Auto Insurance by City in Texas

What is being compared on the Texas city pages

Every Texas city with its own page on this site sets local risk against local risk, never one insurer against another.

Aulona Insurance Group publishes no premium and ranks no insurer on any page here. Each city page carries three things instead:

• The county or counties the city sits in, and what that does to rating territory
• The claim type that shows up in public weather, theft and crash reporting for that city
• What a driver in that city has to do to get coverage placed

A reader who opens the Amarillo page and the Brownsville page should finish both knowing why the same driver in the same car is underwritten differently in each.

Why the county under the address changes Texas auto rating

County is the unit Texas auto rating is built on. Texas Insurance Code §2253.001 stops an insurer that subdivides a county into rating territories from charging any subdivision more than 15 percent above another for identical coverage, and 28 TAC §5.9960 lets it exceed that only on a rate that is actuarially sound and supported by data filed with the Texas Department of Insurance.

The address where the vehicle sits overnight decides which territory applies.

Seven cities on these pages cross a county line inside their own limits:

• Dallas and Fort Worth, each running through five counties (City of Dallas; City of Fort Worth)
• Houston, with parts in Fort Bend and Montgomery, and Austin, with parts in Williamson and Hays (FEMA community records)
• Plano, Frisco and Amarillo, each split between two counties (U.S. Census Bureau; FEMA community records)

Side by side: what changes from city to city

Each row below is a coverage question before it is a rating question.

What changes by city	The public document that records it	Coverage that answers it
County and rating territory	Territory filings under 28 TAC §5.9960, Texas Department of Insurance	The whole policy
Hail frequency	NOAA Storm Events Database, by county	Comprehensive
Vehicle theft	Texas DPS monthly auto theft report	Comprehensive
Crash volume	TxDOT, Crashes and Injuries by Cities and Towns	Collision, liability
Drivers carrying nothing	Texas Department of Insurance auto guidance	Uninsured and underinsured motorist
Repair and towing cost	Insurer filings, not published by city	The deductible

What does not change from one Texas city to the next

Texas sets one liability floor for the whole state, and no city changes it. Texas Transportation Code §601.072 requires 30/60/25 in Amarillo and in Brownsville alike:

• $30,000 for injury to one person
• $60,000 for injuries in one accident
• $25,000 for damage to another person’s property

Two optional coverages travel with the driver as well. Personal injury protection (PIP) pays medical bills and lost wages regardless of fault (Texas Insurance Code §1952.152), and uninsured and underinsured motorist coverage steps in when the other driver carries too little (Texas Insurance Code §1952.101).

A driver may reject either one, in writing, in any Texas city.

Which city detail matters for which driver

City detail matters differently depending on what a driver is solving.

• A driver moving inside Texas should read the destination city page before the move, because the garaging county changes on the day the car arrives, not on the day the lease is signed.
• A driver who parks outside should read the hail sections on the North Texas and Panhandle pages, because hail is a comprehensive claim and the deductible on that coverage is a separate choice.
• A driver whose mailing address and garage sit in different counties should read both pages, then give the garaging address on the form.
• A driver with a ticket, an at-fault accident or a lapse should start with the situation pages rather than the city pages, because the record travels with the driver.

What Aulona Insurance Group places in every city on these pages

Aulona Insurance Group holds a Texas agency license (#3481412) and places personal auto coverage statewide, so the capability is identical wherever the address sits.

Aulona Insurance Group places auto coverage for:

• Vehicles owned outright, financed, or leased
• Commute, personal, and recreational use
• Drivers who need an SR-22 after a DWI, a license suspension, or an accident without coverage
• Drivers carrying tickets, at-fault accidents, or a gap in coverage, on a non-standard policy

Every policy goes to an insurer Aulona Insurance Group holds an appointment with. Luka Cenaj, the agency’s licensed principal, goes through the coverage on a recorded call before anything is bound, and that call happens the same way whether the driver is in El Paso or in Allen.

Where Aulona Insurance Group is not the right fit

Aulona Insurance Group cannot place every vehicle, and the limits do not change from one city page to the next.

Outside the markets Aulona Insurance Group holds:

• Vehicles with a manufacturer’s suggested retail price of $150,000 or more
• Vehicles built before 1981
• Vehicles without a seventeen-digit VIN
• Recreational vehicles, all-terrain vehicles, trailers, golf carts, buses, hearses, and heavy or semi trucks
• Non-owner policies, except a non-owner SR-22 for a listed driver
• Storage-only and gap-only policies
• Any vehicle garaged at a post office box address

A vehicle used for business, or titled to an LLC, corporation, partnership or trust, is not written on a personal auto policy. Aulona Insurance Group places it as commercial auto instead. See Commercial Auto Insurance in Texas.

How to use these city pages

Each city page answers the same four questions in the same order.

Read the city page for the address where the vehicle is garaged overnight, and read a second one only when the household parks in two places.

Have three things to hand before the call:

1. The garaging address, which places the vehicle in a county and a rating territory
2. The seventeen-digit VIN for every vehicle in the household
3. Every driver in the household, including the ones who drive rarely

No city page carries a premium, and no city page ranks insurers. No city page carries a hail count, a theft rate or a crash total either, because Aulona Insurance Group publishes no figure it has not taken from a named source. The number comes from the insurer, on the call with a licensed Texas agent.