Living in Texas isn't always cheap.  Insurance is one of those necessary evils you have to pay for and it seems that insurance rates in Texas keep rising.

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How many times have you heard someone tell you my insurance just went up $200, $400, etc.  That is what is happening these days and most people don't have an extra $200 or $400 in their budget and something else gets sacrificed.  The worst thing about paying higher insurance rates is that most of us haven't had a recent claim, so we're paying for someone else's oopsies or natural disasters.

You have to have insurance on your home and your vehicle.  There isn't getting around that expense.

Why do rates keep skyrocketing?

Between 1980 and 2022, Texas experienced 44% of all weather-related disasters in the US. With climate change, the frequency of such disasters is likely to increase, leading to higher insurance rates.

The average yearly premium for car insurance is over $1800.  That is 4% more expensive than the national average.  The cheapest area in Texas for car insurance is Kileen.  The premium for car insurance in that city is about $1500.   If you live in Dallas you'll be paying at least $2400.

Different factors play into determining what your car insurance rates will be, the type of car you drive, how old you are, your driving record, and where you live.  It's all based on how likely it will be that you will file a claim.

Until something changes, get ready to pay higher insurance prices, and be prepared for those costs to keep rising, no matter if you have filed a claim in the past.


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