Insurance

Major cities in Texas have higher-than-average car insurance rates, study says

Car insurance rates in the state of Texas are rising, bucking the national trend.

Photo by disc/Getty Images

Annual car insurance rates have gone up 24 percent nationwide since 2011, but in 2021 have fallen nationally for the first time since 2013. Texas hasn't been so lucky. It's one of the few states where rates have actually increased year-over-year for 2021, according to a new report by TheZebra.com.

The company's fifth annual national study explored 83 million car insurance premiums across every zip code in the U.S. as impacted by common variables such as driver age, gender, driving record, financial behaviors, and the cars themselves.

Rates in the State of Texas top the national average, far exceeding it in some major cities. In Houston, the average annual cost for car insurance is $1,598. Dallas-Fort Worth is close behind with $1,506. Rates for Austin and San Antonio are below the state average of $1,498 annually, coming in at $1,465 and $1,477 respectively.

Maven Austin Texas Annual car insurance rates in Austin, Texas are below the state average.Photo courtesy of Maven

"Despite a drop in driving with COVID-19 related lockdowns, Houston car insurance rates defied the trend and rose more than five percent," said Nicole Beck, licensed insurance agent and Head of Communications at The Zebra. "Flash flooding and an increase in risky driving behavior could be the culprit. An increase in claims in Houston means an increase in insurance rates for all. Drivers should continue to be safe behind the wheel and protect their vehicles from snow and other hazards to prevent individual rates from rising."

Aldine, Texas, just north of Houston, has the highest car insurance rates in the state, averaging $1,852 per year. Langtry, Texas, which sits near where the Pecos River meets the Rio Grande, has the lowest rate, just $1,281 annually. Other low-cost areas for insurance include Kenney, Edna, Port O'Connor, Alleyton, and Chappell Hill, all cities that are west of Houston but east of Austin.

Texas is near the top when it comes to annual car insurance costs though the state average of $1,498 is not nearly as high as it is in the three most expensive states for car insurance: Louisiana ($2,304), Florida ($2,324), and Michigan ($2,535).

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Electric vehicles

Three new EVs we can't wait to see

The F-150 Lightning is just one of several new EVs we'll see soon.

Ford

With all the crazy news coming out of the auto industry this year, it'd be easy to believe that the rollout of new models is slowing to a snail's pace. The pandemic and ongoing microchip shortage have slowed vehicle production, to be sure, but they haven't put the brakes on automakers' push to roll out exciting new electric vehicles. In the next few months alone, we'll see several new electric trucks, cars, and SUVs hit the market, some of which will break new ground and help define their segments. We're on board with this trend 100 percent, and to help you get excited, we've rounded up a few of our favorites.

Here are the three upcoming electric vehicles we're most excited to see.

Ford F-150 Lightning

One of the world's best-selling and most popular vehicles is going electric. The Ford F-150 Lightning is set to arrive in 2022 with a fully electric powertrain, forward-looking technology, and a familiar style that will make any truck lover feel at home. We don't have full details on the truck, but Ford has shared some awe-inspiring performance numbers. The Lightning will offer around 563 horsepower and 775 pound-feet of torque, which should push the truck to 60 mph from a standstill in just four seconds. Payload capacity comes in at up to 2,000 pounds, and towing will reach 10,000 pounds for specific configurations.


Ford F-150 Lightning The Lightning will offer impressive capability in a familiar package.Ford


The Lightning's starting price will come in under $40,000, but don't get your hopes up about actually buying one for that amount. Ford says the entry-level Lightning is a commercial truck that will be a stripped-down work-ready vehicle, which likely means features like vinyl seats and far fewer of the desirable tech goodies that you'll want. To get the truck you and your family will want to drive, you'll need to spring for the XLT model, which starts just shy of $53,000. That's quite a bit more, but it is still a somewhat reasonable price to pay for what will surely be a capable electric pickup.

Mercedes-Benz EQS

The S-Class is a unique model in Mercedes-Benz's lineup. The car typically showcases the automaker's latest technologies and design techniques and offers a glimpse of the features that eventually trickle down to the rest of Mercedes' vehicles. Soon, we'll see the EQS, a fully electric flagship sedan that paves the way for the brand's other electrified offerings. The car will have a range of well over 400 miles on a charge, up to 516 horsepower, rear-axle steering, and breathtaking technology.


Mercedes-Benz EQS The EQS will usher in a new electric era at Mercedes.Mercedes-Benz


The EQS is expected to land sometime late in 2021 and will carry a price tag that matches its premium brand name and top-notch feature set. Pricing for the "entry-level" EQS 450+ will come in at around $100,000, while the top EQS 580 4MATIC will land well north of that number. Remember, though, that Mercedes offers a long list of ultra-desirable options for its cars, so you'll likely shell out more than the base price to get the features you want.

Hyundai Ioniq 5

The Hyundai Ioniq name is nothing new, but the way it will be seen in the automaker's lineup will change significantly going forward. Rather than being a model name within the Hyundai catalog, Ioniq will split off and become its own sub-brand, covering a line of electric vehicles of all types. The Ioniq 5 is the first such vehicle and will be offered in single- or dual-motor configurations that generate 225 or 320 horsepower. The car's futuristic design is attractive and features a pixelated look for the front-end, lighting features, and rear. Inside, the vehicle is clean but comforting and offers the features buyers expect in a family crossover.


Hyundai Ioniq 5 The Ioniq 5 is the first in what will be an entire line of new EVs from Hyundai.Hyundai


The Ioniq 5 should go on sale in late 2021 and is expected to cost between $40,000 and $50,000.

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The F-Type P450 cars replace the P300 and P380 as part of the Jaguar lineup.

Photo courtesy of Jaguar

Two new versions of the Jaguar F-Type are on the horizon. New versions of the model have been created to further the car's luxury proposition and both are powered by a roaring V8 engine. The new P450 variants replace the P300 and P380 models currently in the lineup. Jaguar is keeping the F-Type R around.

2022 Jaguar F-Type P450

The 2022 Jaguar F-Type P450 will be available as a coupe or convertible in P450 RWD or P450 R-DYNAMIC AWD grades. All varieties come with a 444-horsepower supercharged V8 under the hood that achieves 428 pound-feet of torque. An electronic active differential is standard. In all configurations, the car gets from zero to 60 mph in 4.4 seconds and has a top speed of 177 mph.

2022 Jaguar F-Type P450 The car has received minor exterior updates from the 2021 model.Photo courtesy of Jaguar

In a nod to its suburban buyers, the F-Type has a Quiet Star mode that allows a more subtle roar out the back side of the car upon startup. Drivers who don't care about keeping quiet can switch the car in to Dynamic mode and let the rumble out.

Each F-Type P450 rides on 20-inch wheels, has larger brakes than traditional F-Type models, and has the switchable exhaust. Double J-Blade daytime running lights feature up front while new slender rear lights allow the body of the car to speak for itself.

Buyers who get the F-Type P450 R-Dynamic AWD get bespoke badging; a gloss black front splitter, side sills, valance, and venturi; auto-dimming, power- folding, heated door mirrors with memory; and 20-inch Style 6003, split-spoke, gloss Dark Grey with Contrast Diamond Turned Finish Wheels.

2022 Jaguar F-Type P450 The interior sports a refined appearance.Photo courtesy of Jaguar

Monogram stitch patterns on the car's seats and interior accents in Windsor Leather and satin-finish Noble Chrome enhance the interior. Additionally, there are "Jaguar Est.1935" markings on the center console finisher, glovebox release button surround, and seatbelt guides. Six-way electric power seats are standard on F-Type P450 RWD, while F-Type P450 R-Dynamic AWD adds 12-way electric memory front seats, electrically adjustable steering column with memory, Delta Aluminum Center Console, and R-Dynamic branded metal treadplates as standard equipment.

A 12.3-inch driver information display is standard.

F-Type P450 is available in 11 standard exterior colors, and can be ordered in over a dozen custom SVO paint finishes. It starts at $69,900 for the P450 RWD Coupe and $79,900 for the R450 R-Dynamic AWD Coupe.

2022 Jaguar F-Type R

The F-Type R is the pinnacle of the Jaguar lineup with torque on-demand all-wheel drive, Jaguar Intelligent Driveline Dynamics control technology, a double wishbone front and rear suspension, and electric power-assisted steering.

It can get from zero to 60 mph in 3.5 seconds and has an electronically limited top speed of 186 mph thanks to its 575-horsepower supercharged V8 engine. All-wheel drive is standard.

This model starts at $103,200.

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