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.

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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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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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The 2022 Toyota Prius Nightshade is a fresh edition for the company's lineup.

Photo courtesy of Toyota Motor Sales U.S.A. Inc.

One of Toyota's most efficient cars is getting the blackout treatment. Like other Nightshade editions Toyota puts out, the 2022 Prius Nightshade has all the requisite black accents while maintaining its heralded powertrain.

The 2022 Toyota Prius Nightshade is available in front- and all-wheel drive. Buyers can add the treatment to Prius L Eco, LE, LE AWD-e, XLE, XLE AWD-e and Limited grades. It comes in the buyer's choice of Midnight Black Metallic, Super White, or Silver Metallic paint job. Front-wheel drive models ride on standard 17-inch five-spoke alloy wheels while AWD-e cars get 15-inchers with black insert and lug nuts.

The exterior of the car also gets black headlight accents, mirror caps, door handles, color keyed rear deck spoiler and shark fin antenna.

2022 Toyota Prius Nightshade

Photo courtesy of Toyota Motor Sales U.S.A. Inc.

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Each of the models is powered by the Prius's 1.8-liter four-cylinder gasoline engine, which is paired with two electric motors. A continuously variable transmission is standard. All-wheel drive models get an EPA-estimated 51 mpg in the city, 47 mpg on the highway, and 49 mpg combined. Front-wheel drive versions do a slightly better 54 mpg in the city, 50 mpg on the highway, and 52 mpg combined.

Inside there are standard SofTex-trimmed trimmed, heated, power adjustable front seats and a SofTex-trimmed heated steering wheel and semi-gloss black center console. A 7-inch infotainment touch screen is standard, as is a six-speaker JBL sound system. Apple CarPlay, Android Auto, and Amazon Alexa come on every model, as are an auxiliary jack, three USB ports, a wireless phone charger, and one 12-volt outlet.

Toyota Safety Sense 2.0 is standard and includes a pre-collision system with low-light pedestrian detection, adaptive cruise control, bicyclist detection, lane departure alert, automatic high beams, and road sign assist.

All Prius models come with a three-year/36,000-mile basic warranty and 60-month/60,000-mile powertrain warranty. Toyota's hybrid battery warranty is for 10 years or 150,000 miles from the vehicle's in-service date, whichever occurs first. The hybrid system warranty is for eight years or 100,000 miles from the vehicle's in-service date.

This latest member of the Nightshade family means that there are 11 Nightshade editions in Toyota's stable. The Prius is the first hybrid to get the treatment.

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