Texas car insurance by city

Guides for 28 cities covering all 26 metro areas in Texas. Insurance law is the same statewide; registration, emissions testing and local crash risk are not.

Last reviewed October 20, 2026. Metro areas and populations from the U.S. Census Bureau (2025 estimates).

Dallas-Fort Worth-Arlington metro 8,477,157 people

• Car insurance in Dallas Dallas County, 1,329,491 residents, emissions test: required
• Car insurance in Fort Worth Tarrant County, 1,028,117 residents, emissions test: required
• Car insurance in Arlington Tarrant County, 402,134 residents, emissions test: required

Houston-Pasadena-The Woodlands metro 7,904,627 people

• Car insurance in Houston Harris County, 2,397,315 residents, emissions test: required

San Antonio-New Braunfels metro 2,813,140 people

• Car insurance in San Antonio Bexar County, 1,548,422 residents, emissions test: required

Austin-Round Rock-San Marcos metro 2,620,945 people

• Car insurance in Austin Travis County, 1,002,632 residents, emissions test: required

McAllen-Edinburg-Mission metro 921,549 people

• Car insurance in McAllen Hidalgo County, 150,640 residents, emissions test: not required

El Paso metro 881,291 people

• Car insurance in El Paso El Paso County, 683,012 residents, emissions test: required

Killeen-Temple metro 511,497 people

• Car insurance in Killeen Bell County, 161,883 residents, emissions test: not required

Corpus Christi metro 451,191 people

• Car insurance in Corpus Christi Nueces County, 317,247 residents, emissions test: not required

Brownsville-Harlingen metro 433,946 people

• Car insurance in Brownsville Cameron County, 192,957 residents, emissions test: not required

Beaumont-Port Arthur metro 399,310 people

• Car insurance in Beaumont Jefferson County, 112,967 residents, emissions test: not required

Lubbock metro 368,431 people

• Car insurance in Lubbock Lubbock County, 273,071 residents, emissions test: not required

Waco metro 308,807 people

• Car insurance in Waco McLennan County, 147,788 residents, emissions test: not required

Longview metro 297,315 people

• Car insurance in Longview Gregg County, 83,236 residents, emissions test: not required

College Station-Bryan metro 287,476 people

• Car insurance in College Station Brazos County, 127,472 residents, emissions test: not required

Laredo metro 281,224 people

• Car insurance in Laredo Webb County, 269,515 residents, emissions test: not required

Amarillo metro 276,235 people

• Car insurance in Amarillo Potter County, 205,130 residents, emissions test: not required

Tyler metro 252,549 people

• Car insurance in Tyler Smith County, 113,723 residents, emissions test: not required

Midland metro 193,139 people

• Car insurance in Midland Midland County, 147,615 residents, emissions test: not required

Abilene metro 185,429 people

• Car insurance in Abilene Taylor County, 131,588 residents, emissions test: not required

Odessa metro 173,801 people

• Car insurance in Odessa Ector County, 122,707 residents, emissions test: not required

Sherman-Denison metro 153,613 people

• Car insurance in Sherman Grayson County, 52,417 residents, emissions test: not required

Wichita Falls metro 149,448 people

• Car insurance in Wichita Falls Wichita County, 101,951 residents, emissions test: not required

Texarkana (Texas and Arkansas) metro 146,816 people

• Car insurance in Texarkana Bowie County, 36,195 residents, emissions test: not required

San Angelo metro 122,065 people

• Car insurance in San Angelo Tom Green County, 100,640 residents, emissions test: not required

Victoria metro 99,864 people

• Car insurance in Victoria Victoria County, 66,500 residents, emissions test: not required

Eagle Pass metro 58,823 people

• Car insurance in Eagle Pass Maverick County, 28,926 residents, emissions test: not required