If you plan to live in Texas then you must know that you need to get car insurance before you set yourself behind the car steering. In Texas, state police checks for proof of car insurance all the time just to ensure that you are right within the bounds of law. This is because the aim of the state department is to ensure safety of all the residents and reduce any unforeseen costs and expenses accompanied by accidents. Following are some of the most affordable cities in Texas for car insurance.
Firstly the cheapest city in Texas is the city of Memphis when it comes to car insurance. The city has lowest total population among all the cities in the state. It has the second lowest population density in the state. Memphis is the county seat of Hall County. It is situated at the intersection of US highway 287 and State highway 256. Being a smaller and less crowded town, people take, on average, 16 minutes to get to their workplace. The rate here is 18% lesser than the average premium rate for the state of Texas. The city has rich culture, heritage and history. It has plenty of museums where you can get a taste of the rich culture of the city. It features a subtropical humid weather and gives an opportunity for its residents to enjoy all four seasons of the year. The Memphis riverfront adds to the serenity and peace of the city. It has some of the largest parks in the US.
Next most affordable city in terms of car insurance is Ballinger. It is the county seat of Runnels County. The premium rate charged here is 17% lower than the average rate of Texas. Just like Memphis, time taken to drive to workplace is very less, merely 18 minutes on average. The city has plentiful hours of sunshine and barely faces winters. The most loved sport of the city is baseball.
After Ballinger, two cities are ranked as equally less affordable in Texas. Childress and Denver city are affordable when it comes to comprehensive car insurance. The city of Childress is the county seat of Childress County. The name of the city was coined after the chief author of the Texas Declaration of Independence, Mr. George Campbell Childress. A small quiet town entertains its locals and visitors by hunting in the nearby areas, picnic by the Fair Park, which has lake, fountain, swimming pool and walking trails and historic places such as the Childress County Heritage Museum.
The city of Denver has many attractions for its residents and tourists. It is abundant in small parks and has the magnificent City Park which is spread over 314 acres. There are also many mountain parks for hiking. Community gardens and nature center further add to the attractiveness of the city.
The Texan city of Spearman is the next most affordable city with respect to car insurance. Spearman is the county seat of Hansford County. It is located at 27 miles south of the state border between Texas and Oklahoma.