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Why does insurance cost more in Houston than Austin or Dallas?

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nickmechanic
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(@nickmechanic)
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I totally get what you’re saying about the weather—Houston’s storms are on another level. But I wonder if it’s also the sheer unpredictability that makes insurance spike. Like, even if you’re super careful, there’s always that one random pothole or someone texting behind the wheel. I’ve started double-checking my route just to avoid certain intersections after a couple close calls with my kids in the car. Does anyone else feel like Houston drivers are just more aggressive, or is it just me?


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