Anna, Texas is home to the oldest surviving railroad depot in the entire state, built in 1885 along the Houston and Texas Central line. Car insurance in Anna, TX now averages an estimated $179 a month for full coverage, about $2,150 a year, in a city that has changed more in the last five years than in the century before it.

That estimate sits a bit under the Texas average of $2,751 a year. What makes Anna worth a closer look isn't just the rate — it's how fast the town around that depot has grown into something the original settlers wouldn't recognize.

What Anna Drivers Actually Pay

Anna Auto Insurance Snapshot

  • Full coverage average: ~$2,150/yr (~$179/mo)
  • Minimum liability average: ~$740/yr (~$62/mo)
  • State minimum required: 30/60/25 liability
  • Fault system: At-fault (tort) — Texas standard
  • Population: ~32,000, up from ~17,600 in 2020
  • Median household income: ~$105,593

Those figures are a starting point, not a promise. Your driving record, credit-based insurance score, and vehicle move the number in either direction, so shopping quotes still matters even in a city trending below the state average.

A 141-Year-Old Depot in a City That Won't Stop Growing

Anna was platted in 1883, incorporated in 1913, and for most of its history stayed a small farming town on the rail line between Dallas and Denison. The Anna Depot, built in 1885, still stands today as the oldest surviving railroad station in Texas and now operates as a free local history museum.

That small-town identity is colliding with rapid suburban growth. Anna went from about 17,600 residents at the 2020 census to roughly 32,000 today, a jump of around 82% in just a few years, driven by new subdivisions spreading out from the historic town center along State Highway 5 and FM 455.

Insurers price off claims history, not population charts, so Anna's below-average rate today reflects a city whose claims data hasn't caught up to its growth yet. That gap tends to close as a boomtown matures — worth remembering at your next renewal.

The US-75 Stretch Insurers Should Watch

Anna sits eleven miles northeast of McKinney where U.S. Highway 75, State Highway 5, and FM 455 all converge, and the US-75 segment through town has become a genuine trouble spot. The stretch between FM 455 and Rosamond Parkway logged 89 accidents in about a year, with 40 of them serious enough to generate a crash report or leave a vehicle disabled.

  • US-75 at FM 455 to Rosamond Parkway: The documented crash cluster, driven by growth-related traffic volume outpacing the existing lane count.
  • Rosamond Parkway connector: A new east-west link between US-75 and SH-5 in northern Anna, built specifically to pull some of that traffic off the highway.
  • FM 455: The main route into older, established Anna and a steady source of local cross-traffic at the US-75 interchange.

That kind of concentrated crash frequency is precisely what insurers weigh when pricing liability and collision coverage for drivers who commute through the corridor daily, and it's worth mentioning to your agent if your regular route runs through it.

Middle-Income Families, Newer Cars

Anna's median household income runs around $105,593, comfortably above both the Texas and national medians, and the median resident is just 32.1 years old. That profile points to young, dual-income families buying into new-construction neighborhoods rather than an aging, established population.

Newer subdivisions tend to come with newer vehicles, and newer vehicles cost more to repair or replace after a claim. That vehicle-value effect offsets part of the discount a young, low-crime population would otherwise earn on comprehensive and collision coverage, which is part of why Anna's estimated rate sits only modestly below the state average instead of well below it.

What Texas Requires — and How to Pay Less

Anna follows the same 30/60/25 liability minimum required across Texas: $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 for property damage. Texas is an at-fault state, so the driver who causes a crash is financially responsible for the other party's damages. Our minimum vs. full coverage guide breaks down when that legal floor leaves a newer vehicle underprotected.

With roughly 14% of Texas drivers carrying no insurance statewide, the uninsured/underinsured motorist coverage insurers must offer — and that you can only decline in writing — is worth keeping, especially if your commute runs through the US-75 corridor. If you just moved to Anna and are insuring more than one vehicle, our premium-cutting guide covers the discounts most new households qualify for without realizing it.