The big metro and joining counties in TX cost you... other factors include; homeownership, occupation, FICO credit score, and the obvious tickets and claims. Shop around and you may find a cheaper company... make sure you are comparing apples to apples in coverage.
When you shop around and they check your FICO score (they all do anymore), it's a soft hit on your credit record, so they will not count against you, like applying for credit cards. Just a FYI.
Just moving from Katy TX to Brighton CO, my rates dropped from ~$900 a year to $230.