Texas residents love to debate which cities have the best — and worst — drivers in our own state, but which states boast the best conditions for drivers overall? As it turns out, Texas is only average.

SmartAsset's new study "Best and Worst States for Drivers" ranked states based on auto insurance premiums as a share of annual household income, the price of a 15-gallon tank of gas as a share of weekly household income, traffic fatalities per 100 million vehicle miles traveled, and the share of interstate highway pavement rated "good."

Texas ties with Colorado as the 26th best state for drivers. Massachusetts tops the list.

According to the report's findings, 65 percent of Texas' interstate highways are in "good condition," and there are about 1.2 auto fatalities per 100 million miles traveled in the state.

Additionally, the cost of a 15-gallon tank of gas in Texas represents 3.47 percent of a resident's median weekly income, and insurance premiums eat up 2.05 percent of earnings, the study calculated.

Considering how much gas prices have soared over the last several months, commuting to work or driving around town is taking a bigger chunk out of Texas residents' wallets than it was before. At least Houstonians have the metro rail to get around downtown, and shuttle services like Shutto or Vonlane for easy traveling to other Texas cities.

"Between loan payments, maintenance, fuel and auto insurance, the cost of owning and operating a vehicle now averages more than $11,000 per year," the report said. "Even as U.S. cities and counties increase investment in public transportation, more than 90% of American households own or lease at least one vehicle."

For comparison, South Dakota has better quality interstate highways than the rest of the nation – at 84 percent – while only 15 percent of Hawaii's highways are in good condition. Rhode Island has the lowest auto fatality rate in the U.S. at 0.5 deaths per 100 million vehicle miles traveled, and West Virginia has the highest auto fatality rate at 1.6 deaths.

After Massachusetts, the remaining top 10 best states for drivers are Minnesota (No. 2); New Jersey and North Dakota (tied for No. 3); Utah (No. 5); Connecticut (No. 6); New Hampshire (No. 7); Wisconsin (No. 8); and Indiana and South Dakota (tied for No. 9).

You might want to pump the brakes in the 10 worst states for drivers: Louisiana (No. 50); Mississippi (No. 49); Hawaii and West Virginia (tied for No. 47); Montana (No. 46); Arizona and Oregon (tied for No. 44); Maine (No. 43); New Mexico (No. 42); and Arkansas (No. 41).