La Porte, TX Car Insurance

On average, La Porte drivers pay a monthly average rate of around $75 for their car insurance. To find out more check out our guide below.
Map of cities where drivers can find cheaper car insurance
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Compared to their surrounding area, how do rates in La Porte stack up? What about against the rest of Texas? What should residents of La Porte expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

How much is car insurance in La Porte?

Area Average Monthly Car Insurance Premium
La Porte$75
TX$65
United States$80

Based on the information in the chart above, you can see that on average, it's about $10 a month more expensive to insure your vehicle in La Porte than it is in the rest of Texas.

However, car insurance rates in La Porte are often favorable when viewed against the rest of the country. The average monthly payment in La Porte is about $5 less than the rate for the rest of the U.S.

Although these are the average rates for auto insurance in La Porte, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down the average rate for La Porte residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!


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La Porte Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$115
25-34$62
35-44$68
45-54$61
55-64$54
65+$57

The more time you have behind the wheel, the more experienced of a driver you should be. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may creep back up a bit in La Porte.

La Porte Car Insurance Rates by Gender

Gender Average
Male$77
Female$72

In general, female drivers pay less for car insurance than their male counterparts. The difference in La Porte is about $5 a month. As you can see in the table above, female drivers in the area typically pay $72 on average, while female drivers typically pay $77 each month.

La Porte Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$106
Multiple Accidents$125
1 Ticket$96
Multiple Tickets$130

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in La Porte with one accident will pay around $106 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $96.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

La Porte Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$61
2-3 Years$66
4-5 Years$69
6-7 Years$69
8-10 Years$81
11-14 Years$84
15 Years or Older$67

As you can see in the first table above, the cheapest vehicles to insure in La Porte are by and large trucks and vans, which run about $69 per month.

Car owners can expect to pay an average of around $76 a month for their policy, while SUVs usually cost around $78 a month to insure.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in La Porte are vehicles eleven-to-fourteen years old.

La Porte Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$81
Married$69
Divorced$55
Widowed$55

Generally speaking, those who are currently married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. La Porte is no exception, with the difference totaling to around $12 a month.

La Porte Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$68
Rent$71
Live with parents$109

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $3 a month more than those who own their own home in La Porte. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in La Porte, TX

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

The cost of car insurance coverage in La Porte declined from 2017-2020, when it reached a low of $60. This trend leveled out in 2021, when it began to increase, and has continued on that path through the present, where rates hit a high of $95 per month.

How does La Porte compare to neighboring areas?

Why are car insurance rates in La Porte different from other areas?

There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

  • Total number of drivers in the region
  • Local laws
  • Road Safety (total number of local car accidents)
  • Off-street parking availability
  • Local crime rates

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in La Porte?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in La Porte in no time.


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La Porte Auto Insurance FAQs

What factors affect car insurance quotes in La Porte?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in La Porte different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in La Porte?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to La Porte?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to La Porte or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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