Port Arthur, TX Car Insurance

How does Port Arthur compare to the surrounding area and the rest of Texas? What rates should residents of Port Arthur expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Port Arthur?

Based on the chart above, you can see that auto insurance rates in Port Arthur are in line with rates across the rest of Texas.

Drivers relocating from out of state may enjoy some cost savings in Port Arthur. It's about $12 cheaper to insure your vehicle in Port Arthur compared to the average rate for the United States as a whole.

These may be the average auto insurance rates for Port Arthur, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've broken down the average rates for Port Arthur to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Port Arthur Car Insurance Rates by Age

The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates start to rise again once you hit retirement age in Port Arthur.

Port Arthur Car Insurance Rates by Gender

Although women typically pay less than men do for auto insurance, this is not the case in Port Arthur, where female drivers pay around $5 more per month.

Port Arthur Auto Insurance Rates by Driving Record

Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Port Arthur with a single accident will pay around $84 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $72.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Port Arthur Insurance Rates by Vehicle

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Port Arthur, with drivers paying around $61 per month for insurance.

Car owners will see a monthly bill of about $72, while SUV owners typically pay around $62 a month.

Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is close to 5 years old. The most expensive vehicles to insure in Port Arthur are vehicles less than one year old.

Port Arthur Car Insurance Rates by Relationship Status

Overall, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Port Arthur, with married couples paying about $14 less per month.

Port Arthur Car Insurance Rates by Housing Situation

Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $10 a month more than homeowners in Port Arthur. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Port Arthur, TX

Recent trends in car insurance for Port Arthur drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

The rates for auto insurance in Port Arthur had been increasing from 2017-2018, before steadying out in 2019. Insurance rates increased again, hitting a high of $83 in 2021, and finished down at $62 in 2022.

How does Port Arthur compare to neighboring areas?

Why are car insurance rates in Port Arthur different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider several factors. Many factors affecting your policy are based around where you live. These factors include things like:

• Regional crime rates
• Access to off-street parking
• Road Safety (frequency of car accidents)
• Regional regulations
• Number of drivers

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Port Arthur?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies that offer plans in Port Arthur.

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Port Arthur Auto Insurance FAQs

What factors affect car insurance quotes in Port Arthur?

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

Why is the cost of car insurance in Port Arthur different from other neighboring cities?

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Port Arthur?

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 by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Port Arthur?

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 Port Arthur 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.