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How much is car insurance in Port Arthur?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Port Arthur are about the same as the rest of Texas.
On the flip side, car insurance rates in Port Arthur are more affordable than the national average. It's about $15 cheaper than the national average to insure your vehicle in Port Arthur.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've broken down average rates for Port Arthur to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates rise again in Port Arthur.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Port Arthur, although men do pay slightly less on their monthly premiums, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Port Arthur with a single accident on their record will usually see rates around $85 a month. Likewise, drivers with one ticket will be looking at a rate of around $110 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$59|
If you look at the first table above, the cheapest vehicles to insure in Port Arthur are usually SUVs, at $60 per month.
Car owners, on the other hand, by and large pay around $68 a month, while truck and van drivers can expect to pay about $61 per month for car insurance.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Port Arthur, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Port Arthur is no exception, with the difference totaling to around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $6 a month more than homeowners in Port Arthur. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Port Arthur, TX
Recent trends in car insurance for Port Arthur drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Port Arthur, the rates for auto insurance went up from 2016-2018, where they reached a high of $75, before leveling out in 2019. Insurance rates rose once again in 2020, and have continued rising through 2021, where they finished at $74 a month.
How does Port Arthur compare to neighboring areas?
Why are car insurance rates in Port Arthur different from other areas?
Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Off-street parking availability
- Regional crime rates
- Road safety
- Area regulations
- Total amount of drivers in the community
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Port Arthur?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Port Arthur.
Port Arthur 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 age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Port Arthur different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Port Arthur?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Port Arthur?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Port Arthur or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?