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How much is car insurance in Port Arthur?
|Area||Average Monthly Car Insurance Premium|
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.
When stacked up against the national average, the average monthly policy payment for Port Arthur is more affordable. You can expect to pay about $13 below the national average for auto insurance in Port Arthur.
Keep in mind that these are the average auto insurance rates for Port Arthur, and that the rate you get could end up being something different. 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 in some cases, your credit score.
Don't worry, we've done the work for you and broken down the average rates for Port Arthur to help you understand what your monthly premium might be. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. Port Arthur drivers may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for car insurance, Port Arthur actually goes against the grain. While female drivers pay $70 per month for auto insurance coverage, males only pay about $66.
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. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Port Arthur, drivers with one accident on their record will experience rates around $85 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $74.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$87|
|15 Years or Older||$61|
In Port Arthur, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $62 per month for insurance coverage.
Car owners will see a monthly bill of about $72, while SUV owners by and large pay around $63 a month.
You may also see different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Port Arthur are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The cost of auto insurance in Port Arthur reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Port Arthur, homeowners can expect to pay around $11 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
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 before picking an insurance policy.
The cost of car insurance in Port Arthur rose from 2017-2018, before steadying out in 2019. They went up again, hitting a high of $83 in 2021, and finished down at $64 in 2022.
How does Port Arthur compare to neighboring areas?
Why are car insurance rates in Port Arthur different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Total number of drivers
- Number of car accidents
- Availability of off-street parking
- Local regulations
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
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.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies that offer coverage in Port Arthur.
Port Arthur Insurance FAQs
What factors affect car insurance quotes in Port Arthur?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, driving record, credit score, and marital status.
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?
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 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.