Porter, TX Car Insurance

On average, Porter drivers pay around $72 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
How does Porter compare to the surrounding area and the rest of Texas? What rates can residents of Porter expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Porter?

Area Average Monthly Car Insurance Premium
Porter$72
TX$65
United States$81

As you can tell from the chart above, the cost of coverage in Porter is about $7 a month more expensive than the rest of Texas.

When stacked up against the national average, the average monthly policy payment for Porter is more affordable. The average monthly payment in Porter is about $9 cheaper than the rate for the rest of the United States.

While these are the average car insurance rates for Porter, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Porter residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$121
25-34$61
35-44$59
45-54Not Enough Data
55-64$58
65+$57

The older you are, the more experience you're likely to have behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Porter drivers may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$74
Female$71

Car insurance rates for men are usually slightly more expensive than they are for women. In Porter, although women do pay slightly less on their monthly auto insurance coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$104
Multiple Accidents$126
1 Ticket$98
Multiple Tickets$128

Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Porter, having a single accident on your record will usually get you rates around $104 a month. In addition, drivers with one ticket can expect to pay around $98 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$64
2-3 Years$63
4-5 Years$89
6-7 Years$68
8-10 Years$83
11-14 Years$67
15 Years or Older$72

The most affordable vehicles to insure in Porter are typically trucks and vans, which run about $70 per month.

Car owners will see a monthly premium of about $72, while SUV owners by and large pay around $75 per month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Porter, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$80
Married$61
Divorced$54
Widowed$55

More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Porter is no exception, with the difference totaling to around $19 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$58
Rent$80
Live with parents$90

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $22 a month more than homeowners in Porter. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Porter, TX

Recent trends in car insurance for Porter drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

In Porter, the rates for car insurance declined from 2017-2019, but began to rise in 2020. This pattern has continued through 2022 when rates have most recently hit $111.

How does Porter compare to neighboring areas?

Why are car insurance rates in Porter different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider several factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

  • Amount of drivers in the area
  • Off-street parking access
  • Area regulations
  • Area crime rates
  • Road Safety (how many accidents each locality has)

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Porter?

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.

Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Porter.

Compare the cheapest quotes from dozens of insurance companies

Porter Insurance FAQs

What factors affect car insurance quotes in Porter?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.

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

Things like parking situations, crime rates, and local laws, 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 Porter?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Porter?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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 Porter 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.

Find your best rate in just a few minutes