Port Arthur, TX Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Port Arthur, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Auto Insurance is as High as $1,477 in Port Arthur, TX
The average cost of auto insurance in Port Arthur, TX, is $1,477. It is lower than the cost of insurance in neighboring places such as Nederland, Central Gardens, LaBelle, Groves, Port Neches. Several factors can affect the cost of auto insurance in Port Arthur. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.
Some of the factors that could increase the cost of auto insurance are as follows:
Age Group:
The cost of auto insurance clearly depends on the age of the driver. Auto insurance is cheapest for drivers who are in their fifties and sixties in Port Arthur. Teenagers are considered to be more risk-prone to accidents and continue to find auto insurance expensive at $4,793.
Driving Violations:
Driving Violations such as driving with an expired license or speeding can also have a severe impact on the cost of auto insurance in Port Arthur, TX, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive. The former leads to an increase of $362 and the latter leads to an increase of $995
DUI:
DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Port Arthur can be as high as $2,299.
Credit Score:
A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be as low as $1,267.
Deductibles:
This is one of the most common factors influencing the cost of auto insurance in Port Arthur, TX. A low deductible ($500), usually increases the cost of auto insurance, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 is $1,211, and it decreases to $1,023 when the deductible is $1,000.
Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.
Factors that can influence the cost of car insurance in Port Arthur, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Port Arthur, TX Auto Insurance Rates
- Port Arthur, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Port Arthur, TX
- Multi Vehicle Insurance Savings in Port Arthur, TX
- How Credit Score Affects Car Insurance Rates in Port Arthur, TX
- How DUI Affects Auto Insurance Premiums in Port Arthur, TX
- Top Auto Insurance Agents Near Port Arthur, TX
- How Driving Violations Affect Auto Insurance Rates in Port Arthur, TX
- Port Arthur, TX Auto Insurance Discounts on Anti Theft Feature
- Port Arthur, TX Auto Insurance Company Reviews
Port Arthur, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Port Arthur, TX with that of other cities in and around Port Arthur.
| Port Arthur | Nederland | Central Gardens | LaBelle | Groves | Port Neches | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,477 | $1,913 | $1,981 | $1,966 | $1,885 | $1,949 |
Port Arthur, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Port Arthur, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Port Arthur | $1,211 | $1,023 |
| Port Neches | $1,470 | $1,241 |
| Groves | $1,427 | $1,205 |
| Nederland | $1,970 | $1,664 |
| Central Gardens | $1,141 | $964 |
| Bridge City-Orangefield | $1,358 | $1,147 |
| Taylor Landing | $1,692 | $1,429 |
| LaBelle | $2,156 | $1,821 |
Port Arthur, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Port Arthur, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,793 |
| 20 Years | $1,898 |
| 30 Years | $1,462 |
| 40 Years | $1,406 |
| 50 Years | $1,302 |
| 60 Years | $1,321 |
| 70 Years | $1,537 |
Port Arthur, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Port Arthur, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,570 | $384 |
| 3 Vehicles | $3,855 | $576 |
| 4 Vehicles | $5,140 | $768 |
Savings on 2 Vehicles bundle:$384
Savings on 3 Vehicles bundle:$576
Savings on 4 Vehicles bundle:$768
Port Arthur, TX Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Port Arthur, TX.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Port Arthur | $1,477 | $2,299 |
| Port Neches | $1,949 | $3,034 |
| Groves | $1,885 | $2,935 |
| Nederland | $1,913 | $2,978 |
| Central Gardens | $1,981 | $3,084 |
| Bridge City-Orangefield | $1,959 | $3,050 |
| Taylor Landing | $2,019 | $3,143 |
| LaBelle | $1,966 | $3,061 |
Port Arthur, TX Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,267 |
| Excellent (740-799) | $1,447 |
| Good (670-739) | $1,539 |
| Average (580-669) | $2,008 |
| Poor (300-579) | $2,409 |
Port Arthur, TX Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Alton Martin | Farmers | 3112 Nall St, Port Neches, 77651 | (409) 727-5032 |
| Brent Walters | Allstate | 395 Texas Ave, Bridge City, 77611 | (409) 738-2100 |
| Russell Tegge | Farmers | 1028 Helena Ave, Nederland, 77627 | (409) 729-0599 |
| Olga Lamance | Farmers | 1323 S 27th St Ste 1100, Nederland, 77627 | (409) 853-1537 |
| Reynolds Insurance Agency Inc | Travelers | 3500 MEMORIAL BLVD, PORT ARTHUR, 77640 | 409-983-2774 |
| Pat Wilson Clu, Cpcu, Chfc | State Farm | 1419 S. Hwy 69, Nederland, 77627 | 409-729-5500 |
| Christopher Pritchard | Allstate | 2825 Nall St Ste 19A, Port Neches, 77651 | (409) 726-8040 |
| The Taggart Agency | Travelers | 3532 Hwy 365 , Nederland, 77627 | None |
| Rob Clapper | State Farm | 1303 Belton Lane, Anahuac, 77514-1742 | 409-389-2495 |
Port Arthur, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$65 | $1,542 |
| Driver's Failure In Showing Documents | +$143 | $1,620 |
| Driving With An Expired Registration | +$152 | $1,629 |
| Driving At A Considerably Slow Pace | +$321 | $1,798 |
| Using A Cellphone While Driving | +$338 | $1,815 |
| Running A Red Light | +$344 | $1,821 |
| Speeding | +$362 | $1,839 |
| Driving A Vehicle Without The Required Permission | +$459 | $1,936 |
| Driving With An Expired/Suspended License | +$995 | $2,472 |
Port Arthur, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,418 |
| Active Disabling Device | $1,418 |
| Tracking Device | $1,388 |
| Passive Disabling Device | $1,374 |
Latest Auto Insurance Reviews in Port Arthur, TX | Back to Top
Geicomy experience with them so far is really amazing, they have got good customer care service relation, they give solution to my complains at real time
State FarmI would recommend Allstate to everyone. They have the best customer service and someone is always there to help when we have an issue. I can't tell you enough great things about this company.
Farmer's InsuranceThis company has always been there anytime you have to make a claim or need to speak with anyone. I have never had to wait to get ahold of them.
GeicoI have a great deductible. The premium of my insurance is much less than I was quoted from other companies, but I still feel it is higher than I would like to pay.
GeicoI have a great deductible. The premium of my insurance is much less than I was quoted from other companies, but I still feel it is higher than I would like to pay.
GeicoI really like how well Geico is assessible to me. I can call and there is usually someone available on the 800 number 24/7. They also have a very easy to use webpage and even the phone app is easy to use.
AllstateI like the option of being able to pay online for my premiums and not worrying about if I have a stamp or holidays when the mail does not run.
MercuryI like that the premiums are low and the customer service is good. It is easy to reach someone and the process of deductibles are easy.
GeicoI like Geico, because they are reliable and trustworthy. In general their quotes are lower than their competitors' either on their own or in a bundle with other insurance packages. On the side note their ads are usually pretty funny.
UsaaCustomer support is phenomenal. From follow ups to making arrangements for tows, windshield replacement, estimators, everything from A to Z they do.
21st Century Auto InsuranceThe customer service is no problem, friendly, helpful and gives satisfactory assistance. No problem at all in this area at all anytime I have called about questions.
State FarmI just dont like the fact that there is so much that I still dont understand and I still do not need what i need to have as coverage and I do not have an overall strategy.
State FarmReliable and affordable service.I like how they offer a huge line of insurance products to fit my family's life.
State FarmI do not have any dislikes at all about the company. They are really great to work with and they do their best to help me.