Cheap Car Insurance in Port Arthur, Texas (With 2024 Rates)

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Home » Car insurance » Texas » Cheap Car Insurance Port Arthur

Lowest Premium

$394 / YEAR

Average Premium

$647 / YEAR

Highest Premium

$925 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Port Arthur is around $647 and can go upto $925. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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Car Insurance Rates in Port Arthur by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Port Arthur. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
77640$655
77642$624

Insurance Agents in Port Arthur, TX and Near by

  • 0 mi
    Bobby Holmes
    1120 Woodworth Blvd, Port Arthur, TX 77640
    (409) 982-1200
    View |
  • 0 mi
    Texas Farm Bureau Insurance
    9509 Highway 69, Port Arthur, TX 77640
    (409) 729-9400
    View |
  • 0 mi
    J B Henry
    2340 Memorial Blvd, Port Arthur, TX 77640
    (409) 985-9382
    View |
  • 0 mi
    Reynolds Insurance Agency
    3500 Memorial Blvd, Port Arthur, TX 77640
    (409) 983-2774
    View |
  • 4.29 mi
    Maria Flores
    5244 Gulfway Dr, Port Arthur, TX 77642
    (409) 984-5819
    View |
  • 4.29 mi
    Xpress Insurance
    4905 Gulfway Dr, Port Arthur, TX 77642
    (409) 332-2204
    View |
  • 4.29 mi
    Amtex Insurance
    4210 Gulfway Dr, Port Arthur, TX 77642
    (409) 985-2727
    View |
  • 4.29 mi
    Apex Insurance & Professional Services
    3999 Gulfway Dr, Port Arthur, TX 77642
    (409) 984-9912
    View |
  • 4.29 mi
    Better Way Insurance Agency
    3880 Gulfway Dr, Port Arthur, TX 77642
    (409) 982-0614
    View |
  • 4.29 mi
    Johnathan Tat
    3708 Gulfway Dr, Port Arthur, TX 77642
    (409) 985-8828
    View |
  • 4.29 mi
    Vui Pham
    2900 Gulfway Dr Ste 300, Port Arthur, TX 77642
    (409) 984-5020
    View |
  • 4.29 mi
    Julian Salter Company
    3230 Central Mall Dr, Port Arthur, TX 77642
    (409) 729-3298
    View |
  • 4.29 mi
    Kirk E Smith Insurance Agency
    8103 N Twin City Hwy, Port Arthur, TX 77642
    (409) 721-6646
    View |
  • 4.29 mi
    Herford Insurance
    8101 N Twin City Hwy, Port Arthur, TX 77642
    (409) 727-8876
    View |
  • 4.29 mi
    Craig Rankin
    4700 Highway 365 Ste T, Port Arthur, TX 77642
    (409) 727-4020
    View |
  • 4.29 mi
    TWFG Insurance Services - Buffy Hooper
    7735 N Twin City Hwy, Port Arthur, TX 77642
    (409) 722-6000
    View |
  • 4.29 mi
    Teneal R Callarman Insurance
    3204 39th St, Port Arthur, TX 77642
    (409) 985-8916
    View |
  • 4.29 mi
    Rachel Reyes Ins & Financial Services
    3608 40th St, Port Arthur, TX 77642
    (409) 722-9203
    View |
  • 4.29 mi
    Zulema Escobedo
    3308 Medical Triangle St, Port Arthur, TX 77642
    (409) 962-0088
    View |
  • 4.29 mi
    Direct General Auto Insurance
    3811 N Twin City Hwy, Port Arthur, TX 77642
    (409) 962-0777
    View |
  • 4.29 mi
    Joe Bolton
    5215 N Twin City Hwy Ste B, Port Arthur, TX 77642
    (409) 489-4990
    View |
  • 4.29 mi
    Christopher (paul) Pritchard
    6640 9th Ave, Port Arthur, TX 77642
    (409) 963-0155
    View |
  • 4.29 mi
    Constance Obrien-Little
    6640 9th Ave, Port Arthur, TX 77642
    (409) 853-1414
    View |
  • 4.29 mi
    Higginbotham Insurance
    3500 Highway 365, Port Arthur, TX 77642
    (409) 721-6400
    View |
  • 4.29 mi
    Robert Hamm
    8747 9th Ave, Port Arthur, TX 77642
    (409) 727-8869
    View |
  • 4.29 mi
    TWFG Insurance Services - Terry Cauthen
    8700 9th Ave Ste 102, Port Arthur, TX 77642
    (409) 729-2000
    View |
  • 4.29 mi
    TWFG Insurance Services - Kenneth McAfee
    3800 Highway 365 Ste 113, Port Arthur, TX 77642
    (409) 729-1223
    View |
View all agents ↓

Learn More About Car Insurance in Port Arthur, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered24,527,939
Total uninsured motorists14.1%
Estimated economic loss of all vehicle crashes$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

  • Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
  • Collision covers for the expenses on your car caused by accident.
  • Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
  • Medical payments cover your's and your passenger's medical bills
  • Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
  • Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
  • Towing and labor covers for the pay for towing your car and labor cost.
  • Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.