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

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.

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.

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Insurance Agents in Port Neches, TX and Near by

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  McFerrin Insurance
  1425 Nall St, Port Neches, TX 77651
  (409) 722-8317
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  Bette Davidson
  1104 Magnolia Ave, Port Neches, TX 77651
  (409) 722-5102
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  Landry Insurance Agency
  1717 Magnolia Ave, Port Neches, TX 77651
  (409) 724-2454
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  Charles Mallett
  1107b Magnolia Ave, Port Neches, TX 77651
  (409) 727-1692
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  Burt & Associates
  2117 Magnolia Ave, Port Neches, TX 77651
  (409) 727-8807
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  Christopher Abrego
  2420 Port Neches Ave Ofc A, Port Neches, TX 77651
  (409) 722-9111
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  C & C Insurance Agency
  2402 Nall St, Port Neches, TX 77651
  (409) 722-8189
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  Christopher Pritchard
  2825 Nall St Ste 19a, Port Neches, TX 77651
  (409) 726-8040
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  Alton Martin
  3112 Nall St, Port Neches, TX 77651
  (409) 727-5032
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  James Carpenter
  3154 Saba Ln Ste B, Port Neches, TX 77651
  (409) 724-2422
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  Walker Insurance Agency
  3141 Saba Ln, Port Neches, TX 77651
  (409) 729-7600
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Learn More About Car Insurance in Port Neches, TX

Helpful Info on Texas Car Insurance

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

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.