AUTO – TEXAS
La Porte Insurance
La Porte is known as a city built by farm machinery churned out for more than a century. We can churn out a great rate for your auto insurance.
Liability Insurance requirements in La Porte
| State | Minimum Coverage Requirements | Average Cost for Minimum Liability Coverage |
| Texas | 30/60/25 | $578 |
La Porte, Texas Liability and full coverage insurance rates
Liability rates vary by city and also vary depending on whether you’re adding on option state coverages, such as uninsured motorist and medical payments. You’re also able to add on extras to full coverage insurance such as roadside, rental reimbursement and gap insurance.
| Liability Insurance rates in La Porte | Liability State Average |
| $684.64 | $510.15 |
| Full Coverage Insurance in La Porte | Full Coverage TX average |
| $1,254.25 | $934.59 |
Sample Insurance rates in La Porte, Texas
Our agents specialize in tailoring your liability insurance in La Porte to meet your specific needs. Whether you’re needing state minimum liability, SR-22 insurance, or full coverage, we have a policy for you
| Sample Rates in La Porte, Texas |
| Sample Quote/ policy location: Cleburne Agent :Crystal Current Company: Suncoast Previous Company: none Who: Age: 47 Vehicle: GMC Sierra (Classic) 1500 HD Crew Cab Type of coverage: liability , sr22 Notes: high risk, coverage Rate: $305 |
| Sample Quote/ policy location: Cleburne Agent :Amy Current Company: Liberty Mutual Previous Company: Foremost Who: Age: 57 Vehicle: Chevrolet S10 Regular Cab Type of coverage: liability only , med pay Notes: id cards, snapshot Rate: $137 |
| Sample Quote/ policy location: Cleburne Agent :Sy Current Company: Mendota Previous Company: Mendota Who: Age: 51 Vehicle: Chevrolet S10 Extended Cab Type of coverage: liability only , state min Notes: uninsured, estimate Rate: $171 |
| Sample Quote/ policy location: Cleburne Agent :Lauren Current Company: Suncoast Previous Company: Allstate Who: resident Age: 50 Vehicle: Chevrolet Silverado 3500 Extended Cab Type of coverage: car insurance , sr22 Notes: estimate, violations Rate: $150 |
| Sample Quote/ policy location: Cleburne Agent :Shawn Current Company: Suncoast Previous Company: Diaryland Who: motorist Age: 29 Vehicle: Cadillac DeVille Type of coverage: liability insurance , uninsured motorist Notes: Ticket, Price Rate: $315 |
| Sample Quote/ policy location: Cleburne Agent :Katie Current Company: The General Previous Company: American Family Who: resident Age: 55 Vehicle: Nissan Frontier King Cab Type of coverage: non owners , med pay Notes: Driver, DUI Rate: $191 |
Violations and the impact they have on insurance rates in La Porte, Texas
| Crossing over a Center Divider | Minor | 3 Years |
| At Fault Accident | Major | 5 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Non-At-Fault Acccident | Minor | NA* |
| Speeding | Minor | 3 Years |
| Improper Lane use | Minor | 3 Years |
| DUI | Major | 10 Years |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| Driving without a License | Major | 3 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Failure to Yeld | Minor | 3 Years |
Insurance companies determine a potential customers premium using their driving history to determine how safe of a driver they are. Drivers with no accidents or tickets will receive cheaper insurance rates. Look above to see how long common violations may stay on your driving record
How age and gender affect insurance premiums in La Porte, Texas
| Age | Male | Female |
| 16-18 | $ 231.84 | $ 184.09 |
| 19-24 | $ 193.20 | $ 161.00 |
| 25-30 | $ 139.84 | $ 124.84 |
| 31-40 | $ 110.40 | $ 106.08 |
| 41-50 | $ 109.48 | $ 98.44 |
| 50-65 | $ 99.36 | $ 101.48 |
| 65+ | $ 106.08 | $ 114.08 |
Generally, younger drivers experience a greater amount of accidents and insurance claims, resulting in higher insurance premiums. Drivers in their 50s will start to see the greatest savings in insurance prices once they are experienced drivers
Insurance discounts available in La Porte, Texas
Car Insurance discounts are often offered by every insurance company. The type of discount does vary upon the company. Check with your insurance provider to see if you can save with these discounts
| Impact on rates | Discounts Available |
| Very High | Continuous Insurance |
| Mild | Homeowners |
| High | Advanced Quote |
| Mild | Married |
| Mild | Military |
| High | Auto Pay |
| Mild | Education Discount |
| High | No Accidents or Violations |
| High | Paid in Full |
Nearby cities and neighborhoods in La Porte, Texas
| Neighborhoods in La Porte, Texas | Cities Near La Porte | Zip Codes in La Porte |
| Alazan | Lufklin, Texas | 75961 |
| Fredonia Hill | Henderson, Texas | 75962 |
| Bonita Junction | Jacksonville, Texas | 75963 |
| Orton Hill | Kilgore, Texas |
Insurance premiums are determined based on ratings factors, one being location or zip code and surrounding areas. If the amount of accidents/claims are higher in a zip code the rates will increase for everyone during the rate revision
What are rating factors and how do they determine my premium?
The less risky your rating factors are, the lower your premium will be. Rating factors give insurance companies a way to calculate the risk (you) and determine if they will be a good fit. If they are low risk, they will receive a cheaper insurance premium
| Factor | Rate Impact |
| How long have you owned the vehicle | Low |
| anti theft device | Low |
| Major Violations (DUI,DWI,etc) | High |
| Marital Status | Medium |
| Vehicle Make and Model | Medium |
| Color of car | none |
| Education | Low |
| Gender | Medium |
| Type of Vehicle Coverage | Medium |
| vehicle performance (symbol) | Medium |
Insurance companies we represent in La Porte, Texas
We are licensed to work with multiple insurance companies to provide our customers with a variety of quotes to compare. Whether you need auto insurance, or home, we have a company suited for you
| Insurance Companies in La Porte, Texas that we represent |
| Gainsco |
| Foremost Star |
| Victory |
| Travelers |
| Progressive |
| Bristol West |
| The General |
| Best Choice |
| Suncoast |
| Dairyland |
| Mendota |
| Assurance America |
| ASI |
| USLI |
| Safeway |
| Orion 181 |
Last Updated on by Treasure Coleman