La Porte Insurance

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How to save money on your car insurance policy in La Porte, Texas

Sample Insurance rates in La Porte, Texas

Our agents specialize in tailoring your insurance policy 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 DividerMinor3 Years
At Fault AccidentMajor5 Years
Failure to Use a Seat BeltNon MovingNA*
Non-At-Fault AcccidentMinorNA*
SpeedingMinor3 Years
Improper Lane useMinor3 Years
DUIMajor10 Years
Running a Traffic Light or Stop SignMinor3 Years
Driving without a LicenseMajor3 Years
Failure to Secure Load to truck/trailerMinor3 Years
Failure to Stop for a Pedestrian Side walkMinor3 Years
Failure to YeldMinor3 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

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 PorteLiability State Average
$684.64$510.15
Full Coverage Insurance in La PorteFull Coverage TX average
$1,254.25$934.59

How age and gender affect insurance premiums in La Porte, Texas

AgeMaleFemale
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 ratesDiscounts Available
Very HighContinuous Insurance
MildHomeowners
HighAdvanced Quote
MildMarried
MildMilitary
HighAuto Pay
MildEducation Discount
HighNo Accidents or Violations
HighPaid in Full

Nearby cities and neighborhoods in La Porte, Texas

Neighborhoods in La Porte, TexasCities Near La PorteZip Codes in La Porte
AlazanLufklin, Texas75961
Fredonia HillHenderson, Texas75962
Bonita JunctionJacksonville, Texas75963
Orton HillKilgore, 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

FactorRate Impact
How long have you owned the vehicleLow
anti theft deviceLow
Major Violations (DUI,DWI,etc)High
Marital StatusMedium
Vehicle Make and ModelMedium
Color of carnone
EducationLow
GenderMedium
Type of Vehicle CoverageMedium
vehicle performance (symbol)Medium

Liability Insurance requirements in La Porte

StateMinimum Coverage RequirementsAverage Cost for Minimum Liability Coverage
Texas30/60/25$578
Above are the minimum requirements in Texas for liability insurance. You can choose to increase the liability limit for additional coverage

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
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Last Updated on August 30, 2021 by Katie Sopko

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