La Porte Insurance: Liability Requirements

Below are the minimum requirements in Texas for liability insurance. You can choose to increase the liability limit for additional coverage

State	Minimum Coverage Requirements	Average Cost for Minimum Liability Coverage
Texas	30/60/25	$578

La Porte Texas Insurance

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

La Porte Insurance Sample Rates

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

Violations and the Impact They Have on La Porte Insurance Rates

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 below to see how long common violations may stay on your driving record

Violation	Minor, Major, Non-Moving	Years on Record
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

How Age and Gender Affect Insurance Premiums in La Porte, Texas

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

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

La Porte Insurance Discounts Available

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

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

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

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

La Porte Insurance Companies We Represent

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

Additional Helpful Links

Additional Texas Insurance
Car Insurance in Sherman Little Elm Insurance
Most Affordable Car Insurance in Lufkin
Insurance in Weslaco
Auto Insurance in Copperas Cove
Most Affordable Car Insurance in Spring
Cheapest Car Insurance in Cleburne
Most Affordable Car Insurance in Schertz
Auto Insurance in Del Rio
Best Insurance in Haltom City
Most Affordable Car Insurance in Southlake
Cheapest Auto Insurance in Euless
Most Affordable Car Insurance in Coppell

Last Updated on July 26, 2023 by Marlon Moss