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Cheapest car insurance in La Porte, Texas (Mar 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in La Porte, Texas.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance quotes in La Porte

In La Porte, the average
auto insurance
policy costs about $91 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. La Porte drivers pay 4% less than the
Texas
average.  
Every month, thousands of savvy car insurance shoppers in La Porte, Texas use the
trusted broker
Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our La Porte customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$117
Nell, 45
Zip: 77571
Buick Encore
• 100,000/300,000 Liability
Allstate
$236
Florence, 25
Zip: 77571
Chevrolet Silverado C1500 LT
• State Minimum Liability
• Comp / Collision
Safeco
$195
Michael, 24
Zip: 77571
Honda Accord Sport SE
• State Minimum Liability
• Comp / Collision
Gainsco
$171
Cornelia, 64
Zip: 77571
Ford Mustang
• State Minimum Liability
Mercury
$300
Lora, 32
Zip: 77571
Nissan Pathfinder S
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 28, 2024

Best car insurance companies in La Porte

No one car insurance company is the right fit for every driver. The primary reason is that every customer gets different
car insurance quotes
based on their profile—so the most affordable company differs for everyone. Besides price, you also have to consider factors such as claims handling and customer service. 
Jerry conducted the largest insurance survey in the country to help drivers better compare the cheapest car insurance companies. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
4
3.8
4.3
USAA
4.2
3.3
4.4
4.3
State Farm
3.9
3.4
3.7
4
Geico
3.9
3.1
4.2
4.1
Liberty Mutual
3.3
2.6
N/A
3.2
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in La Porte

Texas has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in La Porte—and offers you the cheapest rate.
But minimum liability isn’t always enough. You should consider getting full coverage to cover the repair or replacement costs for your car.  

Cheap minimum liability insurance quotes in La Porte

To hit the road legally, La Porte drivers need to meet Texas minimum coverage limits for bodily injury liability and property damage liability:
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 for property damage
These coverages are commonly known as 30/60/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving. 
Jerry has helped La Porte drivers find affordable minimum liability coverage with no hassles.
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Larry (45 years old)
coverageCoverage
State Minimum
locationLa Porte, TX
(Zip Code: 77571)
$75
per month
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Nancy (27 years old)
coverageCoverage
State Minimum
locationLa Porte, TX
(Zip Code: 77571)
$193
per month
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Clearcover
Erik (30 years old)
coverageCoverage
State Minimum
locationLa Porte, TX
(Zip Code: 77571)
$102
per month
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Owen (24 years old)
coverageCoverage
State Minimum
locationLa Porte, TX
(Zip Code: 77571)
$180
per month

Do you need more than minimum coverage in La Porte?

Most drivers in La Porte need higher liability coverage than the 30/60/25 state minimum mandated by
Texas car insurance laws
If you cause an accident, you could be responsible for medical bills and vehicle repairs well past the 30/60/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above the $25,000 property damage limit. 
It’s important to note that
Texas’ car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the accident date! 
The bottom line: For optimal financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car. 

Cheap full coverage car insurance quotes in La Porte

Full coverage car insurance
is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle. 
Full coverage includes comprehensive and collision coverage:
  • Collision coverage
    covers the cost of repairing or replacing your car after an accident. In contrast
  • Comprehensive coverage
    pays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters. 
If you have a loan on the car, your bank will require both collision and comprehensive coverage until the loan is paid.  
On top of a full-coverage policy, you can choose to purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. 
Jerry has helped drivers in La Porte and beyond find full coverage quotes that won’t break the bank.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$142
Juan, 27
Zip: 77571
Honda Civic EX
• State Minimum Liability
• Comp / Collision
Travelers
$193
Nancy, 27
Zip: 77571
Ford F350 Super Duty
• State Minimum Liability
• Comp / Collision
Mercury
$300
Lora, 32
Zip: 77571
Nissan Pathfinder S
• 50,000/100,000 Liability
• Comp / Collision
Clearcover
$299
Gerald, 25
Zip: 77571
Dodge Challenger R/T
• State Minimum Liability
• Comp / Collision
Dairyland
$329
Hilda, 48
Zip: 77571
Honda Accord Touring
coverageLast Updated Mar 28, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in La Porte

After analyzing scores of insurance providers in La Porte, we have discovered that the average price for minimum liability coverage amounts to be $91 per month or $1,097 per year. Additionally, residents of La Porte can expect to pay an average of $150 per month or $1,799 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
Lower my car insurance too!

Car insurance quotes in La Porte by rating factors 

Insurance companies in La Porte use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in La Porte?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in La Porte:

Cheap car insurance quotes in La Porte after driving violations

Your
Texas driving record
influences your auto insurance quotes. If insurance providers see a history of violations, they may label you a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license

Cheapest car insurance in La Porte after DUI

A
DUI
in La Porte is a serious violation and it will trigger extremely high rates for car insurance and label you as a
high-risk driver
. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI, it’s important to
shop around and compare rates
Jerry has assisted many La Porte drivers with finding affordable rates after a DUI.
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Jerome (32 years old)
coverageCoverage
State Minimum
locationLa Porte, TX
(Zip Code: 77571)
$164
per month
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Electric
Alice (32 years old)
coverageCoverage
State Minimum
locationLa Porte, TX
(Zip Code: 77571)
carRAM 1500 ST
$270
per month

Cheapest car insurance in La Porte after an at-fault accident

One of the most critical factors affecting car insurance rates is your car accident or claim history. Texas is an at-fault state, and an at-fault accident in your recent past could mean significantly higher insurance rates.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$153
Katie, 26
Zip: 77571
Dodge Durango GT
• State Minimum Liability
• Comp / Collision
Not At Fault
Safeco
$280
Hilda, 32
Zip: 77571
Nissan Pathfinder S
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Travelers
$193
Carl, 27
Zip: 77571
Ford F350 Super Duty
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 23, 2024

Cheapest car insurance in La Porte after other driving violations

Speeding tickets, DUIs,
reckless driving
, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in La Porte.
Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
Progressive
$327
Caleb, 26
Zip: 77571
GMC Sierra K2500 Heavy Duty
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Gainsco
$347
Christopher, 56
Zip: 77571
Chevrolet Trailblazer LT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 28, 2024

Cheap car insurance quotes in La Porte by age

Young people and seniors generally face the highest insurance rates. 
Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.

Cheapest car insurance in La Porte for young drivers

Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in La Porte. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens tend to get into more accidents. 
Staying on a parent’s policy is the best way to keep rates low. Using Jerry to find a policy is also a great option! Take a look at these real quotes teen drivers in Texas found with the Jerry app.
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Matthew (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLa Porte, TX
(Zip Code: 77571)
$173
per month
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Ann (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLa Porte, TX
(Zip Code: 77571)
carFord Fiesta S
$179
per month
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Michael (24 years old)
coverageCoverage
State Minimum
locationLa Porte, TX
(Zip Code: 77571)
$195
per month
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Clearcover
Kathryn (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationLa Porte, TX
(Zip Code: 77571)
$125
per month
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Lucy (21 years old)
coverageCoverage
State Minimum
locationLa Porte, TX
(Zip Code: 77571)
carToyota Tundra Access Cab
$217
per month

Cheapest car insurance in La Porte for senior drivers

Car insurance rates for seniors
tend to be higher due to several reasons. The main one is that older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision. This translates to significant medical expenses and increased costs for insurance providers.
But with Jerry, senior drivers can continue to save on car insurance. Here's what real senior motorists in Texas were quoted using the Jerry app:
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Bruce (75 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationLa Porte, TX
(Zip Code: 77572)
$59
per month
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Esther (66 years old)
coverageCoverage
State Minimum
locationLa Porte, TX
(Zip Code: 77571)
$63
per month

Cheap car insurance quotes in La Porte based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
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Georgie (45 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationLa Porte, TX
(Zip Code: 77571)
$117
per month
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Bertie (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationLa Porte, TX
(Zip Code: 77571)
$193
per month
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Vincent (24 years old)
Currently Insured
coverageCoverage
State Minimum
locationLa Porte, TX
(Zip Code: 77571)
$195
per month
card cover
Logan (25 years old)
Currently Insured
coverageCoverage
State Minimum
locationLa Porte, TX
(Zip Code: 77571)
$236
per month
card cover
Clearcover
Ruth (23 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationLa Porte, TX
(Zip Code: 77571)
$125
per month

Cheap car insurance quotes in La Porte for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Take a look at how your rates could change with a lower credit score, and the premiums you could find using Jerry:
Credit rangeInsurance companyPremium (monthly)CustomerCarInsurance coverage
> 750
Progressive
$142
Nicholas, 27
Zip: 77571
Honda Civic EX
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Gainsco
$371
Sallie, 21
Zip: 77571
Toyota Tundra Access Cab
• State Minimum Liability
660 - 750
Bristol West
$202
Harriet, 24
Zip: 77571
Ford Ranger
• State Minimum Liability
550 - 659
Progressive
$141
Kyle, 52
Zip: 77571
Chrysler 300 Touring
• State Minimum Liability
• Comp / Collision
< 550
Gainsco
$347
Eric, 56
Zip: 77571
Chevrolet Trailblazer LT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 28, 2024

How to lower car insurance costs in La Porte

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

What’s the cheapest car insurance in Texas?

No single company has the cheapest car insurance for every driver. Different companies cater to different markets, and every driver is unique, so the cheapest option is what you find after comparing multiple quotes.
However, our research shows that in Texas, some of the cheapest minimum coverage can be found with Nationwide ($45/month), Travelers ($53/month), Mapfre ($54/month), and Allstate ($55/month). Just remember that these are average rates and can fluctuate across motorists based on their driving profiles.

How much is car insurance per month in Texas?

Minimum-coverage car insurance is $85 per month in Texas, while full coverage is $198 per month. This adds up to an average cost of anywhere between $1,021 to $2,376 per year.

Why is car insurance so high in Texas?

A big reason why car insurance is so high in Texas is an above-average rate of motor vehicle crash fatalities. Besides being a risky place to drive, news pundits in the Lone Star State also blame rising insurance costs on inflation and bad driving habits developed during COVID-19.

What’s full coverage car insurance in Texas?

Full-coverage car insurance in Texas includes liability, collision, and comprehensive coverage. While collision and comprehensive insurance aren’t legally required (and neither is full coverage), every driver in Texas must carry at least 30/60/25k of liability coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.