Port Arthur drivers pay an average of $2,439/year — $668 more than the national average. With 675 crashes per year and a 2.5 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $723/year.
(888) 217-6781Estimated full coverage auto insurance rates for Port Arthur, TX from top carriers. Rates are adjusted for Port Arthur's 675 annual crashes, 2.5 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $811 | $135/mo |
| GEICO | $925 | $154/mo |
| Progressive | $1,044 | $174/mo |
| State Farm | $1,140 | $190/mo |
| Allstate | $1,390 | $232/mo |
Estimates based on 2026 rate filings for ZIP 77640. USAA is cheapest at ~$135/mo. Actual rates vary by driver profile and exact Port Arthur location.
These Port Arthur-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Port Arthur, TX. Takes under 2 minutes.
(888) 217-6781With 56,039 residents, Port Arthur is a growing community in Texas where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like hurricanes, tornadoes, hail, flooding, extreme heat and commuter corridors still influence premiums. Port Arthur drivers often find rates slightly below the Texas state average.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Port Arthur can swing your premium by hundreds of dollars. Here's how rates compare across Port Arthur neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 77643 | Port Arthur South Side | $2,339/yr | $195/mo |
| 77643 | Port Arthur North Side | $2,351/yr | $196/mo |
| 77660 | Port Arthur West Side | $2,442/yr | $204/mo |
| 77644 | Port Arthur East Side | $2,469/yr | $206/mo |
| 77640 | Port Arthur Downtown/Central | $2,637/yr | $220/mo |
The cheapest ZIP is 77643 (Port Arthur South Side) at $2,339/yr. The most expensive is 77640 (Port Arthur Downtown/Central) at $2,637/yr — a $298/year difference for the same driver.
Your Port Arthur ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Port Arthur. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,122/yr | $427/mo | +110% vs avg |
| Young Adult (20-25) | $3,415/yr | $285/mo | +40% vs avg |
| Adult (26-35) | $2,439/yr | $203/mo | 0% vs avg |
| Mid-Career (36-50) | $2,146/yr | $179/mo | -12% vs avg |
| Senior (51-65) | $2,024/yr | $169/mo | -17% vs avg |
| 65+ | $2,171/yr | $181/mo | -11% vs avg |
Teens in Port Arthur pay an average of $5,122/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,024/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Port Arthur drivers can save up to $723/year. ZIP 77643 (Port Arthur South Side) has the lowest rates starting at $2,339/yr.
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