Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Porter, TX for senior drivers are $2,583/year
  • The cheapest car insurance company in Porter for teen drivers is USAA
  • Average car insurance rates in Porter, TX are $358/month

Average car insurance rates in Porter, Texas are $358 a month. But with a little research you can get a great deal from the top car insurance companies in Porter, TX. Before you buy Porter, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

It may even be helpful to compare Porter car insurance rates with Plano car insurance rates, San Antonio car insurance rates, or Dallas car insurance rates to make sure you’re getting the best Porter, TX car insurance quotes available.

Need affordable Porter, TX car insurance? Enter your ZIP code to compare Porter car insurance quotes from multiple car insurance companies near you.

Porter, TX Minimum Car Insurance Coverage

Porter, Texas law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Porter, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Porter, TX Car Insurance Rates by Coverage Level

Some Porter drivers can get by with the Texas minimum coverage of 30/60/25. Other drivers may need more. See how much your Porter, Texas car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Porter, Texas

Insurance Company Low Medium High
Allstate $5,308 $5,387 $5,609
American Family $5,783 $6,001 $7,055
GEICO $3,446 $3,618 $3,966
Nationwide $4,309 $3,832 $3,869
Progressive $4,660 $4,881 $5,170
State Farm $3,005 $3,167 $3,355
USAA $2,477 $2,561 $2,680

Porter, TX Car Insurance Rates by Age, Gender, and Marital Status

Porter, Texas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Porter, TX car insurance, get quotes from multiple car insurance companies in the Porter area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Porter, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,501 $3,520 $3,452 $3,452 $9,413 $11,330 $4,323 $4,487
American Family $3,543 $3,998 $3,413 $3,963 $10,401 $13,561 $5,298 $6,058
GEICO $2,713 $2,948 $2,645 $3,041 $6,023 $6,209 $2,936 $2,900
Nationwide $2,485 $2,524 $2,194 $2,321 $7,183 $9,213 $2,934 $3,173
Progressive $2,567 $2,428 $2,295 $2,333 $11,100 $12,387 $3,043 $3,080
State Farm $2,201 $2,201 $1,963 $1,963 $5,361 $6,846 $2,400 $2,470
USAA $1,640 $1,646 $1,572 $1,557 $4,627 $5,025 $2,183 $2,331

Porter, TX Car Insurance Rates for Teens

How much is Porter, Texas car insurance for teens? Compare rates from top Porter car insurance companies below to help find the cheapest teen car insurance in Porter, TX.

Annual Car Insurance Rates for Teen Drivers in Porter, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,413 $11,330
American Family $10,401 $13,561
GEICO $6,023 $6,209
Nationwide $7,183 $9,213
Progressive $11,100 $12,387
State Farm $5,361 $6,846
USAA $4,627 $5,025

Porter, TX Car Insurance Rates for Seniors

Before seniors buy Porter, Texas car insurance, they should make sure to shop around. Some Porter, TX car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Porter, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,452 $3,452
American Family $3,413 $3,963
GEICO $2,645 $3,041
Nationwide $2,194 $2,321
Progressive $2,295 $2,333
State Farm $1,963 $1,963
USAA $1,572 $1,557

Porter, TX Car Insurance Rates by Credit History

How does your credit history affect Porter, TX car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Porter, Texas

Insurance Company Poor Fair Good
Allstate $6,897 $5,065 $4,343
American Family $8,488 $5,535 $4,816
GEICO $5,690 $3,209 $2,131
Nationwide $4,800 $3,860 $3,350
Progressive $5,500 $4,777 $4,435
State Farm $4,499 $2,799 $2,229
USAA $3,767 $2,188 $1,763

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Porter, TX Car Insurance Rates by Driver History

How does a single speeding ticket affect your Porter, Texas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Porter.

Annual Porter, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,176 $6,547 $6,839 $4,176
American Family $5,676 $7,359 $6,408 $5,676
GEICO $3,116 $4,140 $3,429 $4,022
Nationwide $3,471 $3,471 $5,150 $3,922
Progressive $4,270 $5,556 $4,985 $4,805
State Farm $2,812 $3,238 $3,840 $2,812
USAA $1,914 $2,834 $3,344 $2,198

Porter, TX Car Insurance Rates With a DUI

Even a single DUI can increase your Porter, TX car insurance rates. Compare rates below to see which Porter car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Porter, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,839
American Family $6,408
GEICO $3,429
Nationwide $5,150
Progressive $4,985
State Farm $3,840
USAA $3,344

Porter, TX Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Porter, TX car insurance rates may be. Let’s take a look at average car insurance rates from top Porter companies based on commute time.

Annual Car Insurance Rates by Commute Length in Porter, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,298 $5,571
American Family $6,280 $6,280
GEICO $3,607 $3,746
Nationwide $4,003 $4,003
Progressive $4,904 $4,904
State Farm $3,176 $3,176
USAA $2,540 $2,605

Porter, TX Cheapest Car Insurance Rates

How do the top Porter, Texas car insurance companies’ average rates stack up against the Porter average monthly car insurance rates of $358? Take a look and see.

Best Annual Car Insurance Rates by Company in Porter, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Porter, TX Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Porter, Texas car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Porter, Texas

Insurance Company Average Annual Rates
Allstate $5,435
American Family $6,280
GEICO $3,677
Nationwide $4,003
Progressive $4,904
State Farm $3,176
USAA $2,573

Other Factors Affecting Porter, TX Car Insurance Rates

Before you buy Porter, Texas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Porter, TX Commute Time

How does your Porter, TX commute time compare with the average driver? In Porter, the average commute is 28.4 minutes.

Porter, TX Car Insurance Quotes

Compare Porter, TX car insurance quotes from multiple companies by entering your ZIP code now.