Cheapest Car Insurance Quotes in Port Lavaca

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Port Lavaca Car Insurance

^$ 41

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Port Lavaca

The car insurance rate in Port Lavaca is $995 for a six-month policy, which is $52 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $632, making it a popular choice for budget-conscious drivers. Rates in Port Lavaca can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Port Lavaca

$995

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Port Lavaca

1st place: Texas Farm Bureau

At $632 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $751 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $773 for six months, making it the third cheapest auto insurance company in Port Lavaca.

Port Lavaca Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Port Lavaca, TX is Texas Farm Bureau, offering policies at just $632 for a six-month term. This is followed by Mercury, which has an average six-month premium of $751.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1078 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Port Lavaca drivers find the best deals.

Cheap Car Insurance Companies in Port Lavaca, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$632	$106
Mercury	$751	$127
State Farm	$773	$130
AAA Texas	$785	$133
USAA	$864	$145
Redpoint Insurance	$925	$158
Progressive	$1067	$180
Southern County Mutual	$1225	$208
Allstate	$1456	$245
Farmers	$2330	$396
Redpoint County Mutual	$908	$155
Geico County Mutual	$1016	$173
Germania	$407	$67
AAA	$711	$119
National General	$1078	$180

Key Takeaways

Way's key takeaways about car insurance in Port Lavaca

The auto insurance costs in Port Lavaca fall around $632 for six months.
The cheapest auto insurance company in Port Lavaca is Texas Farm Bureau.
Teen drivers pay the highest rate in Port Lavaca at $69 per month.

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Cheapest Minimum Liability Car Insurance in Port Lavaca

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Port Lavaca are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Port Lavaca. Their Average 6 Month Premium is $242. Germania is the most expensive at $407 for the same period.

Cheapest Liability Coverage in Port Lavaca, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$242	$41
USAA	$271	$46
Progressive	$282	$48
State Farm	$288	$48
Redpoint Insurance	$316	$52
Mercury	$367	$62
AAA Texas	$407	$67
Allstate	$559	$94
Farmers	$920	$153
Redpoint County Mutual	$305	$50
Geico County Mutual	$316	$54
National General	$350	$58
Germania	$407	$69

Cheapest Full Coverage Car Insurance in Port Lavaca

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Port Lavaca is Texas Farm Bureau at $106 per month and $632 for six months.

Cheapest Full Coverage Car Insurance Quotes in Port Lavaca, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$632	$106
Mercury	$751	$127
State Farm	$773	$130
AAA Texas	$785	$133
USAA	$864	$145
Redpoint Insurance	$925	$158
Progressive	$1067	$180
Southern County Mutual	$1225	$208
Allstate	$1456	$245
Farmers	$2330	$396
Redpoint County Mutual	$908	$155
Geico County Mutual	$1016	$173
Germania	$407	$67
AAA	$711	$119
National General	$1078	$180

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Average Car Insurance in Port Lavaca by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Port Lavaca, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Port Lavaca, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Port Lavaca's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Port Lavaca

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	Texas Farm Bureau	$664
40s	Nationwide	$659
50s	Texas Farm Bureau	$588
60s	Texas Farm Bureau	$543
70s	Texas Farm Bureau	$583

Cheapest Car Insurance Rates for Teen Drivers in Port Lavaca,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Port Lavaca at $53 per month. At $418 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$322	$53
Southern County Mutual	$418	$71
Mercury	$451	$75
AAA Texas	$514	$87
Texas Farm Bureau	$1123	$189
USAA	$1225	$206
State Farm	$1270	$214
Allstate	$3188	$537
Progressive	$5440	$916
Farmers	$7607	$1293
Redpoint County Mutual	$311	$53
Geico County Mutual	$418	$69

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Port Lavaca.

As young drivers face the highest rates in Port Lavaca, Texas Farm Bureau offers the cheapest auto insurance rates at $664 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Port Lavaca, Mercury is the cheapest car insurance provider. At $491 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Port Lavaca is State Farm, offering rates of around $4261 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$491	$84
Foremost	$587	$98
AAA Texas	$626	$106
Dairyland	$728	$122
Allstate	$954	$162
USAA	$977	$162
Texas Farm Bureau	$1100	$187
Progressive	$1524	$257
Farmers	$3860	$656
State Farm	$4261	$710

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Car Insurance Rates with An Accident in Port Lavaca

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Port Lavaca, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Port Lavaca

The cheapest car insurance companies after an at-fault accident in Port Lavaca include Redpoint Insurance and Southern County Mutual, offering $322 and $390, respectively. National General is an expensive provider with an average six-month premium of $547.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$322	$53
Southern County Mutual	$390	$67
State Farm	$599	$101
AAA Texas	$604	$103
Mercury	$733	$123
USAA	$897	$151
Texas Farm Bureau	$993	$167
Progressive	$1845	$311
Allstate	$2077	$350
Farmers	$6405	$1089
Redpoint County Mutual	$311	$51
Geico County Mutual	$390	$67
National General	$547	$93

Port Lavaca Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Port Lavaca TX. For example, the car insurance in Port Lavaca after a DUI increases to $745 for a six month policy. While the rate increases by $175 for a six-month policy in the case of a speeding ticket.

Port Lavaca auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1219	$203
One Med/PIP claim	$1230	$209
One comp claim	$1292	$216
Not-at-fault accident	$1303	$221
Two Med/PIP claims	$1309	$219
Failure to show documents	$1355	$230
Driving with expired registration	$1365	$228
Two comp claims	$1377	$234
Cell phone violation	$1388	$232
Driving without lights	$1388	$236
Texting while driving	$1388	$232
Driving too slowly	$1394	$237
Speeding 11 - 15 MPH over limit	$1394	$233
Speeding 16 - 20 MPH over limit	$1394	$237
Speeding 6 - 10 MPH over limit	$1394	$233
Speeding in school zone	$1394	$237
Child safety restraint	$1399	$234
Failure to wear a seat belt	$1399	$238
In 65 MPH zone	$1405	$235
Failure to stop at a red light	$1411	$240
Failure to yield	$1411	$236
Following too closely	$1411	$240
Illegal turn	$1411	$236
Improper passing	$1411	$240
Speeding 21 - 25 MPH over limit	$1411	$236
Passing school bus	$1416	$241
Wrong way/wrong lane	$1416	$236
Operating a vehicle without permission	$1422	$242
At-fault accident - less than $1000	$1478	$246
Open container	$1664	$283
Driving with a suspended license	$1727	$288
Racing	$1829	$311
Reckless driving	$1829	$305
Leaving scene of an accident/hit and run	$1873	$318
At-fault accident - $1000-$2000	$1879	$314
Refusal to submit to a chemical test	$1935	$329
DUI	$1964	$328
At-fault accident - greater than $2000	$2043	$348

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Port Lavaca after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Port Lavaca.

The cheapest car insurance premiums in Port Lavaca are offered by Mercury at $485 for a six-month policy. However, it can be as expensive as $2940 with companies like Farmers.

Port Lavaca car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$485	$81
Foremost	$547	$93
Dairyland	$599	$100
AAA Texas	$632	$107
State Farm	$790	$133
Texas Farm Bureau	$937	$160
Progressive	$1185	$200
USAA	$1213	$204
Allstate	$1547	$260
Nationwide	$1597	$272
Farmers	$2940	$490

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Port Lavaca are offered by State Farm at $440. However, it can be as expensive as $3200 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Port Lavaca after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$440	$74
Texas Farm Bureau	$485	$83
Mercury	$503	$84
AAA Texas	$536	$91
USAA	$706	$118
Allstate	$954	$162
Progressive	$1643	$274
Farmers	$3200	$544

Car Insurance Price Trends in Port Lavaca, Texas

Car insurance rates in Port Lavaca have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Port Lavaca remained steady at $197 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Port Lavaca rose to $61 in December, compared to $59 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Port Lavaca?

The car insurance in Port Lavaca is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Port Lavaca?

The cheapest car insurance in Port Lavaca is $106 per month for full coverage.

How much is car insurance in Port Lavaca for teenagers?

Car insurance for teenagers costs $322 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Port Lavaca?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $168 per month to insure your car in Port Lavaca.

Is car insurance expensive in Port Lavaca?

Car insurance can be expensive in Port Lavaca if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Port Lavaca can be affordable.

Cheapest Car Insurance Quotes in Port Lavaca

Why you can trust Way?

How Much Is Car Insurance in Port Lavaca

Avg. Car Insurance in Port Lavaca

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Port Lavaca

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Port Lavaca Car Insurance Rates by Company

Cheap Car Insurance Companies in Port Lavaca, TX

Way's key takeaways about car insurance in Port Lavaca

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Port Lavaca

Cheapest Liability Coverage in Port Lavaca, TX

Cheapest Full Coverage Car Insurance in Port Lavaca

Cheapest Full Coverage Car Insurance Quotes in Port Lavaca, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Port Lavaca by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Port Lavaca, TX increasing?

Car Insurance Premiums by Age in Port Lavaca

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Port Lavaca,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Port Lavaca.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Port Lavaca

Cheapest Car Insurance Companies after an At-Fault Accident in Port Lavaca

Port Lavaca Car Insurance Rates by Violation

Port Lavaca auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Port Lavaca after a DUI

Port Lavaca car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Port Lavaca after Speeding ticket

Car Insurance Price Trends in Port Lavaca, Texas

Average Car Insurance Cost in Port Lavaca by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Port Lavaca, TX

Car Insurance Rates by State in the USA (2025 Update)

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