Port Arthur Insurance Rates:

Port Arthur, TX home insurance is roughly $862 to $1,166, about $71-$97/month. Our comprehensive analysis indicates shoppers can save as much as $405 by getting different quotes

Compare Quotes from Top Providers and Save now!

Port Arthur, Texas Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Port Arthur Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $120/3 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $65,000

3 Beds, 3 Baths 1250 sqft Rental Property Constructed In 1986 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Single Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $370/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Bath 3000 sqft Seasonal Residence Constructed In 1996 with Linoleum, Metal Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Swimming Pool, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Single Female who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $280/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

4 Beds, 4 Bath 1620 sqft Vacation Property Constructed In 1960 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Port Arthur, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
77642 $68,400 $1,010

Port Arthur Rates & Quotes Analysis:

Port Arthur Area Estimated House Insurance
Willow Bend Ct, James Ave, Magnolia Ave, Sunken Ct, Fairway Meadows Dr, 60th St, Charles Ave, Drawhorn Dr, Hamilton Court Dr, 61st St$1,044
Eyre St, 53rd St, Evergreen Dr, Dixie Dr, Fort Worth Ave, Amy St, Linn St, Medical Triangle Dr, Marshall Ave, Honeywood Trl$1,013
Southwind, Washington, Jimmy Johnson Blvd, Boyd Ave, 77th St, Amherst St, FM 3514, Mimosa St, S 3 1/2 St, Manning St$1,013
Gloria Ct, Oak S, 35th St, Royal Meadows Blvd, Zion St, Dr Rev Ransom Howard, Montclair Dr, Oakmont Dr, 46th St, Reynolds Ln$1,057
Cobblestone Ln, Avenue M Ave, Ave O, Orchid St, Ridgewood Dr, Sassine Ave, E Kitchen Dr, N 15th St, Live Oak St, Kelliwood Dr$1,051
N 16th St, Cherry St, N 22nd St, Galveston Ave, N 26th St, Zwolle Blvd, N 18th St, Bryan Ave, Afton St, Boston Ave$1,018
Tulane Ave, Bluebonnet Ave, Erwin St, Mire St, S 9th St, Delta Dr, Sheridan Ln, Graves Ave, Cedar Springs Ln, Lavender St$1,038
Mazur Dr, Avenue B Ave, Amino St, Sabine Ave, Dorsey St, Milo Ave, Shelley Dr, Waco Ave, Pecan St, Avalon Ave$1,033
Big Bend Ave, Sunken Ct, Wagner St, Lake Tahoe, Pure Oil Rd, S 16th St, Dogwood Ln, Turtle Creek Dr, Terrace Ave, Hickory$1,019
W Boston Ave, Cheryl Ct, Canal St, W Parkway St, Newton Ave, 38th St, Atlanta Ave, Briarwood Ln, Bowlin Ave, Monroe St$1,011

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,913 Homes (17% of total) built between 1960 to 1969 in Port Arthur are paying home insurance between $1,775-$1,790 compared to Port Neches (+$40), Nederland (+$23), Central Gardens (+$21), Rose City (-$28) and West Orange (-$27).
  • Bedrooms: 22,456 3 bedrooms homes (49% of total homes ) in Port Arthur are paying about $791. Areas near to Port Arthur such as Port Neches, Groves, Nederland are costlier by $18, $4, $11 respectively whereas Rose City and Orange County are more economical by $22, $11 respectively for similar homes.
  • Auto Insurance Bundling: 12,710 Households (45% of all households) in Port Arthur have 2 vehicles available and when it is bundled with home insurance you can save $202. Discounts for similar bundling in close by locations such as Port Neches, Groves, Nederland come to $207, $203, $205 respectively.
  • Senior Discounts: 13,484 seniors (more than 55 years) occupied housing units (47% of total) in Port Arthur get discounts between $151 to $154 and differs from Port Neches ($155), Groves ($152), Nederland ($154).
  • New Homes discounts: New homes such as the 18,478 homes built between 2000 to 2009 in Port Arthur can save $202 and varies from Port Neches ($207), Groves ($203), Nederland ($205).

Port Arthur Homeowners insurance Facts

  • Port Arthur, TX has 28,129 owner occupied houses which is 68.7% of all units whereas Port Neches, Groves and Nederland have 81.21%, 71.7% and 77.19% respectively.
  • Port Arthur, TX homeowners yearly insurance price at $1,014 is 1.13% of the typical house value of $90,000 which is in contrast with 0.79% in Port Neches, 1.05% at Groves & 0.91% in Nederland.
  • Homeowners in Port Arthur, TX pay 8.11% of their income ($10,000 to $14,999) in insurance whereas homeowners in Port Neches, Groves and Nederland pay 8.3%, 8.15% and 8.22% respectively.
  • Port Arthur, TX’s insurance is 7.1% of monthly housing costs of $1,192/month, for owners with a mortgage compared to 6.43% in Port Neches, 6.94% at Groves & 7.11% in Nederland. But, for households without a mortgage, insurance is 22.2% of costs ($380 in Port Arthur, TX) in contrast with 17.85% in Port Neches, 21.39% at Groves & 18.73% in Nederland.

Port Arthur, TX Home Values & Insurance rates

For example, insurance for 2,447 Homes (8.0% of total homes ) valued between $80,000 to $89,999 in Port Arthur, TX is about $953. Rates in nearby areas in such as Port Neches, Groves, Nederland are cheaper by $279, $67, $194 respectively while Rose City and Orange County are costlier by $394 and $28 respectively for similar homes.

Port Arthur, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,681 20.0% $273
$50,000 to $59,999 1,660 5.0% $588
$60,000 to $69,999 2,068 7.0% $730
$70,000 to $79,999 2,199 7.0% $841
$80,000 to $89,999 2,447 8.0% $953
$90,000 to $99,999 2,325 8.0% $1064
$100,000 to $124,999 3,007 10.0% $1237
$125,000 to $149,999 2,727 9.0% $1541
$150,000 to $174,999 2,016 7.0% $1825
$175,000 to $199,999 1,268 4.0% $2109
$200,000 to $249,999 1,358 4.0% $2535
$250,000 to $299,999 600 2.0% $3102
$300,000 to $399,999 493 1.0% $3934

Renters Insurance in Port Arthur

  • Average Renters Insurance in Port Arthur :  $228($19/month)

  • Median Gross Rent in Port Arthur :  $704

  • Port Arthur Renters Insurance to Median Rent Ratio:  2.7%

  • Average household size of renter-occupied unit :  2.35

Port Arthur Renters Insurance as a Percentage of Rent

Port Arthur Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 673 5.0% $357
$200 to $299 777 6.0% $807
$300 to $499 1,248 10.0% $1257
$500 to $749 4,174 35.0% $1932
$750 to $999 3,023 25.0% $2682
$1,000 to $1,499 1,727 14.0% $3807
$1,500 or more 184 1.0% $5457

Rent Affordability in Port Arthur:

Approximately 42.0% (5,482) of households are spending more than 35% of their income on gross rent in Port Arthur

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,900 14.0%
15.0 to 19.9 percent 1,915 14.0%
20.0 to 24.9 percent 1,439 11.0%
25.0 to 29.9 percent 1,309 10.0%
30.0 to 34.9 percent 799 6.0%
35.0 percent or more 5,482 42.0%

Port Arthur Renters Insurance Discounts:

Port Arthur Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Port Arthur, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,385 49.0% $22.8
2 vehicles available 3,393 26.0% $34.2
3 or more vehicles available 717 5.0% $45.6

Protective device discount in Port Arthur Up to :  $34

Claims-free discount in Port Arthur Up to :  $45