Beaumont, TX Auto Insurance (2024)
The average Beaumont, TX auto insurance rates are $358 per month. The minimum auto insurance in Beaumont is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Beaumont, Texas, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Beaumont, TX for senior drivers are $2,597 per year
- The average commute length in Beaumont is 18.8 minutes
- The minimum auto insurance required in Beaumont, Texas is 30/60/25
Beaumont, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Beaumont can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Beaumont, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Beaumont to other Texas cities, including Arlington auto insurance rates, Dallas auto insurance rates, and Corpus Christi auto insurance rates to see how Beaumont, Texas auto insurance rates stack up.
Before you buy Beaumont, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Beaumont, Texas auto insurance quotes.
Minimum Auto Insurance in Beaumont, Texas
Beaumont, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Beaumont, 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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Cheap Beaumont, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Beaumont, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,733 | $3,757 | $3,684 | $3,684 | $9,919 | $11,944 | $4,603 | $4,780 |
| American Family | $3,008 | $3,370 | $2,868 | $3,306 | $8,499 | $11,152 | $4,425 | $5,067 |
| Geico | $2,777 | $3,027 | $2,717 | $3,136 | $6,256 | $6,466 | $3,012 | $2,979 |
| Nationwide | $2,604 | $2,645 | $2,299 | $2,432 | $7,524 | $9,652 | $3,074 | $3,325 |
| Progressive | $2,620 | $2,467 | $2,336 | $2,378 | $11,213 | $12,502 | $3,091 | $3,116 |
| State Farm | $2,346 | $2,346 | $2,098 | $2,098 | $5,746 | $7,342 | $2,559 | $2,631 |
| USAA | $1,745 | $1,747 | $1,675 | $1,652 | $4,977 | $5,391 | $2,318 | $2,464 |
Cheap Beaumont, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Beaumont, Texas is a challenge. It is a standard for companies in the car insurance industry to consider teens high-risk drivers. They have less driving experience and are less likely to be a safe driver, so providers see them as more likely to cause an auto accident. This demographic is not really one to see the lowest rates, but there are still some affordable insurers out there. Take a look at the annual teen auto insurance rates in Beaumont, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,919 | $11,944 |
| American Family | $8,499 | $11,152 |
| Geico | $6,256 | $6,466 |
| Nationwide | $7,524 | $9,652 |
| Progressive | $11,213 | $12,502 |
| State Farm | $5,746 | $7,342 |
| USAA | $4,977 | $5,391 |
Cheap Beaumont, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Beaumont, Texas? The years of driving experience seniors have lets them see a more affordable price. Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,684 | $3,684 |
| American Family | $2,868 | $3,306 |
| Geico | $2,717 | $3,136 |
| Nationwide | $2,299 | $2,432 |
| Progressive | $2,336 | $2,378 |
| State Farm | $2,098 | $2,098 |
| USAA | $1,675 | $1,652 |
Cheap Beaumont, Texas Auto Insurance By Driving Record
Your driving record has a big impact on your auto insurance rates. A record that shows years of safe driving will yield more affordable car insurance rates than one that has an accident history, speeding ticket, or multiple traffic tickets, for example. See the annual auto insurance rates for a bad record in Beaumont, Texas compared to the annual auto insurance rates with a clean driving record in Beaumont, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,447 | $6,933 | $7,225 | $4,447 |
| American Family | $4,718 | $6,099 | $5,313 | $4,718 |
| Geico | $3,216 | $4,296 | $3,528 | $4,144 |
| Nationwide | $3,636 | $3,636 | $5,396 | $4,109 |
| Progressive | $4,323 | $5,623 | $5,052 | $4,863 |
| State Farm | $3,003 | $3,463 | $4,115 | $3,003 |
| USAA | $2,039 | $3,031 | $3,573 | $2,342 |
Cheap Beaumont, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Beaumont, Texas is not easy. Compare the annual rates for DUI auto insurance in Beaumont, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,225 |
| American Family | $5,313 |
| Geico | $3,528 |
| Nationwide | $5,396 |
| Progressive | $5,052 |
| State Farm | $4,115 |
| USAA | $3,573 |
Cheap Beaumont, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. Your credit rating really does matter in terms of finding affordable auto insurance. Poor credit can increase your annual premium significantly. See how Beaumont, Texas annual auto insurance rates by credit history compare. See how Beaumont, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,326 | $5,366 | $4,597 |
| American Family | $7,116 | $4,550 | $3,969 |
| Geico | $5,878 | $3,313 | $2,198 |
| Nationwide | $5,033 | $4,043 | $3,507 |
| Progressive | $5,579 | $4,834 | $4,483 |
| State Farm | $4,800 | $2,996 | $2,392 |
| USAA | $4,019 | $2,337 | $1,884 |
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Cheap Beaumont, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Beaumont, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Beaumont, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 77701 | $6,397 |
| 77702 | $6,412 |
| 77703 | $6,474 |
| 77705 | $6,573 |
| 77706 | $6,339 |
| 77707 | $6,411 |
| 77708 | $6,386 |
| 77713 | $6,257 |
Cheap Beaumont, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Beaumont, Texas auto insurance. Find the cheapest annual Beaumont, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,619 | $5,907 |
| American Family | $5,212 | $5,212 |
| Geico | $3,727 | $3,866 |
| Nationwide | $4,194 | $4,194 |
| Progressive | $4,965 | $4,965 |
| State Farm | $3,396 | $3,396 |
| USAA | $2,711 | $2,781 |
Cheap Beaumont, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Beaumont, Texas? Check out the comparison of annual Beaumont, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,616 | $5,708 | $5,965 |
| American Family | $4,852 | $5,010 | $5,774 |
| Geico | $3,562 | $3,738 | $4,089 |
| Nationwide | $4,513 | $4,015 | $4,054 |
| Progressive | $4,696 | $4,938 | $5,262 |
| State Farm | $3,198 | $3,382 | $3,608 |
| USAA | $2,641 | $2,734 | $2,864 |
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Best By Category: Cheapest Auto Insurance in Beaumont, Texas
Compare the cheapest auto insurance companies in Beaumont, Texas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
The Cheapest Beaumont, Texas Auto Insurance Companies
What auto insurance companies in Beaumont, Texas are the cheapest? Compare the top Beaumont, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,763 |
| American Family | $5,212 |
| Geico | $3,796 |
| Nationwide | $4,194 |
| Progressive | $4,965 |
| State Farm | $3,396 |
| USAA | $2,746 |
What affects auto insurance rates in Beaumont, Texas?
There are a lot of reasons why auto insurance rates in Beaumont, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Beaumont, Texas. Many local factors may affect your Beaumont auto insurance rates.
Beaumont Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Beaumont, Texas auto theft statistics, there have been 410 auto thefts in the city.
Beaumont Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Beaumont, Texas commute length is 18.8 minutes according to City-Data.
Beaumont Traffic
How does Beaumont, Texas rank for traffic? According to Inrix Beaumont, Texas is the 748th most congested worldwide.
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Compare Beaumont, Texas Auto Insurance Quotes
Before you buy Beaumont, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Beaumont, Texas auto insurance quotes.
Frequently Asked Questions
What is auto insurance, and why is it important in Beaumont, TX?
Auto insurance is a type of insurance coverage that provides financial protection in the event of accidents, theft, or damage to a vehicle. It is important in Beaumont, TX, as it is mandatory by law to have auto insurance to operate a vehicle on public roads. Additionally, auto insurance helps protect you from potential financial burdens resulting from accidents or damages to your vehicle.
What are the minimum auto insurance requirements in Beaumont, TX?
In Beaumont, TX, the minimum auto insurance requirements mandated by law are as follows:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Are there any additional coverages recommended for auto insurance in Beaumont, TX?
While the minimum coverage satisfies the legal requirements, it is often recommended to consider additional coverages for better protection. Some of the recommended coverages in Beaumont, TX, include:
- Collision coverage: Covers damages to your vehicle caused by collisions with other vehicles or objects.
- Comprehensive coverage: Covers damages to your vehicle caused by events other than collisions, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who has little or no insurance coverage.
- Personal injury protection (PIP): Provides coverage for medical expenses and lost wages for you and your passengers, regardless of who is at fault in an accident.
How can I find affordable auto insurance in Beaumont, TX?
To find affordable auto insurance in Beaumont, TX, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Bundle policies: Inquire if the insurance company offers discounts for bundling auto insurance with other policies, such as homeowners or renters insurance.
- Maintain a good driving record: A clean driving record may make you eligible for lower premiums.
- Increase deductibles: Opting for higher deductibles can lower your premium, but ensure you can comfortably afford the deductible amount if you need to make a claim.
- Inquire about discounts: Ask the insurance company about any available discounts, such as safe driver discounts, good student discounts, or discounts for certain safety features in your vehicle.
What should I do after an accident in Beaumont, TX?
After an accident in Beaumont, TX, follow these steps:
- Stay at the scene: It’s crucial to remain at the accident scene, especially if there are injuries or significant damage. Leaving the scene of an accident, particularly a hit-and-run, can have legal consequences. Ensure your safety and the safety of others involved. Call emergency services if necessary.
- Exchange information: Exchange contact and insurance information with the other party/parties involved in the accident.
- Document the scene: Take photos of the accident scene and any damages to vehicles.
- Notify your insurance company: Report the accident to your insurance provider as soon as possible.
- Seek medical attention: If you or anyone else involved in the accident requires medical attention, seek immediate care.
- Cooperate with authorities: Provide accurate and truthful information when dealing with law enforcement officers.
Can I purchase auto insurance online in Beaumont, TX?
Yes, you can purchase auto insurance online in Beaumont, TX. Many insurance providers offer online platforms where you can obtain quotes, customize your coverage, and purchase a policy. It’s a convenient and time-saving option, allowing you to compare prices and options from the comfort of your home.
What factors can affect my auto insurance premium in Beaumont, TX?
Several factors can affect your auto insurance premium in Beaumont, TX. These may include:
- Driving record: A history of accidents or traffic violations can increase your premium.
- Vehicle type: The make, model, and year of your vehicle can impact the premium.
- Coverage and deductibles: The level of coverage you choose and the deductibles you select can influence your premium.
- Location: Where you live in Beaumont, TX, can affect the premium due to factors such as crime rates and the frequency of accidents in the area.
- Age and gender: Younger drivers and male drivers tend to have higher premiums.
- Credit history: In some states, including Texas, insurance companies may consider your credit history when determining premiums.
Remember that each insurance company may have its own specific criteria and algorithms for calculating premiums.
How often should I review my auto insurance policy in Beaumont, TX?
It’s advisable to review your auto insurance policy in Beaumont, TX, at least once a year or whenever you experience significant life changes. This includes buying a new vehicle, moving to a different location, or experiencing changes in your driving habits. Regularly reviewing your policy helps ensure your coverage aligns with your current needs and may help you identify opportunities to save on premiums or add necessary additional coverage.
Are there any specific factors related to Beaumont, TX, that may affect auto insurance rates?
Yes, there are specific factors related to Beaumont, TX, that may affect auto insurance rates. Some of these factors include:
- Weather conditions: Beaumont, TX, is prone to severe weather events such as hurricanes, heavy rain, and flooding. Insurance companies may take these factors into account when determining premiums, as they can increase the risk of accidents or vehicle damage.
- Traffic congestion: Beaumont is a city with busy roadways, and traffic congestion can contribute to a higher risk of accidents. Insurance companies may consider the level of traffic in the area when calculating premiums.
- Crime rates: Like any urban area, Beaumont has its own crime rates. Higher rates of auto theft or vandalism in certain neighborhoods can impact insurance rates for residents in those areas.
- Local regulations and laws: Insurance rates can also be influenced by local regulations and laws specific to Beaumont or the state of Texas. These may include factors such as legal requirements, insurance market dynamics, or regulatory changes.
Can I get discounts on auto insurance in Beaumont, TX?
Yes, there are various discounts available for auto insurance in Beaumont, TX. Insurance providers often offer discounts to policyholders based on certain criteria. Some common discounts you can inquire about include:
- Safe driver discounts: If you have a clean driving record without any accidents or traffic violations, you may be eligible for a safe driver discount.
- Good student discounts: Students who maintain good grades in school may qualify for discounts on their auto insurance premiums.
- Multi-policy discounts: If you have multiple insurance policies with the same provider, such as auto and homeowners insurance, you may receive a discount for bundling them together.
- Vehicle safety features: Some insurance companies offer discounts for vehicles equipped with safety features such as anti-lock brakes, airbags, or anti-theft devices.
- Defensive driving courses: Completing a defensive driving course may make you eligible for a discount on your premium.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.