The best car insurance in Beaumont, TX

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Published November 2, 2021

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The average cost of full coverage car insurance in Beaumont is $1,529. This is significantly cheaper than the Texas state average, which comes in at $1,840.

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The best way to find the most affordable coverage is to compare policy options from a number of insurance companies. Policygenius can help you see quotes from top providers and choose the coverage that's right for you.

Key Takeaways

  • Texas Farm Bureau offers the lowest average rates in Beaumont, at $1,160 per year

  • The cheapest Beaumont ZIP code for insurance rates is 77713

  • The minimum requirements for Texas are $30,000 per person/$60,000 per accident in bodily injury liability and $25,000 in property damage liability.

Cheapest car insurance companies in Beaumont, TX

Car insurance companies use a number of different factors to determine insurance rates. Everything from your age and driving history to vehicle type and even your credit score is used in this calculation.

But each insurance company uses a different internal system to determine the risk and coverage options for individual drivers, so rates and coverage options can vary widely from company-to-company.

Company

Average cost

JD Power Rating

Texas Farm Bureau

$1,160

--

State Farm

$1,324

881

Germania Insurance

$1,350

--

GEICO

$1,599

871

USAA

$1,635

890

Cheapest car insurance rates by ZIP code in Beaumont, TX

Where you live within a given city can be one of the biggest factors in determining your rate. Some ZIP codes have higher rates of crime or traffic incidents. Some ZIP codes have fewer parking options, which can also factor into rates. 

The table below displays the average cost of car insurance in some of the ZIP codes in Beaumont, TX.

ZIP code

Average cost

77701

$1,999

77702

$1,987

77703

$1,994

77705

$1,988

77706

$1,967

77707

$1,954

77708

$1,983

77713

$1,942

Choosing the right car insurance company in Beaumont, TX

There are a number of factors to consider when shopping for car insurance. It's important to consider things other than just cost and coverage, you should look at discount and bundles options, as well as customer service ratings of any insurance company you are considering. 

If you're ready to start shopping, Policygenius can help you see quotes from top providers in your and choose the coverage that's right for you.

Car insurance rates for drivers with driving violations in Beaumont, TX

Driving history is also used when determining possible rates and coverage options. Car insurance companies usually look at the last 3 to 5 years of your driving history when calculating your rates. Drivers with violations or incidents within that time frame can expect to see higher rates.

Violation

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

USAA

At-fault Accident

$2,018

$1,606

$1,889

$2,604

$2,637

DUI

$5,188

$2,197

$3,257

$2,890

$2,610

Driving with a suspended license

$2,067

$1,901

$2,572

$2,890

$2,418

Driving with an open container

$5,188

$2,080

$1,450

$2,890

$1,964

Driving with expired registration

$1,268

$1,342

$1,450

$1,914

$1,964

Driving without Lights

$1,268

$1,342

$1,450

$1,914

$1,964

Failure to show documents

$1,268

$1,342

$1,450

$1,914

$1,964

Failure to stop at a red light

$1,268

$1,342

$1,450

$1,914

$1,964

Cheapest car insurance for drivers with bad credit in Beaumont, TX

There are only a few states that prohibit insurance companies from using credit score as a factor when determining insurance rates. Texas is not one of those states, so car insurance companies in Texas can and do use credit scores as one of many factors in setting prices. 

Drivers with low credit scores can expect to pay higher rates, but some companies are friendlier to drivers with poor credit than others.

Company

Rates for drivers with bad credit

Germania Insurance

$2,666

Auto Club Group

$2,736

State Farm

$2,762

Texas Farm Bureau

$2,900

Nationwide

$2,952

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Buying car insurance in Beaumont, TX

The minimum requirements for car insurance in the state of Texas are a 30/60/25 breakdown. This means Texas drivers are required to have an insurance policy that covers at least $30,000 per person and $60,000 per accident in bodily liability coverage, and a minimum of $25,000 in property damage liability coverage. 

Texas does not require drivers to have additional coverage like uninsured/underinsured motorist coverage. These additional coverages may be necessary, but they are not mandatory.

Additionally, Texas is an at-fault state. That means the insurance company of the driver responsible for an accident will pay for the damage and injuries for all parties.

How to get cheap car insurance in Beaumont, TX

There are ways to make car insurance cheaper and more affordable without losing coverage.

  • Ask about discounts or bundles: Many insurance companies offer discounts or bundles for clients. These discounts can help offset some of the expense.

  • Improve your credit score: Taking steps to improve low credit scores can lead to major savings.

  • Raise your deductible: Increasing your insurance deductible can decrease rates significantly. 

Frequently asked questions

Is Texas the most expensive state for car insurance?

The average cost of full coverage car insurance in Texas ranks near the middle when compared to average rates nationwide. There are states that are both more expensive and more affordable.

Which ZIP code in Beaumont, TX has the highest average insurance rate?

77701 is the Beaumont ZIP code that has the highest average car insurance rates. These averages are determined using a number of area factors.

Are there other factors used to determine car insurance rates?

Gender can be used as a factor when determining car insurance rates, but you cannot be denied coverage based on your gender. Marital status, past claims, lapses in coverage and whether or not you own your home can also factor into your rates.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.