Cheapest and Best Car Insurance in Beaumont, TX (June 2024)

In Beaumont, for minimum and full coverage, Texas Farm Bureau is the cheapest. State Farm is best for families with teen drivers. For customer service, Chubb leads. It also earned the best overall spot, offering a blend of cost efficiency and service quality. Selecting the best insurance ultimately relies on individual coverage needs and preferences.

Texas Farm Bureau offers the cheapest car insurance in Beaumont. This affordability can make a significant difference for budget-conscious drivers seeking minimum coverage policies. Here are the two most affordable options:

• Texas Farm Bureau: $397 per year
• Mercury: $492 per year

Dairyland's policy is the most expensive in Beaumont, costing $2,293 annually. The price difference of $1,896 between Dairyland and Texas Farm Bureau, underscores the importance of comparing car insurance rates to find the best deal.

For all cities in Texas, including Beaumont, state law sets the minimum required car insurance coverage:

• $30,000 bodily injury per person
  
• $60,000 bodily injury per accident
  
• $25,000 property damage liability per accident
  

If you have a minimum coverage policy and you're at fault in an accident that injures another driver, your policy will cover up to $30,000 for that person's injuries. If the total injuries for the accident exceed $60,000, any amount over that would be your financial responsibility.

Texas Farm Bureau offers the most affordable cheapest full coverage car insurance in Beaumont:

• Texas Farm Bureau: $827 per year
• State Farm: $1,077 per year

Dairyland has the most expensive full coverage policy in Beaumont, with an annual premium of $4,427, which is $3,600 more than Texas Farm Bureau. Make sure to compare full coverage policies, which are costly due to their comprehensive protection.

Comprehensive coverage in Beaumont raises the thresholds for liability insurance, providing $100,000 for each individual's bodily injuries, a cumulative $300,000 for all bodily injuries per incident and $100,000 for property damage for each incident. This is also known as a 100/300/100 plan.

Full coverage policies also include:

• Collision Insurance: This ensures coverage for your vehicle when it sustains damage due to hitting another car or object like a tree or light pole. It also covers rollover accidents and pothole damage.
• Comprehensive Insurance: This addresses costs of repairing your vehicle in situations excluding collisions, such as theft or damage from extreme weather conditions. It also covers being struck by an animal like a deer.

For a new vehicle, opting for a full coverage insurance plan is advisable to protect your financial expenditure. For a leased or loaned car, you are typically required to carry full coverage insurance. Meanwhile, owners of older vehicles might find that the supplementary cost, which could run to several hundred dollars, doesn't justify the additional protection.

When deciding on the appropriate level of car insurance, strike a balance between the more costly premiums that come with extensive coverage and the risk of being underinsured with lower coverage.

In Beaumont, Texas Farm Bureau is the least expensive option for drivers with a speeding ticket, at-fault accident or DUI when opting for full coverage insurance:

• Speeding ticket: Texas Farm Bureau ($827 per year)
• At-fault accident: State Farm ($1,341 per year)
• DUI: Texas Farm Bureau ($1,687 per year)

Dairyland has the most expensive rates for these three incidents. Different violations can significantly impact car insurance rates. With Texas Farm Bureau, the cost difference between a speeding ticket and a DUI is substantial: the annual premium after a DUI is $860 more than after a speeding ticket.

In Beaumont, as in many cities, insurance premiums escalate with the gravity of a driving offense — higher risk leads to higher rates. For example, drivers with a speeding ticket in Beaumont may face an average annual rate of $2,989, whereas those with a DUI could see rates soar to $3,729. Individuals with driving offenses should diligently compare insurance rates to potentially unlock significant savings on their car insurance premiums.

Nationwide offers the most affordable full coverage car insurance for male and female teens in Beaumont.

• Nationwide: $1,730 per year for female teens and $1,972 per year for male teens
• State Farm: $2,019 per year for female teens and $2,442 per year for male teens

These rates are for a policy covering a combination of two parents and a teenage driver. The most expensive teen family policy is provided by Allstate, with annual rates of $6,647 for female teens and $7,822 for male teens. This substantial difference — up to $5,092 for girls — shows the need to compare quotes to secure the cheapest car insurance for teens.

In Beaumont, as in other cities, teen drivers face significantly higher car insurance costs when purchasing an individual policy compared with being included in a family plan. The average individual annual premium for teens is approximately $7,661, markedly higher than the average family premium of $3,891. This rate discrepancy stems from insurers' risk assessment — teen drivers are statistically more likely to be involved in accidents, leading to more claims.

Consequently, insurance companies are often hesitant to approve individual policies for teens without a proven driving record. This makes their inclusion in a more comprehensive family policy, where the risk is balanced by more experienced drivers, more accessible and affordable.

Texas Farm Bureau offers the cheapest car insurance for military backgrounds in Beaumont.

• Texas Farm Bureau: $827 per year
• State Farm: $1,077 per year

USAA, with an annual premium of $1,116, ranks third in Beaumont. Although not the cheapest, USAA offers specialized service that caters to the unique needs of active duty military members, often making it a favorite among the military community.

In Beaumont, saving on car insurance requires rate comparison, which traditionally takes up to 15 minutes per company. Utilize MoneyGeek's car insurance calculator to expedite this process. Input your age, driving history, credit score and coverage preferences to receive an estimate tailored to the factors that determine car insurance rates in Beaumont.

Selecting the ideal auto insurance relies on your preferences for service quality, cost, coverage and other important factors. MoneyGeek has employed distinct scoring metrics for each category to identify Beaumont's leading providers:

• Best overall: Chubb (MoneyGeek score 89 out of 100)
• Best for service: Chubb (MoneyGeek score 92 out of 100)
• Best cheap: Chubb (MoneyGeek score 86 out of 100)

In Beaumont, Chubb stands out as the premier car insurance provider for overall value, service and affordability. It offers a balance of commendable service and reasonable rates. Those prioritizing exceptional customer care will also find Chubb's high service score indicative of its commitment. And Its competitive pricing positions it for budget-conscious consumers seeking reliable coverage without compromising service.

Chubb is the premier option for the best car insurance in Beaumont:

• Chubb: MoneyGeek score of 89 out of 100 ($2,040 per year)
• Foremost: MoneyGeek score of 75 out of 100 ($2,371 per year)

Chubb distinguishes itself with a blend of high satisfaction and affordability. It offers a full coverage policy that shines in a competitive market.

Chubb is the best option in Beaumont for consumers seeking top-notch car insurance in terms of customer service, regardless of rates. This determination is anchored in overall satisfaction, the efficacy of claims handling and the breadth of coverages available.

• Chubb: MoneyGeek score of 92 out of 100 ($2,040 per year)
• Foremost: MoneyGeek score of 77 out of 100 ($2,371 per year)

Chubb showed exceptional performance across all evaluated categories. Its high satisfaction and claims scores ensure customers receive quality service and reliable support.

Chubb is the best option in Beaumont for securing minimum coverage car insurance. While affordability is a key factor, the comprehensive score also takes into account aspects such as claims handling and overall customer satisfaction, ensuring you get quality coverage without breaking the bank.

• Chubb: MoneyGeek score of 86 out of 100 ($1,087 per year)
• Mercury: MoneyGeek score of 78 out of 100 ($492 per year)

Chubb’s balance between cost and service quality makes Chubb an excellent choice for a minimum coverage policy.

Drivers in Beaumont, Texas, pay an average car insurance cost of $1,812 per year. This premium is more than the overall Texas state average of $1,738, revealing that Beaumont residents pay an additional $74 annually. Furthermore, the Texas average exceeds the national average car insurance cost of $1,720 by $18, signifying a slight deviation between the statewide and nationwide insurance expenditures.

Location helps determine car insurance rates. The reason for the variance in insurance costs by location is attributable to differences in traffic congestion, accident rates, theft statistics and even weather patterns, which can affect risk assessment. Houston is the city with the most expensive premium at $2,113, while Wichita Falls stands as the cheapest, with an annual cost of $1,374. This discrepancy of $739 emphasizes the significance of location in influencing car insurance rates. In less populated non-city areas with reduced traffic density, insurance rates may descend even further.