bestauto insuranceBeaumont2021
For a full coverage policy, the most affordable firms in Beaumont on average are:
The least expensive carrier is Farmers, with premiums that are 211.3% cheaper than the most expensive provider, The General. Drivers should shop around and compare prices to find the best car insurance in Beaumont.
Please note that these prices are for a 40-year-old male driver with a full coverage policy, which includes liability insurance to cover the cost of third-party damages and comprehensive and collision insurance to cover damages to your own vehicle.
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The average annual cost of car insurance in Beaumont is $1,305. This is 0.8% cheaper than the state average and 8.4% lower than the national average. Drivers should ideally shop for car insurance from multiple companies to find the best coverage and rates.
MoneyGeek ranked the best car insurers in Beaumont using a unique scoring system that assessed factors such as affordability, J.D. Power’s user satisfaction ratings and financial stability.
As per our data, the companies with the top scores are:
Disclaimer: USAA earned our top spot in Beaumont but it is available only to veterans, current military members and their families.
Drivers should ideally obtain quotes regularly to see if they qualify for discounts as their circumstances change. Car insurance rates vary based on factors such as age, location, marital status, car make and model, driving record and more. To find the best coverage at the cheapest rates, drivers should compare car insurance quotes in Beaumont.
The amount of coverage you opt for has a big impact on your car insurance cost in Beaumont. For the state’s minimum coverage level, you need to pay an average of $673 per year, while for 100/300/100 full coverage, the cost is $1,305, a difference of $633.
If you’re wondering what the 50/100/50 limits stand for, $50,000 is available for injuries per person, with $100,000 for total injuries per accident and $50,000 for property damage.
In Beaumont, Farmers’ rate for 50/100/50 liability-only coverage is an average of $473 per year. For 50/100/50 full coverage, the company charges $771. The higher cost is often worth paying as full coverage can give you higher liability limits and greater protection in an at-fault accident. To find affordable car insurance in Beaumont, you should shop around and compare rates from several providers.
Driving offenses are not only risky but can also increase car insurance costs. In Beaumont, a Farmers policyholder with no violations pays an average of $822 per year for their car insurance. A customer with a speeding ticket needs to pay $258 more per year for their coverage.
Other violations can be expensive too. Those with an at-fault accident pay roughly $350 more, while customers with a DUI need to shell out $396 extra per year on average compared to clean drivers.
Your ZIP code plays a role in car insurance costs too. Localities with high numbers of uninsured motorists, accidents, car thefts and other risk factors are more expensive to cover. In Beaumont, Texas, drivers in ZIP code 77706 pay an average of $40 less per year for car insurance than drivers in the neighboring 77705 ZIP code.
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Beaumont. How Beaumont ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
MoneyGeek’s average premium rates for Beaumont are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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