Car Insurance in Beaumont
Beaumont is one of the most beautiful and diverse cities in all of Texas. But without the right car insurance in Beaumont, you will only be able to experience a fraction of what the city has to offer.
Maybe you’ll want to take some classes at prestigious Lamar University. Or you could soak in some culture at the Art Museum of Southeast Texas. If the weather is pretty enough, maybe you can catch a lovely view down at the port.
But to get to all of these places, you need a reliable car and reliable automobile insurance. Keep reading to discover everything you need to know about car insurance in Beaumont!
Quick Facts
- In 2019, there were 15 traffic-related fatalities in Beaumont.
- The average cost of car insurance is $122.35 per month.
How Much Does Car Insurance Cost in Beaumont?
Nobody wants to pay too much for their car insurance. But ask yourself: Do you have a good idea of how much everyone else is paying?
In Beaumont, the average cost of car insurance is $122.35 per month. This is a bit higher than the state average in Texas, which is $115.76 per month. But it is cheaper than the national average cost of car insurance, which is $134.04.
How does Beaumont stack up to the rest of the state? Below, we have a breakdown of the average car insurance cost in other major Texas cities.
| City | Average Monthly Cost |
|---|---|
| Austin | $113.48 |
| Beaumont | $122.35 |
| Dallas | $118.61 |
| El Paso | $107.00 |
| Houston | $137.63 |
| San Antonio | $118.79 |
Beaumont Car Insurance Rates by Zip Code
Obviously, moving to a different city in Texas can have a major impact on how much you pay for car insurance. But did you know this could happen even if you didn’t move very far at all?
Your insurance carrier looks at your zip code to help determine the cost of your car insurance premium. Below, we have a breakdown of the average car insurance rates by zip code in Beaumont:
| Zip Code | Average Monthly Cost |
|---|---|
| 77701 | $117.96 |
| 77702 | $136.31 |
| 77703 | $118.83 |
| 77704 | $107.58 |
| 77705 | $114.78 |
| 77706 | $132.24 |
| 77707 | $122.29 |
| 77708 | $127.45 |
| 77713 | $125.45 |
| 77725 | $104.15 |
Beaumont Car Insurance Rates by Age
Where you live isn’t the only factor in how much you pay for car insurance. Another major factor is your age!
How old you are plays a role in the cost of your car insurance. The good news is that you generally pay less as you get older. Below, we have a breakdown of the different average car insurance rates by age in Beaumont.
| Age Group | Average Monthly Rate |
|---|---|
| Teenagers | $287.64 |
| 20s | $151.33 |
| 30s | $112.46 |
| 40s | $109.44 |
| 50s | $94.66 |
| 60s | $87.51 |
| 70+ | $95.50 |
Driving Conditions in Beaumont
How much car insurance do you really need for driving around Beaumont, Texas? The answer to that depends on the answer to this additional question: What are the driving conditions like in the city?
The general driving conditions are good, though not great. For example, there are relatively few traffic-related fatalities each year. But the road infrastructure has faced challenges from extreme weather that road improvement projects cannot fully counteract.
How Many Fatal Accidents Happen in Beaumont?
In 2019, there were 15 traffic-related fatalities in Beaumont. This was a result of 15 different crashes.
How Are the Road Infrastructure and Bridges in Beaumont?
When it comes to the infrastructure in Beaumont, we have some good news and some bad news. The bad news is that, historically, the infrastructure has been relatively poor. But in recent years, some major projects have started improving the quality of the roads.
For example, U.S. 69 through Beaumont has often been very congested with traffic. But in 2018, the Texas Department of Transportation widened the road from four lanes to six lanes and added more merging lanes for additional convenience. Despite these much-needed improvements, extreme weather such as hurricanes often disrupts the infrastructure in unexpected and frustrating ways.
Get a Quote for Car Insurance in Texas Today!
Minimum Car Insurance Requirements in Beaumont
If you get in a wreck and don’t have enough insurance coverage, you may be left with some major bills to pay. But the more coverage you have, the higher your monthly premium. So you may find yourself asking: What is the minimum amount of car insurance you are legally required to have?
In Beaumont, the minimum insurance requirements are as follows:
- $30,000 for injury/death to one person
- $60,000 for injury/death to more than one person
- $25,000 for property damage
Remember, if you want the best possible protection for your car or truck, you will need more than just the minimum liability insurance!
Factors Allowed in Beaumont Car Insurance Rates
Previously, we detailed two of the factors that your car insurance company is allowed to consider when setting your premium: your age and your location. But what are the other factors?
Below, we have a full list of factors that insurance carriers in Texas are allowed to consider:
- Age
- Zip code
- Education & occupation
- Marital status
- Credit score
- Gender
If some of these factors change (for example, moving to a better area or improving your credit), letting your carrier know can help you get a lower premium!
Discounts for Car Insurance in Beaumont
If you want to save money on car insurance, you don’t have to move to do anything drastic. In fact, all you have to do is call your carrier and ask!
That’s because every insurance company has special discounts they offer to customers. Below, we have a partial list of common discounts available in Beaumont:
-
Good driver discounts
-
Customer loyalty discounts
-
Good student discounts
-
Safety features and anti-theft systems
Because you won’t know exactly what your carrier is offering until you contact them, we recommend you do so right away!
What Are the Penalties for Driving Without Insurance in Beaumont?
Driving without enough car insurance usually provides its own penalties. After all, you may be stuck with some major bills to pay. But what happens if you are caught driving without any insurance at all?
For the first offense, you may be charged a fine ranging from $175 to $350. For a second offense, the fine may range from $350 to $1,000. If you commit repeat offenses, these may also result in your license being suspended and your car being impounded.
Get a Quote for Car Insurance in Beaumont Today!
Now you know the most important details about Beaumont car insurance. But do you know where to find the best car insurance in the area?
Here at Freeway Insurance, we are always happy to help you get started with a quote online. If you’d rather visit in person, you can always come to one of our local offices. Or you can always call us at (800) 777-5620 for a quote today!