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Cheap Car Insurance in Beeville, TX

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Everything You Need to Know About Auto Insurance in Texas

Beeville stands as a historical Texan gem with over 160 years of rich heritage. The city was founded in 1858 and more than 13,000 residents call this 6-square-mile city home today. Beeville is known for its cultural events and local attractions, like the Beeville Art Museum and the historical McClanahan House.

The renowned country music singer and songwriter, George Strait, was one of Beeville’s most well-known residents. Strait didn’t live in Beeville permanently, but he spent significant time in the area during his early years. Straight claimed, “Beeville holds memories of my roots, shaping my appreciation for the unique Texan spirit that resonates through its communities,”

All drivers in Beeville must meet state-mandated coverage requirements. Continue on to explore more about car insurance in Texas, including the average monthly rates based on age and zip code.

How Much Does Car Insurance Cost in Beeville, Texas?

The average annual auto premium for state required minimum liability insurance in Beeville is $612. These costs are $47 more than the state average of $565 and $132 less than the national average of $744.

For full auto coverage, Beeville residents pay about $1,776 per year, which is $243 less than the state average of $2,019 and $768 less than the national average of $2,544.

Reasons Why Insurance is Cheap in Texas?

There are a variety of factors that influence car insurance quotes and prices in Texas. First, there is a large amount of land mass and low population density in certain areas. Fewer people in bigger areas may result in fewer accidents and claims, which means there is less overall risk for insurers, so premiums are lower. Overall, Texas has lower rates than the rest of the nation.

Another reason insurance is cheaper in Texas is that the state implemented legal reforms, such as tort reform, that can reduce litigation costs (and thus insurance prices). In addition, the insurance industry in Texas is competitive and insurers need to have pricing that keeps them current.

On the flip side, there are risks – like severe weather events like hurricanes and floods – that can contribute to higher prices in some areas of the state. The conditions of different locations determine insurance pricing, but as a whole, Texas is one of the more affordable states for auto policies.

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Affordable Car Insurance Rates Comparison by Cities in Texas

This chart shows the monthly coverage costs for Beeville residents compared to other cities in Texas.

City Full Coverage Insurance Liability Insurance Coverage
Beeville $148 $51
Jefferson $161 $52
New London $159 $54
Paris $151 $50
Denton $154 $57

Affordable Beeville Car Insurance Rates by Zip Code

There are a few characteristics that insurers use to decide how much you’ll pay in premiums, including where you live. If you are based in a high-risk urban area with frequent traffic and accidents, you’ll likely have to pay more than someone who lives in the suburbs or a rural area.

Beeville only has two zip codes, and residents pay about the same for their policies: $148 for full coverage and $51 for state-required liability.

Low-Cost Car Insurance Rates by Age in Beeville

Your age also determines how much your policy costs. Premiums for teenagers will be higher because they have less experience behind the wheel and are more expensive to insure than adults over 30 years old.

The chart below contains the average monthly prices for Beeville motorists based on age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $484 $182
20s $211 $72
30s $142 $49
40s $137 $49
50s $126 $46
60s $135 $52
70s $144 $57

Our city and zip code average rates are based on the following methodology: male, age 30, lowest possible legal coverage allowed by Texas. In addition to age, your rates will be determined by several other factors, including your gender and the type of coverage you want to purchase.

Driving Conditions in Beeville

How Many Fatal Accidents Happen in Beeville?

According to the National Highway Traffic Safety Administration, Beeville has very low averages for the number of fatal crashes every year. NHTSA statistics show that between 2011 and 2021, there was only one fatality, which happened in 2017.

How Are the Road Infrastructure and Bridges in Beeville?

The city of Beeville has a Street Services Division to oversee and local road care, like milling, paving, plowing, roadside sweeping, repairs, and post-storm cleanup. This governmental entity also addresses streetscapes, roads, and sidewalks. Texas’ Department of Transportation manages major highways and bridges.

Minimum Car Insurance Requirements in Beeville

Texas law determines the minimum liability requirements for Beeville and other cities and towns across the state. Basic liability in Texas must have:

What Are the Penalties for Driving Without Insurance in Beeville, Texas?

Texas motorists are subject to penalties under state law for operating a car without an insurance policy. If you’re pulled over and don’t have documentation of your plan, the state views this as evidence that you failed to maintain coverage, which is a class C misdemeanor.

For your first offense, you can receive up to $350 in fines, and up to $1,000 for each subsequent offense. If you have several offenses, your vehicle can be impounded, your license and registration suspended, and you can spend up to six months in jail if you’re uninsured.

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Factors Allowed in Beeville Car Insurance Rates

Insurance companies look at a few other qualities when they calculate your premium besides your age, and location, including:

  • Your driving frequency
  • Your education level
  • If you are single, divorced, or widowed, insurance providers may charge you different rates
  • Your driving record
  • Your deductible and coverage amounts

Insurance That Helps You Prepare for the Future

Insurance functions as a backup during life’s uncertainties with a safety net and financial protection. In the context of auto insurance in Texas, there are benefits that extend beyond immediate protection. In Texas, you want a plan that ensures that you can cover medical expenses, property damage, and other losses for which you are deemed responsible.

You’re legally required to have valid insurance that is in compliance with Texas state laws so you avoid penalties and legal consequences. Thus, your policy is an investment that gives you peace of mind and financial stability when you need it most.

Next, despite mandatory requirements, not all Texans on the road carry adequate coverage. Your policy can include protection for situations where you’re involved in an accident with an uninsured or underinsured driver, which gives you additional protection for your financial well-being.

What Are the Best Discounts for Car Insurance in Beeville, TX?

Car insurance discounts can help you save money, especially if you qualify for more than one of them. Some of the most common auto discounts among Beeville motorists include:

Bundling your policies with the same insurer can also help you save. For example, adding renters or homeowners insurance to your auto policy can reduce your overall bill by as much as 25%.


Get an Online Quote for Car Insurance in Beeville Today!

The Bee County Courthouse in Beeville, cheap car insurance in Texas.

All motorists in Beeville must have proof of car insurance that meets Texas’s minimum liability mandate, and Freeway Insurance has a variety of affordable plan options that meet these laws.

Get a Freeway quote online, visit us at a Texas office near you, or call Freeway’s toll-free phone line.