Beaumont, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Beaumont, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Ways to Lower the Cost of Auto Insurance in Beaumont, TX

The average cost of auto insurance in Beaumont, TX, is $1,467. This is lower than in most neighboring places such as Pine Forest, Rose City, Central Gardens, Lumberton, and Bevil Oaks. Residents of Beaumont should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Beaumont.

Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Beaumont, TX. As the table above indicates, the cost of auto insurance for a driver whose credit score is “exceptional” is as low as $1,259. This can go up to $2,393 if this score is “poor”.

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Beaumont, TX, post-DUI, increases to $2,284. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Beaumont. Other violations that can have a long-term impact on auto insurance in Beaumont include driving with an expired license and running a red light. The former leads to an increase of $989, while the latter leads to an increase of $342.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.

Anti-Theft Device:

Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower the cost of auto insurance. Savings from anti-theft devices can amount to $103, with a passive disabling device fetching the most amount of savings.

Multi-Car Insurance:

Car owners in Beaumont, TX, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Beaumont, TX, is $2,494, while it would cost $4,988 for four cars. The savings on multi-car insurance in Beaumont also depends on the make and model of the vehicle.

Deductibles:

Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Beaumont on a low deductible ($500) is $1,452. It decreases to $1,227 when the deductible is higher ($1,000).

Factors that can influence the cost of car insurance in Beaumont, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Beaumont, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Beaumont, TX with that of other cities in and around Beaumont.

	Beaumont	Pine Forest	Rose City	Central Gardens	Lumberton	Bevil Oaks
Average Insurance Rates	$1,467	$1,871	$1,860	$1,981	$1,942	$1,947

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Beaumont, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Beaumont, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Beaumont	$1,452	$1,227
Rose City	$1,230	$1,039
Rose Hill Acres	$1,374	$1,161
Bevil Oaks	$1,317	$1,113
Pine Forest	$1,236	$1,044
Central Gardens	$1,141	$964
Lumberton	$1,721	$1,454
Vidor	$1,458	$1,232

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Beaumont, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Beaumont, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$4,760
20 Years	$1,885
30 Years	$1,452
40 Years	$1,397
50 Years	$1,294
60 Years	$1,312
70 Years	$1,527

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Beaumont, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Beaumont, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,494	$440
3 Vehicles	$3,741	$660
4 Vehicles	$4,988	$880

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Beaumont, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Beaumont, TX.

Location	Average Insurance Cost	Post DUI Insurance Rate
Beaumont	$1,467	$2,284
Rose City	$1,860	$2,896
Rose Hill Acres	$1,920	$2,989
Bevil Oaks	$1,947	$3,031
Pine Forest	$1,871	$2,913
Central Gardens	$1,981	$3,084
Lumberton	$1,942	$3,023
Vidor	$1,868	$2,908

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Beaumont, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,259
Excellent (740-799)	$1,437
Good (670-739)	$1,529
Average (580-669)	$1,994
Poor (300-579)	$2,393

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Beaumont, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
[	L	u, m, k	i
Cole Gober	State Farm	3302 McFaddin St Ste 1, Beaumont, 77706-5038	409-212-8406
April Tolbert Csp	Farmers	5550 Eastex Fwy Ste J, Beaumont, 77708	(409) 866-1233
Joe Palermo	State Farm	4345 Phelan Blvd Ste 101, Beaumont, 77707-2157	409-838-2688
First Choice Insurance Services	None	2855 Eastex Fwy , Beaumont, 77706	None
Devon Rankin	Allstate	7102 Phelan Blvd Ste A, Beaumont, 77706	(409) 242-5840
Charles E. Gibbs Agency Inc	None	1035 Washington Blvd, Beaumont, 77705	None
Skarpa Insurance Agency	Travelers	539 Fm 1960, Dayton, 77535	None

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Beaumont, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$65	$1,532
Driver's Failure In Showing Documents	+$142	$1,609
Driving With An Expired Registration	+$151	$1,618
Driving At A Considerably Slow Pace	+$318	$1,785
Using A Cellphone While Driving	+$336	$1,803
Running A Red Light	+$342	$1,809
Speeding	+$359	$1,826
Driving A Vehicle Without The Required Permission	+$456	$1,923
Driving With An Expired/Suspended License	+$989	$2,456

Beaumont, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,408
Active Disabling Device	$1,408
Tracking Device	$1,379
Passive Disabling Device	$1,364

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Latest Auto Insurance Reviews in Beaumont, TX | Back to Top