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

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.

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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.


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.

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

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

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

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

Savings on 2 Vehicles bundle:$440

Savings on 3 Vehicles bundle:$660

Savings on 4 Vehicles bundle:$880

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

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

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

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

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

My monthly car insurance payments are less than $50 per month. I get the coverage I need at a price that I can afford.
As far as I am aware USAA is very competitive with other insurance agencies in regard to coverage options. I know that I had a variety of options when I purchased the insurance for my vehicle.
The deductible is pretty low which is good because if anything happens to my car, its only about $250 out of my wallet.
My car insurance policy offerings are comparable, if not better than other insurance providers. I am very satisfied with the service I receive.
The Hartford
We've had not problems with them whatsoever and would recommend them especially if you have an AARP membership.
they are always prompt, professional and gets things done. I have so far felt like I can rely on them.
Farmer's Insurance
the major problem is getting help from them after an accident. They are slow to respond, and slow to act, but quick to threaten to cancel if you are even slightly late with a payment.
Liberty Mutual
I used a app to monitor my driving habits and because i do not do night driving work at home and very seldom leave my house i saved over 100 additional dollars a year. It was amazing to me how much my other company was making on me.
Liberty Mutual
I used a app to monitor my driving habits and because i do not do night driving work at home and very seldom leave my house i saved over 100 additional dollars a year. It was amazing to me how much my other company was making on me.
I really like the customer support of my company. They are easy to reach when needed, but their online claims software is so easy and useful that to I almost never need to talk to a representative.
ussa offerings seem to be up to par if not better than many of the other providers. I have had others and their rates are very competitive, if not the best.
Liberty Mutual
I have never had the need to contact the company, I have had no claims, As such I really can't answer this question . I do know they could contact me and review my policy
Liberty Mutual
What I like about this company is that it provides security and confidence to people
The Hartford
I chose this policy because the premium is the lowest for the same about of coverage. I have recently shopped around, and found this premium to be $30-$110 less a month than any other policy.
Geico has amazing customer service and actually cares about their customers unlike a lot of other insurance companies. They have really fair pricing I feel, they're extremely affordable.
I enjoy the customer support of my insurance company. They really know how to cater to someone's needs or concerns.
I would say the premium I am paying now for my full coverage is very similar to some of the other quotes I received. Other companies offer some perks and things that can reduce the deductible over time, but I would say they are still similar.
I like that the company is very accessible. I can reach someone through chat email or phone. Anytime I reach someone I am able to get a prompt answer and quick customer service.