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Home » Car insurance » Texas » Cheap Car Insurance Beaumont

Cheap Car Insurance in Beaumont

Lowest Premium

$394 / YEAR

Average Premium

$629 / YEAR

Highest Premium

$844 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Beaumont is around $629 and can go upto $844. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
GEICO$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Beaumont by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Beaumont. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
77701$616
77702$621
77703$631
77704$641
77707$606
77708$626
77713$617

Insurance Agents in Beaumont, TX and Near by

Agents by ZIP code:
  • 0 mi
    First Choice Insurance Services
    350 Pine St Ste 220, Beaumont, TX 77701
    (409) 861-2007
  • 0 mi
    Ann Truong
    360 S Mlk Pkwy Ste A, Beaumont, TX 77701
    (409) 813-3123
  • 0 mi
    Martha Kapparis
    425 N 4th St, Beaumont, TX 77701
    (409) 832-4600
  • 0 mi
    Don Heath
    2215 Calder St Ste 102, Beaumont, TX 77701
    (409) 833-5032
  • 0 mi
    Claudia Aguilar
    2949 College St Ste 130, Beaumont, TX 77701
    (409) 908-3030
  • 0 mi
    Robert E Cummings Insurance Agency
    755 S 11th St Ste 252, Beaumont, TX 77701
    (409) 212-8500
  • 0 mi
    Jewel Cole
    3725 Stagg Dr, Beaumont, TX 77701
    (409) 835-3935
  • 0 mi
    Amtex Insurance
    3784 College St, Beaumont, TX 77701
    (409) 813-3300
  • 0 mi
    Trevco Insurance
    2465 S 11th St, Beaumont, TX 77701
    (409) 833-7808
  • 0 mi
    Affordable Insurance of Texas
    6533 Broadway St Ste 1, Beaumont, TX 77701
    (409) 434-3940
  • 1.61 mi
    Donald Ray Wise
    2305 North St, Beaumont, TX 77702
    (409) 813-3919
  • 1.61 mi
    Alisa Manuel
    2311 Calder St, Beaumont, TX 77702
    (409) 832-4521
  • 1.61 mi
    TWFG Insurance Services - Robert Counts
    2508 Mcfaddin St, Beaumont, TX 77702
    (409) 924-0050
  • 1.61 mi
    Braud Vaughn & Williamson Insurance Agency
    2510 Broadway St, Beaumont, TX 77702
    (409) 833-8621
  • 1.61 mi
    David Galmor
    2626 Calder St Ste 103, Beaumont, TX 77702
    (409) 832-8101
  • 1.61 mi
    Neptune Insurance Agency
    2678 Calder St, Beaumont, TX 77702
    (409) 835-5900
  • 1.61 mi
    Belinh Tran
    51 N 11th St, Beaumont, TX 77702
    (409) 839-8600
  • 1.61 mi
    The Maida Insurance Agency
    3190 Liberty St, Beaumont, TX 77702
    (409) 835-2584
  • 1.61 mi
    Patricia De La Concha
    3175 Calder St, Beaumont, TX 77702
    (409) 838-2252
  • 1.61 mi
    Spindletop Insurance
    3130 North St, Beaumont, TX 77702
    (409) 554-0795
  • 12.11 mi
    David Rodriguez
    15931 Highway 124, Beaumont, TX 77705
    (409) 794-9000
  • 12.11 mi
    Charles Gibbs Agency
    1035 Washington Blvd, Beaumont, TX 77705
    (409) 833-8661
  • 12.11 mi
    Carlton Hatch Insurance
    5955 Ohio St Ste A, Beaumont, TX 77705
    (409) 842-3100
  • 12.11 mi
    Walter Kyles Jr Insurance Agency
    2875 Washington Blvd, Beaumont, TX 77705
    (409) 842-3444
  • 12.11 mi
    Lawrence Evans
    3355 Washington Blvd, Beaumont, TX 77705
    (409) 842-8300
  • 12.11 mi
    Dylan Williams
    785 W Cardinal Dr, Beaumont, TX 77705
    (409) 242-5840
  • 12.11 mi
    Texas Farm Bureau Insurance
    7495 Fannett Rd, Beaumont, TX 77705
    (409) 842-1325
  • 2.52 mi
    Michael C Howland
    Po Box 7265, Beaumont, TX 77726
    (409) 842-6171
  • 3.87 mi
    Layton Insurance Agency
    2620 N 11th St, Beaumont, TX 77703
    (409) 892-9511
  • 3.87 mi
    Gulf Coast Insurance Agency
    2860 Ih 10 E, Beaumont, TX 77703
    (409) 898-4444
  • 3.87 mi
    Leon Haynes
    4815 Concord Rd, Beaumont, TX 77703
    (409) 892-8818
  • 4.28 mi
    Phillip Mayeux
    1550 Cornerstone Ct, Beaumont, TX 77706
    (409) 899-3999
  • 4.28 mi
    Randon Rector
    1550 Cornerstone Ct, Beaumont, TX 77706
    (409) 893-0858
  • 4.28 mi
    Wade Billingsley
    1184 N Major Dr, Beaumont, TX 77706
    (409) 866-8319
  • 4.28 mi
    TWFG Insurance Services - Charles Cole
    8117 Gladys Ave Ste 102, Beaumont, TX 77706
    (409) 861-4288
  • 4.28 mi
    Ruben Lozoya
    8109 Gladys Ave Ste 102, Beaumont, TX 77706
    (409) 813-2000
  • 4.28 mi
    TWFG Insurance Services - Dana Tucker
    8350 Phelan Blvd Ste F, Beaumont, TX 77706
    (409) 767-8003
  • 4.28 mi
    TWFG Insurance Services - Shodi Jacobson
    6799 Eastex Fwy, Beaumont, TX 77706
    (409) 895-0316
  • 4.28 mi
    Anthony Arisco
    5960 Cole Rd, Beaumont, TX 77706
    (409) 896-2221
  • 4.28 mi
    Cole Gober
    3302 Mcfaddin St Ste 1, Beaumont, TX 77706
    (409) 212-8406
  • 4.28 mi
    BBVA Compass Insurance
    3535 Calder Ave Ste 220, Beaumont, TX 77706
    (409) 981-8011
  • 4.28 mi
    Christopher Thurston
    975 Ih 10 N # 100, Beaumont, TX 77706
    (409) 924-8901
  • 4.28 mi
    Donnie Garcia
    4485 Calder Ave, Beaumont, TX 77706
    (409) 895-0222
  • 4.28 mi
    Bill Genn III
    575 W Lucas Dr Ste 105, Beaumont, TX 77706
    (409) 835-6621
  • 4.28 mi
    Johnny Dishon
    575 W Lucas Dr Ste 105, Beaumont, TX 77706
    (409) 767-7045
  • 4.28 mi
    Krystal Tanner
    2855 Eastex Fwy Ste J, Beaumont, TX 77706
    (409) 242-1123
  • 4.28 mi
    Martha Sue Harris
    2 Acadiana Ct, Beaumont, TX 77706
    (409) 899-3333
  • 4.28 mi
    Jane Sexton
    2985 Eastex Fwy, Beaumont, TX 77706
    (409) 892-8867
  • 4.28 mi
    Jenny Evans
    3560 Delaware St Ste 1204, Beaumont, TX 77706
    (409) 833-2100
  • 4.28 mi
    Clark White
    3970 Delaware St Ste A, Beaumont, TX 77706
    (409) 899-4660
  • 4.28 mi
    Betty Leblanc
    5805 Phelan Blvd, Beaumont, TX 77706
    (409) 866-0905
  • 4.28 mi
    Stewart Kile
    5815 Phelan Blvd, Beaumont, TX 77706
    (409) 860-3633
  • 4.28 mi
    McFerrin Insurance
    5825 Phelan Blvd Ste 104, Beaumont, TX 77706
    (409) 860-4858
  • 4.28 mi
    Robert Louis Teate
    5970 Pinkstaff Ln, Beaumont, TX 77706
    (409) 893-1122
  • 4.28 mi
    Michael Wood
    6385 Calder Ave Ste C, Beaumont, TX 77706
    (409) 291-7575
  • 4.28 mi
    Charity Moore
    3720 W Lucas Dr, Beaumont, TX 77706
    (409) 899-1991
  • 4.28 mi
    David Mullenax
    6690 Calder Ave, Beaumont, TX 77706
    (409) 866-9603
  • 4.28 mi
    Manuel Mullenax
    150 Dowlen Rd, Beaumont, TX 77706
    (409) 866-1496
  • 4.28 mi
    George Richmond
    229 Dowlen Rd Ste 11b, Beaumont, TX 77706
    (409) 866-6778
  • 4.28 mi
    Freeway Insurance
    3865 W Lucas Dr Ste 100, Beaumont, TX 77706
    (409) 227-1897
  • 4.28 mi
    Daniel Duran
    4031 Eastex Fwy, Beaumont, TX 77706
    (409) 347-1414
  • 4.28 mi
    TWFG Insurance Services - Tara Arena
    6410 Wellington Pl Ste A, Beaumont, TX 77706
    (409) 554-0476
  • 4.28 mi
    Brittnee Barnes
    2604b Dowlen Rd, Beaumont, TX 77706
    (409) 866-2748
  • 4.28 mi
    Brandon Rose
    6870 Phelan Blvd, Beaumont, TX 77706
    (409) 892-9911
  • 4.28 mi
    Rocky Chapman
    4337 Crow Rd Ste A, Beaumont, TX 77706
    (409) 892-8230
  • 4.28 mi
    Mitchell Insurance Agency
    4749 Odom Rd Ste 102, Beaumont, TX 77706
    (409) 899-3602
  • 4.28 mi
    Gengler Insurance
    4310 Dowlen Rd Ste 15, Beaumont, TX 77706
    (409) 347-0553
  • 4.28 mi
    Burke Trail
    4106 Dowlen Rd Ste C, Beaumont, TX 77706
    (409) 554-0328
  • 4.44 mi
    Tracey Lumpkin
    3336 S Major Dr, Beaumont, TX 77707
    (409) 924-7700
  • 4.44 mi
    Dias Family Insurance Agency
    8085 College St, Beaumont, TX 77707
    (409) 866-3723
  • 4.44 mi
    Brent Walters
    7920 College St Ste A, Beaumont, TX 77707
    (409) 860-5858
  • 4.44 mi
    Wade Maclean
    85 Ih 10 N Ste 205, Beaumont, TX 77707
    (409) 212-8600
  • 4.44 mi
    TWFG Insurance Services - Joseph Vallot III
    275 N 18th St Ste B, Beaumont, TX 77707
    (409) 838-5579
  • 4.44 mi
    Lester Smith Insurance Agency
    440 N 18th St Ste 3, Beaumont, TX 77707
    (409) 833-2025
  • 4.44 mi
    Mega Tax & Insurance
    3350 Mcfaddin, Beaumont, TX 77707
    (409) 833-6000
  • 4.44 mi
    J S Edwards & Sherlock Insurance Agency
    4155 Phelan Blvd, Beaumont, TX 77707
    (409) 832-7736
  • 4.44 mi
    Brett Sticker
    1310 Ih 10 S Ste 103, Beaumont, TX 77707
    (409) 347-6210
  • 4.44 mi
    Joe Palermo
    4345 Phelan Blvd Ste 101, Beaumont, TX 77707
    (409) 838-2688
  • 4.44 mi
    Donald Dodge Insurance
    6550 College St, Beaumont, TX 77707
    (409) 866-4694
  • 6.08 mi
    TWFG Insurance Services - Brandon Richey
    7415 Eastex Plaza Dr Ste 3, Beaumont, TX 77708
    (281) 825-3441
  • 6.08 mi
    Brent Walters
    7620 Eastex Fwy, Beaumont, TX 77708
    (409) 899-1600
  • 6.08 mi
    Miller Insurance Agency
    7220 Eastex Fwy, Beaumont, TX 77708
    (409) 899-9531
  • 6.08 mi
    Lisa Martin
    5471 Hwy 105, Beaumont, TX 77708
    (409) 832-1122
  • 6.08 mi
    Scot Babineaux
    5455 Highway 105, Beaumont, TX 77708
    (409) 892-7107
  • 6.08 mi
    John Terry Bridgers
    6640 Eastex Fwy Ste 153, Beaumont, TX 77708
    (409) 835-7917
  • 6.08 mi
    K & D Insurance Group
    4940 Concord Rd, Beaumont, TX 77708
    (409) 898-8206
  • 6.08 mi
    Robert Gowan
    5090 Eastex Fwy, Beaumont, TX 77708
    (409) 504-7142
  • 6.08 mi
    TWFG Insurance Services - Betsy Henslee
    4852 Dowlen Rd, Beaumont, TX 77708
    (409) 866-3333
  • 6.08 mi
    Gabourel Insurance Agency
    6454 Concord Rd, Beaumont, TX 77708
    (409) 898-2693
  • 8.89 mi
    Robert Bobbitt
    8315 Highway 105, Beaumont, TX 77713
    (409) 899-9220
  • 8.89 mi
    April Tolbert
    1640 N Major Dr, Beaumont, TX 77713
    (409) 866-1233
View all agents ↓

Learn More About Car Insurance in Beaumont, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

References

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.