What You Should Know About Car Insurance in Beaumont, TX

Texas is known for its oil, and Beaumont has been in the hub of things since 1901 when Spindletop, the first significant oil field in the state, was discovered. In addition to the oil and petrochemical industries, the city is heavily involved in transport due to its location along the Gulf of Mexico, where the Port of Beaumont remains among the busiest ports in the U.S. The Neches River flows east of the Downtown, and Big Thicket National Preserve is located north of the city, providing endless natural resources that complement the city’s 38 local parks.

Lamar University is the pride of this city, with over 110,000 residents who enjoy weekly and monthly year-round events that unite the community. Experience the beauty, excitement, and historical architecture in Beaumont after contacting an expert InsureOne agent to ensure you have the best auto insurance at the best price in Texas.

How Much Does Car Insurance Cost in Beaumont, Texas?

The average price of full coverage car insurance in Texas is $2,019 yearly, only $5 more than the national average of $2,014. A minimum liability policy will cost you only $565 on average, which is significantly less than the national average of $622.

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What Does Full Coverage vs. Minimum Liability Mean?

The difference between these two policy types boils down to the level of protection you get. Although significantly cheaper, a minimum liability policy will only pay for property damages and injuries you cause to others — you would be responsible for repairing or replacing your own vehicle. A full coverage policy costs more but would help you pay for your own vehicle even when you cause an accident. It also offers you many more types of protection, such as from theft, natural disasters, and uninsured or underinsured drivers.

Affordable Car Insurance Rates Comparison by Cities in Texas

Your monthly premiums can vary based on your locale. Here is a table comparing monthly auto coverage rates between Beaumont and nearby municipalities.

City Full Coverage Insurance Liability Insurance Coverage
Beaumont $171 $52
Austin $167 $53
Port Arthur $174 $52
Bay City $158 $46
Lumberton $164 $48

How Bundling Your Car and Homeowners Insurance Can Save You Money in Beaumont

Many carriers offer other lines, such as motorcycle, business, and homeowners insurance, in addition to auto coverage. When you “bundle” more than one of these types of policies with the same insurer, they typically offer you better pricing. In addition to saving you money, bundling helps you streamline paying your bills since you would submit your monthly or yearly payments to a single vendor.

If you bundle your home and auto insurance with the same carrier, you could potentially save 25%. Since each insurance company offers different rate reductions for bundling, your InsureOne agent will research various insurers to get you the steepest discount possible. They will present you with personalized quotes, ensuring you obtain the best coverage available based on your and your family’s needs.

What Types of Car Insurance Discounts Are Available in Beaumont?

You can lower your insurance premium in a variety of ways, including by taking advantage of the many discounts insurers offer. Your InsureOne agent will be able to tell you which may apply to you, but here are some examples of what might be available:

  • Multi-car discount
  • Senior discount
  • Low-mileage discount
  • Student discount
  • Retention discount
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Notable Car Insurance Laws in Beaumont

Beaumont does not have its own insurance laws; the city is subject to regulations set forth by the state. Here are some of the Texas laws that help shape how much insurers charge you for a policy.

What Are the Mandatory Car Insurance Requirements in Beaumont?

Texas requires all drivers to get a minimum liability policy at the very least. The following are the minimum levels of coverage mandated by the state:

  • $30,000 liability coverage for bodily injury per person
  • $60,000 liability coverage for bodily injury per accident
  • $25,000 liability coverage for property damage

What Is the Penalty for Driving Without Insurance in Beaumont?

If you drive without insurance, you are exposing yourself to untold risk since there will be no insurer to help you cover damages should you cause an accident. In addition, you could get the following fines and penalties for driving without insurance in Texas.

  • $175 to $350 fine, possibly lower in cases of economic hardship
  • $350 to $1,000 fine for a second offense
  • A yearly insurance surcharge of $250 for three years
  • Possible license suspension
  • Possible vehicle impoundment

Do Beaumont-Specific Laws Play a Role in Determining Your Insurance Premiums?

Though some states are restrictive in terms of factors they allow insurers to use to determine premiums, Texas generally allows many factual and statistic-based details to be used. The following are some factors your insurer will use to figure out how much to charge you for a policy.

  • Vehicle segment: Based on statistics, an insurer may consider a sports car to be riskier than a minivan, which is typically a family car, and charge you more.
  • Gender: Texas law allows insurers to use data to determine which gender is more likely to cause a crash and price policies accordingly.
  • Amount of coverage: If you want a policy that offers a combination of full coverage and minimum liability, you can choose your protection level and pay based on your options.
  • Vehicle cost: Your insurer might have to help you repair or replace your vehicle at some point, so they may use the vehicle’s cost to help determine rates based on their risk.
  • Age: Young drivers are considered the most likely to cause an accident, and Texas insurers may use this data to calculate the cost of your policy.
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What Happens If I Damage Property in Texas?

If you get into an accident, the first thing you should do is make sure your vehicle is in a safe location. If not, pull the car over to the side of the road. Texas law requires you to report any crash where there is a fatality, bodily injury, or damage to the extent that the car cannot be driven off the road. Although the requirement is to contact the local police department, you can satisfy this by simply calling 911.

Upon arriving at the scene, an officer will write up a report of the incident after interviewing you and the other driver. When you get home, immediately contact your insurer. If you were at fault, they will instruct you on your obligations and let you know what your policy will cover. If the other driver was at fault, your insurer will guide you so you can recoup your losses from the other driver’s insurer.

With InsureOne, you are never alone. Our expert agents help you find the best auto insurance with customizable options that best meet your needs, and this includes getting you top-quality carriers that will help you with the next steps after you get into an accident.

Typical Driving Conditions in Beaumont

Beaumont is in a rainy region and occasionally experiences hurricanes and other natural disasters, which can lead to slippery or flooded roads, downed trees and wires, and major visibility issues. Interstate 10 runs through town and has its fair share of accidents, so make sure to be on the lookout for offensive drivers. Traffic does occur during typical morning and afternoon rush hours, but the city uses an adaptive signaling system for many of its traffic lights to keep cars moving as efficiently as possible.

How Many Car Accidents Happen in Beaumont Per Year?

The Texas Department of Transportation reports the following as total crashes in Austin and several nearby cities in 2023:

City Total Crashes
Beaumont 3,624
Austin 12,138
Port Arthur 1,564
Bay City 329
Lumberton 242

 

How Many Uninsured/Underinsured Motorists Are in Beaumont?

Research by the Texas DMV indicates that in 2022, as many as 20% of drivers in the state were uninsured. The Insurance Information Institute puts that number at 13.8%. Either way, there are many drivers on the road without proper coverage, so you may want to ask your agent about adding uninsured/underinsured driver coverage to your policy.

Get Covered by the Best Car Insurance in Beaumont, Texas Today

Driving in Beaumont is fairly safe, but the town experiences a significant number of accidents. InsureOne will help you obtain a policy that will protect you and your family financially in case you ever get into an accident.

We are a one-stop shop for all your coverage needs that offers top-tier services. Our agents work tirelessly for you, doing as much research as necessary to get you the best insurance at the best prices. Stop by one of our physical locations, call us at (800) 836-2240, or visit our website to get started.