Find Car Insurance in Beeville, TX

What You Should Know About Car Insurance in Beeville, TX

You can catch a glimpse of old-time Texas when you visit Beeville. This small town of nearly 6.5 square miles has many early 1900s architectural structures both downtown and throughout the city. The yearly Western Week festivities unite this town’s more than 13,000 residents as it takes participants back in time with a parade, rodeo, carnival, and some good country music.

Amid the boot repair and hat-shaping demo events, Beeville has some impressive resources for a town its size, including a municipal airport and the main campus of Coastal Bend College. Drive through this tree-lined suburbia in peace after an expert InsureOne agent helps you obtain the best auto insurance at the best price in Texas.

How Much Does Car Insurance Cost in Beeville, Texas?

The Lone Star State has reasonable full coverage policy rates, costing an average of $2,019 per year, while the national average is $2,014. Minimum liability car insurance in Texas is very well priced, averaging $565 compared to the U.S. average of $622.

What Does It Mean If Texas Is an At-Fault State?

Texas is an at-fault state. This means that when there is an accident, the insurer of the party determined to have caused the accident will have to pay for the other party’s damaged property and, if they get hurt, bills resulting from their injuries. This is different from a no-fault state, where each party has to cover their own personal injuries, regardless of who caused the accident, and the at-fault party only has to cover property damages.

Affordable Car Insurance Rates Comparison by Cities in Texas

Insurers charge different amounts based on where you live. Below is a comparison of rates for Beeville and several other cities that are within driving distance.

City	Full Coverage Insurance	Liability Insurance Coverage
Beeville	$148	$41
Corpus Christi	$155	$50
Port Aransas	$153	$47
San Antonio	$162	$49
New Braunfels	$180	$50

What Types of Car Insurance Discounts Are Available in Beeville?

Much like bundling, insurers offer many ways to reduce the cost of your policy. Every carrier is different, so ask your InsureOne agent if these or other discounts can help lower your insurance premiums:

• Anti-theft discount
• Premium upfront discount
• Auto pay discount
• Loyalty discount
• Defensive driver discount

Notable Car Insurance Laws in Beeville

In the U.S., each state monitors insurers to ensure they offer adequate coverage and fair pricing. These are some of the Texas regulations that affect policies for the residents of Beeville and other municipalities in the state.

What Are the Mandatory Car Insurance Requirements in Beeville?

Texas has basic coverage requirements that insurers must offer their clients at a minimum. These are the mandatory coverage levels every driver in the state must obtain:

• $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 Beeville?

It is illegal to drive without insurance in Texas. If you get behind the wheel without a policy in place, you will be liable for any damages you cause and will be subject to the following if you are caught:

• $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 Beeville-Specific Laws Play a Role in Determining Your Insurance Premiums?

Your InsureOne agent will ask you many details about you and your vehicle and will look up your history before giving you a quote. Texas law allows your insurer to then use this information to influence your premium costs. Some of the factors they will use include the following.

• Theft rates: If you have the right coverage, your insurer will replace your car if it is stolen. Insurers may use theft stats in your area to help determine rates.
• Make and model: Every type of car costs a different amount to repair and replace due to price differences in parts and labor intensiveness, so carriers factor your make and model into their quote.
• Types of coverage: You can add 24/7 roadside assistance and a host of other options to your policy. The more you add, the more your insurer may charge you.
• Marital status: Statistics show that people who are married are less likely to cause an accident than single individuals. Texas law allows carriers to factor this stat into their quotes.
• Deductible amount: Insurers may lower your premiums if you choose a higher deductible and increase your premiums if you set a lower deductible.

Insurance That Helps You Prepare for the Future

Many people view their premiums as an expense, but it is essentially more of an investment. Without insurance, drivers would have to set aside funds in case they cause an accident without even knowing how much to save. A driver can cause a major crash on any given day. Nobody plans on causing one, but it can happen to anyone, whether in a distracted moment or due to another driver’s sloppy road habits.

Without an auto policy, you would not be secure, even if you have tens of thousands of dollars in the bank. With the right coverage, you can relax, knowing that should an unfortunate incident occur while you are behind the wheel, your insurer will pick up the tab. At InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your needs so you can save money for the important things to come in your and your family’s future.

How Many Car Accidents Happen in Beeville Per Year?

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

City	Total Crashes
Beeville	167
Corpus Christi	7,435
Port Aransas	98
San Antonio	40,077
New Braunfels	1,680

 

How Many Uninsured/Underinsured Motorists Are in Beeville?

As many as 20% of drivers in the state were uninsured in 2022, based on estimates by the Texas DMV. The Insurance Information Institute also has statistics through 2022 and reports that 13.8% were uninsured.