Get Car Insurance Quotes for Beaumont – Port Arthur
Beaumont TX is near many cities such as Port Arthur, Port Neches, Groves, Bridge City, Nederland, Orange, Jasper and other smaller areas that make up Southeast Texas also known as the Golden Triangle. When it comes to buying car insurance in Beaumont, TX and the surrounding areas it’s important to make an informed decision to ensure you have the right coverage for your needs at an affordable rate. We can help you compare local and national insurance providers and get the best car insurance policy quotes.
Average Car Insurance Rates for Beaumont
The average cost for car insurance in Beaumont for state minimum coverage is around $75 per month or $900 yearly. If you were looking for a full coverage policy you can expect to pay around $120 a month or $1,440 a year. Car insurance costs will vary depending on several factors, including your age, driving history, type of vehicle, coverage limits and other factors.
Here is a breakdown of policy rates from our 2023 updated insurance costs database for Southeast Texas area by county and car type:
| SETX Counties: | Car | SUV: | Sports: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Hardin | $1,349 | $1,156 | $1,288 | $1,347 | $1,418 |
| Jasper | $1,252 | $1,065 | $1,184 | $1,255 | $1,325 |
| Jefferson | $1,426 | $1,231 | $1,369 | $1,418 | $1,488 |
| Orange | $1,404 | $1,209 | $1,343 | $1,401 | $1,472 |
Cheapest Auto Insurance Providers in TX
The cheapest car insurance providers in Texas is USAA, Texas Farm Bureau, AAA and Progressive for the average middle-aged single person who drives a used 4 door car with a clean driving record.
Here is a breakdown from our cost database for yearly state minimum coverage and full coverage by insurance provider for a used vehicle:
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA | $568 | $1,910 |
| Texas Farm Bureau | $638 | $2,025 |
| AAA | $763 | $2,284 |
| Progressive | $782 | $2,472 |
| GEICO | $908 | $2,424 |
| State Farm | $942 | $2,610 |
| All State | $1,292 | $2,750 |
New Car Insurance Rates
The average cost for auto insurance for a newer 2022 – 2023 vehicle on average will cost $738 for state minimum coverage and $2,656 for a full coverage policy. Below you’ll find a breakdown insurance providers for both coverage types on a new vehicle:
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Car Insurance Costs by Age in TX
Age is a significant factor that affects Beaumont area auto insurance rates. Generally, younger and older drivers tend to pay higher premiums compared to drivers in the middle age group. Here’s how age can influence car insurance costs:
- Young drivers (under 25): Statistically, young and inexperienced drivers are more likely to be involved in accidents. They are also prone to riskier driving behaviors, such as speeding or distracted driving. As a result, insurance companies consider them higher risk, and their premiums are typically more expensive.
- Middle-aged drivers (25-65): This age group is generally considered to be more experienced and responsible behind the wheel. They are statistically involved in fewer accidents and tend to have lower insurance premiums compared to younger and older drivers.
- Senior drivers (65 and older): As drivers get older, their risk profile may change due to factors such as declining vision, slower reflexes, and potential health issues. Insurance companies may increase premiums for older drivers to reflect these factors and the increased likelihood of accidents.
Here is a comparison of the amounts you can expect to pay based on age in Texas – as you can see young drivers will pay much more on premiums until there is a significant drop in costs at age 29. Your auto policy continues to get cheaper until age 65 when it slowly starts increasing as you age.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
How to Save Money on Car Insurance in Beaumont
There are quite a few ways to save money on an auto insurance policy in the Beaumont area. Many Southeast Texas drivers also own boats and houses. Insurance providers often offer a discount if you bundle your home, boat and auto insurance policy. There are also quite a few discounts given by providers for drivers who install upgraded anti-theft devices, are students, or complete defensive driving courses.
Minimum Car Insurance Requirements for TX
Beaumont falls under the Texas car insurance law requirements. Texas drivers must carry liability insurance that covers at least $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. It is important to meet these minimum requirements to legally drive in the Southeast Texas area.
How to Compare Auto Insurance Quotes
- Assess your insurance needs: Before purchasing car insurance, evaluate your requirements. You should consider factors such as the value of your vehicle, your budget, your driving habits, and any specific coverage you may need (e.g., comprehensive, collision, liability, uninsured motorist coverage).
- Research insurance providers: Look for reputable insurance companies whether they are local or national providers. We provide an easy way to compare multiple providers all in one place. You should also consider factors like their financial stability, customer service reputation, coverage options, and pricing. You can check online reviews and ratings to gather this type of information. However, we only work with reputable insurance providers in order to save you time and money.
- Understand coverage options: Familiarize yourself with the various coverage options available. The standard coverage types include liability coverage, which covers injuries and property damage to others, as well as comprehensive and collision coverage, which protect your own vehicle and will be needed if you’re paying off your vehicle. Determine the coverage limits and deductibles that suit your needs before comparing your quotes.
