Best cheap car insurance in Beaumont for 2022
According to data from the Texas Department of Transportation, there were 4,150 car accidents in Beaumont in 2018, including 20 that were fatal. Drivers in Beaumont are required to carry a minimum amount of car insurance if they own a registered vehicle. The average cost of car insurance in Beaumont is $1,968 per year for full coverage and $631 per year for minimum coverage, according to Bankrate’s 2021 study of quoted annual premiums.
Finding the best car insurance in Texas for your needs can be challenging. To make the process easier, Bankrate put together a list of the best cheap car insurance companies in Beaumont. We evaluated these providers based on average premiums, coverage options, discounts, customer service and more.
Best car insurance companies in Beaumont
The table below includes the best car insurance companies in Beaumont. These providers offer below-average rates, generous discounts and a variety of coverage options. They also have good customer satisfaction and claims satisfaction ratings from J.D. Power’s 2021 Auto Insurance Study.
|Insurance company||J.D. Power score (Texas region)||Average annual premium for minimum coverage||Average annual premium for full coverage|
|USAA||*878 / 1,000||$445||$1,432|
|Geico||846 / 1,000||$457||$1,382|
|Nationwide||820 / 1,000||$546||$1,444|
*USAA is considered rank ineligible due to military-specific membership requirements.
USAA is a well-known insurance company for its excellent customer service, friendly agents, unique discounts and affordable premiums. But in order to purchase a policy from USAA, you must be affiliated with the military, either active duty or retired.
USAA states that its policyholders save over $700 on average when switching from another provider. The company offers various great discounts, including savings for claims-free drivers, smart students, driving under a certain annual mileage, insuring multiple vehicles and garaging your vehicle on a military base.
Learn more: USAA Insurance review
Not only is Geico highly rated for overall customer satisfaction, but the company is known for offering cheap policies. In Beaumont, the average full coverage policy from Geico costs $1,382 per year and the average minimum coverage policy costs $457 per year, making it the cheapest overall provider in the city.
Geico’s car insurance coverage is pretty basic, with only a few endorsements available. However, the company offers a long list of discounts, including savings for military personnel, emergency deployment, federal employees, good students and employer or membership groups.
Learn more: Geico Insurance review
Nationwide is a great car insurance company for Beaumont drivers who want to customize their policy. The company sells a variety of add-on policies, like accident forgiveness, roadside assistance and a total loss deductible waiver, which provide additional protection and peace of mind.
In addition to low rates, Nationwide has lots of great discounts, like savings for completing a defensive driving course, being a good student, being accident-free and bundling your policies. Nationwide also has a Vanishing Deductible program and a safe driver rewards program called SmartRide.
Learn more: Nationwide Insurance review
With a car insurance policy from MetLife, you can get comprehensive coverage for a low price. Drivers in Beaumont can customize their policy with new car replacement coverage, special parts replacement coverage, enhanced car rental damage coverage, replacement coverage for a total loss and more.
Some of the discounts available from MetLife include savings for being a safe driver, enrolling in automatic payments and bundling a home and auto insurance policy. MetLife also offers discounts for certain employers and membership associations.
Learn more: MetLife Insurance review
Cheapest car insurance in Beaumont
Car insurance in Beaumont is more expensive than the average annual rates in Texas, which is $1,823 for full coverage insurance and $524 for minimum coverage insurance. For comparison, the average cost of car insurance in the United States is $1,674 per year for a full coverage policy and $565 for a minimum coverage policy.
Every car insurance company charges a different rate for insurance, and some providers are more expensive than others. The table below includes the cheapest car insurance rates in Beaumont from the most popular carriers based on market share:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Not all cheap car insurance companies in Texas are created equal. For example, USAA receives great customer feedback and has great coverage, but you must be affiliated with the military in order to buy a policy. For civilians, Nationwide might be a better option, especially if you want to build a customized policy with endorsements.
These five providers offer good discounts, but the savings opportunities vary between companies. For example, Geico is the only carrier other than USAA that has a discount for federal employees and military deployment. Additionally, Geico, MetLife, Mercury and Nationwide offer app-based safe driver reward programs.
Beaumont insurance requirements
Before you find the cheapest car insurance in Texas, drivers in Beaumont are required to carry car insurance. Per Texas state law, drivers must carry at least 30/60/25 personal liability insurance. That includes the following coverages:
- $30,000 in bodily injury coverage per person
- $60,000 in bodily injury coverage per accident
- $25,000 in property damage coverage per accident
Minimum coverage car insurance can be the cheapest policy available. However, drivers may benefit from upgrading to greater coverage. There is no guarantee that a minimum coverage policy will cover your full financial responsibility in the event of an at-fault crash. And if you lease or finance your car, your lender might require you to have a full coverage policy.
Car insurance discounts in Beaumont
If you want to get a cheap car insurance policy in Beaumont, consider looking for insurance providers that offer multiple discounts you can take advantage of. Here are some of the most common car insurance discounts available in Beaumont:
- Claims-free discount: Drivers who have no insurance claims on their record within the last several years can usually get a claims-free discount.
- Defensive driving course discount: Many insurance companies will give drivers a lower rate if they complete an approved defensive driving course.
- Automatic payment discount: If you agree to pay your monthly premium using automatic payments, you can probably save some money on your policy.
- Pay in full discount: Drivers who pay their annual premium in one lump sum, rather than in monthly installments, can usually get a lower rate.
To save the most on your auto insurance policy, look into each discount a provider offers to see all the ones you could qualify for. For example, if you know you have a clean driving record, discounts for being claims-free tend to have a significant impact on your overall premium.
Frequently asked questions
What is the best car insurance company?
Every car insurance company is different and every driver has different insurance needs. Therefore, the best car insurance company varies. As a general rule, the best car insurance company for you offers the type and amount of coverage you need at a rate that fits your budget.
How much does car insurance in Beaumont cost?
In Beaumont, the average full coverage policy costs $1,968 per year and the average minimum coverage policy costs $631 per year. However, you might pay more or less than average based on factors like your age, gender, credit score and the type of vehicle you drive. You can receive and compare car insurance quotes from several providers online within minutes by providing some standard vehicle and personal information.
What is full coverage car insurance?
Full coverage auto insurance is a combination of specific insurance coverages designed to provide you with more than just the minimum required protection when you are behind the wheel. This can include types of car insurance coverage like comprehensive, collision, medical payments, uninsured and underinsured coverage.
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
Rates are determined based on 2020 Quadrant Information Services data.
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.