Best Beaumont, Texas Auto Insurance in 2024 (Check Out the Top 10 Companies)

In Beaumont, you can secure the best Beaumont, Texas auto insurance rates with State Farm, Geico, and USAA, starting at $41 per month. Who are the reputable auto insurance companies? Don’t worry, Beaumont drivers, we’ve got you covered.

This article breaks down monthly rates from top insurers based on different driving records, including clean records, accidents, DUIs, and speeding violations.

Discover how these factors affect your premiums and get valuable tips on finding the best coverage for your needs.

Our Top 10 Company Picks: Best Beaumont, Texas Auto Insurance

Use this guide to make informed decisions and secure the best auto insurance in Beaumont. Explore your auto insurance options by entering your ZIP code into our free comparison tool above today.

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#1 – State Farm: Top Overall Pick

Pros

• Tailored Flood Coverage: State Farm offers flood insurance for Beaumont residents, protecting vehicles during hurricanes. Explore options like roadside assistance in the State Farm auto insurance review.
• Local Driver Education Discounts: The company partners with Beaumont driving schools to offer discounts to new drivers, helping young residents get affordable insurance and improve safety.
• Beaumont Business Owner Perks: State Farm offers bundled auto policies for Beaumont’s small business owners, providing streamlined coverage and potential savings.

Cons

• Limited Rice Festival Coverage: Unlike some local insurers, State Farm lacks special event coverage for Beaumont’s Rice Festival parade, potentially leaving classic car owners underinsured.
• No Oil Industry Specialization: Despite Beaumont’s oil industry ties, State Farm lacks coverage for employees commuting to refineries or transporting sensitive materials, which may be a drawback.

#2 – Geico: Best for Competitive Pricing

Pros

• Spindletop-Inspired Safe Driver Rewards: Geico’s Beaumont safe driver program offers rewards that increase with a clean record, paying homage to the city’s oil boom with better rates over time.
• Lamar University Student Discounts: The company offers discounts to Lamar University students with good grades, appealing to Beaumont’s students. Learn more in the Geico auto insurance review.
• Neches River Commuter Benefits: Geico offers special rates for Beaumont residents who commute across the Neches River, addressing unique traffic patterns and bridge risks.

Cons

• Limited Classic Car Coverage: Geico’s limited classic car insurance options may disappoint Beaumont’s automotive enthusiasts who showcase vintage vehicles at local events.
• No Port of Beaumont Worker Specialization: Unlike some local insurers, Geico lacks tailored policies for Port of Beaumont workers, missing coverage specifics that could benefit this sector.

#3 – USAA: Best for Excellent Service

Pros

• Beaumont Air Force Reserve Coverage: USAA offers specialized insurance for 433rd Airlift Wing members near Beaumont. Get SR22 coverage details in our USAA auto insurance review.
• Hurricane Harvey Claim Expertise: The company uses Hurricane Harvey experience to streamline flood claims, benefiting Beaumont residents in future severe weather.
• Military Family Transition Assistance: USAA offers special rates and flexible coverage for military families transitioning to civilian life in Beaumont, easing relocation insurance needs.

Cons

• Limited Access for Beaumont’s Civilian Population: USAA’s strict eligibility requirements exclude many Beaumont residents not affiliated with the military, limiting access to their rates and services.
• No Beaumont-Specific Rideshare Coverage: Unlike some competitors, USAA lacks tailored rideshare insurance for Beaumont’s gig economy drivers, leaving a gap for ride-hailing vehicle users.

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#4 – Progressive: Best for Strong Coverage

Pros

• Beaumont Port Worker Coverage: Progressive offers insurance for Port of Beaumont employees, covering personal vehicles used on port premises and during irregular shifts.
• Big Thicket Explorer Discount: The company offers a discount for Beaumont residents driving to Big Thicket National Preserve, rewarding low-mileage drivers and encouraging local exploration.
• Beaumont Art Museum Volunteer Benefits: Offers discounted rates for Art Museum volunteers due to their lower-risk driving. Read our Progressive auto insurance review for  usage-based insurance details.

Cons

• Higher Rates in Flood-Prone Areas: Progressive’s premiums may be higher in Beaumont’s flood-prone neighborhoods, making it less affordable for some residents.
• Limited Multi-Lingual Services: Despite Beaumont’s diversity, Progressive offers limited multilingual support, potentially challenging non-English speakers seeking insurance assistance.

#5 – Allstate: Best for Wide Coverage

Pros

• Gladys City Boomtown Museum Partnership: Allstate offers discounts to Gladys City Boomtown Museum members, providing savings to Beaumont residents involved in local history.
• Beaumont Farmers Market Vendor Coverage: The company covers vendors transporting goods to the Beaumont Farmers Market. Find details in our Allstate auto insurance review.
• Southeast Texas Entertainment District Benefits: Allstate offers coverage for vehicles frequently parked in Beaumont’s entertainment districts, addressing vandalism and theft concerns.

Cons

• Limited Coverage for Airboat Enthusiasts: Unlike some local insurers, Allstate lacks specialized coverage for Beaumont residents using airboats for bayou recreation, leaving a gap for this niche group.
• No Beaumont-Specific Flood Prediction Tools: Allstate lacks advanced flood prediction tools for Beaumont, potentially leaving customers less prepared for local risks.

#6 – Liberty Mutual: Best for Higher Premiums

Pros

• Beaumont Symphony Orchestra Supporter Perks: Liberty Mutual offers discounts to Symphony of Southeast Texas supporters, promoting cultural engagement and insurance benefits.
• Julie Rogers Theatre Event Coverage: The company offers special event coverage for vehicles used at Julie Rogers Theatre, serving Beaumont’s performing arts community.
• Beaumont Bike Share Program Benefits: Liberty Mutual offers discounts for Beaumont bike share users. Find details on their RightTrack program on the Liberty Mutual auto insurance review page.

Cons

• High Premiums in Historic Districts: Liberty Mutual’s rates are often higher for Beaumont’s historic districts, likely due to the increased repair costs of older homes and narrow streets.
• Limited Oil Refinery Commuter Options: The company lacks specialized coverage for Beaumont residents commuting to nearby oil refineries, overlooking the unique risks of this local industry.

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#7 – Nationwide: Best for Various Discounts

Pros

• Beaumont Cattlemen’s Association Benefits: Nationwide covers Beaumont Cattlemen’s Association members and ranch vehicles. See Nationwide auto insurance review for vanishing deductible details.
• South Texas State Fair Exhibitor Insurance: The company offers specialized coverage for Beaumont residents showcasing vehicles at the South Texas State Fair, including classic cars and farm equipment.
• Beaumont ISD Educator Discounts: Nationwide provides significant discounts to Beaumont Independent School District employees, offering more affordable insurance for local educators.

Cons

• Limited Coverage for Beaumont Water Parks: Nationwide doesn’t offer specialized coverage for vehicles at Beaumont’s water parks, which may concern frequent visitors.
• No Specific Policies for Beaumont’s Petrochemical Industry: Nationwide lacks tailored coverage for Beaumont residents in the petrochemical industry, missing the unique risks of this local sector.

#8 – Travelers: Best for Comprehensive Discounts

Pros

• Beaumont Hotel Industry Focus: Travelers provides specialized coverage for Beaumont’s hotel industry employees and their work vehicles. See details on Gap insurance on Travelers auto insurance review.
• Jefferson Theatre Event Insurance: The company offers special event coverage for vehicles used at the historic Jefferson Theatre, supporting Beaumont’s cultural heritage.
• Beaumont Drainage District Employee Benefits: Travelers offers tailored policies for Beaumont’s Drainage District employees, addressing the unique risks of flood control maintenance.

Cons

• Limited Options for Tyrrell Park Equestrians: Travelers lacks specialized coverage for Beaumont residents transporting horses to Tyrrell Park Stables, a potential gap for the equestrian community.
• No Specific Policies for Beaumont Port Authority: Unlike some local insurers, Travelers doesn’t offer tailored coverage for Beaumont Port Authority employees, missing a key local sector.

#9 – Safeco: Best for Driver Discounts

Pros

• Beaumont Railroad Museum Volunteer Perks: Safeco offers discounts for Beaumont Railroad Museum volunteers. Check our Safeco auto insurance review for details on features like claims-free cash back.
• Southeast Texas Food Bank Driver Coverage: The company offers specialized coverage for volunteer drivers supporting the Southeast Texas Food Bank, catering to Beaumont’s community service sector.
• Beaumont Skate Park Enthusiast Protection: Safeco provides tailored coverage for vehicles often parked at Beaumont’s skate parks, addressing concerns about vandalism and theft in these areas.

Cons

• Limited Coverage for Neches River Boaters: Safeco doesn’t offer comprehensive coverage for Beaumont residents who frequently transport boats to the Neches River.
• No Beaumont-Specific Green Vehicle Discounts: Safeco doesn’t offer discounts for eco-friendly vehicles in Beaumont, missing a chance to support the city’s carbon reduction efforts.

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#10 – The Hartford: Best for Senior Focus

Pros

• Beaumont Senior Center Shuttle Coverage: The Hartford offers specialized insurance for vehicles used in Beaumont’s senior center shuttle services, supporting mobility for the city’s older residents.
• Crockett Street Entertainment District Focus: The company offers specialized coverage for vehicles in Beaumont’s Crockett Street Entertainment District.
• Beaumont Birding Trail Enthusiast Discounts: The Hartford offers special rates for Beaumont residents driving to birding trails. See our full analysis on The Hartford auto insurance review.

Cons

• Limited Appeal for Younger Beaumont Drivers: The Hartford’s focus on AARP members means fewer tailored options for Beaumont’s younger residents, including students and young professionals.
• No Specific Policies for Beaumont’s Growing Tech Sector: The Hartford lacks specialized coverage for Beaumont’s tech sector employees, missing a growing demographic.

Best Low-Cost Auto Insurance Companies in Beaumont, TX

Check out our handy table that breaks down the monthly rates for minimum and full coverage auto insurance from the major companies in the area.

Beaumont, Texas Auto Insurance Monthly Rates by Provider & Coverage Level

With this information, you’re well-equipped to make an informed decision on your auto insurance needs in Beaumont, Texas.

Don’t forget to explore any additional discounts or benefits each insurer might offer to further reduce your costs. See the table below:

Beaumont, Texas Auto Insurance Discounts by Provider

With these discount options, finding the best auto insurance in Beaumont, Texas, becomes much easier. Be sure to check out the Progressive Snapshot review to see how you can benefit from usage-based savings.

Beaumont, TX Auto Insurance Report: Risk Factors and Claim Statistics

This table provides a clear breakdown of key factors affecting insurance rates. It highlights the moderate risk of vehicle theft and average claim size, offering insights into potential insurance costs.

Beaumont, Texas Report Card: Auto Insurance Premiums

Beaumont residents can assess traffic density and weather-related risks to understand their impact on premiums. The high rate of uninsured drivers is crucial for evaluating overall insurance affordability and coverage needs.

Read More: Worst States for Traffic-Related Fatalities

This data sheds light on Beaumont’s auto insurance landscape, revealing a high volume of accidents and claims, which may influence insurance premiums. The average claim size of $12,500 helps readers gauge potential costs in the event of an accident.

Beaumont, Texas Auto Accident & Insurance Claim Statistics

The 18% uninsured driver rate highlights the importance of comprehensive coverage. Additionally, the moderate traffic density and high weather-related incidents underscore the need for considering these factors when choosing an insurance policy.

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Credit History Affects Auto Insurance Choices in Beaumont, Texas

Based on your credit score, you can expect different auto insurance premiums in Beaumont. USAA provides the most affordable option for those with poor credit at $335, while State Farm offers competitive rates for good credit at $199.

Beaumont, Texas Full Coverage Auto Insurance Monthly Rates by Credit Score

This process involves looking at the different coverage options, premiums, and benefits offered by various providers, allowing you to assess which policy best meets your specific needs and budget.

Thus, by engaging in this comparison, you empower yourself to navigate the auto insurance landscape with greater confidence and clarity.

Read More: Does not paying your auto insurance affect credit?

Guide to Minimum Auto Insurance Coverage in Beaumont, TX

In Beaumont, Texas, the law says that every driver must have insurance. They must carry enough to cover injuries in an accident. If one person gets hurt, there must be at least $30,000 in coverage. If more than one person is hurt, the total must be $60,000.

Drivers also need to have insurance for damage to property, with a minimum of $25,000. This is meant to protect everyone on the road, ensuring that drivers can handle the costs if something goes wrong.

Read More: Best Property Damage Liability (PDL) Auto Insurance Companies

Elements That Impact Auto Insurance Pricing in Beaumont, TX

Auto insurance rates in Beaumont, Texas, vary due to factors like traffic and vehicle theft. The city recorded 410 auto thefts, leading to higher rates. Longer average commute times, like Beaumont’s 19 minutes, also increase costs. Beaumont ranks 748th worldwide for traffic congestion, further impacting insurance rates.

Age, Gender, and Marital Status in Beaumont Auto Insurance Rates

In Beaumont, Texas, monthly auto insurance rates vary widely based on age and marital status. USAA offers the lowest rates for married 35-year-olds at around $145 per month, while Progressive charges the highest for single 17-year-olds at over $1,000 monthly.

Beaumont, Texas Full Coverage Auto Insurance Monthly Rates by Age & Gender

Comparing rates for different demographics can help you find the best deal in Beaumont. If you’re wondering, “Does my spouse have to be on my auto insurance policy?” Always check with your provider for specific requirements.

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Beaumont, TX Auto Insurance Pricing and Driving History

Monthly auto insurance rates in Beaumont, Texas vary significantly based on your driving record. For instance, with a clean record, USAA offers the lowest rate at around $170 per month, while Allstate’s rate jumps to approximately $603 monthly after a DUI.

Beaumont, Texas Full Coverage Auto Insurance Monthly Rates by Driving Record

Now, do you have to declare speeding points on my insurance? Yes, it’s important to disclose all driving infractions to your insurer.

Understanding how accidents and violations impact your premiums can help you manage your auto insurance costs in Beaumont, TX. Always compare quotes from different providers to find the best rate for your situation.

If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool below to compare your rates against the top insurers.

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