According to the Texas Department of Transportation data, there were4,150 car accidentsIn Beaumont, there were 20 deaths in 2018. Beaumont drivers must have minimum car insurance if they drive a registered vehicle.According to Bankrate’s 2021 study on annual premiums, Beaumont has an average car insurance cost of $1,968 for full coverage and $631 for minimal coverage.
Finding the best car insurance in Texas for your needs can be challenging. Bankrate has compiled a list of top Beaumont car insurance companies to make it easier. These providers were evaluated based on their average premiums, coverage options and customer service.
Beaumont’s best car insurance companies
Below is a list of the top Beaumont car insurance companies. These companies offer lower-than-average rates, generous discount and a wide range of coverage options. J.D. also rates them highly for customer satisfaction and satisfaction with claims. Power’s 2021 Auto Insurance Study.
USAA
USAA is well-known for its friendly agents, exceptional customer service and affordable premiums. To purchase a USAA policy, you must be a member of the military, active duty or retired.
USAA claims that policyholders can save more than $700 by switching to 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.
Geico
Geico is highly regarded for its customer service and low rates. Geico Beaumont is the lowest-priced overall provider, with the average full coverage policy costing $1,382 per annum and the average minimum coverage policy costing $457 per annum.
Geico’s auto insurance coverage is very basic with just a few endorsements. 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.
All over the country
Beaumont drivers looking to customize their policies can choose Nationwide. 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.
Nationwide offers great rates and discounts. These include savings for taking a defensive driving course, being an excellent student, being non-accidental, bundling your policies, and being good students. Nationwide offers a Vanishing Deductible and SmartRide, a safe driver rewards program.
MetLife
MetLife offers comprehensive coverage at a very affordable 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.
MetLife offers discounts for safe drivers, automatic payments, bundling auto and home insurance policies, and enrolling in automatic payment. MetLife offers discounts to certain employers and membership organizations.
Beaumont has the lowest car insurance
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.
Each car insurance company has a different insurance rate. Some providers are more expensive than others. Below is a table that lists the lowest Beaumont car insurance rates from the most popular carriers, based on market share.
Not all cheap car insurance companies in Texas are created equal. USAA is a great option for those who want great coverage and great customer service. However, you have to be a member of the military to purchase a policy. Nationwide may be better for civilians, especially if they want to create a custom policy with endorsements.
Although these five providers offer great discounts, the savings options vary from one company to another. Geico, for example, is the only carrier that offers a discount to federal employees or military deployment. Geico, Mercury, Nationwide, and MetLife offer safe driver reward programs that are app-based.
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. This includes the following coverages.
- $30,000 per person in bodily injury coverage
- $60,000 per accident in bodily injury coverage
- $25,000 in property damage coverage per accident
The cheapest policy for car insurance is the minimum coverage. Drivers may be able to upgrade to higher coverage. A minimum coverage policy does not guarantee that you will be fully covered in the event of an accident at fault. And if you lease or finance your car, your lender might require you to have a full coverage policy.
Beaumont car insurance discounts
You can find insurance companies that offer multiple discounts if you are looking for a cheap Beaumont car insurance policy. These are the most popular Beaumont car insurance discounts:
- Claims-free discount:Drivers with no insurance claims in the past few years are eligible for a claim-free discount.
- Defensive driving course discount:Drivers who complete a defensive driving course approved by insurance companies are eligible for a reduced rate.
- Automatic payment discount:You can save money if you agree to make your monthly premium payments automatically.
- Get a full discount when you pay in fullDrivers who pay their annual premium one-time rather than monthly installments can often get a lower rate.
You can save money on auto insurance by looking at every discount offered by a provider to find out all you might be eligible for. If you are a good driver, you will get a discount on your premium.
Questions frequently asked
Which is the best auto insurance company?
Every driver is unique and each car insurance company has its own insurance requirements. Therefore, the best car insurance company varies. The best car insurance company offers you the coverage and price you are looking for at a cost that suits your budget.
What is the cost of Beaumont car insurance?
Beaumont’s average full coverage policy is $1,968/year, while the average minimum coverage policy is $631/year. You might pay more or less depending on your age, gender and credit score, as well as the type of vehicle that you drive. By providing basic vehicle information and your personal information, you can quickly compare and receive car insurance quotes online from multiple providers.
What is full coverage auto insurance?
Full coverage auto insurance is a combination insurance policies that provide more protection than the minimum when you’re behind the wheel. This coverage can include comprehensive, collision, medical payment, and uninsured coverage.