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.

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.

#1 – State Farm: Top Overall Pick

Pros

• Tailored Flood Coverage: State Farm offers specialized flood insurance add-ons for Beaumont residents, addressing the city’s vulnerability to hurricanes and providing comprehensive protection for vehicles during severe weather events. Explore the other coverage options offered by the company, like roadside assistance on State Farm auto insurance review.
• Local Driver Education Discounts: The company partners with Beaumont driving schools to offer discounts to new drivers who complete approved courses, helping young residents access affordable insurance while improving road safety.
• Beaumont Business Owner Perks: State Farm provides bundled personal and commercial auto policies for Beaumont’s small business owners, offering streamlined coverage and potential savings for entrepreneurs using personal vehicles for work.

Cons

• Limited Rice Festival Coverage: Unlike some local insurers, State Farm doesn’t offer special event coverage for vehicles participating in Beaumont’s annual Rice Festival parade, potentially leaving classic car owners underinsured during this popular event.
• No Oil Industry Specialization: Despite Beaumont’s strong ties to the oil industry, State Farm lacks specialized coverage options for employees commuting to refineries or transporting sensitive materials, which may be a drawback for this significant demographic.

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#2 – Geico: Best for Competitive Pricing

Pros

• Spindletop-Inspired Safe Driver Rewards: Geico’s safe driver program in Beaumont offers increasing rewards, symbolically “striking oil” with better rates the longer you maintain a clean driving record, paying homage to the city’s oil boom history.
• Lamar University Student Discounts: The company offers substantial discounts to Lamar University students maintaining good grades, making it an attractive option for Beaumont’s large student population. Find in-depth information about good driver discounts by visiting Geico auto insurance review.
• Neches River Commuter Benefits: Geico provides special rates for Beaumont residents who regularly commute across the Neches River, acknowledging the unique traffic patterns and potential risks associated with bridge crossings.

Cons

• Limited Classic Car Coverage: Geico’s options for insuring classic cars are restricted, which may disappoint Beaumont’s automotive enthusiasts looking to protect their vintage vehicles often showcased at local events.
• No Port of Beaumont Worker Specialization: Unlike some local insurers, Geico doesn’t offer tailored policies for Port of Beaumont workers, missing out on coverage specifics that could benefit this significant employment sector.

#3 – USAA: Best for Excellent Service

Pros

• Beaumont Air Force Reserve Coverage: USAA offers specialized insurance options for members of the 433rd Airlift Wing based near Beaumont, including coverage during training exercises and deployments. Discover detailed SR22 insurance coverage insights on USAA auto insurance review.
• Hurricane Harvey Claim Expertise: The company has developed streamlined processes for handling flood-related claims based on experience from Hurricane Harvey, benefiting Beaumont residents in future severe weather events.
• Military Family Transition Assistance: USAA provides special rates and coverage flexibility for military families transitioning to civilian life in Beaumont, easing the insurance aspect of relocation to the area.

Cons

• Limited Access for Beaumont’s Civilian Population: USAA’s strict eligibility requirements exclude a large portion of Beaumont residents who aren’t affiliated with the military, limiting access to their competitive rates and specialized services.
• No Beaumont-Specific Rideshare Coverage: Unlike some competitors, USAA doesn’t offer tailored rideshare insurance for Beaumont’s growing gig economy drivers, leaving a gap for those using personal vehicles for ride-hailing services.

#4 – Progressive: Best for Strong Coverage

Pros

• Beaumont Port Worker Coverage: Progressive offers specialized insurance options for Port of Beaumont employees, including coverage for personal vehicles used on port premises and during irregular shift hours.
• Big Thicket Explorer Discount: The company provides a unique discount for Beaumont residents who frequently drive to the Big Thicket National Preserve, encouraging exploration of local nature while rewarding low-mileage drivers.
• Beaumont Art Museum Volunteer Benefits: Progressive offers special rates for volunteers at the Art Museum of Southeast Texas, supporting community engagement and recognizing the lower-risk driving patterns of these individuals. Read our Progressive auto insurance review to uncover extensive details of usage-based insurance.

Cons

• Higher Rates in Flood-Prone Areas: Progressive’s premiums can be significantly higher for residents in Beaumont’s more flood-prone neighborhoods, potentially making it less affordable for those in certain parts of the city.
• Limited Multi-Lingual Services: Despite Beaumont’s diverse population, Progressive offers limited multi-lingual support, which may create challenges for non-English speaking residents seeking insurance assistance.

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#5 – Allstate: Best for Wide Coverage

Pros

• Gladys City Boomtown Museum Partnership: Allstate offers discounts to members of the Gladys City Boomtown Museum, promoting local history while providing savings to Beaumont residents engaged in cultural activities.
• Beaumont Farmers Market Vendor Coverage: The company provides specialized coverage for local vendors who regularly transport goods to the Beaumont Farmers Market, protecting both vehicles and inventory. Delve into the specifics of comprehensive auto insurance through our detailed Allstate auto insurance review.
• Southeast Texas Entertainment District Benefits: Allstate offers unique coverage options for vehicles frequently parked in Beaumont’s entertainment districts, addressing concerns about vandalism and theft in these areas.

Cons

• Limited Coverage for Airboat Enthusiasts: Unlike some local insurers, Allstate doesn’t offer specialized coverage for Beaumont residents who use airboats for recreation in nearby bayous, leaving a gap for this niche but passionate group.
• No Beaumont-Specific Flood Prediction Tools: Allstate lacks advanced flood prediction tools tailored to Beaumont’s unique geography, potentially leaving customers less prepared for local environmental risks compared to some competitors.

#6 – Liberty Mutual: Best for Higher Premiums

Pros

• Beaumont Symphony Orchestra Supporter Perks: Liberty Mutual offers discounts to patrons and supporters of the Symphony of Southeast Texas, encouraging cultural engagement while providing insurance benefits.
• Julie Rogers Theatre Event Coverage: The company provides special event coverage for vehicles used during performances or events at the Julie Rogers Theatre, catering to Beaumont’s vibrant performing arts community.
• Beaumont Bike Share Program Benefits: Liberty Mutual offers unique coverage options and discounts for participants in Beaumont’s bike share programs, promoting eco-friendly transportation while addressing associated insurance needs. Get all the essential details about their RightTrack program on Liberty Mutual auto insurance review page.

Cons

• High Premiums in Historic Districts: Liberty Mutual’s rates tend to be higher for residents in Beaumont’s historic districts, potentially due to the increased repair costs associated with older homes and narrow streets.
• Limited Oil Refinery Commuter Options: The company lacks specialized coverage options for Beaumont residents commuting to nearby oil refineries, missing out on addressing the unique risks associated with this significant local industry.

#7 – Nationwide: Best for Various Discounts

Pros

• Beaumont Cattlemen’s Association Benefits: Nationwide offers tailored coverage for members of the Beaumont Cattlemen’s Association, including protection for vehicles used in ranching activities within Jefferson County. Visit Nationwide auto insurance review for a thorough examination of their vanishing deductible coverage to lower your premium.
• South Texas State Fair Exhibitor Insurance: The company provides specialized coverage for Beaumont residents exhibiting vehicles at the South Texas State Fair, protecting classic cars and farm equipment on display.
• Beaumont ISD Educator Discounts: Nationwide offers substantial discounts to employees of Beaumont Independent School District, supporting local educators with more affordable insurance options.

Cons

• Limited Coverage for Beaumont Water Parks: Unlike some local insurers, Nationwide doesn’t offer specialized coverage for vehicles parked at Beaumont’s water parks during the summer months, a potential concern for families frequently visiting these attractions.
• No Specific Policies for Beaumont’s Petrochemical Industry: Nationwide lacks tailored insurance options for Beaumont residents working in the petrochemical industry, missing out on addressing the unique risks associated with this significant local sector.

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#8 – Travelers: Best for Comprehensive Discounts

Pros

• Beaumont Hotel Industry Focus: Travelers offers specialized coverage for Beaumont’s hotel industry employees, including unique benefits for those using personal vehicles for work-related tasks in this key local sector. Access detailed information about Gap insurance in Travelers auto insurance review page.
• Jefferson Theatre Event Insurance: The company provides special event coverage for vehicles used during performances or events at the historic Jefferson Theatre, supporting Beaumont’s cultural heritage.
• Beaumont Drainage District Employee Benefits: Travelers offers tailored policies for employees of Beaumont’s Drainage District, acknowledging the unique risks associated with maintaining the city’s flood control infrastructure.

Cons

• Limited Options for Tyrrell Park Equestrians: Travelers lacks specialized coverage for Beaumont residents who regularly transport horses to Tyrrell Park Stables, a potential gap for the local equestrian community.
• No Specific Policies for Beaumont Port Authority: Unlike some local insurers, Travelers doesn’t offer tailored insurance options for Beaumont Port Authority employees, missing out on this significant local employment sector.

#9 – Safeco: Best for Driver Discounts

Pros

• Beaumont Railroad Museum Volunteer Perks: Safeco offers unique discounts for volunteers at the Beaumont Railroad Museum, supporting local history enthusiasts while providing insurance benefits. Our Safeco auto insurance review offers a deep dive into the specifics of the extra features they offer, like claims-free cash back.
• Southeast Texas Food Bank Driver Coverage: The company provides specialized coverage for volunteer drivers supporting the Southeast Texas Food Bank, addressing the unique needs of Beaumont’s community service sector.
• Beaumont Skate Park Enthusiast Protection: Safeco offers tailored coverage options for vehicles frequently parked at Beaumont’s skate parks, addressing concerns about vandalism and theft in these recreational areas.

Cons

• Limited Coverage for Neches River Boaters: Unlike some local insurers, Safeco doesn’t offer comprehensive coverage options for Beaumont residents who frequently transport boats to the Neches River, a popular local activity.
• No Beaumont-Specific Green Vehicle Discounts: Safeco lacks tailored discounts for eco-friendly vehicles in Beaumont, missing an opportunity to support the city’s efforts to reduce its carbon footprint.

#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 provides unique coverage options for vehicles frequently parked in the Crockett Street Entertainment District, addressing the specific risks of this popular Beaumont area.
• Beaumont Birding Trail Enthusiast Discounts: The Hartford offers special rates for Beaumont residents who frequently drive to local birding trails, encouraging nature tourism while rewarding low-risk driving patterns. Check out our complete analysis of discounts, like for new vehicles on our page, 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 population, including students and young professionals in the city.
• No Specific Policies for Beaumont’s Growing Tech Sector: Unlike some competitors, The Hartford lacks specialized coverage options for employees in Beaumont’s emerging technology sector, missing out on this growing demographic.

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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.

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:

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.

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.

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.

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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.

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.

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.

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 insurance costs in Beaumont. 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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