Beaumont Car Insurance

The Zebra
May 30, 2018

Car Insurance in Beaumont

On average, premiums in Beaumont are 7% greater than Texas' average, so if you are insuring a vehicle in Beaumont, being knowledgeable about premiums is vital. Keep some money in your pocket by following the tips below about how to save on car insurance in Beaumont.

  • City Average: $1,932
  • State Average: $1,810
  • National Average: $1,427

Beaumont Car Insurance by Age

Teenage drivers have the biggest premiums of any age group. They have typical car insurance payments of $6,387 per year. The largest decrease in premiums for Beaumont drivers happens when they hit their 20s. Once out of the teenage age bracket, drivers save an average of 63% each year. Rates for drivers in Beaumont continue to drop through their 50s, but they can expect to pay more when they hit 60. At $1,649, drivers in their 50s have the smallest premiums among any age group. People in their 60s ($1,726) aren’t paying much more.

  • Teenagers: $6,387
  • 20s: $2,360
  • 30s: $1,902
  • 40s: $1,841
  • 50s: $1,649
  • 60s: $1,726
  • 70s: $2,157

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Beaumont Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Beaumont is determined by numerous considerations, including marital status and gender. Did you know that in your city marital status can actually change your premiums substantially? Being married, as opposed to single, can save you around $190 per year. Rates for those who are widowed are also way cheaper than rates for those who are single. The amount by which men's and women's car insurance premiums differ is minimal.

  • Female: $1,919
  • Male: $1,932
  • Single: $1,932
  • Married: $1,738
  • Divorced: $1,932
  • Widowed: $1,753

Beaumont Car Insurance by Credit Rating

Individuals with Very Poor credit (300-579) pay an average of more than twice as much each year for car insurance than those with Exceptional credit (800-850). The largest benefit of better credit occurs when rising from Very Poor (300-579) to Fair (580-669), by which drivers can save nearly $400 per year.

  • Very Poor: $3,391
  • Fair: $2,869
  • Good: $2,378
  • Very Good: $2,000
  • Exceptional: $1,600

Beaumont Car Insurance by Accident or Violation History

Possessing a clean driving record is important if you want to keep the cost of rates low. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. $974 is the amount by which you can expect your annual insurance premiums to rise in Beaumont if you have an at-fault accident on your driving record. Drivers with a DUI in Beaumont have rates 42% higher than the city average ($1,932). Reckless driving will push your premiums up as well, with average rates of $2,676. That is 39% higher than the city average.

  • DUI: $2,747
  • Reckless Driving: $2,676
  • At-fault Accident (damages less than $1000): $2,906
  • At-fault Accident (damages greater than $2000): $2,906
  • Speeding Ticket (16-20 mph over speed limit): $2,018