Auto Insurance Quotes in Beaumont TX - [Mom Prepared] (2025)

Auto insurance is a necessary expense for many families, including mine. As a husband and wife raising children of various driving ages in Beaumont, Texas, we understand the importance of having the right coverage to protect our family and assets. When it comes to getting auto insurance quotes in Beaumont, TX, there are a few key factors to consider, such as the types of coverage available, the monthly payments for each vehicle, and how driving infractions can impact rates.

Our family owns four vehicles, each serving a different purpose and driven by various family members. The first vehicle is a 2015 Honda Accord, which is primarily used for commuting to work and running errands around town. We have full coverage on this vehicle, including liability, collision, and comprehensive coverage, with a monthly payment of $150.

The second vehicle is a 2010 Toyota Sienna minivan, which we use for family road trips and transporting our children to their various activities. We have liability and comprehensive coverage on this vehicle, with a monthly payment of $100.

The third vehicle is a 2005 Ford F-150 truck, which my husband uses for his construction business. We have liability coverage only on this vehicle, with a monthly payment of $75.

The fourth vehicle is a 2018 Chevrolet Equinox, which our oldest child drives to school and work. We have full coverage on this vehicle, including liability, collision, and comprehensive coverage, with a monthly payment of $200.

Having the right coverage for each vehicle is essential to protect our family and assets in the event of an accident or unexpected event. It’s important to review and update our coverage regularly to ensure we have adequate protection.

Unfortunately, our family has had a few driving infractions over the years that have impacted our auto insurance rates. Some of the infractions include speeding tickets, at-fault accidents, and DUI charges. Each infraction resulted in an increase in our auto insurance rates, with some infractions causing larger rate hikes than others.

For example, our oldest child received a speeding ticket last year, which resulted in a 10% increase in our auto insurance rates. My husband was involved in an at-fault accident a few years ago, which caused a 20% increase in our rates. These infractions serve as a reminder of the importance of safe driving and following traffic laws to avoid costly rate hikes.

When it comes to getting auto insurance quotes in Beaumont, TX, there are a few common questions that many families have. Here are 12 common questions about auto insurance in Beaumont, along with the answers:

1. What types of coverage are available in Beaumont, TX?

In Beaumont, TX, drivers can choose from a variety of coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection.

2. How much auto insurance coverage do I need in Texas?

The state of Texas requires drivers to carry a minimum of $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.

3. How can I lower my auto insurance rates in Beaumont, TX?

There are several ways to lower your auto insurance rates in Beaumont, TX, including bundling policies, taking defensive driving courses, maintaining a clean driving record, and driving a safe vehicle.

4. What factors affect my auto insurance rates in Beaumont, TX?

Several factors can affect your auto insurance rates in Beaumont, TX, including your driving record, age, gender, credit score, and the type of vehicle you drive.

5. How can I get auto insurance quotes in Beaumont, TX?

You can get auto insurance quotes in Beaumont, TX by contacting local insurance agents, comparing rates online, or using insurance comparison websites.

6. Do I need full coverage on my vehicle?

Whether you need full coverage on your vehicle depends on several factors, including the age and value of your vehicle, your financial situation, and your driving habits.

7. What is the average cost of auto insurance in Beaumont, TX?

The average cost of auto insurance in Beaumont, TX varies depending on several factors, but the average annual premium is around $1,200.

8. Can I add my teenage driver to my auto insurance policy?

Yes, you can add your teenage driver to your auto insurance policy, but it may result in a higher premium due to the increased risk of insuring a young driver.

9. What should I do if I’m involved in an accident in Beaumont, TX?

If you’re involved in an accident in Beaumont, TX, you should exchange insurance information with the other driver, document the scene of the accident, and contact your insurance company to file a claim.

10. Does my auto insurance cover rental cars?

Some auto insurance policies cover rental cars, but it’s important to check with your insurance company before renting a car to ensure you have the proper coverage.

11. What happens if I let my auto insurance policy lapse?

If you let your auto insurance policy lapse, you may face fines, license suspension, and higher insurance rates when you reinstate your policy.

12. Can I switch auto insurance companies in Beaumont, TX?

Yes, you can switch auto insurance companies in Beaumont, TX at any time, but it’s important to compare rates and coverage options before making a switch to ensure you’re getting the best deal.