The heaviest traffic in Beaumont flows through Port Beaumont, one of the largest ports in the nation and one of the largest military seaports in the world. On land, the Beaumont region has one of the lowest levels of vehicle congestion among major US urban areas. However, demand on the region’s traffic infrastructure has been increasing since 2000, when Beaumont had the lowest level of congestion in the nation.
If you are driving in the large industrial sector of the Texas Golden Triangle of Beaumont and neighboring cities Orange and Port Arthur, it may be time to update your automobile coverage. An independent agent in the Trusted Choice® network can find the right coverage and rates to match your needs. These agents work independently of any one insurer, which means a local member agent can help you compare several Beaumont, TX car insurance quotes. Contact a member agent for personal assistance today.
Texas Car Insurance Costs:
- National average cost per year: $1,311
- Texas average cost per year: $1,449
- 17th most expensive premiums in the US
While Texas auto policy rates are higher than the national average, making the effort to shop around will help you find more competitive insurance rates. An independent agent can help you find an insurance company with good Beaumont car insurance rates and plans for a vehicle owner with your driving habits.
Texas Car Insurance Requirements:
- Bodily injury liability: required
- Property damage liability: required
- Personal Injury Protection (PIP): not required
- Uninsured motorist: required
- Minimum liability limits: 30/60/25
- Coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual, and $25,000 coverage for property damage
Traffic congestion is modest but increasing in Beaumont. Higher traffic congestion often results in a corresponding increase in traffic accidents. Economic growth in Beaumont is creating a 10% to 30% increase in the demand for transport infrastructure.
If you drive your car in this city, you will need to carry the minimum liability insurance required by Texas state law. Failure to carry the required coverage in Texas carries penalties. First offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their vehicle, and license suspension.
Texas Uninsured Motorists:
- National uninsured motorists: 12.6%
- Texas uninsured motorists: 13.3%
- Average vehicle repair cost in Texas: $2,434
The state of Texas has a higher rate of uninsured motorists than the US as a whole. The new Texas Sure Program helps the police and other authorities enforce mandatory insurance laws. It is impossible to renew licenses, registrations, and safety inspections without proof of insurance. Police perform random checks to catch violators using the database to track insured versus uninsured drivers.
Uninsured motorist coverage isn't required in the state, but consider getting it included in your Beaumont auto insurance quotes. Then you'll be protected if you're in an accident caused by a driver without the proper insurance coverage. It will provide compensation for damages and bodily injury you sustain so that you don't have to pay out of pocket.
Number of Thefts in Texas
- National vehicle thefts (per 1,000 registered vehicles): 2.94
- Texas vehicle thefts (per 1,000 registered vehicles): 3.28
The National Insurance Crime Bureau ranks the Beaumont-Port Arthur metropolitan area 114th in its list of cities ranked by the rate of stolen cars. Overall, the state of Texas suffers from a higher rate of stolen vehicles when compared to other states.
To protect your vehicle from "other-than-collision" damages and theft, comprehensive auto insurance is a smart buy. This coverage will provide you with compensation (after you pay your deductible) if your car is damaged by severe weather, fire, flood, or vandalism/theft. It can be a smart purchase that can give you peace of mind when weather patterns or car theft inconvenience you. When you review Beaumont auto insurance quotes, make sure that you check to see how much different insurers charge for this coverage, as it might be great protection for your car.
Compare Beaumont Auto Insurance Quotes
Shopping for Beaumont car insurance can be a difficult task for many auto owners. An independent Trusted Choice member agent can comparison shop for you, so you can compare the most competitive quotes that meet your needs and budget. Find an agent in your area today to get Beaumont auto insurance quotes with ease.