120+ more*Quotes generated for Insurify users in and around Beaumont, Texas within the last 10 days. Last updated on March 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Beaumont, Texas within the last 10 days. Last updated on March 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Featured in
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves yoga and knitting.
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David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
State Farm offers the cheapest car insurance in Beaumont.
The average Beaumont car insurance quote is $174 per month, compared to $163 per month statewide.
Beaumont had 3,926 total traffic crashes in 2024, with higher fatality rates than similarly sized cities.[1]
Car insurance in Texas costs Beaumont drivers an average of $136 per month for state-minimum insurance coverage and $212 per month for full coverage. Most drivers use their cars for regular weekday commuting, but a lot of that driving is along I-10 and US 69, which are under major construction.[2]
Houston has higher average rates, at $220 per month, while nearby Huntsville averages $150 per month. Driving up the average cost of car insurance for Texans in Beaumont is its Gulf Coast location and its high crash fatality rate.
Car Insurance Costs in Beaumont vs. Texas | Average Monthly Quote |
|---|---|
| Beaumont average | $174 |
| Texas average | $163 |
State Farm offers the lowest average liability-only car insurance in Beaumont, at $62 per month.
If you’re looking for full coverage, State Farm has the most affordable car insurance quotes for Beaumont drivers, at an average of $108 per month.
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Beaumont sits at the junction of I-10 and US 69, two of the busiest routes in Southeast Texas.[3] For drivers in this coastal city, flooding is a real risk. The city has flood sensors, but monitoring water levels doesn’t prevent damage to vehicles in flood-prone areas during hurricane season.
Water damage can be expensive, and a high number of water damage claims can raise auto insurance rates for everybody in Beaumont.
Jefferson County, which includes Beaumont, has a 26% uninsured driver rate.[4] That’s an important consideration since Texas doesn’t require drivers to buy uninsured/underinsured motorist coverage. Still, it’s coverage you may want to add on when building your insurance policy.
Vehicle theft is a long-standing problem in Beaumont. The city had 323 vehicle thefts in the first half of 2025, a rate of 81 per 100,000 residents. For comparison, Texas had a rate of just eight vehicle thefts per 100,000 over the same time period. That means Beaumont’s vehicle theft rate is nearly 10 times higher than the statewide average.
Houston is the most expensive Texas city for car insurance, at an average of $220 per month. Texarkana and Cleburne have the cheapest rates in the state.
Beaumont’s average of $174 per month is less than Houston’s rate but runs higher than nearby East Texas cities like Lufkin and Nacogdoches. The gap is likely due to Beaumont’s coastal flood exposure, its high motor vehicle theft rate, and the fact that a quarter of the area’s drivers don’t have auto insurance.
Look to the table below to see how average car insurance rates in Beaumont compare to other Texas cities.
City | Average Monthly Quote |
|---|---|
| Abilene | $133 |
| Amarillo | $155 |
| Arlington | $171 |
| Austin | $169 |
| Beaumont | $174 |
| Brownsville | $161 |
| Corpus Christi | $167 |
| Dallas | $187 |
| Denton | $157 |
| El Paso | $147 |
| Fort Worth | $165 |
| Galveston | $163 |
| Garland | $183 |
| Grand Prairie | $177 |
| Houston | $220 |
| Huntsville | $150 |
| Irving | $175 |
| Killeen | $150 |
| Laredo | $164 |
| Lubbock | $157 |
| McAllen | $177 |
| Mesquite | $189 |
| Midland | $155 |
| Odessa | $166 |
| Plano | $166 |
| San Antonio | $173 |
| San Marcos | $164 |
Beaumont’s average commute time is about 20 minutes. But when everyday commuters share the road with heavy commercial port traffic, rush hour can mean frequent bottlenecks on local streets and highways. The Texas Department of Transportation (TxDOT) is rebuilding the I-10/US 69 interchange to help with congestion, and construction is expected to last until 2030.
The heavy traffic congestion that Beaumont drivers have to contend with increases the likelihood of accidents. Insurers compensate for this risk by increasing rates for Beaumont drivers.
Drivers should also be aware that the Beaumont Police Department runs driving under the influence (DUI) checkpoints and puts extra officers on the road during high-risk times like the holidays, looking specifically for impaired drivers.
The number and overall cost of car insurance claims in Beaumont affects how much drivers pay for auto policies. The city’s location puts vehicles at risk of hurricane-force winds, extreme flooding, and hail, and all of these drive up the cost of comprehensive claims.
Beaumont is also a hot spot for motor vehicle theft, and Texas requires higher minimum liability limits than many other states, which raises the cost of car insurance in Texas.
State Farm has the cheapest car liability insurance in Beaumont. In Beaumont, a state-minimum insurance policy usually costs a lot less than full coverage, and Beaumont’s liability-only rates are only slightly higher than the Texas average.
Texas minimum auto insurance requires coverage of at least $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage.[5]
The table below shows the cheapest rates for liability-only car insurance in Beaumont.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $62 |
| Mile Auto | $79 |
| Progressive | $85 |
| Allstate | $86 |
| GEICO | $101 |
| USAA | $110 |
| Mercury | $120 |
| Dairyland | $129 |
| Root | $129 |
| The General | $131 |
| Commonwealth Casualty | $131 |
| Bristol West | $133 |
| GAINSCO | $137 |
| Nationwide | $138 |
| AssuranceAmerica | $143 |
| Clearcover | $144 |
| Sun Coast | $147 |
| Safeco | $152 |
| Direct Auto | $156 |
| National General | $156 |
| Elephant | $160 |
| Chubb | $187 |
| 21st Century | $216 |
| Liberty Mutual | $281 |
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State Farm is where you’ll find the most affordable full-coverage car insurance in Beaumont. Given that Beaumont averages more than 48 inches of rainfall per year and multiple named storms have hit the area, upgrading to full coverage in Beaumont is worth considering.
These are the cheapest rates for full-coverage car insurance in Beaumont.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $108 |
| Progressive | $146 |
| Allstate | $152 |
| Mile Auto | $167 |
| Mercury | $183 |
| USAA | $192 |
| GEICO | $192 |
| Root | $223 |
| Safeco | $230 |
| Clearcover | $236 |
| Direct Auto | $239 |
| Nationwide | $241 |
| Elephant | $253 |
| The General | $256 |
| Bristol West | $267 |
| National General | $267 |
| GAINSCO | $274 |
| Sun Coast | $280 |
| AssuranceAmerica | $295 |
| Commonwealth Casualty | $309 |
| Chubb | $327 |
| Liberty Mutual | $363 |
| Dairyland | $368 |
| 21st Century | $377 |
*Quotes generated for Insurify users in and around Beaumont, Texas within the last 10 days. Last updated on March 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Beaumont, Texas within the last 10 days. Last updated on March 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
For the best price on car insurance after a speeding ticket, look to State Farm. Texas used to add points to your license for speeding, but the state stopped that practice in 2019. Instead, insurers look at the number of moving violations you’ve had over a 12- or 24-month period.[6]
Here are the cheapest car insurance rates in Beaumont for drivers with a speeding ticket.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $78 |
| Mile Auto | $96 |
| Progressive | $106 |
| Allstate | $112 |
| GEICO | $132 |
| USAA | $142 |
| Commonwealth Casualty | $154 |
| Dairyland | $161 |
| GAINSCO | $163 |
| Mercury | $167 |
| Bristol West | $167 |
| Root | $171 |
| The General | $175 |
| Nationwide | $179 |
| AssuranceAmerica | $181 |
| Sun Coast | $183 |
| Clearcover | $186 |
| Elephant | $191 |
| Direct Auto | $194 |
| National General | $194 |
| Safeco | $200 |
| Chubb | $237 |
| 21st Century | $284 |
| Liberty Mutual | $356 |
State Farm has the cheapest rates for Beaumont drivers with an at-fault accident. Texas is an at-fault state, so the driver who caused the crash (or their insurer) pays for damages.
But you could be liable if someone else crashes your car. Most accidents stay on your record for three years in Texas, potentially raising your rates for quite a while.[7]
The table below shows the cheapest rates for drivers with an at-fault accident in Beaumont.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $82 |
| Mile Auto | $106 |
| Progressive | $112 |
| Allstate | $115 |
| GEICO | $131 |
| USAA | $147 |
| Dairyland | $170 |
| Commonwealth Casualty | $172 |
| Root | $172 |
| Bristol West | $174 |
| GAINSCO | $175 |
| The General | $180 |
| Mercury | $181 |
| Nationwide | $185 |
| AssuranceAmerica | $190 |
| Sun Coast | $193 |
| National General | $207 |
| Elephant | $208 |
| Clearcover | $209 |
| Safeco | $212 |
| Direct Auto | $212 |
| Chubb | $247 |
| 21st Century | $292 |
| Liberty Mutual | $372 |
After a DUI, State Farm offers the lowest quotes in Beaumont. You’ll likely see extra troopers on the road in Beaumont looking for impaired drivers, especially during holiday weekends.
A first offense in Texas can mean fines of up to $2,000 and a license suspension of up to one year.[8] The rate increase on your car insurance after a DUI can last even longer.
These Beaumont car insurance rates are the cheapest for drivers with a DUI on their record.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $89 |
| Mile Auto | $113 |
| Progressive | $117 |
| Allstate | $123 |
| GEICO | $143 |
| USAA | $157 |
| Mercury | $178 |
| Dairyland | $184 |
| Root | $185 |
| The General | $187 |
| Commonwealth Casualty | $187 |
| Bristol West | $190 |
| GAINSCO | $196 |
| Nationwide | $197 |
| Sun Coast | $202 |
| AssuranceAmerica | $204 |
| Clearcover | $206 |
| Direct Auto | $223 |
| National General | $223 |
| Elephant | $229 |
| Safeco | $231 |
| Chubb | $267 |
| 21st Century | $290 |
| Liberty Mutual | $402 |
State Farm offers the lowest price for Beaumont’s teen drivers. The Texas driving age starts at 15 with a learner’s license. At age 16, you can get a provisional license, but it comes with driving restrictions.[9]
Here are the cheapest car insurance rates for teen drivers in Beaumont.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $125 |
| Progressive | $168 |
| Mile Auto | $169 |
| Allstate | $177 |
| GEICO | $189 |
| USAA | $212 |
| Dairyland | $231 |
| Mercury | $232 |
| Root | $233 |
| The General | $240 |
| Bristol West | $248 |
| Clearcover | $249 |
| Commonwealth Casualty | $254 |
| GAINSCO | $261 |
| Nationwide | $281 |
| Sun Coast | $290 |
| Elephant | $295 |
| AssuranceAmerica | $308 |
| Direct Auto | $312 |
| Safeco | $318 |
| National General | $328 |
| Chubb | $402 |
| 21st Century | $406 |
| Liberty Mutual | $517 |
The cheapest insurer for senior drivers in Beaumont is State Farm. About 16% of Beaumont’s population is 65 or older, slightly above the Texas average of 14%, meaning affordable senior coverage is in high demand.
The table below shows the cheapest rates for senior drivers in Beaumont.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $48 |
| Mile Auto | $62 |
| Allstate | $69 |
| Progressive | $72 |
| GEICO | $80 |
| USAA | $89 |
| Mercury | $95 |
| Nationwide | $105 |
| Commonwealth Casualty | $105 |
| Root | $107 |
| Dairyland | $108 |
| The General | $109 |
| Bristol West | $110 |
| AssuranceAmerica | $111 |
| GAINSCO | $116 |
| National General | $122 |
| Sun Coast | $125 |
| Direct Auto | $125 |
| Clearcover | $126 |
| Elephant | $131 |
| Safeco | $132 |
| Chubb | $140 |
| 21st Century | $168 |
| Liberty Mutual | $233 |
Below are answers to common questions about car insurance in Beaumont, TX.
The average monthly car insurance quote in Beaumont is $174, according to Insurify data. Your actual rate depends on your driving record, coverage level, vehicle type, the amount of auto coverage you get, and the insurer you choose.
State Farm offers the cheapest liability-only car insurance in Beaumont, with premiums averaging $62 per month. For full coverage, State Farm has the lowest quotes in Beaumont, at $108 per month.
GEICO, USAA, and Allstate are some of the best insurers for Texas drivers. But the best company for you ultimately depends on your insurance needs. The cheapest company isn’t always the best if you need full coverage that pays for flood damage, which matters in a Gulf Coast city like Beaumont.
Local factors like Beaumont’s high vehicle theft rate and Gulf Coast hurricane exposure affect car insurance prices, along with personal factors like your age, driving history, credit history, and coverage options.
Bundling auto and home insurance, raising your deductible, and maintaining a clean driving record can all help lower your car insurance premium in Beaumont. Given Beaumont’s frequent car theft, parking in a garage or using an anti-theft device could also earn you a discount.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Featured in
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves yoga and knitting.
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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