Cheapest Auto Insurance in Beaumont, Texas (2024)

State Farm offers the cheapest car insurance in Beaumont, with minimum-coverage policies as low as $41 per month.

Athena Valentine Lent
Athena Valentine Lent

Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George. 

Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated November 28, 2024

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Cheapest recent rates near Beaumont, Texas

Drivers in and around Beaumont, Texas have found policies from Progressive, National General, Commonwealth Casualty, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Beaumont, Texas within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. 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 November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Beaumont drivers pay $200 per month for car insurance on average, which is higher than the overall national average of $154 and the state average of $181.

Drivers in the Texas city may face expensive rates due to its high rate of car accidents. In 2022, Beaumont had 3,451 recorded car accidents. Though it ranks 36th in city population, Beaumont had the 16th most car accidents out of all Texas cities.[1]

The cheapest car insurance companies in Beaumont are State Farm, GEICO, and Allstate. You can find the cheapest insurer for your insurance needs by comparing quotes from multiple companies.

Here’s what you need to know about finding cheap car insurance in Beaumont.

Quick Facts
  • The average cost of liability insurance in Beaumont is $140 per month, while full-coverage insurance costs $260.

  • Texas is an at-fault state, which means the responsible driver must cover the other driver’s injuries and any property damage.[2]

  • Auto insurers in Texas can consider credit-based insurance scores when determining premiums.[3]

Cheapest car insurance companies in Beaumont

The auto insurance company that works best for you will depend on your financial situation and insurance needs. You’ll need to select a policy from a number of vehicle coverage types, which will influence how much you pay for coverage.

Start your insurance shopping process by considering three of the top insurers in Beaumont: Nationwide, GEICO, and Allstate. The quotes reflect average rates in Texas.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Liability Only
Full Coverage
Best for
Nationwide4.1$84$155Safe drivers
GEICO9.0$40$75Senior drivers
Allstate8.9$53$98Pay-per-mile insurance
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best insurer for safe drivers: Nationwide

User Reviews
4.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$93/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$170/mo
4.4
Best choiceBased on 786 verified guest reviews and ratings
How drivers feel about Nationwide

Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide

Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (442)

George

November 25, 2024

Verified Review

Not Appropriate

It was great, except for the significant increase in cost. This made it unaffordable.

Richard

November 7, 2024

Verified Review

Excellent Company

Nationwide appears to be an excellent company. I have recommended this company to several of my friends. My daughter and her husband have also taken out policies and are very satisfied with this company. Thank you.

Irene

November 4, 2024

Verified Review

Sorry to be leaving you, Nationwide.

I used Nationwide for 32 years. I understand that insurance prices are going up, however, due to my limited income, I can no longer afford to stay with Nationwide.
See all Nationwide reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Nationwide’s SmartRide telematics program rewards policyholders for driving safely. You can save 10% just for signing up and up to 25% more for safe driving. The company sells a variety of insurance products, including vehicle, property, life, pet, travel, and business insurance. Drivers can also benefit from multi-policy, accident-free, and safe driver discounts.

Pros
  • 11 available discounts

  • Many additional coverage options

Cons
  • More expensive than some insurers

  • Rideshare insurance not available

Best insurer for senior drivers: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$44/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$83/mo
4.0
Best choiceBased on 10302 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,664)

Elijah

November 27, 2024

Verified Review

Disappointed

Although you may have a 6-month policy, your rates are subject to change monthly.

Vickie

November 27, 2024

Verified Review

Experience with Geico

I have been with Geico for quite a while and I believe if insurance can be cheaper, they should adjust their prices accordingly. Otherwise, I might consider switching to another company.

Douglas

November 26, 2024

Verified Review

Watch Out

Be careful. They increase the rates every six months.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

In Texas, drivers age 79 and older must visit the DMV every year to renew their license, which requires the successful completion of a vision test and evaluation of their medical history.[4]

Aging-related risk factors can cause auto insurers to charge higher premiums, but GEICO offers several discounts that drivers older than 50 can benefit from, including defensive driving, five-year good driving, retired government and military, multi-car, and membership and employee discounts.

Pros
  • Accident forgiveness available

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Limited agent network

  • Gap and rideshare insurance not available

Best insurer for pay-per-mile insurance: Allstate

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$59/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$107/mo
4.0
Best choiceBased on 5662 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,078)

Debora

November 25, 2024

Verified Review

Very Expensive for Automobiles

The representative was very nice, but the automotive insurance is too high.

John

November 25, 2024

Verified Review

Good

I've never had a problem.

Lisa D

November 25, 2024

Verified Review

Need Lower Insurance

It's very pricey. They indicate one quote while you're trying to shop around, and then the pricing goes up after signing on.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

In addition to standard auto coverage offerings, Allstate offers pay-per-mile car insurance called Milewise. Instead of a flat-fee premium, you pay a daily base rate plus a per-mile rate. For example, if you have a daily rate of $1, a per-mile rate of five cents, and you only drive 12 miles in one day, you’d only pay $1.60 for that day’s coverage.

Pros
  • Same coverage as a traditional policy

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Above-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC)

  • Pay-per-mile rates not as affordable for high-mileage drivers

Find Cheap Car Insurance in Beaumont, Texas

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How to get the cheapest car insurance in Beaumont

Insurance companies consider your age, credit-based insurance score, marital status, and driving history to calculate your car insurance premium, along with the rates of accidents, uninsured motorists, and natural disasters in your area.

Though you can’t control many factors that affect insurance costs, you can take steps to secure a cheaper policy:

Cheapest liability-only car insurance in Beaumont: State Farm

Liability-only insurance covers damages and bodily injuries to the other driver if you caused an auto accident. It doesn’t cover the costs of fixing your vehicle and medical expenses from accident-related injuries. On average, Beaumont drivers pay $140 per month for liability coverage.

The cheapest insurer for liability-only car insurance in Beaumont is State Farm, with an average cost of $41 per month. Compare quotes from more of the city’s cheapest insurers below.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$41
GEICO$44
Allstate$59
Mile Auto$63
USAA$73
Nationwide$93
Mercury$96
Progressive$112
Safeco$113
Dairyland$119
Chubb$125
Clearcover$137
National General$137
21st Century$144
Direct Auto$145
The General$145
Bristol West$150
Commonwealth Casualty$151
Elephant$160
GAINSCO$185
Liberty Mutual$220
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Beaumont: State Farm

Full-coverage auto insurance offers more financial protection than liability-only coverage. It covers your vehicle damage following an accident or non-collision incident. You may need to buy this coverage if you lease or finance your vehicle because most lenders and dealers require it.

Beaumont drivers pay an average of $260 per month for full-coverage insurance. Here are quotes from some of the cheapest insurers in Beaumont.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$76
GEICO$83
Allstate$107
Mile Auto$128
USAA$136
Mercury$165
Nationwide$170
Progressive$193
Safeco$200
Clearcover$204
Chubb$230
Elephant$263
21st Century$266
Direct Auto$277
National General$283
Dairyland$309
The General$316
Bristol West$320
Liberty Mutual$362
GAINSCO$392
Commonwealth Casualty$418
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Beaumont, Texas

Drivers in and around Beaumont, Texas have found policies from Mercury, Safeco, National General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Beaumont, Texas within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. 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 November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Texas

Texas is an at-fault state, which means the driver responsible for the accident has to cover the medical costs and vehicle repairs of the other party and any passengers. Drivers in Texas must carry a minimum amount of bodily injury and property damage liability coverage.[6]

Here are the state’s specific minimum insurance requirements:

Coverage
Minimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000 per accident

Most drivers should consider purchasing coverage beyond the state’s minimum liability requirements to extend coverage to their vehicle. Common optional coverages to consider include:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you have an accident, collision coverage kicks in to cover your vehicle repair or replacement costs.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    For non-collision incidents, like severe weather, theft, or vandalism, comprehensive insurance can cover your damages.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Specific offerings vary by company, but roadside assistance coverage typically provides roadside services if you find yourself with a broken-down vehicle.

Texas Automobile Insurance Plan Association

The Texas Automobile Insurance Plan Association (TAIPA) provides basic coverage for people who can’t find an insurance company to offer them a policy. TAIPA sells the minimum insurance required by law to operate a vehicle and costs more than traditional auto insurance policies.

If you haven’t had any tickets or accidents, insurance companies will likely offer you a cheaper policy than what TAIPA quotes.[7]

Cheapest car insurance for drivers with an incident

Insurance companies typically charge higher rates to drivers with one or more incidents on their record. Driving incidents include moving violations like speeding tickets, driving under the influence (DUI), and at-fault accidents. Other violations include driving without insurance, receiving citations, and operating a vehicle without a driver’s license.

On average, Beaumont drivers with a past incident pay $257 per month for car insurance. Your specific premium will depend on the severity and frequency of incidents on your record.

Shop for Car Insurance in Beaumont, TX

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Along with traffic citations, speeding can result in car accidents and increased insurance premiums. Insurers view past speeding tickets as a risk indicator of future incidents and claims.

The average cost of car insurance in Beaumont for a driver with a past speeding ticket is $273. Find quotes from some of the cheapest Beaumont insurers below.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
State Farm$96$52
GEICO$106$56
Allstate$137$76
Mile Auto$165$81
USAA$174$93
Nationwide$220$120
Mercury$226$132
Progressive$245$142
Safeco$260$147
Clearcover$263$177
Chubb$299$162
21st Century$353$191
Direct Auto$355$186
Elephant$363$221
National General$364$176
Dairyland$395$152
Bristol West$412$193
The General$412$189
Liberty Mutual$499$303
GAINSCO$541$255
Commonwealth Casualty$577$208
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

How much your premium increases after an at-fault accident depends on the severity of the accident and the cost of your insurance claim.[8] Beaumont drivers with a past at-fault accident pay an average of $289 per month for car insurance.

Compare quotes for drivers with a past accident below.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
State Farm$103$55
GEICO$113$60
Allstate$146$80
Mile Auto$178$88
USAA$185$99
Nationwide$233$128
Mercury$240$140
Progressive$264$153
Safeco$270$152
Clearcover$298$200
Chubb$314$171
Elephant$350$213
21st Century$371$201
National General$384$186
Direct Auto$385$201
Dairyland$416$160
Bristol West$435$204
The General$437$201
GAINSCO$510$241
Liberty Mutual$524$319
Commonwealth Casualty$556$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Operating a vehicle with a blood alcohol content (BAC) level of 0.08 or higher can result in a charge for DUI. In 2020, drunk driving incidents in Texas killed 863 people and severely injured 2,114.[9] Because of their history of drunk driving, insurers will increase premiums for drivers with a DUI to account for the added risk.

Drivers with a past DUI in Beaumont pay an average of $329 per month for car insurance. The companies below offer competitive rates.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
State Farm$125$68
GEICO$137$73
Allstate$176$97
Mile Auto$211$104
USAA$224$120
Mercury$251$146
Nationwide$280$153
Safeco$306$173
Progressive$318$185
Clearcover$336$226
Chubb$379$206
Elephant$433$264
21st Century$438$237
Direct Auto$456$239
National General$466$226
Dairyland$509$196
The General$521$239
Bristol West$527$247
Liberty Mutual$597$363
GAINSCO$646$305
Commonwealth Casualty$689$249
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Your age affects how much you pay for car insurance. Around age 35, your car insurance rates will likely begin to decrease steadily because you have more experience on the road. However, around the time you turn 70, your rates may increase again due to aging-related risk factors.

The average cost of car insurance for senior drivers in Beaumont is $158 per month. Find the city’s cheapest insurers for older drivers below.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
State Farm$31$58
GEICO$34$65
Allstate$46$84
Mile Auto$46$94
USAA$57$106
Nationwide$68$124
Mercury$74$127
Progressive$79$136
Chubb$89$164
Dairyland$93$241
Safeco$94$167
National General$102$211
21st Century$105$194
Direct Auto$110$211
Clearcover$115$172
The General$115$250
Bristol West$118$251
Commonwealth Casualty$118$326
Elephant$128$210
GAINSCO$152$321
Liberty Mutual$181$297
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teenagers pay the highest average rates for auto insurance by driver age due to limited driving experience, which leads to more moving violations and accidents. Though you can’t change your age, you can find ways to get cheap car insurance.

Driving a safe car, taking an approved defensive driving course, joining your parents’ existing car insurance policy, and earning good grades can all help you earn a cheaper insurance premium. On average, teen drivers in Beaumont pay $368 per month for car insurance.

Here are the cheapest insurers for teen drivers in the city.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
GEICO$73$138
State Farm$73$136
Allstate$109$198
Mile Auto$127$257
USAA$128$238
Nationwide$169$309
Mercury$177$304
Dairyland$200$520
Progressive$205$352
Safeco$226$399
The General$240$524
Chubb$248$457
21st Century$254$470
Clearcover$262$390
Bristol West$263$562
Elephant$271$445
Commonwealth Casualty$272$752
Direct Auto$276$526
National General$280$578
GAINSCO$333$705
Liberty Mutual$393$647
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Beaumont car insurance quotes by credit tier

Though insurance companies in Texas can factor your credit-based insurance score into your insurance rate, they can’t disqualify you as a customer based on that alone. Insurance companies look at your financial health to gauge if you can make your car insurance payments in full and on time.

Drivers with excellent or good credit scores often pay lower rates because they pose less of a financial risk to insurers than people with poor credit scores. Here are the average rates for car insurance by credit tier in Beaumont.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Beaumont?

Car insurance in Beaumont costs $200 per month on average, which exceeds the state average of $181 and the national average of $154.

Within Texas, car insurance premiums vary by city and ZIP code based on factors like crime rates, population density, accident rates, and more. Beaumont had more car accidents occur in 2022 than many other Texas cities, which may explain the above-average rates.

More cities in Texas

Though average car insurance rates in Beaumont are higher than the state average, drivers in a few more populated cities pay higher average rates. Find the average rates in other Texas cities below.

City
Average Quote: Liability Only
Average Quote: Full Coverage
Abilene$94$201
Amarillo$104$234
Arlington$126$248
Austin$131$241
Brownsville$115$217
Corpus Christi$129$230
Dallas$133$277
Denton$117$239
El Paso$97$202
Fort Worth$120$237
Galveston$130$236
Garland$133$258
Grand Prairie$132$269
Houston$174$322
Huntsville$110$230
Irving$130$261
Killeen$105$215
Laredo$105$216
Lubbock$107$221
McAllen$129$228
Mesquite$129$258
Midland$105$228
Odessa$106$258
Plano$126$243
San Antonio$123$237
San Marcos$112$241
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Beaumont car insurance FAQs

Before you start comparing quotes from different insurers, you should decide how much auto coverage you need. The information below should help answer your remaining questions about finding cheap car insurance in Beaumont.

  • How much is car insurance in Beaumont, Texas?

    The average cost of car insurance in Beaumont is $200 per month. Drivers in the city pay $140 per month for liability coverage and $260 for full coverage, on average.

  • Which company has the cheapest car insurance in Beaumont?

    State Farm is the cheapest insurer in Beaumont, with an average monthly quote of $41 for liability coverage. The best way to find the cheapest car insurance for your needs is to compare quotes from multiple insurance companies.

  • What are the best car insurance companies in Beaumont?

    With an Insurify Quality (IQ) Score of 4.2 out of 5, an A++ (Superior) financial strength rating from AM Best, and numerous available discounts, GEICO is the best car insurance company in Beaumont. Other top insurers include Nationwide and Allstate.

  • What is the average monthly car insurance cost in Texas?

    Drivers in Texas pay $120 per month for liability coverage and $241 for full-coverage insurance. The overall average cost of coverage in the state is $181 per month.

  • What is the bare minimum car insurance in Texas?

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

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Texas Department of Transportation. "Crashes and Injuries Cities and Towns."
  2. NOLO. "Texas Car Insurance Requirements."
  3. Texas Department of Insurance. "Credit Scoring and Insurance."
  4. Texas Department of Public Safety. "Drivers Age 79 or Older."
  5. Texas Department of Insurance. "5 tips to shop and save money on car insurance."
  6. Texas Department of Insurance. "Auto insurance guide."
  7. Texas Automobile Insurance Plan Association. "TAIPA News."
  8. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  9. Texas Department of Transportation. "Drunk driving killed 963 people in Texas last year."
Athena Valentine Lent
Athena Valentine Lent

Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George. 

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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