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.
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Written byAthena Valentine Lent
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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.
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Edited byKatie Powers
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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 21, 2024
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Table of contents
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 ▲▼ |
|---|---|---|---|---|
| Nationwide | 4.1 | $84 | $155 | Safe drivers |
| GEICO | 9.0 | $40 | $75 | Senior drivers |
| Allstate | 8.9 | $53 | $98 | Pay-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 782 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 (441)
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.
Sara
November 1, 2024
Verified Review
Very Good!
The customer service is very good. They explain things well and make it easy to understand.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64A.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 10275 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 (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 5648 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 (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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:
Shop around. Compare quotes from several car insurance companies to find the best deal.
Inquire about discounts. Car insurance companies typically offer a number of discounts, including military, student, and bundling discounts.
Increase your deductible. Setting a higher deductible can lower your premium.[5]
Complete a defensive driving course. You can often quality for a defensive driver discount by taking a driving safety class approved by the state.
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 using Insurify have found quotes as cheap as $38/mo for liability only and $57/mo for full coverage in Beaumont and other Texas cities.
*Quotes generated for Insurify users in and around Beaumont, Texas within the last 10 days. Last updated on November 21, 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 21, 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 21, 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 21, 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:
Collision coverage
If you have an accident, collision coverage kicks in to cover your vehicle repair or replacement costs.
Comprehensive coverage
For non-collision incidents, like severe weather, theft, or vandalism, comprehensive insurance can cover your damages.
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.
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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
- 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.
Related articles
More cities in Texas
Sources
- Texas Department of Transportation. "Crashes and Injuries Cities and Towns."
- NOLO. "Texas Car Insurance Requirements."
- Texas Department of Insurance. "Credit Scoring and Insurance."
- Texas Department of Public Safety. "Drivers Age 79 or Older."
- Texas Department of Insurance. "5 tips to shop and save money on car insurance."
- Texas Department of Insurance. "Auto insurance guide."
- Texas Automobile Insurance Plan Association. "TAIPA News."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Texas Department of Transportation. "Drunk driving killed 963 people in Texas last year."
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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.
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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