Updated: November 26, 2025
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State Farm offers the cheapest car insurance in Beaumont. GEICO, AAA, Mercury Insurance and Progressive also provide coverage in the city.
Car insurance in Beaumont costs an average of $981 per year for minimum coverage and $2,167 per year for full coverage.
State Farm also offers the cheapest car insurance in Texas at $497 per year for minimum coverage and $1,118 per year for full coverage.
State Farm leads Beaumont's market with minimum coverage at $614 per year, 37% lower than the city average of $981. Full coverage from State Farm costs $1,377 annually.
GEICO provides an alternative at $849 per year for minimum coverage. While higher than State Farm, this option suits drivers who value GEICO's nationwide presence and digital convenience
| State Farm | $51 | $115 | -40% |
| GEICO | $71 | $142 | -23% |
| AAA | $72 | $146 | -22% |
| Mercury | $69 | $153 | -20% |
| Germania | $88 | $170 | -7% |
Young drivers in Beaumont pay $1,394 annually with State Farm for minimum coverage. Adult drivers enjoy the lowest rates at $614 per year with State Farm, a 56% discount compared to young drivers.
State Farm charges seniors $715 annually, representing a 16% increase over adult rates. Beaumont's age-based pricing follows typical Texas market patterns with significant youth surcharges.
State Farm and GEICO provide the most affordable car insurance options for young drivers in Beaumont, with monthly premiums starting at $116 and $126 respectively.
| State Farm | $116 | $1,394 | -43% |
| Geico | $126 | $1,513 | -38% |
| AAA | $165 | $1,975 | -19% |
| Germania Insurance | $180 | $2,166 | -11% |
| Allstate | $205 | $2,465 | 1% |
State Farm provides the lowest rates for adult drivers in Beaumont, with monthly premiums of $51 and savings of 41% compared to city averages. GEICO and AAA also offer affordable options for drivers ages 26 to 64.
| State Farm | $51 | $614 | -41% |
| Mercury Insurance | $69 | $834 | -20% |
| Geico | $71 | $849 | -18% |
| AAA | $72 | $866 | -17% |
| Germania Insurance | $88 | $1,051 | 1% |
For seniors in Beaumont, State Farm offers the lowest car insurance rates. Minimum coverage costs $60 per month or $715 annually. Full coverage from the same provider runs $129 monthly or $1,548 per year.
| State Farm | $60 | $715 | -46% |
| Germania Insurance | $94 | $1,123 | -16% |
| Geico | $94 | $1,128 | -16% |
| AAA | $98 | $1,177 | -12% |
| Progressive | $129 | $1,551 | 16% |
Here are the cheapest car insurance providers in Beaumont for drivers with different risk factors:
GEICO offers the most affordable car insurance for drivers with bad credit in Beaumont, with monthly rates starting at $102 for minimum coverage and $237 for full coverage. The minimum coverage meets state requirements, while full coverage includes higher liability limits of 100/300/100 and a $1,000 deductible for comprehensive and collision coverage.
| Geico | $102 | $1,228 | -48% |
| Allstate | $137 | $1,641 | -31% |
| Dairyland | $142 | $1,704 | -28% |
| Germania Insurance | $146 | $1,755 | -26% |
| Chubb | $158 | $1,892 | -20% |
State Farm offers the most affordable car insurance for Beaumont drivers with a DUI. You'll save up to 37% on minimum coverage and 39% on full coverage compared to city averages with this provider.
| State Farm | $83 | $998 | -39% |
| Mercury Insurance | $94 | $1,133 | -30% |
| Farmers | $101 | $1,207 | -26% |
| AAA | $112 | $1,349 | -17% |
| Progressive | $117 | $1,405 | -14% |
State Farm offers the lowest car insurance rates for Beaumont drivers with accident records, starting at $60 per month. This rate is 51% below the city average.
| State Farm | $60 | $725 | -51% |
| Germania Insurance | $89 | $1,067 | -27% |
| Farmers | $93 | $1,120 | -24% |
| Geico | $98 | $1,177 | -20% |
| AAA | $106 | $1,269 | -14% |
State Farm offers Beaumont drivers with speeding tickets the most affordable rates for both coverage types. Their minimum liability coverage costs about $51 monthly, while full coverage runs around $115 per month.
| State Farm | $51 | $614 | -50% |
| Geico | $82 | $980 | -20% |
| Germania Insurance | $88 | $1,051 | -15% |
| AAA | $95 | $1,144 | -7% |
| Mercury Insurance | $97 | $1,159 | -6% |
State Farm offers Beaumont's lowest premiums with extensive coverage options. Mercury Insurance ranks second with competitive rates and strong customer service.
State Farm wins for pure affordability, while Mercury Insurance excels at customer support.
| State Farm | 95 | 1 | 3 | 6 |
| Mercury | 90 | 4 | 5 | 4 |
| AAA | 90 | 3 | 4 | 6 |
| GEICO | 90 | 2 | 6 | 6 |
| Progressive | 89 | 6 | 2 | 2 |
Lowest rates in Beaumont
Great customer service reputation
Largest discount selection
Not many add-on coverage selections
Much less affordable for those with bad credit
State Farm ranks first in our study for affordability and customer experience. The insurer holds Texas's third-best customer satisfaction rating and ranks sixth nationwide for claims satisfaction, per J.D. Power. State Farm offers only three add-on coverage options. Drivers with poor credit scores pay much higher rates.
Beaumont averages $981 per year for minimum coverage and $2,167 per year for full coverage. These rates exceed the Texas state average of $807 for minimum coverage.
State Farm's $614 minimum coverage rate sits well below Beaumont's average. This Gulf Coast city's higher premiums reflect increased weather risks and traffic density compared to inland Texas communities.
| Full Coverage | $181 | $2,167 |
| Minimum Coverage | $82 | $981 |
In Beaumont, car insurance rates by ZIP code range from $71 to $217 per month. ZIP code 77701 is the most expensive, while 77713 is the cheapest. Check the average rates for your ZIP code on the table below.
| 77701 | $109 | $217 |
Beaumont drivers pay high car insurance rates. Follow these steps to find affordable coverage that meets your needs.
Determine how much coverage you need using our car insurance coverage needs calculator. Evaluate your car's value, assets to protect and driving habits. Compare policies based on your actual needs rather than buying unnecessary coverage.
Consider specialized coverage beyond standard car insurance policies. Pay-per-mile insurance works well for drivers who rarely use their cars. Non-owner policies cover occasional drivers who don't own vehicles.
Research average vehicle insurance costs in Beaumont for your age group and vehicle type. Understanding typical rates helps you recognize competitive pricing and negotiate better deals with insurers.
Combine multiple car insurance discounts to maximize savings. Bundle home and auto policies or insure multiple cars. Safe driver programs, defensive driving courses and good student discounts lower your premiums.
Research each insurer's claims handling and customer service reputation in Beaumont. Look for strong financial ratings and positive local reviews. Verify their claims processing speed and support availability.
Collect quotes from at least three insurers using local agents, online tools and direct company contact. Comparing rates reveals the most competitive pricing and coverage options.
Review your car insurance annually. Life changes, driving habits and company rates fluctuate. Regular reviews maintain appropriate coverage and competitive rates.
Car insurance rates in Beaumont depend on your driving record, vehicle and credit score. State Farm and GEICO offer the lowest average premiums in the city, but compare quotes from multiple providers to find your best rate.
Get straightforward answers about affordable car insurance in Beaumont. Our FAQ section helps you find the right coverage that fits your budget and protection needs.
State Farm offers the lowest rates in Beaumont, with average annual premiums of $614 for minimum coverage and $1,377 for full coverage. Rates vary by personal factors, so compare quotes.
State Farm leads Beaumont's car insurance providers with a MoneyGeek score of 95 out of 100, scoring four points higher than Mercury. It delivers excellent customer service and competitive rates.
In Beaumont, Texas, drivers pay $2,167 for full coverage and $981 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Car insurance in Beaumont costs more than average, ranking 1431st for minimum coverage affordability and 1445th for full coverage compared to other Texas cities.
To help Beaumont drivers find the most affordable auto insurance companies, MoneyGeek analyzed Beaumont auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Beaumont and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Beaumont Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Beaumont with the following characteristics:
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Beaumont
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies in Beaumont based on the following rating scale:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
