State Farm offers the lowest car insurance rates in Beaumont at $614 per year for minimum coverage and $1,377 annually for full coverage. Other affordable options in the city include Mercury, AAA and GEICO.
Car Insurance in Beaumont
Updated: August 9, 2025
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Key Takeaways
The cheapest car insurance companies in Beaumont are State Farm, GEICO and AAA with savings up to 40% compared to the city average.
On average, Beaumont car insurance costs $181 per month for full coverage and $82 for minimum coverage.
To get the best cheap auto insurance in Beaumont, we recommend deciding on coverage beforehand, doing plenty of research and comparing quotes from multiple sources.
Who Has the Cheapest Car Insurance in Beaumont?
| State Farm | $51 | $115 | -40% |
| GEICO | $71 | $142 | -23% |
| AAA | $72 | $146 | -22% |
| Mercury | $69 | $153 | -20% |
| Germania | $88 | $170 | -7% |
Compare the Cheapest Beaumont Car Insurance for You
Car insurance rates change based on your driving history and personal details. Check the table below to find which company offers the lowest rates for your specific profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:State Minimum Liability Only
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $52 | $630 | -39% |
| AAA | $67 | $809 | -22% |
| Mercury | $77 | $927 | -11% |
| Germania | $78 | $935 | -10% |
| GEICO | $79 | $944 | -9% |
Cheapest Car Insurance by Age Group in Beaumont
Car insurance prices vary significantly by age in Beaumont. Here's who offers the lowest rates for each age group:
- Cheapest car insurance for young drivers (16 to 25): State Farm at $116 per month
- Cheapest car insurance for adults (26 to 64): State Farm at $51 per month
- Cheapest car insurance for seniors (65+): State Farm at $60 per month
Cheapest Car Insurance for Young Drivers in Beaumont
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.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $116 | $1,394 | -43% |
| GEICO | $126 | $1,513 | -38% |
| AAA | $165 | $1,975 | -19% |
| Germania | $180 | $2,166 | -11% |
| Allstate | $205 | $2,465 | 1% |
Cheapest Car Insurance for Adult Drivers in Beaumont
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.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $51 | $614 | -41% |
| Mercury | $69 | $834 | -20% |
| GEICO | $71 | $849 | -18% |
| AAA | $72 | $866 | -17% |
| Germania | $88 | $1,051 | 1% |
Cheapest Car Insurance for Senior Drivers in Beaumont
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.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $60 | $715 | -46% |
| Germania | $94 | $1,123 | -16% |
| GEICO | $94 | $1,128 | -16% |
| AAA | $98 | $1,177 | -12% |
| Progressive | $129 | $1,551 | 16% |
Cheapest Car Insurance for High-Risk Drivers in Beaumont
Here are the cheapest car insurance providers in Beaumont for drivers with different risk factors:
- Cheapest For Bad Credit: GEICO (From $102 per month)
- Cheapest With a DUI: State Farm (From $83 per month)
- Cheapest With an Accident: State Farm (From $60 per month)
- Cheapest With a Speeding Ticket: State Farm (From $51 per month)
Cheapest Car Insurance for Bad Credit in Beaumont
GEICO offers the cheapest car insurance for bad credit drivers 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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| GEICO | $102 | $1,228 | -48% |
| Allstate | $137 | $1,641 | -31% |
| Dairyland | $142 | $1,704 | -28% |
| Germania | $146 | $1,755 | -26% |
| Chubb | $158 | $1,892 | -20% |
Cheapest Car Insurance With a DUI in Beaumont
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $83 | $998 | -39% |
| Mercury | $94 | $1,133 | -30% |
| Farmers | $101 | $1,207 | -26% |
| AAA | $112 | $1,349 | -17% |
| Progressive | $117 | $1,405 | -14% |
Cheapest Car Insurance With an Accident in Beaumont
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $60 | $725 | -51% |
| Germania | $89 | $1,067 | -27% |
| Farmers | $93 | $1,120 | -24% |
| GEICO | $98 | $1,177 | -20% |
| AAA | $106 | $1,269 | -14% |
Cheapest Car Insurance With a Speeding Ticket in Beaumont
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $51 | $614 | -50% |
| GEICO | $82 | $980 | -20% |
| Germania | $88 | $1,051 | -15% |
| AAA | $95 | $1,144 | -7% |
| Mercury | $97 | $1,159 | -6% |
Best Car Insurance Companies in Beaumont
Beaumont's top car insurance companies are State Farm, Mercury, AAA and GEICO. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| 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 |
State Farm: Best Cheap Overall
pros
Lowest rates in Beaumont
Great customer service reputation
Largest discount selection
cons
Not many add-on coverage selections
Much less affordable for those with bad credit
COMPANY HIGHLIGHTS
Earning the top spot in our study, State Farm combines affordability for most drivers with one of the city's best customer experiences. The company's strong performance includes Texas's third-best customer satisfaction rating and a sixth-place nationwide ranking for claims satisfaction, according to J.D. Power. However, drivers face limitations with only three add-on coverage options available, while those with poor credit scores encounter significantly higher rates.
How Much Is Car Insurance in Beaumont?
In Beaumont, minimum coverage costs about $82 per month or $981 per year, ranking 1431st out of all Texas cities for affordability. Full coverage averages $181 monthly or $2,167 annually, ranking 1445th among Texas cities.
| Full Coverage | $181 | $2,167 |
| Minimum Coverage | $82 | $981 |
Compare Personalized Beaumont Car Insurance Costs
While average rates by ZIP code and coverage type are helpful, this table lets you filter Beaumont car insurance costs based on your age, driving record and other personal factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $264 | $3,171 | 22% |
Beaumont Car Insurance Costs by ZIP Code
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.
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ZIP Code:77701
| 77701 | $109 | $217 |
How to Get the Best Cheap Beaumont Car Insurance
With Beaumont drivers facing steep car insurance rates and complex coverage options, finding affordable protection can feel overwhelming. This step-by-step guide shows you how to secure the cheapest car insurance rates while maintaining the right coverage for your needs.
- 1
Calculate your exact coverage needs
Start by determining exactly how much coverage you need for your situation in Beaumont. Use our car insurance coverage needs calculator to evaluate factors like your car's value, assets to protect, and driving habits. This creates a solid foundation for comparing policies and ensures you don't overpay for unnecessary coverage.
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Explore alternative insurance options
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might be ideal. Don't own a car? Look into non-owner policies for occasional driving.
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Know the local price ranges
Research average vehicle insurance costs in Beaumont to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying. This knowledge gives you leverage when negotiating with insurance providers.
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Stack available insurance discounts
Maximize savings through multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, defensive driving courses, and good student discounts can also significantly reduce your premiums.
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Check company ratings and service
Research each insurer's reputation in Beaumont for claims handling and customer service. Look for companies with strong financial ratings and positive local reviews. Pay attention to how quickly they process claims and their availability for support when you need them.
- 6
Get quotes from multiple providers
Collect quotes from at least three different insurance providers. Use a mix of local agents, online tools, and direct company contact. This variety ensures you get the most competitive rates and helps you understand what different insurers offer in terms of coverage and service.
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Review your policy yearly
Mark your calendar to review your car insurance annually. Life changes, driving habits, and insurance company rates all fluctuate over time. Regular reviews ensure you maintain the best rates and appropriate coverage for your current situation in Beaumont.
Cheapest Car Insurance in Beaumont: Bottom Line
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.
Cheap Beaumont Car Insurance: FAQ
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.
What is the cheapest car insurance company in Beaumont, Texas?
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.
Who offers the best car insurance in Beaumont?
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.
What is the average cost of car insurance in Beaumont?
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.
Is car insurance in Beaumont expensive?
Car insurance in Beaumont costs more than average, ranking 1431st for minimum coverage affordability and 1445th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Beaumont, TX
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:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
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:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Beaumont based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.