Updated: December 29, 2025
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State Farm: Cheapest across most driver profiles. At $51 monthly for minimum coverage and $114 for full coverage, State Farm saves drivers 40% compared to Beaumont's average.
GEICO: Second cheapest at $70 monthly minimum and $142 full coverage. It's affordable for young drivers, seniors and drivers with speeding tickets.
AAA: Third cheapest at $72 monthly minimum and $146 full coverage, with rates 22% below city average.
Cheapest Monthly Rates by Coverage and Driver Profile in Beaumont:
State Farm offers the cheapest minimum coverage at $51 monthly, while Mercury is the second cheapest at $69. For full coverage, State Farm stays the cheapest at $115 monthly, with GEICO second at $142. Both save you over 23% compared to Beaumont's average. Get quotes from at least three companies because rates vary by ZIP code and driving history.
| State Farm | $51 | $115 | -40% |
| Mercury Insurance | $69 | $153 | -20% |
| Geico | $71 | $142 | -23% |
| AAA | $72 | $146 | -22% |
| Germania Insurance | $88 | $170 | -7% |
Not in Beaumont? Read more about the cheapest car insurance in Texas or the best car insurance in Texas.
Teens and drivers in their early 20s pay the highest rates due to inexperience. State Farm offers the cheapest full coverage at $257 monthly. GEICO charges $259, and Germania Insurance costs $327.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| State Farm | $257 | $3,082 | -39% |
| Geico | $259 | $3,112 | -38% |
| Germania Insurance | $327 | $3,922 | -22% |
| AAA | $329 | $3,948 | -22% |
| Allstate | $421 | $5,050 | 0% |
Senior drivers in Beaumont pay lower rates than most age groups. State Farm charges the least at $129 monthly for full coverage. GEICO costs $171, and Germania Insurance charges $177. Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older.
| State Farm | $129 | $1,548 | -43% |
| Geico | $171 | $2,054 | -24% |
| Germania Insurance | $177 | $2,128 | -21% |
| AAA | $188 | $2,257 | -16% |
| Progressive | $214 | $2,566 | -5% |
Violations increase your rates, though insurers charge different amounts for the same infraction. State Farm charges drivers with at-fault accidents $60 monthly for minimum coverage, compared to Germania Insurance's $89. For speeding tickets, State Farm costs $51 a month, and GEICO charges $82. State Farm offers the best DUI rates at $83 monthly, with Mercury at $94.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | State Farm | $60 | -51% |
| At-Fault Accident | Germania Insurance | $89 | -27% |
| DUI | State Farm | $83 | -39% |
| DUI | Mercury Insurance | $94 | -30% |
| Speeding Ticket | State Farm | $51 | -50% |
| Speeding Ticket | Geico | $82 | -20% |
Beaumont rates span from $165 to $217 monthly for full coverage, depending on your ZIP code. High-risk areas like 77701 cost $217. Safer neighborhoods like 77713 cost $165.
Your ZIP code matters more than your neighborhood name when insurers calculate rates. Crime rates, traffic density and accident frequency create a $52 monthly gap between Beaumont's most and least expensive ZIP codes.
| 77701 | $217 |
| 77708 | $215 |
| 77703 | $175 |
| 77705 | $169 |
| 77707 | $169 |
| 77702 | $168 |
| 77706 | $166 |
| 77713 | $165 |
| 77713 | $165 |
| 77706 | $166 |
| 77702 | $168 |
| 77705 | $169 |
| 77707 | $169 |
| 77703 | $175 |
| 77708 | $215 |
| 77701 | $217 |
State Farm leads Beaumont's insurance market with a MoneyGeek score of 95 out of 100. It combines the lowest average premiums with outstanding customer service scores and comprehensive coverage options.
Mercury, AAA, GEICO and Progressive are also great options. These insurers offer competitive rates, quality customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| Mercury Insurance | 90 | 4 | 5 | 4 |
| AAA | 90 | 3 | 4 | 6 |
| Geico | 90 | 2 | 6 | 6 |
| Progressive | 89 | 6 | 2 | 2 |
Cheapest rates across all driver profiles
Full coverage rates 40% below city average
4.5 out of 5 customer service rating
Fewer discount options than most competitors
Requires agent contact for detailed policy information
Lowest coverage ranking among Beaumont providers
State Farm ranks first in Beaumont with the lowest rates across all driver profiles and a 4.5 out of 5 customer service rating. It charges full coverage rates 40% below the city average and provides efficient claims processing through its 24/7 digital tools and local agents.
State Farm handles Beaumont's hurricane risks with comprehensive weather-related coverage and mobile response units during storm season. Its local agents understand southeast Texas risks and provide reliable support when drivers need it most.
Highest coverage score among Beaumont insurers
Comprehensive weather protection for hurricanes
Competitive rates for high-risk drivers
Basic coverage lacks roadside assistance and extras
Slower claim processing delays insurance payouts
Below-average customer service experience
Mercury ranks second in Beaumont with the highest coverage score and comprehensive weather protection for hurricanes. It provides quick claims processing during hurricane season and offers competitive rates for high-risk drivers with violations.
Mercury combines 24/7 digital tools with its Authorized Repair Service program that connects drivers with pre-approved repair shops. Its umbrella insurance options provide extra liability protection beyond standard policies for Beaumont's weather risks.
Beaumont drivers pay elevated car insurance rates. Finding affordable coverage requires comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Beaumont's risk profile. Your driving record improves after three years, unlocking lower rates.
Our analysis breaks down Beaumont insurance options and pricing to help you secure affordable coverage that fits your needs.
Beaumont car insurance is expensive. It costs $181 a month for full coverage. The most expensive location in Texas costs $225 per month, and the cheapest costs $48.
Finding affordable car insurance in Beaumont starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Texas' insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 77701 often pay much more than those in 77713.
We partnered with the Texas Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Beaumont ZIP code.
Our ratings for the best car insurance in Beaumont are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Beaumont neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
