bestauto insuranceBeaumont2022Compare the Cheapest Car Insurance Quotes in Beaumont, TX
Beaumont’s average car insurance rate is $1,305 per year, which is 0.8% less than the state average. Farmers is the least expensive provider in the city, with an average annual price of $822.
MoneyGeek assessed the cheapest carriers by coverage amount and driving history to find a price that suits your profile. We recommend the top car insurers in the city to help you balance high quality with low cost.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 11/24/2022
Written By |
Mark Fitzpatrick
On average, Farmers is the cheapest car insurance company in Beaumont for full coverage and state-minimum policies. State Farm features the most affordable option in the city for a driver with a speeding ticket.
For military families, USAA offers the most affordable policies. MoneyGeek rated GEICO as the best overall company in the city, balancing affordability and service quality.
bestauto insuranceBeaumont2022The Cheapest and Best Car Insurance in Beaumont
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - Farmers
Best Overall - GEICO
The Cheapest Car Insurance Companies in Beaumont
MoneyGeek researched the following most affordable options for drivers looking for a full coverage policy in Beaumont. The cheapest car insurance companies in the city, on average, are:
- Farmers: $822 per year
- State Farm: $967 per year
Drivers who have a military background may qualify for policies offered by USAA. This provider, the second-cheapest company in the city, features an average cost of $877 per year.
On average, the policies offered by Farmers, the cheapest company in Beaumont, are approximately 211% less expensive than coverage from The General — the most expensive company in the city.
In a full coverage policy, both comprehensive and collision insurance are included. Costs vary depending on how much liability insurance you add to your policy.
Cheapest Car Insurance in Beaumont
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$822
- 2.$877
- 3.$967
- 4.$1,007
- 5.$1,093
For this guide, MoneyGeek collected average rates for a 40-year-old male driver in Beaumont seeking a full coverage policy, as defined on our methodology page.
Full coverage typically costs more than minimum coverage, but it’s also more valuable. A full coverage policy includes comprehensive and collision insurance, which provide added protection against the cost of damage to your vehicle.
- Comprehensive coverage: protects against damages related to theft, fire and other incidents
- Collision coverage: covers the cost of vehicle repairs or replacement in case of an at-fault accident
With an older car, you may end up paying a higher amount for a full coverage policy than the value of the vehicle itself. For the cheapest rates possible, drivers with older vehicles can opt for state-minimum policies.
Compare Car Insurance Rates in Beaumont
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Beaumont for Minimum Coverage
If you’re looking for the cheapest auto insurance policy in Beaumont, a minimum coverage policy is the best option. MoneyGeek found the following cheapest companies in the city, on average, for minimum coverage:
- Farmers: $443 per year
- State Farm: $531 per year
Military members and their families qualify for USAA coverage. This provider offers the cheapest policies in the city at an average of $416 per year.
In Beaumont, Farmers offers the most affordable auto insurance policies, averaging $807 less than coverage offered by The General — the most expensive company in the city.
Although minimum coverage is the cheapest option, it does not include comprehensive and collision insurance. Liability-only insurance only delivers low levels of coverage, leaving you at risk of not being fully covered.
Toggle the table below to see how costs change with different levels of coverage.
Cheapest Minimum Liability Car Insurance in Beaumont
State Minimum
- CompanyState Minimumper year
- 1.$416
- 2.$443
- 3.$531
- 4.$552
- 5.$573
In Texas, all drivers are required to have an auto insurance policy with at least 30/60/25 in liability limits. State minimum coverage is the cheapest option, but it offers less protection.
Although it may help you save on your monthly bill, you may end up paying more out of pocket in case of an accident. If you are involved in an accident and the other party’s medical bills exceed $30,000, you would have to cover the remaining costs yourself.
Texas Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Beaumont if You Have Driving Violations
Individuals with driving violations like a speeding ticket, DUI or an at-fault accident on their records pay higher premiums for auto insurance policies. MoneyGeek found the cheapest companies, on average, for the following violations:
- Cheapest after a speeding ticket: State Farm, $967 per year
- Cheapest after an at-fault accident: State Farm, $1,169 per year
- Cheapest after a DUI: Farmers, $1,218 per year
If you have a poor driving record, you can find cheaper auto insurance rates by improving your record over time. Meanwhile, make sure to shop around and compare quotes to find the best rates for your specific circumstances.
Cheapest Car Insurance in Beaumont With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$967
- 2.$985
- 3.$1,080
- 4.$1,182
- 5.$1,197
Average Cost of Car Insurance in Beaumont
Beaumont$1,305
Texas$1,316
U.S.$1,424
The average annual cost of car insurance in Beaumont is $1,305. This is 0.8% cheaper than the state average and 8.4% lower than the national average. Drivers should ideally shop for car insurance from multiple companies to find the best coverage and rates.
Personalized Quotes to Get You the Cheapest Car Insurance in Beaumont
Drivers should ideally obtain quotes regularly to see if they qualify for discounts as their circumstances change. Car insurance rates vary based on factors such as age, location, marital status, car make and model, driving record and more. To find the best coverage at the cheapest rates, drivers should compare car insurance rates in Beaumont.
Compare Car Insurance Rates in Beaumont
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Beaumont
MoneyGeek analyzed hundreds of quotes to find the best car insurance providers in Beaumont. Based on average rates, claims ratings and user satisfaction scores, the two top-rated companies are:
- Farmers: MoneyGeek score of 93.60 out of 100
- State Farm: MoneyGeek score of 93 out of 100
Since USAA coverage is restricted to military members, we excluded it from this analysis. However, USAA’s score of 95.60 out of 100 makes it the best choice in Texas for military members.
1
Farmers
Score:94
Farmers scored high on satisfaction and claims and has an affordability score of 4.97 out of 5. The average Beaumont driver can purchase a full coverage policy for $822 annually. Farmers offers several add-on coverages, including custom parts coverage, new car replacement, accident forgiveness and rideshare insurance.
More About Farmers
The company’s custom parts coverage, an add-on to comprehensive and collision coverage, pays to replace aftermarket equipment, such as stereo systems and custom wheels. Original equipment manufacturer (OEM) coverage pays to use factory parts in covered repairs and applies to vehicles up to 10 years old.
Read MoneyGeek's Farmers auto Insurance Review2
State Farm
Score:93
In Beaumont, State Farm received high satisfaction and claims scores and an even higher affordability rating. It offers full coverage policies for $967 annually. It has three optional coverages, including rideshare insurance.
More About State Farm
State Farm’s unique rideshare insurance pays for medical expenses and roadside assistance while drivers are working for a ridesharing company. Except for liability insurance, coverage remains in effect as long as the app is on and the driver is available for hire. Beaumont drivers may also purchase rental car and/or travel reimbursement, which pays for travel expenses if you have an accident while driving a rental car. Lastly, the roadside assistance add-on pays for towing, mechanical labor, gas and oil delivery and locksmith labor.
Read MoneyGeek's State Farm auto Insurance ReviewAverage Cost of Car Insurance by Postal Code
Your ZIP code plays a role in car insurance costs too. Localities with high numbers of uninsured motorists, accidents, car thefts and other risk factors are more expensive to cover. In Beaumont, Texas, drivers in ZIP code 77706 pay an average of $40 less per year for car insurance than drivers in the neighboring 77705 ZIP code.
- Zip CodeState Minimumper year
- 77706$1,285
- 77705$1,325
Factors That Impact Insurance Costs in Beaumont
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Beaumont. How Beaumont ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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