Compare the Cheapest Car Insurance Quotes in Beaumont

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 costs.

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The Cheapest and Best Car Insurance in Beaumont

The Cheapest Car Insurance Companies in Beaumont

For a full coverage policy, the most affordable firms in Beaumont on average are:

  • Farmers: $822 per year
  • USAA: $877 per year (only available to veterans, current military members and their families)

The least expensive carrier is Farmers, with premiums that are 211.3% cheaper than the most expensive provider, The General. Drivers should shop around and compare prices to find the best car insurance in Beaumont.

Please note that these prices are for a 40-year-old male driver with a full coverage policy, which includes liability insurance to cover the cost of third-party damages and comprehensive and collision insurance to cover damages to your own vehicle.

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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.

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The Best Car Insurance Companies in Beaumont

MoneyGeek ranked the best car insurers in Beaumont using a unique scoring system that assessed factors such as affordability, J.D. Power’s user satisfaction ratings and financial stability.

As per our data, the companies with the top scores are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of out 100

Disclaimer: USAA earned our top spot in Beaumont but it is available only to veterans, current military members and their families.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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 quotes in Beaumont.

Shopping around for car insurance in Beaumont could save you $483, which is enough to buy:


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161Cups of Coffee
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37Months of Your Favorite Streaming Service

Cheapest Car Insurance in Beaumont by Coverage Amount

The amount of coverage you opt for has a big impact on your car insurance cost in Beaumont. For the state’s minimum coverage level, you need to pay an average of $673 per year, while for 100/300/100 full coverage, the cost is $1,305, a difference of $633.

Texas Minimum Liability Requirements

  • Item
    Description
  • 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.

If you’re wondering what the 50/100/50 limits stand for, $50,000 is available for injuries per person, with $100,000 for total injuries per accident and $50,000 for property damage.

In Beaumont, Farmers’ rate for 50/100/50 liability-only coverage is an average of $473 per year. For 50/100/50 full coverage, the company charges $771. The higher cost is often worth paying as full coverage can give you higher liability limits and greater protection in an at-fault accident. To find affordable car insurance in Beaumont, you should shop around and compare rates from several providers.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Beaumont if You Have Driving Violations

Driving offenses are not only risky but can also increase car insurance costs. In Beaumont, a Farmers policyholder with no violations pays an average of $822 per year for their car insurance. A customer with a speeding ticket needs to pay $258 more per year for their coverage.

Other violations can be expensive too. Those with an at-fault accident pay roughly $350 more, while customers with a DUI need to shell out $396 extra per year on average compared to clean drivers.

Average 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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities25th/300
handcuffs2 icon
Most Car Thefts111th/300
uninsured icon
Most Uninsured Motorists by State16th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall17th/300
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Most Rainy Days112th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Beaumont are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.