Cheapest car insurance companies in Beaumont 

Texas Farm Bureau and Nationwide have the cheapest car insurance premiums for Beaumont drivers in 2023, based on a data study by Insurance.com. 

Texas Farm Bureau is the cheapest option for most Beaumont drivers, with an average annual rate of $1,420

The cost of car insurance in Beaumont varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Beaumont.

CompaniesAverage annual rates
Texas Farm Bureau$1,420
Nationwide$1,530
Geico$1,821
USAA$1,942
Auto Club Enterprises (AAA)$2,100
State Farm$2,120
Redpoint County Mutual$2,208
Progressive$3,084
Allstate$3,120

Cheapest car insurance cost in Beaumont by Age Group 

Redpoint County Mutual is the cheapest option for car insurance in Beaumont for teen drivers, with average annual premiums at just $2,208 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

When compared to other car insurance companies, Texas Farm Bureau turned out to be the cheapest car insurance company for young drivers in Beaumont, offering full coverage at an annual average cost of $1,962.

Drivers in Beaumont stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Texas Farm Bureau has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,405 a year

Texas Farm Bureau is the cheapest option for senior drivers in Beaumont, with an average premium of $1,195 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
Redpoint County Mutual$2,208$2,208$2,208$2,208
Texas Farm Bureau$2,720$1,962$1,405$1,195
USAA$4,205$2,788$1,961$2,001
Geico$4,613$2,516$1,811$1,773
Nationwide$5,727$2,753$1,522$1,519
State Farm$5,767$3,419$2,122$2,020
Allstate$6,358$4,365$3,152$3,045
Auto Club Enterprises (AAA)$6,892$3,835$2,142$2,160
Progressive$8,195$5,410$3,113$3,159

Cheapest car insurance companies in Beaumont by driver profile 

Car insurance rates in Beaumont vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations

When it comes to finding the cheapest car insurance rates in Beaumont, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.

Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Beaumont drivers based on driver profile.

Nationwide is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Beaumont drivers is $2,104

Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Beaumont.

CompanyAverage annual rates
Nationwide$2,104
State Farm$2,992
USAA$3,172
Farmers$3,201
Progressive$3,461
Geico$4,535
Allstate$5,399

In Beaumont, State Farm provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,438, on average. 

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs. 

CompanyAverage annual premium
State Farm$1,438
Nationwide$1,828
USAA$2,017
Geico$2,670
Progressive$2,744
Allstate$3,398
Farmers$3,948

If you've had an accident, State Farm might be your best bet for affordable auto insurance.

For Beaumont drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,821. It's a great option if you're looking for affordable coverage that won't break the bank.

After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.

CompanyAverage annual rates
State Farm$1,821
Nationwide$2,389
Geico$3,012
USAA$3,253
Progressive$3,570
Farmers$5,799
Allstate$5,814

State Farm is the carrier that offers cheap auto insurance rates in Beaumont for drivers after a DUI. Its average annual rate for full coverage is $2,675

A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.

CompanyAverage annual rates
State Farm$2,675
Progressive$2,988
USAA$3,074
Nationwide$3,313
Farmers$3,403
Geico$3,475
Allstate$6,902

Average car insurance cost in Beaumont 

In Beaumont, the average annual cost for full coverage car insurance is around $2,149, which breaks down to approximately $179 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Beaumont is about $666.

Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.

Average annual RatesState minimum average
$2,149$666

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.