Average car insurance cost in Beaumont

The average car insurance rate in Beaumont for full coverage is $2,149 per year or $179 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Beaumont is $666 per year. The state minimum liability limits are 30/60/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$1,075
Average annual premium$2,149
State minimum premium$666

Cheapest car insurance companies in Beaumont

Texas Farm Bureau offers the cheapest rates on average at $1,420 per year. Nationwide is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Beaumont.

CompanyAverage 6 month rateAverage annual rate
Texas Farm Bureau$710$1,420
Nationwide$765$1,530
Geico$911$1,821
Auto Club Enterprises (AAA)$1,050$2,100
State Farm$1,060$2,120
Redpoint Insurance$1,104$2,208
Progressive$1,542$3,084
Allstate$1,560$3,120
USAA$971$1,942

Cheapest car insurance cost in Beaumont by age group

Car insurance rates in Beaumont vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Beaumont by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Redpoint Insurance
  • Cheapest for young adults: Texas Farm Bureau
  • Cheapest for adults: Texas Farm Bureau
  • Cheapest for seniors: Texas Farm Bureau

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Redpoint Insurance offers the cheapest car insurance for teens at $2,208 per year.

Texas Farm Bureau offers the most affordable auto insurance for young adults at $1,962 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Texas Farm Bureau provides the lowest car insurance rates at $1,405 per year for adult drivers in Beaumont.

Texas Farm Bureau offers the least expensive car insurance for senior drivers in Beaumont, at $1,195 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

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

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.

Below are some of the cheapest car insurance companies in Beaumont by driver profile.

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Beaumont pay about $2,131 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Beaumont.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$1,066$2,131
Auto Club Enterprises (AAA)$1,631$3,262
Allstate$2,445$4,890
Geico$2,492$4,984
Progressive$2,656$5,312
State Farm$5,919$11,838
USAA$1,796$3,592

Cheapest auto insurance after an at-fault accident: State Farm

In Beaumont, State Farm offers the cheapest car insurance for drivers with at-fault accident at $2,466 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Beaumont.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,233$2,466
Nationwide$1,306$2,612
Geico$1,471$2,942
Auto Club Enterprises (AAA)$1,712$3,424
Progressive$2,473$4,945
Allstate$2,487$4,973
USAA$1,549$3,097

Cheapest auto insurance after a DUI: Geico

Geico offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $3,306 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Beaumont.

CompanyAverage 6 month premiumAverage annual premium
Geico$1,653$3,306
State Farm$1,666$3,331
Nationwide$1,686$3,372
Auto Club Enterprises (AAA)$1,737$3,473
Progressive$1,845$3,690
Allstate$2,474$4,947
USAA$1,467$2,933

Cheapest for drivers with a speeding ticket: Nationwide

Nationwide offers the cheapest car insurance at $1,862 in Beaumont for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$931$1,862
Geico$1,467$2,933
Auto Club Enterprises (AAA)$1,557$3,113
Progressive$2,094$4,188
USAA$1,101$2,201

Car insurance discounts for Beaumont drivers

The biggest car insurance discount available in Beaumont is for the years insured category at 40.10%, offered by Auto Club Enterprises (AAA).

Car insurance is essential for drivers in Beaumont, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Beaumont drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$3,5351.32%$47
Air BagsAuto Club Enterprises (AAA)$2,5803.37%$87
Air BagsChubb Ltd$3,3841.53%$52
Air BagsGeico$2,1332.31%$49
Air BagsGermania Insurance$2,2971.04%$24
Air BagsNationwide$1,7872.71%$48
Air BagsTX Farm Bureau$1,5820.26%$4
Anti-Theft DeviceAuto Club Enterprises (AAA)$2,5801.09%$28
Anti-Theft DeviceChubb Ltd$3,3840.77%$26
Anti-Theft DeviceGeico$2,1190.60%$13
Anti-Theft DeviceState Farm$1,4541.38%$20
Daily CommuteChubb Ltd$3,3845.68%$192
Days Advanced PurchaseAllstate$3,5359.05%$320
Days Advanced PurchaseAuto Club Enterprises (AAA)$2,5805.00%$129
Days Advanced PurchaseGermania Insurance$2,2975.53%$127
Days Advanced PurchaseMercury Insurance$2,1425.76%$123
Days Advanced PurchaseNationwide$1,7873.61%$65
Days Advanced PurchaseProgressive$3,4208.05%$275
Days Per Week DrivenChubb Ltd$3,3848.55%$289
Days Per Week DrivenGermania Insurance$2,2979.14%$210
EducationProgressive$3,4205.52%$189
Electronic Funds TransferAllstate$3,5354.53%$160
Electronic Funds TransferMercury Insurance$2,1424.80%$103
Electronic SignatureMercury Insurance$2,1424.83%$103
Electronic SignatureProgressive$3,42012.00%$410
HomeownerAllstate$3,5355.32%$188
HomeownerMercury Insurance$2,1426.70%$143
HomeownerProgressive$3,4202.06%$71
Lower Annual MileageAllstate$3,5357.84%$277
Lower Annual MileageAuto Club Enterprises (AAA)$2,5808.22%$212
Lower Annual MileageGeico$2,1332.98%$64
Loyalty - Years Renewal With CompanyAuto Club Enterprises (AAA)$2,5809.14%$236
Loyalty - Years Renewal With CompanyGermania Insurance$2,2977.01%$161
Loyalty - Years Renewal With CompanyState Farm$1,45423.28%$339
Loyalty - Years Renewal With CompanyTX Farm Bureau$1,5828.01%$127
Marital StatusAllstate$3,53513.13%$464
Marital StatusAuto Club Enterprises (AAA)$2,5803.37%$87
Marital StatusGermania Insurance$2,2976.53%$150
Marital StatusMercury Insurance$2,14211.15%$239
Marital StatusNationwide$1,7876.74%$120
Marital StatusProgressive$3,4205.96%$204
Marital StatusTX Farm Bureau$1,58224.50%$388
Multi PolicyAllstate$3,5356.85%$242
Multi PolicyAuto Club Enterprises (AAA)$2,58010.43%$269
Multi PolicyChubb Ltd$3,38414.09%$477
Multi PolicyGeico$2,1334.88%$104
Multi PolicyGermania Insurance$2,2979.36%$215
Multi PolicyMercury Insurance$2,14211.12%$238
Multi PolicyNationwide$1,7875.97%$107
Multi PolicyProgressive$3,42010.99%$376
Multi PolicyState Farm$1,4549.30%$135
Multi PolicyTX Farm Bureau$1,5828.92%$141
Paperless/Electornic DocumentsMercury Insurance$2,1421.94%$42
Paperless/Electornic DocumentsNationwide$1,7873.61%$65
Paperless/Electornic DocumentsProgressive$3,4200.94%$32
Payment TypeAllstate$3,5359.76%$345
Payment TypeAuto Club Enterprises (AAA)$2,5805.00%$129
Payment TypeGermania Insurance$2,29712.28%$282
Payment TypeMercury Insurance$2,14211.86%$254
Primary UseAllstate$3,5353.61%$128
Primary UseAuto Club Enterprises (AAA)$2,5808.99%$232
Primary UseChubb Ltd$3,3848.55%$289
Primary UseGermania Insurance$2,29712.91%$297
Primary UseNationwide$1,7877.23%$129
Primary UseState Farm$1,45411.38%$166
Primary UseTX Farm Bureau$1,5824.66%$74
ProfessionMercury Insurance$2,1425.48%$117
ProfessionProgressive$3,42013.47%$461
Safety DevicesAllstate$3,5356.78%$240
Safety DevicesChubb Ltd$3,3841.95%$66
Safety DevicesGeico$2,1331.60%$34
Safety DevicesGermania Insurance$2,2977.05%$162
TelematicsNationwide$1,7876.41%$115
TelematicsProgressive$3,42010.00%$342
TelematicsState Farm$1,45413.65%$199
Vehicle OwnershipChubb Ltd$3,3844.70%$159
Years InsuredAllstate$5,20826.64%$1,388
Years InsuredAuto Club Enterprises (AAA)$4,21840.10%$1,691
Years InsuredGeico$2,31510.08%$233
Years InsuredGermania Insurance$2,3931.96%$47
Years InsuredMercury Insurance$3,3096.02%$199
Years InsuredNationwide$2,51810.27%$259
Years InsuredProgressive$4,29012.81%$550
Years InsuredTX Farm Bureau$1,95419.02%$372
Years LicensedAllstate$5,7859.97%$577
Years LicensedAuto Club Enterprises (AAA)$5,48419.72%$1,081
Years LicensedGeico$3,16122.43%$709
Years LicensedGermania Insurance$2,91115.90%$463
Years LicensedNationwide$3,01516.48%$497
Years LicensedProgressive$6,31132.03%$2,022
Years LicensedState Farm$1,78716.33%$292

How to get cheap car insurance in Beaumont in 2025

Find affordable car insurance in Beaumont by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Beaumont.

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.

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