Cheapest Auto Insurance in Beaumont, Texas (2025)
State Farm offers the cheapest car insurance in Beaumont, with minimum-coverage policies as low as $63 per month.
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Beaumont drivers pay $190 per month for car insurance on average, which is higher than the overall national average of $143 and the state average of $171.
Drivers in the Texas city may face expensive rates due to its high rate of car accidents. In 2022, Beaumont had 3,451 recorded car accidents. Though it ranks 36th in city population, Beaumont had the 16th most car accidents out of all Texas cities.1
The cheapest car insurance companies in Beaumont are State Farm, Mile Auto, and Allstate. You can find the cheapest insurer for your insurance needs by comparing quotes from multiple companies.
Here’s what you need to know about finding cheap car insurance in Beaumont.
Cheapest car insurance companies in Beaumont
The auto insurance company that works best for you will depend on your financial situation and insurance needs. You’ll need to select a policy from a number of vehicle coverage types, which will influence how much you pay for coverage.
Start your insurance shopping process by considering three of the top insurers in Beaumont: Nationwide, GEICO, and Allstate. The quotes reflect average rates in Texas.
Best insurer for safe drivers: Nationwide
Best insurer for senior drivers: GEICO
Best insurer for pay-per-mile insurance: Allstate
How to get the cheapest car insurance in Beaumont
Insurance companies consider your age, credit-based insurance score, marital status, and driving history to calculate your car insurance premium, along with the rates of accidents, uninsured motorists, and natural disasters in your area.
Though you can’t control many factors that affect insurance costs, you can take steps to secure a cheaper policy:
Shop around. Compare quotes from several car insurance companies to find the best deal.
Inquire about discounts. Car insurance companies typically offer a number of discounts, including military, student, and bundling discounts.
Increase your deductible. Setting a higher deductible can lower your premium.5
Complete a defensive driving course. You can often quality for a defensive driver discount by taking a driving safety class approved by the state.
Cheapest liability-only car insurance in Beaumont: State Farm
Liability-only insurance covers damages and bodily injuries to the other driver if you caused an auto accident. It doesn’t cover the costs of fixing your vehicle and medical expenses from accident-related injuries. On average, Beaumont drivers pay $143 per month for liability coverage.
The cheapest insurer for liability-only car insurance in Beaumont is State Farm, with an average cost of $63 per month. Compare quotes from more of the city’s cheapest insurers below.
Cheapest full-coverage car insurance in Beaumont: State Farm
Full-coverage auto insurance offers more financial protection than liability-only coverage. It covers your vehicle damage following an accident or non-collision incident. You may need to buy this coverage if you lease or finance your vehicle because most lenders and dealers require it.
Beaumont drivers pay an average of $237 per month for full-coverage insurance. Here are quotes from some of the cheapest insurers in Beaumont.
Car insurance requirements in Texas
Texas is an at-fault state, which means the driver responsible for the accident has to cover the medical costs and vehicle repairs of the other party and any passengers. Drivers in Texas must carry a minimum amount of bodily injury and property damage liability coverage.6
Here are the state’s specific minimum insurance requirements:
Most drivers should consider purchasing coverage beyond the state’s minimum liability requirements to extend coverage to their vehicle. Common optional coverages to consider include:
Texas Automobile Insurance Plan Association
The Texas Automobile Insurance Plan Association (TAIPA) provides basic coverage for people who can’t find an insurance company to offer them a policy. TAIPA sells the minimum insurance required by law to operate a vehicle and costs more than traditional auto insurance policies.
If you haven’t had any tickets or accidents, insurance companies will likely offer you a cheaper policy than what TAIPA quotes.7
Cheapest car insurance for drivers with an incident
Insurance companies typically charge higher rates to drivers with one or more incidents on their record. Driving incidents include moving violations like speeding tickets, driving under the influence (DUI), and at-fault accidents. Other violations include driving without insurance, receiving citations, and operating a vehicle without a driver’s license.
On average, Beaumont drivers with a past incident pay $220 per month for car insurance. Your specific premium will depend on the severity and frequency of incidents on your record.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Along with traffic citations, speeding can result in car accidents and increased insurance premiums. Insurers view past speeding tickets as a risk indicator of future incidents and claims.
The average cost of car insurance in Beaumont for a driver with a past speeding ticket is $227. Find quotes from some of the cheapest Beaumont insurers below.
Cheapest car insurance for drivers with an at-fault accident: State Farm
How much your premium increases after an at-fault accident depends on the severity of the accident and the cost of your insurance claim.8 Beaumont drivers with a past at-fault accident pay an average of $243 per month for car insurance.
Compare quotes for drivers with a past accident below.
Cheapest car insurance for drivers with a DUI: State Farm
Operating a vehicle with a blood alcohol content (BAC) level of 0.08 or higher can result in a charge for DUI. In 2020, drunk driving incidents in Texas killed 863 people and severely injured 2,114.9 Because of their history of drunk driving, insurers will increase premiums for drivers with a DUI to account for the added risk.
Drivers with a past DUI in Beaumont pay an average of $306 per month for car insurance. The companies below offer competitive rates.
Cheapest car insurance for seniors: State Farm
Your age affects how much you pay for car insurance. Around age 35, your car insurance rates will likely begin to decrease steadily because you have more experience on the road. However, around the time you turn 70, your rates may increase again due to aging-related risk factors.
The average cost of car insurance for senior drivers in Beaumont is $161 per month. Find the city’s cheapest insurers for older drivers below.
Cheapest car insurance for teens: State Farm
Teenagers pay the highest average rates for auto insurance by driver age due to limited driving experience, which leads to more moving violations and accidents. Though you can’t change your age, you can find ways to get cheap car insurance.
Driving a safe car, taking an approved defensive driving course, joining your parents’ existing car insurance policy, and earning good grades can all help you earn a cheaper insurance premium. On average, teen drivers in Beaumont pay $372 per month for car insurance.
Here are the cheapest insurers for teen drivers in the city.
Beaumont car insurance quotes by credit tier
Though insurance companies in Texas can factor your credit-based insurance score into your insurance rate, they can’t disqualify you as a customer based on that alone. Insurance companies look at your financial health to gauge if you can make your car insurance payments in full and on time.
Drivers with excellent or good credit scores often pay lower rates because they pose less of a financial risk to insurers than people with poor credit scores. Here are the average rates for car insurance by credit tier in Beaumont.
Is car insurance more expensive in Beaumont?
Car insurance in Beaumont costs $190 per month on average, which exceeds the state average of $171 and the national average of $143.
Within Texas, car insurance premiums vary by city and ZIP code based on factors like crime rates, population density, accident rates, and more. Beaumont had more car accidents occur in 2022 than many other Texas cities, which may explain the above-average rates.
More cities in Texas
Though average car insurance rates in Beaumont are higher than the state average, drivers in a few more populated cities pay higher average rates. Find the average rates in other Texas cities below.
Beaumont car insurance FAQs
Before you start comparing quotes from different insurers, you should decide how much auto coverage you need. The information below should help answer your remaining questions about finding cheap car insurance in Beaumont.
How much is car insurance in Beaumont, Texas?
The average cost of car insurance in Beaumont is $190 per month. Drivers in the city pay $143 per month for liability coverage and $237 for full coverage, on average.
Which company has the cheapest car insurance in Beaumont?
State Farm is the cheapest insurer in Beaumont, with an average monthly quote of $63 for liability coverage. The best way to find the cheapest car insurance for your needs is to compare quotes from multiple insurance companies.
What are the best car insurance companies in Beaumont?
With an Insurify Quality (IQ) Score of 4.2 out of 5, an A++ (Superior) financial strength rating from AM Best, and numerous available discounts, GEICO is the best car insurance company in Beaumont. Other top insurers include Nationwide and Allstate.
What is the average monthly car insurance cost in Texas?
Drivers in Texas pay $124 per month for liability coverage and $218 for full-coverage insurance. The overall average cost of coverage in the state is $171 per month.
What is the bare minimum car insurance in Texas?
Texas drivers must carry a minimum of $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage.
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