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Car Insurance Quotes in Beaumont, TX (Mar 2024)

Get cheap car insurance quotes in Beaumont, TX in under a minute with Jerry. Rates start as low as $56/month for state minimum liability.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
Navigating the roads of Beaumont,
Texas
comes with its own unique set of challenges, from unpredictable weather to bustling traffic—all of which lead to the inevitable costs of
car insurance
.
On average, a liability-only policy in Beaumont will set you back about $56 monthly, while full coverage costs around $130 per month. This is right on par with the Texas average, and less than the national average, but still a major expense for most households.
Let’s take a look at what’s driving car insurance costs in Beaumont, TX and how you can keep yours affordable. 

How to find affordable car insurance in Beaumont, TX

Here are some key points on how to find affordable car insurance in Beaumont, TX:
Factor
Reason
Shop around
Obtain quotes from different insurance providers to compare rates. Online comparison tools and contacting local agents can be helpful.
Bundle policies
Consider 
bundling your auto insurance policy
 with other policies like home insurance or renters insurance to unlock potential discounts. 
Maintain a good driving record
Safe driving can lead to lower premiums. Avoid accidents and traffic violations to keep your record clean.
Choose the right coverage
Tailor your coverage to fit your specific needs. While it’s important to have adequate coverage, avoid unnecessary add-ons that can increase costs.
Increase deductibles
Raising your 
deductibles
 can lower your premiums, but be sure you can comfortably cover the higher deductible if you need to file a claim.
Ask about discounts
Inquire about available discounts such as 
safe driver discounts
good student discounts
, or even 
car insurance discounts
 for specific professions.
Monitor your credit
Your credit score can impact your insurance rates. Maintaining good credit can help you secure lower premiums.
Drive a safer car
Vehicles with safety features and good safety ratings may qualify for lower insurance rates.
Consider usage-based insurance
Some insurers offer policies that base premiums on your actual driving habits. If you’re a safe driver, this could lead to lower rates.
Review and update regularly
Your circumstances may change over time, so it’s essential to revisit your insurance policy at least annually, if not more often, to ensure you still have the most cost-effective coverage.

Average cost of car insurance in Beaumont, TX

Not sure if you’re overpaying for car insurance? The table below shows how average rates for full coverage stack up in Beaumont, the state of Texas, and the United States: 
Location
Average Cost of Full Coverage Car Insurance (per month)
Beaumont
$129
Texas
$130
United States
$149
When it comes to state minimum coverage, it’s a slightly different picture. 
Location
Average Cost of State Minimum Coverage (per month)
Beaumont
$56
Texas
$115
United States
$62

The best car insurance companies in Beaumont, TX

In Beaumont, TX, several car insurance companies stand out for their strong customer service, competitive rates, and overall reliability. While the “best” car insurance company can vary depending on individual needs and circumstances, here are some of the top options that consistently receive positive reviews from Beaumont residents.

State Farm

State Farm is a well-known and respected insurance provider with a strong local presence in Beaumont. They offer a wide range of coverage options, excellent customer service, and competitive rates. Many customers appreciate their responsive claims handling and the availability of local agents for personalized assistance.
Read More

GEICO

GEICO is known for its affordability and user-friendly online tools. Beaumont residents often choose GEICO for its competitive rates, easy-to-use website and app, and efficient claims process. Their 24/7 customer support is a plus for those seeking assistance at any time.
Read More

Allstate

Allstate is another reputable option in Beaumont, offering a variety of coverage choices and a strong network of local agents. They are known for their personalized service and numerous discounts, making it a popular choice among residents looking for tailored coverage.
Read More

Progressive

Progressive is praised for its innovative approach to insurance, including usage-based insurance options like Snapshot. Their competitive rates and user-friendly online tools make it an attractive choice for tech-savvy Beaumont drivers.
Read More

Farmers Insurance

Farmers Insurance has a solid presence in the area and offers a wide range of coverage options. Many residents appreciate their personalized approach, local agents, and competitive rates, particularly for those with specific insurance needs.
Read More
Remember that the "best" insurance company can vary depending on factors like your driving history, the type of coverage you need, and your budget. It's essential to obtain quotes from multiple insurers, compare coverage options, and read customer reviews to find the right fit for your specific situation. 
Additionally, consider consulting with an
independent insurance broker
or insurance agency that can provide personalized guidance based on your needs.
Car owners in Beaumont, TX have witnessed a notable increase in auto insurance premiums reflecting broader trends across the state. Here are some of the most noteworthy influences:
  • Rising premiums: Like most of the US, Beaumont has seen a general upward trend in car insurance premiums. In Texas alone, regulators approved 122 rate hikes in Q2 of 2023 alone, 40 of which were for more than 10%. Included among these hikes were three of Beaumont’s most popular providers: GEICO, State Farm, and Allstate. 1 Also driving these increases are factors such as rising repair costs, inflation, and an overall increase in auto accidents.
  • Severe weather: Texas is ranked first in the nation for frequency and variety of natural disasters and that frequency is on the rise. 2 Beaumont is prone to hurricanes and severe weather events, which can lead to a temporary spike in insurance premiums due to an increased risk of claims related to storm damage. Insurers may adjust their rates based on the likelihood of such events.
  • Changes in driving habits: The COVID-19 pandemic led to changes in driving habits, with many people working from home and driving less. Some insurers responded by offering discounts or rebates to policyholders. However, as driving patterns return to normal, these discounts may be less prevalent.
As the industry continues to evolve, policyholders in Beaumont should keep an eye on these trends and explore options to help mitigate the impact of rising car insurance costs.

What are the minimum car insurance requirements in Texas? 

Texas drivers are required to carry minimum auto insurance coverage to operate a vehicle legally on public roads.
The state's minimum insurance requirements
consist of what is commonly referred to as "30/60/25" coverage:
  • $30,000
    bodily injury liability
    per person: This means your insurance policy must provide a minimum of $30,000 in coverage for bodily injuries sustained by an individual in an accident for which you are at fault.
  • $60,000 bodily injury liability per accident: Your policy must also have a minimum of $60,000 in coverage for total bodily injuries for multiple individuals in an accident for which you are at fault.
  • $25,000
    property damage liability
    : You must have at least $25,000 in coverage for property damage resulting from an accident for which you are at fault. This coverage helps pay for the repair or replacement of other vehicles or property damaged in the accident.
These minimum requirements are designed to provide some financial and legal protection for both drivers and victims in the event of an accident. But many experts recommend considering higher coverage limits as these minimums may not cover all expenses fully in a severe accident, potentially leaving you personally responsible for any excess costs.
In Texas, car insurance companies must offer $2,500 of personal injury protection (PIP) coverage, but you’re not obligated to buy it. They’re also required to offer uninsured/underinsured motorists coverage (UM/UIM) but you don’t have to buy that, either. 

Liability vs. full coverage: Which should you get in Beaumont, TX? 

If you're trying to decide if state minimum coverage is enough to protect you and your finances, here's a bit of expert advice to guide you. 

State minimum insurance leaves you financially vulnerable 

We get it—state minimum coverage is cheaper than full coverage, which makes it a tempting choice for drivers on a budget. Unfortunately, while it may save you money now, it could wind up costing you thousands of dollars if you cause a serious accident. 
To make sure you’re fully protected from lawsuits if you cause an accident, insurance experts recommend purchasing a policy with enough liability coverage to protect all your current assets, as well as anticipated future earnings. 
It only takes a single mistake to put your financial safety in jeopardy, and raising your liability limits to $100k/$300k/$100k or higher typically only costs a few extra dollars each month.

Full coverage costs more upfront but provides a financial safety net 

Full coverage
costs more than minimum coverage—but it provides not only the increased liability limits you need but also the physical damage coverage for your own car that liability coverage lacks.
Collision insurance
repairs your car if it's damaged in a collision with another vehicle or object. Car accidents are usually when collision coverage is involved.
Comprehensive insurance
covers damage from theft, fire, vandalism, and natural disasters. 
The bottom line: You may pay a bit more per month for full coverage but you could save thousands in the long run if you cause a serious accident. Plus, you’ll have the peace of mind knowing your car—and your wallet—are protected against damages from things like hurricanes, floods, and other severe weather events Beaumont residents have to deal with.

Optional add-on coverage

When it comes to optional add-on car insurance coverage in Beaumont, Texas, drivers have several choices to tailor their policies to their unique needs and preferences. These include:
Add-on
Benefits
This coverage protects you if you're involved in an accident with a driver who has little or no insurance. It can help cover your medical expenses and property damage when the at-fault driver doesn't have adequate coverage.
Guaranteed asset protection, or gap insurance, will cover the ‘gap’ between your vehicle’s actual cash value and remaining loan balance at the time of a total loss accident.
Collision coverage helps pay for repairs to your vehicle if it's damaged in an accident, regardless of fault. This coverage can be especially valuable in Beaumont, where severe weather events and increased traffic can lead to a higher risk of accidents.
Comprehensive coverage protects your vehicle from non-collision-related damages, such as theft, vandalism, hail, and flooding. Given Beaumont's vulnerability to hurricanes and severe weather, comprehensive coverage can be vital for safeguarding your car.
This coverage provides peace of mind by covering the cost of emergency services like towing, jump-starts, flat tire changes, and lockout assistance, ensuring you're not stranded in Beaumont's varying driving conditions.
These optional add-on coverages allow Beaumont residents to customize their car insurance policies to better suit their specific needs and concerns, considering factors like climate, driving habits, and financial circumstances.

Penalties for driving without insurance in Beaumont

Driving without car insurance
in Texas can lead to a range of penalties and consequences, including:  
First offense:
  • Fine: $175 to $350
Subsequent offenses:
  • Fine: $350 to $1,000
  • Driver’s license suspension: Your license will be suspended until you can provide
    proof of insurance
  • License Reinstatement fee: $100
Your vehicle may also be impounded if you’re caught driving without insurance, and you’ll likely be charged a $15 fee to retrieve it.
Texas used to charge an annual $250 surcharge for three years upon conviction for several traffic offenses, including lack of insurance. The
Driver Responsibility Program
was repealed in 2019. 
In addition to the fines and penalties listed above, you’ll also face serious consequences if you cause an accident while driving without insurance. Not only will you be financially responsible for all damages, but if you’re unable to pay out of pocket, you’ll likely be facing a lawsuit.

What affects the cost of car insurance in Beaumont, TX?

The cost of car insurance in Beaumont, TX, is influenced by several factors.
Factor
Reason
Driving record
Your driving record plays a significant role in determining your car insurance rates. Drivers with a
 clean record
 and no accidents or traffic violations typically enjoy lower premiums.
Age and gender
Young and inexperienced drivers, senior drivers, and male drivers, often pay higher premiums due to a higher perceived risk.
Vehicle type
The make and model of your vehicle, as well as its age and safety features, can impact your insurance rates. Sports cars and luxury vehicles generally have higher premiums due to their higher repair and replacement costs.
Coverage level
The type and amount of coverage you choose significantly affects your premiums. Comprehensive and collision coverage will raise your rates, while liability-only coverage is typically more affordable, though it offers less protection.
Credit score
In many states, including Texas, your credit score is used as a factor in determining your insurance rates. Maintaining good credit can lead to lower premiums.
Location
Beaumont's geographic location can impact insurance rates. Urban areas tend to have higher premiums due to increased traffic, higher accident rates, and the potential for theft and vandalism. 
Local climate
Beaumont's susceptibility to severe weather events, such as hurricanes and flooding, can influence insurance costs, particularly for comprehensive coverage.
Annual mileage
How much you drive annually can affect your rates. The more you drive, the higher your risk of being involved in an accident, which can lead to higher premiums.
Deductibles
Choosing a higher deductible can lower your premium, but you'll be responsible for more out-of-pocket expenses in the event of a claim.
Discounts
Many insurers offer discounts for factors like safe driving, bundling multiple policies, and installing anti-theft devices in your vehicle. Taking advantage of these discounts can reduce your premium.
Marital status
Married individuals may qualify for lower rates, as they are statistically seen as safer drivers.
Previous insurance history
Maintaining continuous coverage and having a history of prior insurance can sometimes lead to lower rates.
Claims history
A history of making insurance claims can lead to higher premiums.
To find the most cost-effective car insurance in Beaumont, shop around, obtain quotes from multiple insurers, and consider your specific needs and circumstances. Keep in mind that insurance rates can vary significantly among providers, so comparing options is essential for securing the best coverage at an affordable price.

Age

Age greatly influences car insurance rates, with higher costs for inexperienced teen drivers. Rates decrease as young drivers gain experience in their 20s and beyond, then rise again for seniors over the age of 75.

Monthly car insurance rates for Beaumont drivers aged 21-24

Insurance companyAverage monthly premium
State Auto$148
Electric
$184
National General$204
Mercury$214
Clearcover
$214
Progressive$225
Allstate$249

Monthly car insurance rates for Beaumont drivers aged 25-34

Insurance companyAverage monthly premium
State Auto$148
Assurance America$149
Travelers$169
Mercury$173
Infinity$176
Kemper$179
Safeco$183

Monthly car insurance rates for Beaumont drivers aged 35-44

Insurance companyAverage monthly premium
Allstate$113
Commonwealth Insurance$120
Kemper$129
Infinity$141
Safeco$154
Travelers$154
Mercury$154

Monthly car insurance rates for Beaumont drivers aged 45-54

Insurance companyAverage monthly premium
State Auto$93
Kemper$104
Travelers$114
Infinity$119
Allstate$120
Safeco$120
Mercury$134

Monthly car insurance rates for seniors in Beaumont

Insurance companyAverage monthly premium
Bristol West$84
Progressive$96
National General$101
Mercury$105
Kemper$108
Safeco$118
Clearcover
$161

Gender

In Beaumont, men pay slightly less for car insurance than women. 
Average annual premium
Male$2,300
Female$2,132

Housing situation

If you’re a Beaumont homeowner, you may qualify for lower rates than if you rent a home or apartment. Regardless of whether you rent or own, you’ll still be eligible for a discount if you bundle your home insurance or renters insurance with your auto coverage.

Credit score

A low
credit score
can raise your car insurance premiums significantly. 
We investigated the monthly rate for full coverage car insurance for drivers with poor credit and found drivers with a score less than 680 paid about $17 more per month for full coverage than those with a score above 680.

Vehicle

Like most Texans, Beaumont drivers love a good pickup truck. But for practicality’s sake, the economical and fuel-efficient Toyota Camry is also a favorite among commuters. 
Let’s see how the average monthly cost of insurance compares between Beaumont’s three most popular vehicles:
You’ll pay more to insure higher trims of each of these models, such as the F-150 King Ranch. 

Military drivers

Members of the military and their families living in Beaumont are eligible for added discounts, such as a storage discount during emergency deployment from insurers like GEICO and USAA. If you’re active or retired military, or part of a military family, talk to your insurance agent about
possible military discounts

Crime

Beaumont has one of the highest crime rates in both Texas and the US. So high, in fact, that
crimegrade.org
gives the city an F for both violent and property crimes. 
This average crime rate doesn’t impact all neighborhoods the same way, though. For example, areas in the west of the city experience less crime than those in the southeast.
To see how this might affect your insurance rates in Beaumont, check out the tables below that break down insurance rates by zip code.

The cheapest zip codes in Beaumont

Zip codeAverage monthly premium
77713$1,891
77705$1,998
77706$2,105
77701$2,164
77703$2,299

The most expensive zip codes in Beaumont

Zip codeAverage annual premium
77708$3,889
77707$3,707
77702$3,408
77703$3,333
77701$3,419

Driving record

Your driving record is a crucial factor in calculating your car insurance rates because it helps insurers assess the level of risk you pose as a driver. A clean record with safe driving behavior typically results in lower rates, while a history of violations, accidents, or high-risk behavior can lead to higher premiums.
The table below outlines how certain violations can affect your insurance premiums.

Average monthly rates after a violation in Beaumont, TX

ViolationAverage monthly premium
Speeding over 15$273
Speeding under 15$232
Suspension$215
Other$181
Improper Passing$181
Failure to Obey Traffic Sign$101
Driving on Sus. License$71

SR-22 insurance in Beaumont, TX

Infractions like speeding tickets have a different impact on your
Texas driving record
than serious violations, like DUIs or reckless driving. Following major convictions like these, you’ll usually be required to file an
SR-22
with the TX Department of Motor Vehicles (DMV) for three to five years.
An SR-22 serves as proof of financial responsibility by demonstrating to the DMV that you’ve purchased an insurance policy that meets or exceeds Texas insurance requirements. That’s why an SR-22 is also sometimes required after the DMV has recorded a
lapse in coverage
.
Your insurance company will usually file this on your behalf, but not all providers in Beaumont will offer coverage for drivers who require an SR-22—those that do, usually charge much higher rates as a result of the violations that resulted in the filing requirement.
To find the cheapest rates on Beaumont car insurance with an SR-22, compare rates from several different insurance providers, including
non-standard companies
that specialize in coverage for high-risk drivers. 

FAQs

Who is the cheapest car insurance in Beaumont?

Some well-known insurance companies that often offer competitive rates in Texas include GEICO, State Farm, Progressive, Allstate, and Farmers Insurance. But the rates can vary widely, so it's crucial to shop around and consider factors like coverage options and discounts when making your decision.

Who normally has the cheapest car insurance?

While no one provider will always have the cheapest rates for all drivers, State Farm tends to offer some of the lowest average rates in the industry. Other providers known for offering low rates include Progressive and USAA, for those who qualify.

How much is car insurance per month in Texas?

Texas drivers pay an average of $1,563 per year or $130 per month for full coverage. A liability-only policy averages about $635 per year and $53 per month.

Why is auto insurance so high in Texas?

A key factor driving up Texas’s auto insurance policy rates is the frequency and variety of natural disasters that can lead to high-dollar comprehensive coverage claims.

What is the average car insurance price in Beaumont, Texas? 

The average cost of car insurance in Beaumont, Texas is $56 per month for minimum coverage and $130 per month for full coverage. 

What does car insurance cover?

What your car insurance covers depends on the type of policies, limits, deductibles, and add-ons you choose. 
At its most basic, car insurance covers damages and medical bills for other drivers if you cause an accident. At its most comprehensive, car insurance provides financial protection for you and your vehicle, as well as coverage for towing, glass repairs, and even some mechanical repairs.

What is the process of getting car insurance in Texas?

The process of getting car insurance in Texas is similar to any other state. You should begin by comparing quotes from multiple providers. Once you choose a rate and coverage you like, that provider will verify the information you provided for the quote, finalize your price, and bind your policy.

What is the cheapest full-coverage car insurance in Texas?

The cheapest full-coverage auto policies in Texas include collision and comprehensive on top of minimum liability insurance, with no additional coverage such as uninsured motorist or personal injury protection. 

How often should I update my car insurance policy?

It’s a good idea to shop for new car insurance rates and update your policy as needed about once a year. You can find free quotes in the Jerry app. 

Methodology

All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states. 
Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle. 
Minimum coverage refers to policies with the following coverage limits: 
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability
Full coverage refers to policies that contain at least the minimum liability required by law in Texas along with comprehensive and collision insurance with deductibles of either $500 or $1,000.

Sources

Meet our experts

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Maria Cruz
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Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
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Amy Bobinger
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Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. As a car owner herself, Amy is passionate about creating content that helps consumers navigate challenging and sometimes difficult processes relating to car ownership and achieve financial success in areas relating to cars.
A lifelong writer with over 10 years of experience as a freelance editor, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.