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How much is car insurance in Beaumont?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Beaumont is about $4 cheaper than it is in the rest of California.
Compared to the national average cost of auto insurance coverage, Beaumont has lower rates. You can expect to pay about $28 less for your policy in Beaumont than in the rest of U.S.
While these are the average costs to insure your vehicle in Beaumont, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Beaumont residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may climb back up in Beaumont.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Beaumont, male drivers pay about $11 more a month. Based on the chart above, you can see that male drivers pay $57 on average, while female drivers typically pay $46 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay much less than those with infractions. In Beaumont, having a single accident on your record will usually get you rates around $61 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $58.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$55|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Beaumont, with drivers paying around $41 per month to insure their vehicle.
SUV drivers will see rates of about $55, while the rates for car owners average out to about $53 per month.
Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Beaumont, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Generally speaking, people who are married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Beaumont, with married couples paying about $16 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$60|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $1 a month more than if you own your own home in Beaumont. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Beaumont, CA
Recent trends in car insurance for Beaumont drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for auto insurance in Beaumont went up from 2016-2017, before leveling out in 2018. They finished up in 2021, at $61 a month
How does Beaumont compare to neighboring areas?
Why are car insurance rates in Beaumont different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Local laws
- Access to off-street parking
- General road safety (how many accidents each locality has)
- Area crime rates
- Total number of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Beaumont?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing coverage in Beaumont.
Beaumont Insurance FAQs
What factors affect car insurance quotes in Beaumont?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Beaumont different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Beaumont?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Beaumont?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Beaumont or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?