The average Beaumont driver shells out $181 per month for car insurance. But many can find good rates for as little as $61 per month, from some of the best car insurance companies in the city, like State Farm and Allstate.
We’ll tell you how to reduce your auto insurance costs, from understanding the importance of your specific risk factors to using car insurance comparison sites.
The best car insurance deal in Beaumont is from State Farm, with rates as low as $61 per month for liability-only coverage.
Liability policies average $133 per month in Beaumont, and full coverage averages $229 monthly.
Ongoing construction along the Eastex Interchange through 2030 makes accidents more likely, which increases car insurance for Beaumont drivers.[1]
The Cheapest Car Insurance Companies in Beaumont, Texas
You can find budget-friendly coverage in Beaumont. But with so many companies claiming to offer the best deals, shopping around for auto insurance can feel overwhelming. Some insurers deliver low premiums for Golden Triangle drivers, making them worth your attention when it’s time to renew or switch policies.
Check out the chart below for the cheapest car insurance options in Beaumont, according to Compare.com research.
Company | Average Monthly Premium |
|---|---|
| State Farm | $61 |
| Allstate | $87 |
| Mile Auto | $89 |
| Progressive | $89 |
| GEICO | $98 |
| USAA | $110 |
| Mercury | $121 |
| First Acceptance | $122 |
| The General | $125 |
| Alinsco | $127 |
| Lone Star | $131 |
| GAINSCO | $135 |
| Commonwealth Casualty | $136 |
| Nationwide | $137 |
| Clearcover | $139 |
| Bristol West | $140 |
| Covercube | $142 |
| Dairyland | $143 |
| Root | $143 |
| Mendota | $148 |
| AssuranceAmerica | $149 |
| Sun Coast | $151 |
| Excepsure | $152 |
| Direct Auto | $158 |
| National General | $163 |
| Loop | $165 |
| Elephant | $168 |
| Chubb | $185 |
| Trexis One | $192 |
| Insurify Car | $214 |
| 21st Century | $215 |
| Hugo | $222 |
| Liberty Mutual | $257 |
| Foremost | $303 |
Cheapest Car Insurance in Beaumont by Driver and Coverage Type
Insurance companies don’t treat all drivers the same. Key factors — like your age, driving record, and credit history — directly affect your premium. A new driver typically pays more for coverage than a senior with decades of experience. And someone with a recent accident likely pays more than a driver with a spotless record.
Here are Beaumont’s cheapest insurers for different driver profiles and coverage levels, according to Compare.com data.
Driver or Policy Type | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Liability only | State Farm | $61 |
| Full coverage | State Farm | $121 |
| Teens | State Farm | $122 |
| Seniors | State Farm | $47 |
| Recent speeding ticket | State Farm | $77 |
| Recent at-fault accident | State Farm | $81 |
| DWI conviction | State Farm | $87 |
| Excellent credit | State Farm | $51 |
| Poor credit | State Farm | $88 |
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Comparing quotes can save you up to $867.*
Texas requires drivers to have bodily injury liability and property damage liability coverage to drive legally in the state.[2] Liability-only insurance works best for drivers with older vehicles or with tight budgets. The average minimum-coverage premium for Beaumont drivers is $133 per month.
The five companies below offer the most affordable liability coverage in Beaumont, according to our data.
The below rates in Beaumont, TX, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Average Liability Rates by Company
CompanyAverage Monthly PremiumState Farm $61 Allstate $87 Mile Auto $89 Progressive $89 GEICO $98 USAA $110 Mercury $121 First Acceptance $122 The General $125 Alinsco $127 Lone Star $131 GAINSCO $135 Commonwealth Casualty $136 Nationwide $137 Clearcover $139 Bristol West $140 Covercube $142 Dairyland $143 Root $143 Mendota $148 AssuranceAmerica $149 Sun Coast $151 Excepsure $152 Safeco $155 Direct Auto $158 National General $163 Loop $165 Elephant $168 Chubb $185 Trexis One $192 Insurify Car $214 21st Century $215 Hugo $222 Liberty Mutual $257 Foremost $303 Full-coverage car insurance includes liability coverage and adds comprehensive and collision coverage. Comprehensive insurance covers non-collision incidents, including hail damage, theft, and vandalism.[3] Collision insurance covers repairs when you hit another vehicle or object. This combination usually makes sense for drivers with newer cars or financed vehicles.
In Beaumont, full coverage costs an average of $229 per month. But some companies offer full-coverage policies for close to the average liability price in Beaumont.
Here are the five cheapest companies for full coverage in Beaumont, based on our research.
The below rates in Beaumont, TX, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Average Full-Coverage Rates by Company
CompanyAverage Monthly PremiumState Farm $121 Progressive $156 Allstate $170 Mercury $195 Mile Auto $196 GEICO $208 USAA $215 Safeco $230 Root $236 Clearcover $244 Direct Auto $251 Alinsco $254 Elephant $258 GAINSCO $261 Nationwide $271 National General $273 Bristol West $274 The General $276 AssuranceAmerica $282 Mendota $286 Commonwealth Casualty $302 Sun Coast $302 First Acceptance $303 Lone Star $308 Loop $308 Covercube $321 Dairyland $339 Chubb $366 Liberty Mutual $374 Trexis One $391 21st Century $423 Foremost $606 Teens have almost triple the risk of dying in a car crash compared to drivers aged 20 or older, according to the Insurance Institute for Highway Safety (IIHS).[4] That explains why younger drivers typically pay the most for car insurance. Beaumont teens pay an average of $353 per month for coverage.
But you don’t have to accept the first quote you get. The insurers below have the most competitive rates for young drivers in Beaumont, according to our data.
The below rates in Beaumont, TX, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Average Rates for Teens
CompanyAverage Monthly PremiumState Farm $122 Progressive $174 Allstate $177 GEICO $183 Mile Auto $189 USAA $210 Root $225 Mercury $229 The General $234 Clearcover $237 First Acceptance $238 GAINSCO $247 Alinsco $248 Lone Star $256 Bristol West $257 Dairyland $258 Commonwealth Casualty $264 Nationwide $275 Covercube $277 Mendota $289 Sun Coast $295 Excepsure $297 Elephant $314 Direct Auto $318 AssuranceAmerica $318 Loop $322 Safeco $325 National General $335 Trexis One $375 Chubb $392 21st Century $399 Insurify Car $418 Hugo $426 Liberty Mutual $466 Seniors tend to pay some of the lowest car insurance rates thanks to their years of experience, fewer claims, and safer driving habits.
Beaumont seniors pay an average of $154 per month for auto coverage, according to Compare.com data. That’s a solid deal, but shopping around can get you even better car insurance prices.
Here’s a look at the most budget-friendly options for senior Beaumont drivers, according to our research.
The below rates in Beaumont, TX, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Average Rates for Seniors
CompanyAverage Monthly PremiumState Farm $47 Mile Auto $69 Allstate $70 Progressive $76 GEICO $77 USAA $88 Mercury $95 First Acceptance $104 Nationwide $104 The General $106 Alinsco $108 Commonwealth Casualty $109 Lone Star $111 GAINSCO $115 AssuranceAmerica $115 Bristol West $116 Dairyland $120 Covercube $121 Clearcover $122 Mendota $126 National General $127 Sun Coast $128 Direct Auto $128 Excepsure $129 Root $130 Safeco $134 Elephant $135 Chubb $138 Loop $140 Trexis One $163 21st Century $167 Insurify Car $182 Hugo $191 Liberty Mutual $212 A speeding ticket from your last trip down Highway 69 doesn’t sting your wallet just once. It can raise your car insurance premiums for years. Tickets are red flags for insurance companies, suggesting you’re more likely to file a claim, and a higher risk means higher rates.
Beaumont drivers with a recent ticket pay an average rate of $227 per month for car insurance. But you’re not necessarily stuck paying more expensive rates. You can often save money by switching to a company that specializes in high-risk drivers.
Here are Beaumont’s five cheapest insurers for drivers with a recent ticket, according to Compare.com data.
The below rates in Beaumont, TX, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Average Rates With a Ticket
CompanyAverage Monthly PremiumState Farm $77 Mile Auto $108 Progressive $112 Allstate $113 GEICO $129 USAA $142 First Acceptance $153 Alinsco $159 GAINSCO $162 Commonwealth Casualty $162 Lone Star $164 Mercury $168 The General $168 Root $171 Bristol West $177 Clearcover $177 Nationwide $178 Dairyland $178 Covercube $178 Mendota $186 Sun Coast $190 AssuranceAmerica $190 Excepsure $191 Direct Auto $199 Safeco $204 Elephant $204 National General $204 Loop $207 Chubb $236 Trexis One $241 Insurify Car $269 Hugo $283 21st Century $284 Liberty Mutual $328 Causing a car crash in the Parkdale Mall parking lot or a rear-end collision on College Street can increase your insurance rates for at least three years. Auto insurance companies view at-fault accidents as proof that you’re more likely to file claims in the future.
Drivers in Beaumont with recent at-fault accidents pay an average monthly premium of $241. But insurers weigh accident records differently when setting rates, and comparing quotes can help you find cheaper coverage.
The five insurers below have the cheapest car insurance rates for Beaumont drivers with a recent at-fault accident, according to our data.
The below rates in Beaumont, TX, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Average Rates With an Accident
CompanyAverage Monthly PremiumState Farm $81 Allstate $117 Progressive $118 Mile Auto $120 GEICO $130 USAA $149 First Acceptance $162 Alinsco $169 The General $173 GAINSCO $173 Lone Star $174 Root $181 Commonwealth Casualty $181 Mercury $182 Nationwide $186 Bristol West $186 Covercube $189 Dairyland $190 Mendota $197 Clearcover $198 AssuranceAmerica $199 Sun Coast $201 Excepsure $202 Direct Auto $216 Safeco $216 National General $218 Loop $220 Elephant $221 Chubb $248 Trexis One $255 Insurify Car $285 21st Century $295 Hugo $296 Liberty Mutual $343 Few things cause your insurance premiums to soar as much as a driving while intoxicated (DWI) conviction. Some Insurers charge higher premiums after a DWI, but others may drop you instead of renewing your policy.
Monthly premiums for Beaumont drivers with a DWI conviction are $253 per month.
But rather than paying sky-high premiums, you have other options. Many insurers offer affordable rates for drivers with a DWI conviction.
The chart below shows Beaumont’s cheapest insurers for drivers with a DWI conviction, according to Compare.com data.
The below rates in Beaumont, TX, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Average Rates With a DWI
CompanyAverage Monthly PremiumState Farm $87 Allstate $124 Progressive $124 Mile Auto $126 GEICO $138 USAA $156 First Acceptance $171 The General $172 Alinsco $177 Mercury $183 Lone Star $183 Commonwealth Casualty $189 Clearcover $190 GAINSCO $192 Nationwide $195 Covercube $198 Bristol West $199 Dairyland $203 Root $203 Mendota $207 Sun Coast $211 AssuranceAmerica $212 Excepsure $212 Direct Auto $225 Loop $231 National General $232 Safeco $235 Elephant $239 Chubb $263 Trexis One $268 21st Century $295 Insurify Car $299 Hugo $315 Liberty Mutual $365 Most insurers in Texas use your credit history when setting your car insurance rates. Poor credit can add hundreds to your annual premium. Beaumont drivers with poor credit pay an average of $226 per month for car insurance.
But not every company cares about your credit history, and several offer great prices regardless of your financial past.
Check out the chart below for the cheapest insurers in Beaumont for drivers with less-than-perfect credit, according to Compare.com data.
The below rates in Beaumont, TX, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.Average Rates With Bad Credit
CompanyAverage Monthly PremiumState Farm $88 Allstate $108 Mile Auto $110 Progressive $111 GEICO $121 USAA $135 Mercury $148 First Acceptance $153 The General $155 Alinsco $159 Lone Star $164 GAINSCO $167 Commonwealth Casualty $168 Nationwide $169 Clearcover $172 Bristol West $173 Dairyland $177 Root $177 Covercube $178 AssuranceAmerica $184 Mendota $185 Sun Coast $189 Excepsure $190 Safeco $192 Direct Auto $195 National General $202 Loop $206 Elephant $208 Trexis One $240 21st Century $266 Insurify Car $268 Hugo $274 Chubb $294 Liberty Mutual $308
Our Picks for the Best Auto Insurance in Beaumont
There’s no single “best” car insurance company that suits every type of driver. The right company for you depends on your driving history, coverage preferences, and budget, and some insurers are a better fit than others.
These three companies earn our recommendation through a combination of competitive pricing, solid customer satisfaction scores, and flexible coverage options that serve Beaumont drivers well.
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 639 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $137/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $271/mo |
Nationwide ranks above average for claims satisfaction and No. 1 in Texas for customer satisfaction by J.D. Power. The company offers various coverage options, including accident forgiveness and a vanishing deductible. Plus, the company’s SmartRide telematics program can only save you money, as your driving habits won’t raise your rates.
Ranked No. 1 for customer satisfaction in region by J.D. Power[5]
Flexible bundling options
Digital policy management tools
Few local offices
Average premiums may be higher than some competitors
Android app has mixed customer reviews
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.6 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
With agents around Beaumont, including offices on Phelan and Calder, State Farm offers friendly face-to-face support. The Drive Safe & Save telematics program offers discounts that cater to good driving habits. You can file a claim online, in the mobile app, or by dialing up your local agent. When you need help, it’s comforting to know your insurer is just down the street.
Many local agents
Many discounts available
Above-average customer satisfaction
Doesn‘t offer accident forgiveness coverage
Can‘t purchase policies online
Gap coverage only available to State Farm Bank customers with an auto loan
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $208/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO stands out for its excellent digital customer experience. You can use the GEICO app to access your digital insurance card, get roadside help, and send photos when filing a claim.
The company also offers more than 20 discounts, including a defensive driving course discount for older Texas drivers. And while you won’t find many local GEICO agents, the company can deliver serious savings.
User friendly mobile app
DriveEasy telematics program can generate significant premium savings
Many discounts available
Only one local agent in Beaumont
Hit-or-miss claims experience[6]
Doesn‘t offer gap coverage
Find the Best Company for You
Local rates start as low as $61 per month.
Texas Auto Insurance Requirements
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You need more than a tank of gas to get on the road in Beaumont. Texas has clear automobile insurance requirements that every driver must follow.
Here are the minimum coverages you need, according to the Texas Department of Insurance:
Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $25,000 per accident
You don’t need to buy uninsured/underinsured motorist (UM/UIM) coverage or personal injury protection (PIP), but you must opt out in writing if you don’t want them.[7]
State minimums may fall short if you cause a multi-car pileup or total someone’s truck at a busy intersection. If costs go beyond your coverage limit, you have to pay the rest out of pocket. For that reason, the Texas Department of Insurance suggests you buy higher liability limits. Insurance professionals typically recommend drivers purchase 100/300/100 liability limits for greater financial protection from at-fault accidents.
Beaumont Auto Insurance FAQs
Shopping for car insurance can be confusing. Below are the answers to what Beaumont drivers most want to know about car insurance.
Beaumont drivers pay an average of $181 per month for car insurance, according to Compare.com data. Liability insurance costs an average of $133 per month, while full coverage averages $229 per month.
State Farm is the cheapest auto insurance company in Beaumont, according to Compare.com data. State Farm’s rates start at $61 per month for liability-only coverage.
It depends. Car insurance companies base your rates on the car you drive, your driving record, and personal details like your age, gender, credit history, and ZIP code. Beaumont drivers pay a monthly average of $181 per month, according to Compare.com data. Compare that to the national average rate of $140 per month.
Texas drivers pay an average of $165 per month for car insurance, according to Compare.com data. How much you pay for car insurance depends on the coverage you choose, your age, and your location.
Sources
- Texas Department of Transportation. "10/69 Interchange Projects."
- Texas Department of Insurance. "Auto insurance guide."
- Beaumont Emergency Management. "Emergency Management Basic Plan."
- Insurance Institute for Highway Safety. "Teenagers."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- J.D. Power. "2024 U.S. Auto Claims Satisfaction Study."
- Texas Department of Insurance. "Protect against other drivers with uninsured motorist coverage."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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