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How much is car insurance in Beaumont?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $4 a month more expensive to insure your vehicle in Beaumont than it is in the rest of Texas.
On the other hand, the expected monthly payments for an auto insurance policy in Beaumont are below the national average. You can expect to pay about $12 below the national average for auto insurance in Beaumont.
While these are the average car insurance rates for Beaumont, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your 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 Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up in Beaumont.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Beaumont, although women do pay slightly less on their monthly auto insurance coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Beaumont with a single accident will pay around $87 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $86.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$64|
The cheapest vehicles to insure in Beaumont are typically trucks and vans, with each type typically costing about $62 per month.
Car owners will see a monthly bill of about $71, while SUV owners usually pay around $67 per month.
In addition to vehicle type, you can also expect to see slightly different rates based 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 four-to-five years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Beaumont can be as much as $14 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than homeowners in Beaumont. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Beaumont, TX
Recent trends in car insurance for Beaumont drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for auto insurance in Beaumont increased from 2017-2018, but started to turn downward from 2019-2020, when they hit a low of $64. Insurance rates finished down in 2022, at $66 a month.
How does Beaumont compare to neighboring areas?
Why are car insurance rates in Beaumont different from other areas?
There are numerous factors car insurance companies will consider when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area crime rates
- Rate of car accidents
- Number of drivers in the community
- Off-street parking accessibility
- Community regulations
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Beaumont?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Beaumont.
Beaumont Insurance FAQs
What factors affect car insurance quotes in Beaumont?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Beaumont different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Beaumont?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Beaumont?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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?