The average Beaumont driver shells out $181 per month for car insurance. But many can find good rates for as little as $63 per month, from some of the best car insurance companies in the city, like State Farm and Progressive.
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 $63 per month for liability-only coverage.
Liability policies average $132 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 | $63 |
| Progressive | $89 |
| Mile Auto | $91 |
| GEICO | $98 |
| USAA | $113 |
| First Acceptance | $120 |
| Mercury | $122 |
| The General | $124 |
| Alinsco | $125 |
| Lone Star | $130 |
| GAINSCO | $132 |
| Commonwealth Casualty | $135 |
| Covercube | $137 |
| Bristol West | $141 |
| Clearcover | $141 |
| Root | $142 |
| Dairyland | $145 |
| AssuranceAmerica | $148 |
| Mendota | $149 |
| Sun Coast | $149 |
| Excepsure | $153 |
| Allstate | $154 |
| Direct Auto | $157 |
| Loop | $164 |
| Elephant | $166 |
| National General | $166 |
| Chubb | $192 |
| Trexis One | $194 |
| Insurify Car | $209 |
| 21st Century | $222 |
| Hugo | $229 |
| Liberty Mutual | $257 |
| Foremost | $307 |
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 | $63 |
| Full coverage | State Farm | $122 |
| Teens | State Farm | $126 |
| Seniors | State Farm | $49 |
| Recent speeding ticket | State Farm | $80 |
| Recent at-fault accident | State Farm | $84 |
| DWI conviction | State Farm | $89 |
| Excellent credit | State Farm | $53 |
| Poor credit | State Farm | $91 |
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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 $132 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: Monday, August 10 at 5:00 PM PDT.Average Liability Rates by Company
CompanyAverage Monthly PremiumState Farm $63 Progressive $89 Mile Auto $91 GEICO $98 USAA $113 First Acceptance $120 Mercury $122 The General $124 Alinsco $125 Lone Star $130 GAINSCO $132 Commonwealth Casualty $135 Covercube $137 Bristol West $141 Clearcover $141 Root $142 Dairyland $145 AssuranceAmerica $148 Mendota $149 Sun Coast $149 Excepsure $153 Allstate $154 Safeco $155 Direct Auto $157 Loop $164 Elephant $166 National General $166 Chubb $192 Trexis One $194 Insurify Car $209 21st Century $222 Hugo $229 Liberty Mutual $257 Foremost $307 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: Monday, August 10 at 5:00 PM PDT.Average Full-Coverage Rates by Company
CompanyAverage Monthly PremiumState Farm $122 Progressive $153 Mercury $200 Mile Auto $201 GEICO $206 USAA $218 Safeco $229 Allstate $231 Root $233 Clearcover $243 Direct Auto $249 Alinsco $252 GAINSCO $254 Elephant $257 AssuranceAmerica $272 Bristol West $272 The General $273 National General $275 Mendota $287 Commonwealth Casualty $294 First Acceptance $299 Sun Coast $301 Lone Star $302 Loop $307 Covercube $309 Dairyland $339 Chubb $372 Liberty Mutual $373 Trexis One $395 21st Century $429 Foremost $618 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 $354 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: Monday, August 10 at 5:00 PM PDT.Average Rates for Teens
CompanyAverage Monthly PremiumState Farm $126 Progressive $174 GEICO $184 Mile Auto $193 USAA $214 Root $223 Mercury $230 The General $232 First Acceptance $235 Clearcover $240 GAINSCO $240 Alinsco $245 Lone Star $254 Bristol West $258 Dairyland $261 Commonwealth Casualty $263 Covercube $268 Mendota $292 Sun Coast $292 Excepsure $299 Allstate $301 Elephant $312 AssuranceAmerica $315 Direct Auto $316 Loop $321 Safeco $326 National General $339 Trexis One $380 Chubb $404 Insurify Car $409 21st Century $410 Hugo $448 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 $153 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: Monday, August 10 at 5:00 PM PDT.Average Rates for Seniors
CompanyAverage Monthly PremiumState Farm $49 Mile Auto $70 Progressive $75 GEICO $77 USAA $91 Mercury $95 First Acceptance $102 The General $104 Alinsco $106 Commonwealth Casualty $108 Lone Star $110 GAINSCO $112 AssuranceAmerica $114 Covercube $116 Bristol West $116 Dairyland $122 Clearcover $123 Mendota $126 Sun Coast $126 Direct Auto $127 National General $129 Root $130 Excepsure $130 Allstate $131 Elephant $133 Safeco $134 Loop $139 Chubb $143 Trexis One $164 21st Century $173 Insurify Car $177 Hugo $194 Liberty Mutual $211 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 $228 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: Monday, August 10 at 5:00 PM PDT.Average Rates With a Ticket
CompanyAverage Monthly PremiumState Farm $80 Mile Auto $111 Progressive $112 GEICO $129 USAA $146 First Acceptance $151 Alinsco $158 GAINSCO $159 Commonwealth Casualty $162 Lone Star $164 The General $167 Mercury $169 Root $170 Covercube $173 Bristol West $179 Clearcover $180 Dairyland $180 Mendota $188 Sun Coast $188 AssuranceAmerica $190 Excepsure $193 Allstate $194 Direct Auto $198 Elephant $203 Safeco $204 Loop $207 National General $208 Trexis One $245 Chubb $246 Insurify Car $264 Hugo $289 21st Century $293 Liberty Mutual $329 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 $242. 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: Monday, August 10 at 5:00 PM PDT.Average Rates With an Accident
CompanyAverage Monthly PremiumState Farm $84 Progressive $119 Mile Auto $123 GEICO $131 USAA $153 First Acceptance $160 Alinsco $167 GAINSCO $170 The General $171 Lone Star $174 Commonwealth Casualty $179 Root $179 Covercube $183 Mercury $183 Bristol West $188 Dairyland $192 AssuranceAmerica $198 Mendota $199 Sun Coast $199 Clearcover $202 Excepsure $204 Allstate $206 Direct Auto $215 Safeco $216 Loop $219 Elephant $219 National General $222 Chubb $259 Trexis One $259 Insurify Car $279 Hugo $306 21st Century $306 Liberty Mutual $344 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: Monday, August 10 at 5:00 PM PDT.Average Rates With a DWI
CompanyAverage Monthly PremiumState Farm $89 Progressive $124 Mile Auto $128 GEICO $139 USAA $159 First Acceptance $168 The General $171 Alinsco $175 Lone Star $182 Mercury $183 GAINSCO $186 Commonwealth Casualty $189 Covercube $191 Clearcover $192 Bristol West $199 Root $200 Dairyland $205 Mendota $208 Sun Coast $208 AssuranceAmerica $209 Excepsure $214 Allstate $215 Direct Auto $222 Loop $229 Elephant $234 National General $234 Safeco $240 Chubb $271 Trexis One $271 Insurify Car $292 21st Century $304 Hugo $320 Liberty Mutual $363 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: Monday, August 10 at 5:00 PM PDT.Average Rates With Bad Credit
CompanyAverage Monthly PremiumState Farm $91 Progressive $111 Mile Auto $113 GEICO $121 USAA $140 Mercury $149 First Acceptance $150 The General $154 Alinsco $156 Lone Star $163 GAINSCO $164 Commonwealth Casualty $167 Covercube $171 Bristol West $175 Clearcover $175 Root $176 Dairyland $180 AssuranceAmerica $183 Mendota $186 Sun Coast $186 Excepsure $191 Safeco $192 Allstate $193 Direct Auto $195 Loop $205 Elephant $206 National General $206 Trexis One $243 Insurify Car $261 21st Century $275 Hugo $286 Chubb $306 Liberty Mutual $307
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 |
|---|
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 | 3.9 |
|---|---|
| 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. | $63/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. | $122/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.8 | 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. | $206/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 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 $63 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 $132 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 $63 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 $141 per month.
Texas drivers pay an average of $166 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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