The Cheapest Auto Insurance Companies in Beaumont, Texas, in 2026

State Farm offers car insurance in Beaumont, averaging just $63 per month.

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Cheapest recent rates near Beaumont, Texas

Recent Beaumont, Texas car insurance prices for Jeep, Nissan, KIA , and more.

*These quotes are from Compare.com users in and around Beaumont, Texas within the last 10 days. Updated on August 13, 2026

The rates you see here are from a combination of recent Compare.com customers and data compiled in collaboration with Quadrant Information Services.
Our algorithm excludes anomalies and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity. All rates are from the last 10 days as of August 13, 2026.
Actual quotes may vary based on your unique driver profile.

*These quotes are from Compare.com users in and around Beaumont, Texas within the last 10 days. Updated on August 13, 2026

The rates you see here are from a combination of recent Compare.com customers and data compiled in collaboration with Quadrant Information Services.
Our algorithm excludes anomalies and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity. All rates are from the last 10 days as of August 13, 2026.
Actual quotes may vary based on your unique driver profile.
Amy Beardsley
Written byAmy Beardsley
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.

Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.

She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.

Matthew Gross
Edited byMatthew Gross
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Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
  • Senior Director, Media Relations, with Triple-I

  • 30+ years of industry experience

  • Leadership positions at several trade organizations

Mark Friedlander is Senior Director, Media Relations, at the Insurance Information Institute (Triple-I), where he serves as a national spokesperson, handling a wide array of insurance industry media issues. His responsibilities also include spearheading the association’s hurricane season communications strategy and its member company support and media outreach.

Throughout his 30+ years in the insurance industry, Mark has held leadership positions across multiple trade groups, including serving as Board Chair and President of the Insurance Marketing & Communications Association (IMCA). He has also advised editorial teams at organizations such as U.S. News & World Report, Insurify, Bankrate, and more.

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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.

Key Takeaways
  • 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.

The below rates in Beaumont, TX, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
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
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 10 at 5:00 PM PDT.

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 onlyState Farm$63
Full coverageState Farm$122
TeensState Farm$126
SeniorsState Farm$49
Recent speeding ticketState Farm$80
Recent at-fault accidentState Farm$84
DWI convictionState Farm$89
Excellent creditState Farm$53
Poor creditState Farm$91
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

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  • 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

    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
    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

    Company
    Average Monthly Premium
    State 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

    Company
    Average Monthly Premium
    State 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

    Company
    Average Monthly Premium
    State 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

    Company
    Average Monthly Premium
    State 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

    Company
    Average Monthly Premium
    State 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

    Company
    Average Monthly Premium
    State 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

    Company
    Average Monthly Premium
    State 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.

Nationwide
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
639
Details
Showing recent national reviewsSee all 7 Nationwide reviews
David
Verified Review
Too late to change to another company
I would shop around depending on how much coverage you need. Nationwide has handled my past claims, although, as you might suspect, there were some frustrating times spent trying to glean information from representatives. Nationwide has changed since I first started with them. They used to have independent agencies; now they seem to be just representative agencies with no real concern for people—just customers who pay their bills every month if they "accept" your business.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

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.

Pros
  • Ranked No. 1 for customer satisfaction in region by J.D. Power[5]

  • Flexible bundling options

  • Digital policy management tools

Cons
  • Few local offices

  • Average premiums may be higher than some competitors

  • Android app has mixed customer reviews

State Farm
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
Details
3.9
A solid option in Beaumont, TXBased on 947 verified guest reviews and ratings
State Farm's score
Industry average
Coverage options3.93.2
Customer service3.93.6
Discounts3.72.9
Policy transparency3.83.1
Value3.62.9
How drivers feel about State Farm

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.

AI-generated from the text of verified reviews collected by Compare.com
Showing 5 Texas reviews for Beaumont driversSee all 369 State Farm reviews
Lloyd
Verified Review
Average
They’ll give a competitive quote for new customers, then start raising rates quickly at renewal.
Robert
Verified Review
Longtime State Farm Customer, but I’m Going to Have to Look Elsewhere Due to Renewal Cost
State Farm is very good. However, the premiums are very high. I’m going to have to look at other options before my renewal.
Mary
Verified Review
Unhappy
I've found that on my new lease, the price has gone up considerably.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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.

Pros
  • Many local agents

  • Many discounts available

  • Above-average customer satisfaction

Cons
  • Doesn‘t offer accident forgiveness coverage

  • Can‘t purchase policies online

  • Gap coverage only available to State Farm Bank customers with an auto loan

GEICO
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
Details
4.0
Best choice in Beaumont, TXBased on 800 verified guest reviews and ratings
GEICO's score
Industry average
Coverage options3.93.2
Customer service4.03.6
Discounts3.62.9
Policy transparency3.83.1
Value3.62.9
How drivers feel about GEICO

Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.

AI-generated from the text of verified reviews collected by Compare.com
Showing 4 Texas reviews for Beaumont driversSee all 306 GEICO reviews
Marilyn
Verified Review
Higher Rate for Not Having Insurance 30 Days Prior
I have a non-mandated due date. I've tried to change the due date, and they just say, "We don't do that." I even offered to pay interest on the new due date, but they still refused. They also told me that I had a higher premium because I didn't have insurance for the 30 days prior. I did not own a vehicle to be insured, and I've had insurance since I started driving at 16. I contacted the state insurance commission, and they said the state does not mandate a higher rate if you don't have insurance 30 days prior to applying. Your representative would not consider a lower rate. It's frustrating to be penalized with a higher rate without considering why I didn't have insurance. Would you pay for insurance if you don't even own a vehicle? It brings me anger that I'm penalized with a higher rate.
Lillian
Verified Review
Excellent
I have had no problem with Geico. They have been friendly and very helpful.
Aaron
Verified Review
Too Expensive
The price is $300 a month, which is crazy. Please drop the price, or I'll look elsewhere.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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.

Pros
  • User friendly mobile app

  • DriveEasy telematics program can generate significant premium savings

  • Many discounts available

Cons
  • 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.

Excellent
4.6 out of 5 based on 782 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Texas Auto Insurance Requirements

A large naval ship docked at a harbor with city buildings and a blue sky in the background.

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]

Is minimum coverage enough in Beaumont?

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

  1. Texas Department of Transportation. "10/69 Interchange Projects."
  2. Texas Department of Insurance. "Auto insurance guide."
  3. Beaumont Emergency Management. "Emergency Management Basic Plan."
  4. Insurance Institute for Highway Safety. "Teenagers."
  5. J.D. Power. "2025 U.S. Auto Insurance Study."
  6. J.D. Power. "2024 U.S. Auto Claims Satisfaction Study."
  7. 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.

Amy Beardsley
Written byAmy BeardsleyInsurance Writer
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.

Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.

She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.

Matthew Gross
Edited byMatthew GrossEditor
Matthew Gross headshot
Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
  • Senior Director, Media Relations, with Triple-I

  • 30+ years of industry experience

  • Leadership positions at several trade organizations

Mark Friedlander is Senior Director, Media Relations, at the Insurance Information Institute (Triple-I), where he serves as a national spokesperson, handling a wide array of insurance industry media issues. His responsibilities also include spearheading the association’s hurricane season communications strategy and its member company support and media outreach.

Throughout his 30+ years in the insurance industry, Mark has held leadership positions across multiple trade groups, including serving as Board Chair and President of the Insurance Marketing & Communications Association (IMCA). He has also advised editorial teams at organizations such as U.S. News & World Report, Insurify, Bankrate, and more.

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