Beaumont, TX Car Insurance

Are rates in Beaumont higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What rates should residents of Beaumont expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Beaumont?

Car insurance policies in Beaumont are about $4 a month more expensive than the rest of Texas.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Beaumont is rather affordable. The average monthly payment in Beaumont is about $11 cheaper than the rate for the rest of the United States.

Bear in mind that while these rates represent the expected monthly payments for drivers in Beaumont, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

We've broken down the average rates for Beaumont to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Beaumont Car Insurance Rates by Age

The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may creep back up a bit in Beaumont.

Beaumont Car Insurance Rates by Gender

On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in Beaumont is only about $2 per month.

Beaumont Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Beaumont, a driving record with one accident will usually get you a rate around $87 a month. In addition, drivers with a single ticket on their record can expect to pay around $85 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Beaumont Insurance Rates by Vehicle

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Beaumont, with drivers paying around $62 per month for insurance coverage.

SUV drivers will see rates of about $68, while the rates for car owners average out to about $72 a month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Beaumont are vehicles four-to-five years old.

Beaumont Car Insurance Rates by Relationship Status

Overall, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Beaumont as well, where the difference is around $14 a month.

Beaumont Car Insurance Rates by Housing Situation

Your living accommodations is another component of how insurance companies calculate your monthly rate. Drivers who own property in Beaumont can expect to pay around $8 a month less than those who rent. 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 car insurance premiums, depending on your insurance company.

Car Insurance Companies in Beaumont, TX

Recent trends in car insurance for Beaumont drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Auto insurance rates in Beaumont went up from 2017-2018, but started to turn downward from 2019-2020, when they hit a low of $64. Policy premiums finished down in 2022, at $71 per month.

How does Beaumont compare to neighboring areas?

Why are car insurance rates in Beaumont different from other areas?

Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

• Prevalence of crime
• Total amount of drivers in the area
• Frequency of car accidents
• Amount of off-street parking
• Community laws

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Beaumont?

Equipping 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 does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Beaumont.

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Beaumont Auto Insurance FAQs

What factors affect car insurance quotes in Beaumont?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

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 parking situations, crime rates, and local laws 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 time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Beaumont or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.