The Cheapest Auto Insurance Companies in Beaumont, Texas, in 2026
State Farm offers car insurance in Beaumont, averaging just $67 per month.
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Writer: Amy BeardsleyInsurance Writer
Writer: 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.
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Editor: Matthew GrossEditor
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Reviewer: Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Qualifications:
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Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
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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 $67 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 $67 per month for liability-only coverage.
Liability policies average $133 per month in Beaumont, and full coverage averages $228 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: Wednesday, October 21 at 7:33 AM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $67 |
| Progressive | $89 |
| Mile Auto | $92 |
| GEICO | $99 |
| USAA | $119 |
| First Acceptance | $120 |
| Alinsco | $125 |
| Mercury | $125 |
| The General | $125 |
| GAINSCO | $128 |
| Lone Star | $130 |
| Commonwealth Casualty | $134 |
| Covercube | $135 |
| Bristol West | $141 |
| Root | $142 |
| AssuranceAmerica | $148 |
| Dairyland | $148 |
| Sun Coast | $150 |
| Mendota | $151 |
| Allstate | $153 |
| Excepsure | $154 |
| Direct Auto | $157 |
| Clearcover | $158 |
| Loop | $163 |
| Elephant | $164 |
| National General | $168 |
| Trexis One | $194 |
| Chubb | $203 |
| Insurify Car | $209 |
| 21st Century | $233 |
| Hugo | $237 |
| Liberty Mutual | $258 |
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 Wednesday, October 21 at 7:33 AM 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 only | State Farm | $67 |
| Full coverage | State Farm | $126 |
| Teens | State Farm | $133 |
| Seniors | State Farm | $52 |
| Recent speeding ticket | State Farm | $85 |
| Recent at-fault accident | State Farm | $90 |
| DWI conviction | State Farm | $95 |
| Excellent credit | State Farm | $56 |
| Poor credit | State Farm | $98 |
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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Cheapest state-minimum coverage: State Farm
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, October 21 at 7:33 AM PDT.
Average Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $67 |
| Progressive | $89 |
| Mile Auto | $92 |
| GEICO | $99 |
| USAA | $119 |
| First Acceptance | $120 |
| Alinsco | $125 |
| Mercury | $125 |
| The General | $125 |
| GAINSCO | $128 |
| Lone Star | $130 |
| Commonwealth Casualty | $134 |
| Covercube | $135 |
| Bristol West | $141 |
| Root | $142 |
| AssuranceAmerica | $148 |
| Dairyland | $148 |
| Sun Coast | $150 |
| Mendota | $151 |
| Allstate | $153 |
| Excepsure | $154 |
| Safeco | $155 |
| Direct Auto | $157 |
| Clearcover | $158 |
| Loop | $163 |
| Elephant | $164 |
| National General | $168 |
| Trexis One | $194 |
| Chubb | $203 |
| Insurify Car | $209 |
| 21st Century | $233 |
| Hugo | $237 |
| Liberty Mutual | $258 |
Cheapest full coverage: State Farm
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 $228 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, October 21 at 7:33 AM PDT.
Average Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $126 |
| Progressive | $160 |
| Mercury | $203 |
| GEICO | $205 |
| Mile Auto | $207 |
| USAA | $224 |
| Allstate | $227 |
| Safeco | $230 |
| Root | $234 |
| Direct Auto | $245 |
| GAINSCO | $245 |
| Alinsco | $250 |
| Elephant | $255 |
| Clearcover | $257 |
| AssuranceAmerica | $266 |
| Bristol West | $268 |
| The General | $270 |
| National General | $277 |
| Commonwealth Casualty | $287 |
| Mendota | $287 |
| First Acceptance | $296 |
| Lone Star | $298 |
| Covercube | $302 |
| Sun Coast | $302 |
| Loop | $305 |
| Dairyland | $341 |
| Liberty Mutual | $367 |
| Chubb | $382 |
| Trexis One | $395 |
| 21st Century | $441 |
Cheapest for teens: State Farm
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, October 21 at 7:33 AM PDT.
Average Rates for Teens
Company | Average Monthly Premium |
|---|---|
| State Farm | $133 |
| Progressive | $173 |
| GEICO | $185 |
| Mile Auto | $193 |
| Root | $222 |
| USAA | $223 |
| GAINSCO | $231 |
| The General | $232 |
| Mercury | $234 |
| First Acceptance | $234 |
| Alinsco | $244 |
| Lone Star | $253 |
| Bristol West | $257 |
| Commonwealth Casualty | $261 |
| Dairyland | $263 |
| Covercube | $263 |
| Clearcover | $267 |
| Sun Coast | $292 |
| Mendota | $294 |
| Allstate | $298 |
| Excepsure | $300 |
| Elephant | $309 |
| AssuranceAmerica | $313 |
| Direct Auto | $314 |
| Loop | $318 |
| Safeco | $326 |
| National General | $341 |
| Trexis One | $378 |
| Insurify Car | $407 |
| Chubb | $423 |
| 21st Century | $425 |
| Hugo | $462 |
| Liberty Mutual | $466 |
Cheapest for seniors: State Farm
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: Wednesday, October 21 at 7:33 AM PDT.
Average Rates for Seniors
Company | Average Monthly Premium |
|---|---|
| State Farm | $52 |
| Mile Auto | $71 |
| Progressive | $75 |
| GEICO | $78 |
| USAA | $95 |
| Mercury | $97 |
| First Acceptance | $101 |
| The General | $105 |
| Alinsco | $106 |
| Commonwealth Casualty | $107 |
| GAINSCO | $109 |
| Lone Star | $110 |
| AssuranceAmerica | $114 |
| Covercube | $114 |
| Bristol West | $116 |
| Dairyland | $124 |
| Direct Auto | $127 |
| Sun Coast | $127 |
| Mendota | $128 |
| Allstate | $129 |
| Root | $129 |
| Excepsure | $130 |
| Elephant | $130 |
| National General | $130 |
| Safeco | $134 |
| Clearcover | $138 |
| Loop | $138 |
| Chubb | $151 |
| Trexis One | $164 |
| Insurify Car | $177 |
| 21st Century | $182 |
| Hugo | $200 |
| Liberty Mutual | $211 |
Cheapest after a ticket: State Farm
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 $230 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, October 21 at 7:33 AM PDT.
Average Rates With a Ticket
Company | Average Monthly Premium |
|---|---|
| State Farm | $85 |
| Mile Auto | $112 |
| Progressive | $113 |
| GEICO | $131 |
| First Acceptance | $153 |
| USAA | $154 |
| GAINSCO | $155 |
| Alinsco | $159 |
| Commonwealth Casualty | $163 |
| Lone Star | $166 |
| The General | $168 |
| Root | $171 |
| Covercube | $172 |
| Mercury | $173 |
| Bristol West | $180 |
| Dairyland | $185 |
| AssuranceAmerica | $189 |
| Sun Coast | $191 |
| Mendota | $192 |
| Allstate | $195 |
| Excepsure | $196 |
| Direct Auto | $199 |
| Clearcover | $202 |
| Elephant | $203 |
| Safeco | $205 |
| Loop | $208 |
| National General | $211 |
| Trexis One | $247 |
| Chubb | $260 |
| Insurify Car | $266 |
| Hugo | $302 |
| 21st Century | $308 |
| Liberty Mutual | $330 |
Cheapest after an accident: State Farm
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: Wednesday, October 21 at 7:33 AM PDT.
Average Rates With an Accident
Company | Average Monthly Premium |
|---|---|
| State Farm | $90 |
| Progressive | $119 |
| Mile Auto | $125 |
| GEICO | $132 |
| First Acceptance | $161 |
| USAA | $162 |
| GAINSCO | $165 |
| Alinsco | $167 |
| The General | $173 |
| Lone Star | $174 |
| Commonwealth Casualty | $178 |
| Root | $180 |
| Covercube | $181 |
| Mercury | $187 |
| Bristol West | $189 |
| Dairyland | $196 |
| AssuranceAmerica | $198 |
| Sun Coast | $201 |
| Mendota | $202 |
| Allstate | $205 |
| Excepsure | $206 |
| Direct Auto | $216 |
| Elephant | $217 |
| Safeco | $217 |
| Loop | $218 |
| National General | $225 |
| Clearcover | $226 |
| Trexis One | $260 |
| Chubb | $274 |
| Insurify Car | $280 |
| Hugo | $317 |
| 21st Century | $322 |
| Liberty Mutual | $346 |
Cheapest after a DWI: State Farm
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 $255 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, October 21 at 7:33 AM PDT.
Average Rates With a DWI
Company | Average Monthly Premium |
|---|---|
| State Farm | $95 |
| Progressive | $125 |
| Mile Auto | $131 |
| GEICO | $142 |
| First Acceptance | $169 |
| USAA | $169 |
| The General | $172 |
| Alinsco | $176 |
| GAINSCO | $182 |
| Lone Star | $183 |
| Mercury | $188 |
| Commonwealth Casualty | $190 |
| Covercube | $190 |
| Bristol West | $200 |
| Root | $202 |
| AssuranceAmerica | $210 |
| Dairyland | $210 |
| Sun Coast | $211 |
| Mendota | $213 |
| Allstate | $215 |
| Excepsure | $217 |
| Clearcover | $217 |
| Direct Auto | $223 |
| Loop | $229 |
| Elephant | $233 |
| National General | $239 |
| Safeco | $243 |
| Trexis One | $273 |
| Chubb | $288 |
| Insurify Car | $294 |
| 21st Century | $321 |
| Hugo | $334 |
| Liberty Mutual | $366 |
Cheapest for bad credit: State Farm
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, October 21 at 7:33 AM PDT.
Average Rates With Bad Credit
Company | Average Monthly Premium |
|---|---|
| State Farm | $98 |
| Progressive | $111 |
| Mile Auto | $114 |
| GEICO | $116 |
| USAA | $148 |
| First Acceptance | $150 |
| Mercury | $153 |
| The General | $155 |
| Alinsco | $156 |
| GAINSCO | $158 |
| Lone Star | $163 |
| Commonwealth Casualty | $166 |
| Covercube | $169 |
| Bristol West | $174 |
| Root | $176 |
| AssuranceAmerica | $183 |
| Dairyland | $183 |
| Sun Coast | $188 |
| Mendota | $189 |
| Allstate | $191 |
| Safeco | $192 |
| Excepsure | $193 |
| Direct Auto | $194 |
| Clearcover | $195 |
| Elephant | $203 |
| Loop | $204 |
| National General | $208 |
| Trexis One | $243 |
| Insurify Car | $261 |
| 21st Century | $288 |
| Hugo | $296 |
| Liberty Mutual | $309 |
| Chubb | $325 |
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.
| User Reviews | 3.2 |
|---|
3.2
A solid option in Beaumont, TXBased on 22 verified guest reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.2 | 3.2 |
| Customer service | 3.2 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.2 | 3.1 |
| Value | 3.2 | 2.9 |
Showing recent national reviewsSee all 7 Nationwide reviews
Verified Review
Reviewed in North Carolina on December 18, 2025
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.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
639
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
| User Reviews | 4.1 |
|---|---|
| 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. | $67/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. | $126/mo |
4.1
Best choice in Beaumont, TXBased on 1,072 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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 12 Texas reviews for Beaumont driversSee all 425 State Farm reviews
Verified Review
Reviewed in Texas on October 6, 2026
My limited experience with my local agent has been great. I filed a claim yesterday, and the person representing the company was excellent—very professional and knowledgeable in getting the claim processed. I would recommend State Farm.
Verified Review
Reviewed in Texas on October 4, 2026
I don’t have anything bad to say. I haven’t had any problems with you. I called the other day and spoke with a representative about reducing my payment. She helped me, and I’m satisfied. Thank you.
Verified Review
Reviewed in Texas on October 3, 2026
State Farm agents do not listen to the customer. I said I couldn’t afford monthly payments over $100. I was able to work around the full payment amounts until extreme temperatures resulted in higher electricity bills. I could pay one or the other, or about half of each. I’ll search for more affordable minimum liability coverage for now.
JD Power
JD 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
| User Reviews | 4.1 |
|---|---|
| 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. | $99/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. | $205/mo |
4.1
Best choice in Beaumont, TXBased on 885 verified guest reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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 6 Texas reviews for Beaumont driversSee all 343 GEICO reviews
Verified Review
Reviewed in Texas on September 9, 2026
The rates went sky-high with no explanation as to why. The agents seem to only be looking out for themselves. I’m looking for another insurance company that will lower my premiums instead of raising them with no explanation.
Verified Review
Reviewed in Texas on August 21, 2026
The cheapest insurance I’ve found, but the customer service is poor. It’s hard to get your agent to call you back. They increase your rates even if you have a no-fault situation, which doesn’t seem right.
Verified Review
Reviewed in Texas on July 3, 2026
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.
JD Power
JD 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 $67 per month.
Excellent
4.7 out of 5 based on 859 reviews
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Texas Auto Insurance Requirements
)
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.
How much is car insurance in Beaumont?
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 $228 per month.
What’s the cheapest auto insurance company in Beaumont?
State Farm is the cheapest auto insurance company in Beaumont, according to Compare.com data. State Farm’s rates start at $67 per month for liability-only coverage.
Is car insurance in Beaumont expensive?
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 $143 per month.
How much is car insurance per month in Texas?
Texas drivers pay an average of $168 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.
Writer: Amy BeardsleyInsurance Writer
Writer: 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.
Editor: Matthew GrossEditor
Editor: Matthew GrossEditor
Qualifications:
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
Reviewer: Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Qualifications:
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.