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How much is car insurance in Beaumont?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $4 a month more expensive to insure your vehicle in Beaumont than it is in 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. You can expect to pay about $12 less for your policy in Beaumont than in the rest of U.S.
While these are the average car insurance rates for Beaumont, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Beaumont so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience can help put some change back into your pocket. 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 every 10 years or so. Beaumont drivers may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Beaumont, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Beaumont, a driving record with a single accident will usually get you a rate around $80 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $87.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$64|
In Beaumont, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $61 per month for auto insurance.
Car owners, on the other hand, usually pay around $70 a month, while SUV drivers can expect to pay about $65 per month for insurance.
You may also see different rates based on the age of your vehicle. Overall, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Beaumont, for example, are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$72|
Generally speaking, those who are currently married 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.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Beaumont is no exception, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
One other element taken into consideration is your housing situation. If you rent your home or apartment in Beaumont, expect to pay around $10 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Beaumont, TX
Recent trends in car insurance for Beaumont drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Beaumont, the rates for auto insurance rose from 2016-2018, before declining from 2019-2020. They finished up in 2021, at $91 a month.
How does Beaumont compare to neighboring areas?
Why are car insurance rates in Beaumont different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Crime rates
- Road Safety (how many accidents each locality has)
- Number of drivers
- Regional regulations
- Amount of off-street parking
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Beaumont?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Beaumont.
Beaumont 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 like your age and gender, but also factors like your driving record, address, credit score, 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?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Beaumont?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Beaumont or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.