The Cheapest Auto Insurance Companies in Beaumont, Texas, in 2025
State Farm offers car insurance in Beaumont, averaging just $62 per month.
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Written byAmy Beardsley
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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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Edited byMatthew Gross
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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.
Updated
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In This Article
The average Beaumont driver shells out $179 per month for car insurance, and that number is on the rise. This is due in part to inflation, as car repairs cost more than ever when storms roll through or accidents happen. Vehicle prices have also jumped dramatically, meaning insurers face bigger payouts if you total your car.[1]
But savvy shoppers can still find a good deal. Some of the best car insurance companies in the city, like State Farm and Mile Auto, can get you coverage for as little as $62 per month.
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 $62 per month.
Liability policies average $138 per month in Beaumont, and full coverage averages $220 monthly.
Ongoing construction along the Eastex Interchange through 2030 makes accidents more likely, which increases car insurance for Beaumont drivers.[2]
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 are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $62 |
| Mile Auto | $77 |
| Allstate | $88 |
| GEICO | $109 |
| USAA | $111 |
| Progressive | $115 |
| Mercury | $116 |
| Dairyland | $129 |
| Root | $129 |
| The General | $130 |
| Bristol West | $133 |
| AssuranceAmerica | $140 |
| Commonwealth Casualty | $140 |
| Nationwide | $140 |
| Clearcover | $145 |
| Safeco | $147 |
| GAINSCO | $148 |
| Direct Auto | $160 |
| National General | $163 |
| Elephant | $170 |
| Chubb | $190 |
| 21st Century | $220 |
| Liberty Mutual | $277 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 | $62 |
| Full coverage | State Farm | $103 |
| Teens | State Farm | $125 |
| Seniors | State Farm | $48 |
| Recent speeding ticket | State Farm | $77 |
| Recent at-fault accident | State Farm | $80 |
| DUI conviction | State Farm | $86 |
| Excellent credit | State Farm | $52 |
| Poor credit | State Farm | $89 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Texas requires drivers to have bodily injury liability and property damage liability coverage to drive legally in the state.[3] Liability-only insurance works best for drivers with older vehicles or with tight budgets. The average minimum-coverage premium for Beaumont drivers is $138 per month.
The five companies below offer the most affordable liability coverage in Beaumont, according to our data.
Average Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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.[4] 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 $220 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.
Average Full-Coverage Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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).[5] 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.
Average Rates for Teens
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $151 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.
Average Rates for Seniors
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $216 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.
Average Rates With a Ticket
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Causing a car crash in the Parkdale Mall parking lot or a rear-end collision on College Street can increase your insurance rates. 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 $231. 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.
Average Rates With an Accident
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Few things cause your insurance premiums to soar as much as a driving under the influence (DUI) conviction. Some Insurers charge higher premiums after a DUI, but others may drop you instead of renewing your policy.
Monthly premiums for Beaumont drivers with a DUI conviction are $231 per month.
But rather than paying sky-high premiums, you have other options. Many insurers offer affordable rates for drivers with a DUI conviction.
The chart below shows Beaumont’s cheapest insurers for drivers with a DUI conviction, according to Compare.com data.
Average Rates With a DUI
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.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 $224 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.
Average Rates With Bad Credit
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 | 3.1 |
|---|---|
| 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. | 4.5 /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. | $132/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. | $224/mo |
3.1
A solid optionBased on 19 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Nationwide
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (6)
Ron
Verified Review
Nationwide is becoming a Chintzy Picky Company
Reviewed in Missouri on May 2025
I like Nationwide, but they have become very picky and want me to do too many repairs before they take my money and purchase insurance.
Richard
Verified Review
Ready for a Change...
Reviewed in Pennsylvania on January 2025
It seems expensive, and there's no communication with me!
Dana
Verified Review
Can't reach anyone, and they cancelled without notification
Reviewed in Nevada on January 2025
Ridiculous!
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
639NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7AM 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 program can only save you money, as your driving habits won’t raise your rates.
Pros
Ranked No. 1 for customer satisfaction in region[6]
Flexible bundling options
Digital policy management tools
Cons
Few local offices
Not as many add-on coverages as some competitors
Android app missing some features
| 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. | $59/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. | $100/mo |
3.9
A solid optionBased on 599 verified guest reviews and ratings
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
Best For
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
Best For
Reviews (302)
Chester
Verified Review
Too Expensive
Reviewed in New York on December 2025
State Farm is too expensive, which is why I'm transferring.
Donald
Verified Review
Rates Too High
Reviewed in North Carolina on December 2025
I liked it up until they raised my rate to an unbelievably high amount, so now I'm looking for a different company.
William
Verified Review
Currently Disgruntled with State Farm Insurance
Reviewed in Oregon on December 2025
Due to State Farm also being our homeowner insurance, and due to them canceling our homeowner insurance and the emotional effect of this cancellation, we are not too happy with State Farm. When pricing other home insurance providers, we learned from these potential providers that we were paying considerably higher for our State Farm car insurance than other insurance companies. Thus, if I were to advise a friend regarding State Farm, I would tell them my experience was that I found much cheaper car insurance with other providers. However, the agent LuAnn Davidson, our State Farm agent, on four different occasions went to bat for us (took our side) when we had issues with State Farm and caused the issue to be resolved in our favor. We were with State Farm for more than 10 years. I would advise my friend if you are going with State Farm, have LuAnn be your agent.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84AM 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 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
Online tools aren’t as slick as some
Few options to customize coverage
Claims service may not meet expectations
| 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. | $97/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. | $176/mo |
4.1
Best choiceBased on 495 verified guest reviews and ratings
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
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
Reviews (249)
Tanya
Verified Review
My vehicle is not respected for its age
Reviewed in Missouri on December 2025
Geico put a $0 value on my pickup, which runs and has low mileage. The app isn't simple to navigate.
Rob
Verified Review
Great choice
Reviewed in Oklahoma on November 2025
Very courteous and helpful.
Hagop
Verified Review
I started with GEICO 4 years ago
Reviewed in Rhode Island on November 2025
I started with GEICO 4 years ago at $400 for six months, and now it's $725. No tickets or any incidents. Disappointed.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59AM 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
Telematics program available
Many discounts available
Cons
Fewer local offices
Hit-or-miss claims experience[7]
Fewer add-ons to customize coverage
Find the Best Company for You
Local rates start as low as $62 per month.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
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, but you must opt out in writing if you don’t want it.[8]
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.
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 $179 per month for car insurance, according to Compare.com data. Liability insurance costs an average of $138 per month, while full coverage averages $220 per month.
State Farm is the cheapest auto insurance company in Beaumont, according to Compare.com data. State Farm’s rates start at $62 per month.
It depends. Car insurance companies base your rates on the car you drive, your driving record, and personal details like your age and credit history. Beaumont drivers pay a monthly average of $179 per month, according to Compare.com data. Compare that to the national average rate of $137 per month.
Texas drivers pay an average of $164 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.
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.
Sources
- Texas Department of Insurance. "2024 Biennial Report."
- 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."
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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 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.