Cheapest Car Insurance Quotes in Beaumont

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Beaumont Car Insurance

^$ 55

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Beaumont

The car insurance rate in Beaumont is $1407 for a six-month policy, which is $128 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $869, making it a popular choice for budget-conscious drivers. Rates in Beaumont can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Beaumont

$1407

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Beaumont

1st place: Mercury

At $869 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: Texas Farm Bureau

Texas Farm Bureau offers auto insurance rates at $902 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA Texas

AAA Texas offers auto insurance rates at $909 for six months, making it the third cheapest auto insurance company in Beaumont.

Beaumont Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Beaumont, TX is Mercury, offering policies at just $869 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $902.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2698 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Beaumont drivers find the best deals.

Cheap Car Insurance Companies in Beaumont, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$869	$145
Texas Farm Bureau	$902	$153
AAA Texas	$909	$152
State Farm	$941	$158
USAA	$1026	$173
Redpoint Insurance	$1071	$183
AAA	$1320	$220
Progressive	$1372	$231
Southern County Mutual	$1418	$237
Allstate	$2954	$497
Farmers	$2698	$459

Key Takeaways

Way's key takeaways about car insurance in Beaumont

The auto insurance costs in Beaumont fall around $869 for six months.
The cheapest auto insurance company in Beaumont is USAA.
Teen drivers pay the highest rate in Beaumont at $1497 per month.

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Cheapest Minimum Liability Car Insurance in Beaumont

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Beaumont are given below.

USAA provides the cheapest minimum car insurance coverage in Beaumont. Their Average 6 Month Premium is $327. Farmers is the most expensive at $1065 for the same period.

Cheapest Liability Coverage in Beaumont, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$327	$55
Texas Farm Bureau	$340	$58
State Farm	$353	$59
Redpoint Insurance	$366	$63
Mercury	$425	$72
AAA	$471	$80
AAA Texas	$471	$78
Progressive	$484	$81
Allstate	$1020	$172
Farmers	$1065	$177

Cheapest Full Coverage Car Insurance in Beaumont

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Beaumont is Mercury at $145 per month and $869 for six months.

Cheapest Full Coverage Car Insurance Quotes in Beaumont, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$869	$145
Texas Farm Bureau	$902	$153
AAA Texas	$909	$152
State Farm	$941	$158
USAA	$1026	$173
Redpoint Insurance	$1071	$183
AAA	$1320	$220
Progressive	$1372	$231
Southern County Mutual	$1418	$237
Allstate	$2954	$497
Farmers	$2698	$459

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Average Car Insurance in Beaumont by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Beaumont, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Beaumont, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Beaumont's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Beaumont

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Beaumont,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Beaumont at $64 per month. At $8808 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$373	$64
Southern County Mutual	$484	$80
Mercury	$523	$89
AAA Texas	$595	$99
USAA	$1496	$252
State Farm	$1594	$268
Texas Farm Bureau	$1673	$285
AAA	$2745	$458
Allstate	$5025	$846
Progressive	$7005	$1179
Farmers	$8808	$1497

Teen Car Insurance Rates in TX by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Beaumont, Mercury is the cheapest car insurance provider. At $569 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Beaumont is Farmers, offering rates of around $4469 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$569	$95
Foremost	$680	$116
AAA Texas	$725	$121
Dairyland	$843	$143
USAA	$1267	$211
Progressive	$1816	$306
AAA	$2202	$367
Allstate	$5181	$881
State Farm	$6763	$1128
Texas Farm Bureau	$1274	$217
Farmers	$4469	$760

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Car Insurance Rates with An Accident in Beaumont

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Beaumont, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Beaumont

The cheapest car insurance companies after an at-fault accident in Beaumont include Redpoint Insurance and Southern County Mutual, offering $373 and $451, respectively. Farmers is an expensive provider with an average six-month premium of $7416.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$373	$62
Southern County Mutual	$451	$77
AAA Texas	$700	$117
State Farm	$751	$127
Mercury	$849	$142
USAA	$1085	$183
Texas Farm Bureau	$1411	$235
AAA	$2241	$381
Progressive	$2398	$404
Allstate	$4672	$787
Farmers	$7416	$1261

Beaumont Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Beaumont TX. For example, the car insurance in Beaumont after a DUI increases to $863 for a six month policy. While the rate increases by $203 for a six-month policy in the case of a speeding ticket.

Beaumont auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1411	$235
One Med/PIP claim	$1425	$242
One comp claim	$1496	$250
Not-at-fault accident	$1509	$256
Two Med/PIP claims	$1516	$253
Failure to show documents	$1569	$266
Driving with expired registration	$1581	$264
Two comp claims	$1594	$271
Cell phone violation	$1607	$268
Driving without lights	$1607	$273
Texting while driving	$1607	$268
Driving too slowly	$1614	$274
Speeding 11 - 15 MPH over limit	$1614	$270
Speeding 16 - 20 MPH over limit	$1614	$274
Speeding 6 - 10 MPH over limit	$1614	$270
Speeding in school zone	$1614	$274
Child safety restraint	$1620	$271
Failure to wear a seat belt	$1620	$275
In 65 MPH zone	$1627	$272
Failure to stop at a red light	$1634	$278
Failure to yield	$1634	$273
Following too closely	$1634	$278
Illegal turn	$1634	$273
Improper passing	$1634	$278
Speeding 21 - 25 MPH over limit	$1634	$273
Passing school bus	$1640	$279
Wrong way/wrong lane	$1640	$273
Operating a vehicle without permission	$1647	$281
At-fault accident - less than $1000	$1712	$285
Open container	$1927	$328
Driving with a suspended license	$2000	$333
Racing	$2118	$360
Reckless driving	$2118	$353
Leaving scene of an accident/hit and run	$2169	$369
At-fault accident - $1000-$2000	$2176	$363
Refusal to submit to a chemical test	$2241	$381
DUI	$2274	$380
At-fault accident - greater than $2000	$2365	$403

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Beaumont after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Beaumont.

The cheapest car insurance premiums in Beaumont are offered by Mercury at $562 for a six-month policy. However, it can be as expensive as $3405 with companies like Farmers.

Beaumont car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$562	$94
Foremost	$634	$108
Dairyland	$693	$116
AAA Texas	$732	$124
State Farm	$960	$162
USAA	$1496	$252
Progressive	$1529	$257
Nationwide	$1849	$315
AAA	$3391	$565
Allstate	$3862	$650
Texas Farm Bureau	$1085	$185
Farmers	$3405	$568

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Beaumont are offered by Mercury at $582. However, it can be as expensive as $3705 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Beaumont after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$582	$97
State Farm	$601	$101
AAA Texas	$620	$103
USAA	$922	$156
AAA	$2241	$374
Progressive	$2391	$407
Allstate	$3633	$605
Texas Farm Bureau	$562	$96
Farmers	$3705	$630

Car Insurance Price Trends in Beaumont, Texas

Car insurance rates in Beaumont have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Beaumont remained steady at $238 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Beaumont remained steady at $77 in both March and February, indicating no change over the two month period.

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Average Car Insurance Cost in Beaumont by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Beaumont. At $1533 for a six-month policy, insuring your car at 77701 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
77701	$1533	$257
77702	$1435	$241
77713	$1533	$257
77703	$1533	$257
77705	$1786	$300
77706	$1688	$283
77707	$1575	$264
77708	$1519	$255

Frequently Asked Questions

How much is car insurance in Beaumont?

The car insurance in Beaumont is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Beaumont?

The cheapest car insurance in Beaumont is $145 per month for full coverage.

How much is car insurance in Beaumont for teenagers?

Car insurance for teenagers costs $373 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Beaumont?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $237 per month to insure your car in Beaumont.

Is car insurance expensive in Beaumont?

Car insurance can be expensive in Beaumont if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Beaumont can be affordable.

Cheapest Car Insurance Quotes in Beaumont

Why you can trust Way?

How Much Is Car Insurance in Beaumont

Avg. Car Insurance in Beaumont

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Beaumont

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Beaumont Car Insurance Rates by Company

Cheap Car Insurance Companies in Beaumont, TX

Way's key takeaways about car insurance in Beaumont

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Beaumont

Cheapest Liability Coverage in Beaumont, TX

Cheapest Full Coverage Car Insurance in Beaumont

Cheapest Full Coverage Car Insurance Quotes in Beaumont, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Beaumont by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Beaumont, TX increasing?

Car Insurance Premiums by Age in Beaumont

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Beaumont,TX

If you are in your twenties N/A is the best choice for car insurance in Beaumont.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Beaumont

Cheapest Car Insurance Companies after an At-Fault Accident in Beaumont

Beaumont Car Insurance Rates by Violation

Beaumont auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Beaumont after a DUI

Beaumont car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Beaumont after Speeding ticket

Car Insurance Price Trends in Beaumont, Texas

Average Car Insurance Cost in Beaumont by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Beaumont, TX

Car Insurance Rates by State in the USA (2025 Update)

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