Beaumont's average full coverage car insurance cost is $151 per month. Rates range from $145 to $469, depending on the driver's profile and vehicle type. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Beaumont, TX, Car Insurance
Updated: January 14, 2025
Advertising & Editorial Disclosure
Cheapest Car Insurance in Beaumont: Key Takeaways
Beaumont's cheapest car insurance providers include Texas Farm Bureau, State Farm and Progressive.
Texas Farm Bureau is the most affordable car insurance provider, with monthly rates starting at $33 for minimum coverage and $69 for full coverage.
The average monthly cost of car insurance is $74 for minimum coverage and $151 for full coverage.
Car Insurance Quotes in Beaumont, TX
| Young Drivers | $98 | $197 |
| Teens | No Data | $469 |
| Seniors | $75 | $145 |
| Drivers With an Accident | $126 | $247 |
| Drivers With a Speeding Ticket | $89 | $181 |
| Drivers With a DUI | $115 | $222 |
| Bad Credit | $132 | $272 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Beaumont vs. State Average
Texas
State Average Full Coverage Rate
$1,695
Beaumont, TX
City Average Full Coverage Rate
$1,809Beaumont Car Insurance is Costly:$114 more
This is 7% more expensive.
What Is the Average Car Insurance Rate in Beaumont?
Beaumont's average annual cost of full coverage car insurance is $1,809, and minimum coverage costs $892. These rates are higher than Texas' averages of $1,695 and $810, respectively.
| State Average | $810 | $1,695 |
| Beaumont Average | $892 | $1,809 |
Cheapest Car Insurance Companies in Beaumont
While premiums may rise across Texas, you can still find affordable car insurance in Beaumont. Texas Farm Bureau offers the cheapest minimum coverage at $33 per month and full coverage at $69.
WHY CAR INSURANCE IN BEAUMONT IS EXPENSIVE
Car insurance is expensive in Beaumont due to traffic congestion and many claims. Beaumont ranks high among Texas cities for costly insurance premiums. Many uninsured drivers, frequent personal injury lawsuits and insurance fraud drive up costs statewide.
Cheap Car Insurance in Beaumont
Texas Farm Bureau often provides the cheapest car insurance in Beaumont, but each driver's rates vary. To find affordable coverage, compare quotes from different insurers. The table below highlights the lowest rates for different driver profiles.
| Texas Farm Bureau | Minimum Coverage | $33 |
| Texas Farm Bureau | Full Coverage | $69 |
| State Farm | Teens | $228 |
| Texas Farm Bureau | Young Adults | $64 |
| Texas Farm Bureau | Seniors | $43 |
| Texas Farm Bureau | Bad Credit | $111 |
| Progressive | Drivers With a DUI | $92 |
| State Farm | Drivers With an Accident | $85 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $51 |
Car Insurance Rates in Beaumont by Company
To get the cheapest car insurance, compare rates from different companies. Below, we've detailed the most affordable minimum and full coverage plans in Beaumont.
Cheapest Car Insurance Companies for Minimum Coverage in Beaumont
Texas Farm Bureau provides the cheapest minimum coverage auto insurance in Beaumont at $33 per month, followed by Mercury at $40. The table below provides a detailed breakdown of the affordable options.
| Texas Farm Bureau | $33 | $41 |
| Mercury | $40 | $34 |
| State Farm | $44 | $30 |
| National General | $53 | $21 |
| Progressive | $56 | $18 |
| AAA Texas | $61 | $14 |
| Allstate | $72 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Beaumont
Texas Farm Bureau offers the cheapest full coverage car insurance in Beaumont at $69 per month. Explore the list of providers and their rates below.
| Texas Farm Bureau | $69 | $82 |
| State Farm | $92 | $59 |
| Progressive | $103 | $48 |
| AAA Texas | $118 | $33 |
| National General | $118 | $32 |
| GEICO | $135 | $15 |
| Allstate | $137 | $13 |
| Mercury | $137 | $13 |
Car Insurance Companies in Beaumont
Texas Farm Bureau offers the most affordable car insurance in Beaumont at $612 annually. For the best cheap option, Chubb scores 89 out of 100 on MoneyGeek. Check the table below for more options.
| Chubb | 89 | $1,503 |
| Mercury | 75 | $1,066 |
| State Farm | 74 | $814 |
| Foremost | 74 | $1,853 |
| Texas Farm Bureau | 73 | $612 |
| AAA Texas | 73 | $1,070 |
| Progressive | 65 | $956 |
| Nationwide | 63 | $1,635 |
| GEICO | 62 | $1,259 |
| Allstate | 61 | $1,259 |
| National General | 52 | $1,029 |
| Dairyland | No Data | $3,148 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Beaumont by Age
Middle-aged drivers and younger seniors pay Beaumont's lowest car insurance rates, averaging $1,809 per year for 40-year-olds and $1,742 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $3,679 | $-1,244 |
| 17 | $3,541 | $-1,106 |
| 18 | $3,096 | $-661 |
| 19 | $2,634 | $-199 |
| 20 | $2,758 | $-323 |
| 21 | $2,039 | $396 |
| 22 | $2,046 | $389 |
| 23 | $2,121 | $314 |
| 24 | $1,990 | $445 |
| 25 | $2,365 | $-524 |
| 40 | $1,809 | $32 |
| 65 | $1,742 | $99 |
Cheapest Car Insurance for Teens in Beaumont
Nationwide offers the cheapest overall car insurance for teens in Beaumont, with full coverage at $150 monthly, saving $119 compared to the state average. The table below highlights other affordable options for this age group.
| Nationwide | $150 | $119 | $375 |
| State Farm | $171 | $98 | $228 |
| GEICO | $213 | $57 | $259 |
| Foremost | $299 | $-29 | $642 |
| Progressive | $308 | $-38 | $827 |
| Allstate | $478 | $-208 | $481 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Beaumont
Texas Farm Bureau offers the lowest monthly rates for young drivers in Beaumont: $43 for minimum coverage and $85 for full coverage. The table below compares low-cost options across different driver profiles.
| Texas Farm Bureau | Minimum Coverage | $43 |
| Texas Farm Bureau | Full Coverage | $85 |
| Texas Farm Bureau | Bad Credit | $140 |
| Progressive | Drivers With a DUI | $113 |
| State Farm | Drivers With an Accident | $105 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $64 |
Cheapest Car Insurance Companies for Young Drivers in Beaumont
Texas Farm Bureau offers the most affordable auto insurance for young drivers in Beaumont at $64 monthly. Other companies with low rates include State Farm at $86 and Progressive at $101. The table below shows other low-cost options.
| Texas Farm Bureau | $64 | $84 |
| State Farm | $86 | $61 |
| Progressive | $101 | $47 |
| National General | $110 | $37 |
| AAA Texas | $114 | $33 |
| GEICO | $123 | $25 |
| Mercury | $123 | $25 |
| Allstate | $136 | $11 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Beaumont
Texas Farm Bureau is often the most affordable car insurance provider for seniors in Beaumont, though rates vary by driving history and credit score. The table below shows the cheapest options for different driver and coverage profiles.
| Texas Farm Bureau | Minimum Coverage | $29 |
| Texas Farm Bureau | Full Coverage | $57 |
| Texas Farm Bureau | Bad Credit | $93 |
| Texas Farm Bureau | Drivers With a DUI | $93 |
| Texas Farm Bureau | Drivers With an Accident | $76 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $43 |
Cheapest Car Insurance for Seniors in Beaumont
Texas Farm Bureau offers the cheapest monthly premium for seniors, $43, for minimum and full coverage policies. State Farm follows at $62. The table below shows the top car insurance providers for seniors in Beaumont.
| Texas Farm Bureau | $43 | $67 |
| State Farm | $62 | $48 |
| Progressive | $81 | $30 |
| AAA Texas | $90 | $21 |
| Mercury | $94 | $16 |
| National General | $94 | $16 |
| Allstate | $102 | $8 |
| GEICO | $106 | $4 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Beaumont
Beaumont's high-risk drivers pay higher minimum and full coverage rates than the state averages. Those with bad credit or DUIs on their records face the highest car insurance rates, while accidents and speeding tickets have a smaller effect on costs.
| State Average | $1,190 | $2,417 |
| Beaumont Average | $1,316 | $2,600 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Insurers consider most minor driving incidents, like a not-at-fault accident or speeding ticket, for a few years. For serious offenses, such as DUIs, insurers may take account for much longer, often leading to the need for an SR-22 to meet Texas' minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Beaumont
Mercury offers the cheapest minimum coverage for drivers with a DUI in Beaumont at $692 per year. Progressive provides the lowest full coverage rate at $1,478. Check out the table below for more low-cost coverage options.
| Mercury | $58 | $186 |
| Progressive | $60 | $123 |
| National General | $67 | $141 |
| Texas Farm Bureau | $78 | $141 |
| State Farm | $85 | $168 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Beaumont
State Farm and Texas Farm Bureau offer the cheapest auto insurance after an at-fault accident in Beaumont at $56 monthly. The table below shows various providers offering affordable coverage.
| State Farm | $56 | $114 |
| Texas Farm Bureau | $56 | $115 |
| Mercury | $87 | $278 |
| Progressive | $88 | $175 |
| AAA Texas | $90 | $169 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Beaumont
Texas Farm Bureau is the cheapest car insurance provider for drivers with speeding tickets in Beaumont, offering minimum coverage for $33 and full coverage for $69 monthly. Check the table below to see how much other providers charge drivers with speeding tickets.
| Texas Farm Bureau | $33 | $69 |
| State Farm | $44 | $92 |
| Mercury | $59 | $198 |
| National General | $66 | $158 |
| Progressive | $66 | $133 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Beaumont
Mercury offers the most affordable rates for drivers with bad credit in Beaumont, with minimum coverage at $57 per month. Texas Farm Bureau has the cheapest full coverage at $153. See the table below for other affordable options.
| Mercury | $57 | $207 |
| Texas Farm Bureau | $70 | $153 |
| National General | $81 | $210 |
| Progressive | $85 | $177 |
| AAA Texas | $94 | $182 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Beaumont, TX
Texas mandates that each city follows statewide car insurance minimums. Your policy must include at least:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
If you're in a fender-bender, minimum coverage helps pay for damages, covering the basics so you’re not stuck paying out of pocket.
Cheap Car Insurance in Beaumont: Bottom Line
Texas Farm Bureau provides the cheapest car insurance in Beaumont, with rates starting at $33 for minimum coverage and $69 for full coverage. Affordable options are available for drivers of all ages and credit histories. Ensure your policy meets Texas’ minimum requirements to stay legal. Compare providers to find the best price for the coverage you need.
Beaumont Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in Beaumont.
What is the cheapest car insurance company in Beaumont, TX?
Texas Farm Bureau is the cheapest car insurance company in Beaumont, Texas. It offers minimum coverage at $33 monthly, saving an average of $41.
What is the best car insurance company in Beaumont, TX?
Chubb is the top car insurance provider in Beaumont, Texas, with a MoneyGeek score of 89 out of 100. Minimum coverage costs $1,503 annually.
How much does car insurance cost on average in Beaumont, TX?
The average monthly cost of minimum coverage auto insurance in Beaumont, Texas, ranges from $75 to $132.
Best Cheap Car Insurance in Beaumont: Our Methodology
MoneyGeek analyzed Beaumont auto insurance prices using the Texas Department of Insurance and Quadrant Information Services data.
Beaumont Driver Profile
To assess the best and most affordable auto insurance options for Beaumont residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Beaumont
In assessing the car insurance quotes for Beaumont, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Texas' minimum coverage requirements:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Beaumont
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Beaumont for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details, visit MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.