Cheap Quotes for Beaumont, TX Car Insurance (2021)

Beaumont, Texas car insurance rates average $358 a month and Texas law requires coverage of at least 30/60/25. By comparing rates from multiple Beaumont, TX companies, you can find cheap Beaumont car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • The cheapest car insurance company in Beaumont is USAA
  • Average car insurance rates in Beaumont, TX for senior drivers are $2,597/year
  • Average car insurance rates in Beaumont, TX after a DUI are $4,886/year

How do the Beaumont, Texas monthly average car insurance rates of $358/month compare to nearby cities like Corpus Christi car insurance rates, San Antonio car insurance rates, and Laredo car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Beaumont, TX.

We’ll cover the Texas minimum coverage requirements, Texas car insurance laws, and Beaumont, TX statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Beaumont, Texas companies to find the most affordable Beaumont car insurance rates.

Enter your ZIP code above to find cheap Beaumont, TX car insurance quotes today.

What are the minimum Beaumont, TX car insurance requirements?

To meet Texas minimum car insurance coverage requirements, Beaumont, TX drivers need to carry at least 30/60/25 coverage.

Minimum Required Car Insurance Coverage in Beaumont, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Beaumont, TX Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Beaumont, TX you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Beaumont, Texas

ZIP Code Average Annual Rates
77701 $6,397
77702 $6,412
77703 $6,474
77705 $6,573
77706 $6,339
77707 $6,411
77708 $6,386
77713 $6,257

How do age, gender, and marital status affect Beaumont, TX car insurance rates?

Three of the criteria that most affect car insurance rates in Beaumont, Texas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Beaumont car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Beaumont, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,733 $3,757 $3,684 $3,684 $9,919 $11,944 $4,603 $4,780
American Family $3,008 $3,370 $2,868 $3,306 $8,499 $11,152 $4,425 $5,067
GEICO $2,777 $3,027 $2,717 $3,136 $6,256 $6,466 $3,012 $2,979
Nationwide $2,604 $2,645 $2,299 $2,432 $7,524 $9,652 $3,074 $3,325
Progressive $2,620 $2,467 $2,336 $2,378 $11,213 $12,502 $3,091 $3,116
State Farm $2,346 $2,346 $2,098 $2,098 $5,746 $7,342 $2,559 $2,631
USAA $1,745 $1,747 $1,675 $1,652 $4,977 $5,391 $2,318 $2,464

How much do teen drivers pay for car insurance in Beaumont, TX?

Beaumont, Texas car insurance rates for teens are often higher than rates for other drivers. Compare Beaumont car insurance rates from multiple Beaumont, Texas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Beaumont, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,919 $11,944
American Family $8,499 $11,152
GEICO $6,256 $6,466
Nationwide $7,524 $9,652
Progressive $11,213 $12,502
State Farm $5,746 $7,342
USAA $4,977 $5,391

How much do senior drivers pay for car insurance in Beaumont, TX?

With a little research, seniors can find affordable car insurance in Beaumont, Texas. Here’s a look at how the top Beaumont car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Beaumont, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,684 $3,684
American Family $2,868 $3,306
GEICO $2,717 $3,136
Nationwide $2,299 $2,432
Progressive $2,336 $2,378
State Farm $2,098 $2,098
USAA $1,675 $1,652

How does coverage level affect Beaumont, TX car insurance rates?

How much coverage do you need? Are you comfortable with the Texas minimum of 30/60/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Beaumont, TX car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Beaumont, Texas

Insurance Company Low Medium High
Allstate $5,616 $5,708 $5,965
American Family $4,852 $5,010 $5,774
GEICO $3,562 $3,738 $4,089
Nationwide $4,513 $4,015 $4,054
Progressive $4,696 $4,938 $5,262
State Farm $3,198 $3,382 $3,608
USAA $2,641 $2,734 $2,864

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How does your driving record affect Beaumont, TX car insurance rates?

Safe driving pays off. The more traffic violations you have in Beaumont, TX, the higher your car insurance rates will be. Compare rates based on driving infractions from top Beaumont, Texas companies.

Annual Beaumont, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,447 $6,933 $7,225 $4,447
American Family $4,718 $6,099 $5,313 $4,718
GEICO $3,216 $4,296 $3,528 $4,144
Nationwide $3,636 $3,636 $5,396 $4,109
Progressive $4,323 $5,623 $5,052 $4,863
State Farm $3,003 $3,463 $4,115 $3,003
USAA $2,039 $3,031 $3,573 $2,342

How does a DUI affect Beaumont, TX car insurance rates?

With even one DUI on your record, you can see an increase in your Beaumont, TX car insurance rates.

Annual Car Insurance Rates After a DUI in Beaumont, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,225
American Family $5,313
GEICO $3,528
Nationwide $5,396
Progressive $5,052
State Farm $4,115
USAA $3,573

How does your credit history affect Beaumont, TX car insurance rates?

Take a look at the data here to see how your Beaumont, Texas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Beaumont, Texas

Insurance Company Poor Fair Good
Allstate $7,326 $5,366 $4,597
American Family $7,116 $4,550 $3,969
GEICO $5,878 $3,313 $2,198
Nationwide $5,033 $4,043 $3,507
Progressive $5,579 $4,834 $4,483
State Farm $4,800 $2,996 $2,392
USAA $4,019 $2,337 $1,884

How does your commute affect Beaumont, TX car insurance rates?

Beaumont, TX car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Texas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Beaumont if you’re financing.

Annual Car Insurance Rates by Commute Length in Beaumont, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,619 $5,907
American Family $5,212 $5,212
GEICO $3,727 $3,866
Nationwide $4,194 $4,194
Progressive $4,965 $4,965
State Farm $3,396 $3,396
USAA $2,711 $2,781

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Who has the cheapest Beaumont, TX car insurance rates?

Here’s a breakdown of Beaumont, Texas car insurance rates by company. You can see which company offers the cheapest Beaumont car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Beaumont, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

What are the top Beaumont, TX car insurance companies?

Which Beaumont, Texas car insurance company will best fit your needs and budget? Check out this comparison of the top Beaumont companies to find the one for you.

Average Annual Car Insurance Rates by Company in Beaumont, Texas

Insurance Company Average Annual Rates
Allstate $5,763
American Family $5,212
GEICO $3,796
Nationwide $4,194
Progressive $4,965
State Farm $3,396
USAA $2,746

What factors affect Beaumont, TX car insurance rates?

Why are Beaumont, Texas car insurance rates different than rates in Corpus Christi or San Antonio? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Beaumont, TX?

FBI statistics show that the Beaumont, Texas car theft rate is 410 thefts each year. High theft rates can lead to higher than average Beaumont, TX car insurance rates.

How long is the average commute in Beaumont, TX?

More time spent behind the wheel can lead to higher Beaumont, Texas car insurance rates. In Beaumont, TX, the average commute length is 18.8 minutes.

What is the traffic like in Beaumont, TX

Like commute length, time spent in traffic also increase risk of accidents. Beaumont, TX is listed as 748th in INRIX congested cities data.

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Car Insurance Quotes for Beaumont, TX

Shop for affordable Beaumont, Texas car insurance rates today. Enter your ZIP code to compare quotes from multiple Beaumont, TX car insurance companies.

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