Beaumont, TX Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Beaumont.
How much does car insurance cost in Beaumont?
Car insurance coverage costs an average of $764 each year in Beaumont. That's more than the average in Texas ($707) and less expensive than the national average of $880. Our guide to car insurance in Beaumont includes average premiums based on age, credit score, and other factors. Read on to learn more!
| Car insurance in Beaumont vs. Texas | Average 6 Mo. Premium |
|---|---|
| Beaumont average | $764 |
| Texas average | $707 |
The Zebra's key takeaways about car insurance in Beaumont:
- The average cost of a car insurance policy in Beaumont is $764 per six-month policy — $127 per month.
- The cheapest company in Beaumont is USAA ($659).
- 38% of Zebra customers in Beaumont stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Beaumont car insurance rates by company
The difference in auto insurance rates from company to company can be substantial. For a typical insurance customer, USAA provides Beaumont's cheapest rates. See below the best options for affordable auto insurance in Beaumont. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $659 |
| GEICO | $664 |
| State Farm | $720 |
| Allstate | $1,220 |
| USAA | $659 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Beaumont.
Beaumont auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 25% of Beaumont drivers. Beaumont drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $665 per six-months, on average. Drivers in their 60s don't pay significantly more ($689).
Teenage drivers pay Beaumont's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Beaumont is to age out of your teenage years. In Beaumont, teenage drivers pay $3,924 — a full $2,546 more than the second-most expensive rate paid by an age group.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $1,962 |
| 20s | $994 |
| 30s | $752 |
| 40s | $732 |
| 50s | $665 |
| 60s | $689 |
| 70s | $850 |
Beaumont car insurance rates by credit score
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Beaumont drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 62% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Beaumont, improving your credit to "Fair" corresponds with a $673 decrease in six-month car insurance rates. Our data tells us 42% of drivers in Beaumont have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,629 |
| Fair | $956 |
| Good | $764 |
| Very Good | $708 |
| Exceptional | $627 |
Beaumont car insurance rates by violation
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs and DWIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. Beaumont drivers found guilty of reckless driving face insurance rate increases of $854 per year, compared to the citywide average. A DUI violation may lead to an $872 increase, while a citation for speeding leads to a $133 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,200 |
| Reckless Driving | $1,191 |
| At-fault Accident (damages < $1,000) | $973 |
| At-fault Accident (damages greater than $2,000) | $1,162 |
| Speeding Ticket (16-20 mph over speed limit) | $830 |
Compare over 100 insurance companies at once!
Related Content
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.