Cheapest Car Insurance Quotes In Beaumont, TX For 2024

In Beaumont, State Farm is recognized as the most economical choice, offering an average rate of $28 per month.

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Updated: 01 April 2024
Written by
Bob Phillips
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When searching for the most budget-friendly car insurance in Beaumont, TX, options can vary, but State Farm stands out for its competitive rates. On average, residents can obtain car insurance for approximately $28 per month, significantly below the state’s average of $125.

For those specifically seeking the most affordable liability-only coverage, State Farm emerges as the top choice. Meanwhile, drivers seeking more comprehensive protection will find that State Farm also offers the best rates for full coverage policies, priced at $68 a month. Additionally, State Farm provides the cheapest rates for young drivers, starting at $145 per month.

Cheapest Car Insurance Companies In Beaumont, TX

Cheapest Car Insurance, Beaumont, TX

Our Methodology

Utilizing a thorough analysis that considers various aspects such as customer service ratings, product offerings, pricing, and a comprehensive evaluation of online reviews and user feedback, I have developed an insightful perspective on the car insurance landscape in Beaumont, TX. This perspective is informed by over 15 years of personal involvement in the insurance industry as a licensed agent. It encompasses numerous interactions with representatives from different companies and insights derived from firsthand experience.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Beaumont, TX?

State Farm provides the most affordable car insurance in Beaumont, TX, with coverage available for $127 per month.

As illustrated in the table below, these rates are notably lower than the average rates in both the State of Texas and the United States as a whole.

Area Average Monthly Rate
National $143
Texas $125
Beaumont, TX $127

It’s important to note that the national average cost considers a wide range of states with varying insurance costs, including both high-cost states like New York, New Jersey, and California, as well as low-cost states like Mississippi, Kentucky, and Wyoming. Insurance rates vary based on numerous factors, including vehicle type, coverage amount, zip code, driving record, and more. Therefore, rates can fluctuate significantly depending on the specific location and individual circumstances.

Cheapest Car Insurance Rates In Beaumont For Full Coverage

State Farm has the cheapest car insurance rates for full coverage. Their quotes average $68 a month in Beaumont.

Provider Average Monthly Cost Average Annual Cost
Progressive $244 $2,924
GEICO $108 $1,294
Farm Bureau $86 $1,030
Allstate $238 $2,854
State Farm $68 $814

Full coverage car insurance provides an all-encompassing protective umbrella that goes beyond the basic coverage mandated by law. This insurance typically merges comprehensive and collision coverages.

Comprehensive coverage safeguards against non-collision incidents, including theft, vandalism, or natural events, while collision coverage ensures financial protection for vehicle damages due to accidents, without regard to the responsible party.

Cheapest Car Insurance Rates In Beaumont For Teenagers

Teenage drivers in Beaumont can find the cheapest quotes from Nationwide, with average monthly premiums of $107.

Provider Average Monthly Cost Average Annual Cost
State Farm $129 $1,542
GEICO $163 $1,958
Nationwide $107 $1,291
Progressive $278 $3,340
Allstate $453 $5,438

Teenage drivers often face the most expensive car insurance premiums, and this is predominantly due to their inexperience behind the wheel. Insurance providers consider these young motorists to be a high-risk category because they are statistically more prone to be involved in accidents and commit traffic infractions.

Cheapest Car Insurance Rates In Beaumont For Young Adults

State Farm offers the cheapest quotes for young adults in Beaumont. Rates are around $145 a month.

Provider Average Monthly Cost Average Annual Cost
State Farm $145 $1,740
Nationwide $175 $2,100
Mercury $210 $2,520
Allstate $264 $3,119
Travelers $278 $3,214

In Texas, young adult drivers typically benefit from lower car insurance rates compared to their teenage counterparts. This discrepancy in pricing is attributed to the maturation of driving habits and a corresponding decrease in risk-taking behaviors as drivers age.

Statistically, young adults are less likely to file claims with insurance companies, a factor that reflects a reduction in accident involvement. Consequently, insurers adjust premiums downward, recognizing the improved safety records and decreased likelihood of claims from these more experienced drivers

Cheapest Car Insurance Rates In Beaumont For Minimum Coverage

State Farm is the cheapest car insurance company for minimum coverage in Beaumont, with an average monthly cost of $28.

Provider Average Monthly Cost Average Annual Cost
GEICO $33 $417
Progressive $75 $898
Texas Farm Bureau $37 $442
State Farm $28 $334
Allstate $65 $778

Minimum car insurance policy in Texas should have at least the following:

  • $25,000 property damage liability per accident
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident

Having minimum car insurance provides you with some protection while on the road, but it does not include collision or comprehensive insurance, which means damages to your own vehicle in the event of an accident or other incidents like theft and natural disasters won’t be covered.

Driving without insurance is also illegal in Texas. Your inability to show proof of insurance during a traffic stop may result in various penalties. These may range from being fined to having your license suspended or worse.

Cheapest Car Insurance Rates In Beaumont For Seniors

Texas farm Bureau quotes average $38 a month, the cheapest car insurance rates for seniors in Beaumont.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $38 $456
GEICO $62 $744
State Farm $47 $564
Mercury $70 $840
Allstate $55 $660

In Texas, many seniors may find advantageous car insurance rates, influenced by a range of beneficial factors. Although age is typically a factor in insurance rate determinations, with older age sometimes associated with decreased driving ability, this stereotype does not hold true for all.

Cheapest Car Insurance Rates In Beaumont For Good Drivers

Good drivers in Beaumont can find the cheapest car insurance quotes from State Farm, at around $28 a month.

Provider Average Monthly Cost Average Annual Cost
GEICO $33 $417
Progressive $75 $898
Texas Farm Bureau $37 $442
State Farm $28 $334
Allstate $65 $778

Drivers with clean driving records in Lubbock typically receive lower car insurance rates because they’re perceived as lower risk. Insurance companies use driving records as a way to gauge how safely a person drives. Fewer incidents, like accidents or traffic violations, suggest that the driver is cautious and less likely to file a claim.

Since insurers base their rates on the likelihood of a driver making a claim, a spotless driving record can lead to significant savings on premiums. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and, consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Beaumont For Drivers With Prior Incidents

In Beaumont, drivers with records of traffic violations, including accidents, speeding, or DUIs, often face difficulties obtaining affordable car insurance. Such driving infractions lead insurance companies to label them as high-risk, a designation that comes with the expectation of a greater chance of filing future insurance claims.

Consequently, insurance providers adjust their rates upward for these individuals to mitigate the risk of incurring higher claim payouts.

Cheapest Car Insurance Rates In Beaumont For Drivers With A Speeding Ticket

State Farm is very cheap compared to other companies. The company offers average rates of $47 a month.

Provider Average Monthly Cost Average Annual Cost
State Farm $47 $590
Mercury $100 $1,208
Geico $79 $964
Allstate $64 $776
Progressive $140 $1,703

Cheapest Car Insurance Rates In Beaumont For Drivers With An At-Fault Accident

State Farm offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $59 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $59 $731
Chubb $160 $1,954
GEICO $93 $1,135
Progressive $175 $2,126
Allstate $100 $1,209

Cheapest Car Insurance Rates In Beaumont For Drivers After A DUI

State Farm is the company with the cheapest rates for drivers after a DUI. They offer Beaumont drivers average monthly premiums of $87.

Provider Average Monthly Cost Average Annual Cost
State Farm $87 $1,070
Chubb $213 $2,561
Progressive $128 $1,565
Geico $113 $1,372
Allstate $104 $1,275

Best Car Insurance Companies In Beaumont

For drivers in Beaumont, choosing the right car insurance company is as much about finding affordable rates as it is about securing reliable protection on the road. Shown below are the top 10 car insurance companies in Beaumont, TX, ranked by the average monthly rate they offer.

Company Monthly Premium
Texas Farm Bureau $78
Clearcover $150
USAA $117
Direct Auto $85
Mercury $115
Kemper $147
SafeAuto $127
State Farm $97
Mercury $147
Nationwide $140

Average Car Insurance Rates By Age In Beaumont

Age Average Yearly Rate
Teenagers $3,690
20s $1,992
30s $1,236
40s $1,176
50s $1,080
60s $960
70s $1,212

Age is a significant factor in determining car insurance rates. Generally, younger drivers, particularly teens and young adults, face higher insurance premiums due to their inexperience and statistically higher likelihood of accidents and traffic violations. As drivers reach the age of 25, their rates typically start to decrease, assuming a clean driving record.

The most favorable insurance rates are often found for drivers in their 50s and early 60s. Insurance companies use age as a metric to gauge driving experience and risk potential, influencing the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Beaumont

Vehicle Average Monthly Rate
Nissan Rogue $202
Toyota Tacoma $248
Ford Escape $297
Ram 2500 $308
Chevrolet Cruze $175

The type of vehicle you drive significantly influences your car insurance costs. Factors such as the make, model, year, and body type of the car are all taken into account by insurance companies. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers consider these aspects because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Texas?

City Average Monthly Rate
Midland $118
Sherman $108
Amarillo $114
Arlington $130
Laredo $150
El Paso $122
Fort Worth $123
Baytown $140
Irving $135
Alpine $118

The city where you live has a substantial influence on your car insurance rates. Insurance providers evaluate several factors associated with your location, such as the probability of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk frequently results in higher insurance premiums.

FAQs

Who has the lowest car insurance rates in Beaumont?

The lowest car insurance rates in Beaumont are offered by State Farm for the minimum coverage required by the State of Texas and State Farm for full coverage, which includes comprehensive and collision coverage

What is the average cost of car insurance in Beaumont?

The average cost of car insurance in Beaumont is about $127 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.

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