The average cost of full coverage car insurance in Beaumont is $1,952. This is significantly higher than the Texas state average, which comes in at $1,818.
The best way to find the most affordable coverage is to compare policy options from a number of insurance companies. Policygenius can help you see quotes from top providers and choose the coverage that's right for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Beaumont, TX
Car insurance companies use a number of different factors to determine insurance rates. Everything from your age and driving history to vehicle type and even your credit score is used in this calculation.
But each insurance company uses a different internal system to determine the risk and coverage options for individual drivers, so rates and coverage options can vary widely from company-to-company.
Company | Average cost | JD Power Rating |
|---|---|---|
Farm Bureau | $1,167 | -- |
State Farm | $1,220 | 882 |
Germania Insurance | $1,452 | -- |
Southern County Mutual | $1,590 | -- |
USAA | $1,617 | 890 |
Cheapest car insurance rates by ZIP code in Beaumont, TX
Where you live within a given city can be one of the biggest factors in determining your rate. Some ZIP codes have higher rates of crime or traffic incidents. Some ZIP codes have fewer parking options, which can also factor into rates.
The table below displays the average cost of car insurance in some of the ZIP codes in Beaumont, TX.
ZIP code | Average cost |
|---|---|
77713 | $1,913 |
77707 | $1,932 |
77706 | $1,937 |
77708 | $1,960 |
77702 | $1,960 |
77705 | $1,968 |
77701 | $1,973 |
77703 | $1,976 |
Choosing the right car insurance company in Beaumont, TX
There are a number of factors to consider when shopping for car insurance. It's important to consider things other than just cost and coverage, you should look at discount and bundles options, as well as customer service ratings of any insurance company you are considering.
If you're ready to start shopping, Policygenius can help you see quotes from top providers in your and choose the coverage that's right for you.
Car insurance rates for drivers with driving violations in Beaumont, TX
Driving history is also used when determining possible rates and coverage options. Car insurance companies usually look at the last 3 to 5 years of your driving history when calculating your rates. Drivers with violations or incidents within that time frame can expect to see higher rates.
Violation | Farm Bureau | State Farm | Germania Insurance | Southern County Mutual | USAA |
|---|---|---|---|---|---|
At-fault accident | $2,028 | $1,469 | $2,017 | $2,411 | $2,637 |
DUI | $2,543 | $1,983 | $3,448 | $2,147 | $2,610 |
Suspended license | $1,274 | $1,726 | $2,733 | $2,147 | $2,418 |
Open container | $2,543 | $1,878 | $1,558 | $2,147 | $1,964 |
Expired registration | $1,274 | $1,236 | $1,558 | $1,789 | $1,964 |
Driving without lights | $1,274 | $1,236 | $1,558 | $1,789 | $1,964 |
Running a red light | $1,274 | $1,236 | $1,558 | $1,789 | $1,964 |
Following too closely | $1,274 | $1,236 | $1,558 | $1,789 | $1,964 |
Hit and run | $1,274 | $1,983 | $3,448 | $2,147 | $2,610 |
Not-at-fault accident | $1,274 | $1,236 | $1,620 | $1,670 | $1,736 |
Passing a school bus | $1,274 | $1,236 | $1,558 | $2,147 | $1,964 |
Reckless driving | $1,274 | $1,983 | $3,448 | $2,147 | $2,610 |
Speeding | $1,274 | $1,236 | $1,558 | $1,789 | $1,964 |
Cheapest car insurance for drivers with bad credit in Beaumont, TX
There are only a few states that prohibit insurance companies from using credit score as a factor when determining insurance rates. Texas is not one of those states, so car insurance companies in Texas can and do use credit scores as one of many factors in setting prices.
Drivers with low credit scores can expect to pay higher rates, but some companies are friendlier to drivers with poor credit than others.
Company | Rates for drivers with bad credit |
|---|---|
Redpoint County Mutual | $1,734 |
Auto Club | $2,863 |
Germania Insurance | $2,863 |
Farm Bureau | $2,921 |
Southern County Mutual | $2,998 |
Buying car insurance in Beaumont, TX
The minimum requirements for car insurance in the state of Texas are a 30/60/25 breakdown. This means Texas drivers are required to have an insurance policy that covers at least $30,000 per person and $60,000 per accident in bodily liability coverage, and a minimum of $25,000 in property damage liability coverage.
Texas does not require drivers to have additional coverage like uninsured/underinsured motorist coverage. These additional coverages may be necessary, but they are not mandatory.
Additionally, Texas is an at-fault state. That means the insurance company of the driver responsible for an accident will pay for the damage and injuries for all parties.
How to get cheap car insurance in Beaumont, TX
There are ways to make car insurance cheaper and more affordable without losing coverage.
Ask about discounts or bundles: Many insurance companies offer discounts or bundles for clients. These discounts can help offset some of the expense.
Improve your credit score: Taking steps to improve low credit scores can lead to major savings.
Raise your deductible: Increasing your insurance deductible can decrease rates significantly.
Frequently asked questions
Which company has the cheapest car insurance in Beaumont, Texas?
Texas Farm Bureau has the cheapest car insurance in Beaumont, Texas. Drivers may also get affordable coverage from State Farm and Germania Insurance.
What is the monthly cost of car insurance in Beaumont, Texas?
On average, the cost of car insurance in Beaumont, Texas, is $163 per month. Compared to the average cost of coverage in Texas, premiums are more expensive in Beaumont.
Which ZIP code in Beaumont, TX has the highest average insurance rate?
77703 is the Beaumont ZIP code that has the highest average car insurance rates. These averages are determined using a number of area factors.
Are there other factors used to determine car insurance rates?
Gender can be used as a factor when determining car insurance rates, but you cannot be denied coverage based on your gender. Marital status, past claims, lapses in coverage and whether or not you own your home can also factor into your rates.
