Beaumont, TX Car Insurance

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What's the average cost of car insurance in Beaumont?

 

Car insurance coverage costs an average of $1,529 each year in Beaumont. That's more than the average in Texas ($1,415) and less expensive than the national average of $1,548. Our guide to car insurance in Beaumont — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

 
BEAUMONT CAR INSURANCE RATES
Beaumont Average (yearly)Texas AverageU.S. Average
$1,529$1,415$1,548
 
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Beaumont auto insurance rates by insurance 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. Don't forget to get car insurance quotes based on your driving profile.

 
BEAUMONT CAR INSURANCE POLICY RATES BY COMPANY
Insurance CompanyAverage Yearly Rate
USAA$1,318
GEICO$1,329
State Farm$1,440
Allstate$2,441
 

Consult our expert guide to finding the best cheap car insurance.

 

Auto insurance premiums by age in Beaumont

Beaumont drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,331 per year, on average. Drivers in their 60s don't pay significantly more ($1,379).

Teen 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.

 
CAR INSURANCE RATES BY AGE TIER IN BEAUMONT
Age tierAverage Annual Rate
Teenagers$3,924
20s$1,988
30s$1,505
40s$1,465
50s$1,331
60s$1,379
70s$1,701
 

Learn more about the impact of age on car insurance premiums.

 

Beaumont auto insurance rates by marital status and gender

 

Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Beaumont, married motorists pay $96 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Beaumont, single drivers pay more than those who are widowed.

Gender is yet another factor that can affect auto insurance premiums. The typical male driver in Beaumont pays $7 more each year for car insurance than does his female counterpart.

 
BEAUMONT CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Annual Rate
Female$1,522
Male$1,529
Single$1,433
Married$1,433
Divorced$1,529
Widowed$1,397
 

Learn more about how gender and marital status impact insurance rates.

 

Beaumont car insurance costs by driving history

 

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs, 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.

 
BEAUMONT CAR INSURANCE RATES AFTER A COLLISION OR CITATION
ViolationAverage Annual Rate
DWI/DUI$2,401
Reckless Driving$2,383
At-fault Accident (damages < $1,000)$1,946
At-fault Accident (damages greater than $2,000)$2,324
Speeding Ticket (16-20 mph over speed limit)$1,661
 

Learn more about citations' impact on your auto insurance rates.

 

Beaumont car insurance rates by credit level

 

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 $1,347 decrease in annual car insurance rates.

 
BEAUMONT CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit LevelAverage Yearly Rate
Very Poor$3,259
Fair$1,912
Good$1,529
Very Good$1,417
Exceptional$1,254
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

Compare car insurance rates side-by-side today.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.