Car Insurance in Beaumont, TX
- GEICO offers the cheapest car insurance in Beaumont at $159/mo.
- Compare and save on auto insurance in or near Beaumont, TX with The Zebra.
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About The Zebra's recommendations
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Beth Swanson is The Zebra’s Insurance Analyst and Communications Specialist, covering content, PR, and legislative insurance trends. A licensed insur…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of experience in the insurance industry
How much does car insurance cost in Beaumont?
Car insurance in Beaumont averages $1,423 ($237 per month)[1] — more expensive than the average premium in Texas ($1,310). In fact, 38% of our customers in Beaumont admit they're paying too much for their car insurance.
GEICO is the cheapest option for most drivers looking to save, with full coverage rates around $159 per month.
- GEICO offers the cheapest full coverage rates in Beaumont at $159/mo. For minimum liability coverage, GEICO is the cheapest option at $58/mo.
- Car insurance in Beaumont is so expensive primarily because of destructive weather events, heavy traffic congestion, and the high rate of uninsured drivers.
- An at-fault accident in Beaumont can cause rate hikes of up to $918 on a 6-month policy.
Cheap liability and full coverage auto insurance in Beaumont
As of 2026, GEICO offers Beaumont's lowest full coverage rates, with premiums of around $159 per month. For liability coverage, GEICO also has the lowest monthly premium at about $58. USAA is another good option for military members and their immediate families.
Full coverage typically includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 36% of Texas drivers carry only the state’s minimum required coverage. The minimum is enough to drive legally, but it may not be enough to protect your finances after an accident.
Source: The Zebra • Current as of: Oct 28, 2026
The Zebra’s Dynamic Insurance Rating Tool 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.
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Why is car insurance in Beaumont so expensive?
Beaumont drivers pay higher rates due to a mix of weather risks, the number of drivers, and location.
1. Weather
Beaumont's Gulf Coast location makes it especially vulnerable to weather events. Hurricanes, flooding, and powerful thunderstorms can cause costly insurance claims. As weather-related losses rise across Texas, insurers may limit coverage options and increase premiums in Beaumont.
2. Busy highways and commercial traffic:
Heavy traffic along Interstate 10, U.S. Highway 69, and other major roads through Beaumont contributes to frequent accidents and insurance claims. As claims increase, insurers often pass those higher costs on to drivers through higher premiums.
Source: The Zebra
3. Uninsured drivers
Along with busy roadways, Beaumont has a significant number of uninsured drivers. If you're involved in a crash caused by an uninsured motorist, your own collision or uninsured motorist coverage may help pay for damages, which can contribute to higher insurance costs over time.
Yes. Beaumont has a city ordinance that authorizes police officers, acting under a policy established by the police chief, to order the towing and impoundment of a vehicle that isn't insured or otherwise covered by an accepted form of financial responsibility.
-Erick Sosa, Licensed Agent and Manager at The Zebra
Car insurance rates after an accident in Beaumont
In Beaumont, an at-fault accident can raise your car insurance by $918 for a 6-month policy. Keeping a clean driving record is the best way to avoid increases.
Premiums can go up after multiple violations such as accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
Source: The Zebra
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Texas drivers in and near Beaumont saved money on car insurance recently using The Zebra:
Our licensed agents guided a driver in San Antonio, TX to find this smart deal on their Nissan Rogue with Aspire General Insurance.
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This quote from Clearcover helped a Toyota Highlander driver in Denison, TX cut their insurance costs.
Drivers in Lubbock, TX are getting smart deals on Ford E-150 coverage from Hallmark.
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Our licensed agents guided a driver in Irving, TX to find this smart deal on their Honda Accord with The General.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Beaumont car insurance FAQs:
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Data Methodology. The Zebra's Dynamic Insurance Rating Tool
Data Methodology. The Zebra's Dynamic Insurance Rating Tool
What Beaumont drivers want to know about car insurance
How can I get a not at fault accident charged off my driving record?
Does my son-in-law's military status (Marine) qualify me as USAA member?
Should I file a claim if I damaged my car backing out of the driveway but I only have liability?
Is it legal to change homeowners insurance policies without the approval of all parties on the deed?
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.
