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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 Average||U.S. Average|
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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 Company||Average Yearly Rate|
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 tier||Average Annual Rate|
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 Status||Average Annual Rate|
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
|Violation||Average Annual Rate|
|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 Level||Average Yearly Rate|
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.
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 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.