Cheapest car insurance companies in Beaumont
After an in-depth analysis, Insurance.com found that Texas Farm Bureau and Nationwide are the cheapest car insurance companies in Beaumont for 2023.
Texas Farm Bureau has the cheapest car insurance rates in Beaumont at an average cost of $1,420 per year.
Car insurance prices in Beaumont can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Beaumont drivers.
| Companies | Average annual rates |
|---|---|
| Texas Farm Bureau | $1,420 |
| Nationwide | $1,530 |
| Geico | $1,821 |
| USAA | $1,942 |
| Auto Club Enterprises (AAA) | $2,100 |
| State Farm | $2,120 |
| Redpoint County Mutual | $2,208 |
| Progressive | $3,084 |
| Allstate | $3,120 |
Cheapest car insurance cost in Beaumont by Age Group
Redpoint County Mutual offers the cheapest full coverage car insurance for teenage drivers in Beaumont, with an average annual cost of $2,208 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
Texas Farm Bureau is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Beaumont at about $1,962 per year.
An analysis of car insurance rates for Beaumont drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. Texas Farm Bureau offers the cheapest full-coverage car insurance rates at $1,405 per year.
If you are a senior driver in Beaumont and looking for a cheap car insurance company, then consider buying insurance from Texas Farm Bureau. It is the cheapest auto insurance company for senior drivers, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,195 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Redpoint County Mutual | $2,208 | $2,208 | $2,208 | $2,208 |
| Texas Farm Bureau | $2,720 | $1,962 | $1,405 | $1,195 |
| USAA | $4,205 | $2,788 | $1,961 | $2,001 |
| Geico | $4,613 | $2,516 | $1,811 | $1,773 |
| Nationwide | $5,727 | $2,753 | $1,522 | $1,519 |
| State Farm | $5,767 | $3,419 | $2,122 | $2,020 |
| Allstate | $6,358 | $4,365 | $3,152 | $3,045 |
| Auto Club Enterprises (AAA) | $6,892 | $3,835 | $2,142 | $2,160 |
| Progressive | $8,195 | $5,410 | $3,113 | $3,159 |
Cheapest car insurance companies in Beaumont by driver profile
Your driving profile plays an important role in determining your car insurance rates in Beaumont. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
Finding the cheapest car insurance in Beaumont requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
In Beaumont, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Drivers in Beaumont with poor credit can get the cheapest car insurance from Nationwide at an average cost of $2,104 a year, according to a data study by Insurance.com.
Drivers with poor or bad credit scores in Beaumont can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Nationwide | $2,104 |
| State Farm | $2,992 |
| USAA | $3,172 |
| Farmers | $3,201 |
| Progressive | $3,461 |
| Geico | $4,535 |
| Allstate | $5,399 |
Cheapest for drivers with a speeding ticket: State Farm
Based on recent data analysis, 30-year-old drivers in Beaumont with speeding tickets on their driving record can get the cheapest car insurance rates from State Farm at an annual cost of $1,438.
Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.
| Company | Average annual premium |
|---|---|
| State Farm | $1,438 |
| Nationwide | $1,828 |
| USAA | $2,017 |
| Geico | $2,670 |
| Progressive | $2,744 |
| Allstate | $3,398 |
| Farmers | $3,948 |
Cheapest auto insurance after an at-fault accident: State Farm
State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Beaumont is $1,821. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| State Farm | $1,821 |
| Nationwide | $2,389 |
| Geico | $3,012 |
| USAA | $3,253 |
| Progressive | $3,570 |
| Farmers | $5,799 |
| Allstate | $5,814 |
Cheapest auto insurance after a DUI: State Farm
Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Beaumont. On average, its annual full coverage rate is $2,675, making it a significantly cheaper option than other insurance providers.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $2,675 |
| Progressive | $2,988 |
| USAA | $3,074 |
| Nationwide | $3,313 |
| Farmers | $3,403 |
| Geico | $3,475 |
| Allstate | $6,902 |
Average car insurance cost in Beaumont
On average, Beaumont drivers pay $2,149 annually, or $179 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Beaumont is $666.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,149 | $666 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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