Car insurance in Beaumont, Texas, costs an average of $764 for a six-month policy, which translates to about $127 per month.
This is higher than the state average for Texas, which is $707, but less expensive than the national average of $880.
Keep reading for insights and tips.
Comparison of Car Insurance Costs in Beaumont and Texas
- Beaumont average: $764
- Texas average: $707
Key Takeaways on Car Insurance in Beaumont
- The average car insurance cost in Beaumont for a six-month policy is $764, which equates to $127 per month.
- USAA is the cheapest car insurance provider in Beaumont, with an average premium of $659 for six months.
- Approximately 38% of Zebra’s customers in Beaumont reported that they used the service because they were paying too much for car insurance with their previous provider.
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Beaumont Car Insurance Rates by Company
Different insurance companies offer varied rates, so it’s important to compare options. Here are some of the most affordable car insurance companies in Beaumont:
- USAA: $659 for a six-month policy
- GEICO: $664
- State Farm: $720
- Allstate: $1,220
These rates serve as a guide, but you should compare quotes based on your specific driving profile to find the best deal.
Our Data Sources and Methodology for Insurance Information
To ensure our information is reliable and based on real-world experience in the insurance industry, we use a mix of internal and external sources.
Here’s an overview of how we collect and manage the data that informs our content.
If you have further questions or concerns, you can reach out to us at press@thezebra.com.
Dynamic Insurance Rating Tool for Auto Insurance
All insurance companies must submit their rate filings to regulatory agencies for approval.
We partner with Quadrant Information Services to access these filings, allowing us to provide our readers with accurate and up-to-date information.
Our proprietary tool, which estimates insurance premiums, queries and stores these rate filings.
It enables us to generate pricing scenarios for various driving profiles, factoring in elements such as credit score, coverage level, driving history, and more.
Typically, we use the following profile to represent the average auto insurance customer:
- A 30-year-old single man with a good credit score and a clean driving record.
- Drives a 2015 Honda Accord with liability limits of 50/100/50 and deductibles of $500 for comprehensive and collision coverage.
- The average rates are calculated from a sample of over 34,000 ZIP codes across the US.
Here’s an example of how this data is displayed on our auto insurance pages:
| Company | Avg. 6 Mo. Premium |
|---|---|
| Allstate | $1,206 |
| Farmers | $893 |
| GEICO | $771 |
| Nationwide | $738 |
| Progressive | $941 |
| State Farm | $785 |
| USAA | $683 |
| Average Premium for a 30-year-old with Full Coverage |
Dynamic Insurance Rating Tool for Home Insurance
Our home insurance rates are also sourced from Quadrant Information Services and updated annually.
The typical profile we use for homeowners insurance represents a 45-year-old married individual living in a 2,500-square-foot single-story home built in 2011, with a standard HO-3 policy.
The policy includes:
- $200,000 for dwelling coverage
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
We adjust this profile when needed to offer more specific home insurance rates to our readers.
Here’s an example of how this data is presented in our homeowner’s insurance content:
| Company | Avg. Annual Premium | Avg. Monthly Premium |
|---|---|---|
| Allstate | $1,561 | $130 |
| American Family | $1,764 | $147 |
| Amica Mutual | $2,843 | $237 |
| Farmers | $1,871 | $156 |
| Nationwide | $1,231 | $103 |
| State Farm | $1,484 | $124 |
| Travelers | $2,674 | $223 |
| USAA | $1,385 | $115 |
Anonymized User Surveys
Since 2012, we have assisted over 18 million people in comparing and shopping for insurance quotes.
We use anonymized data collected during the quoting process to provide tailored advice based on actual user experiences.
Anonymized data does not include any personally identifiable information like names, specific addresses, or email addresses.
The data is further aggregated to ensure that it cannot be traced back to individual users.
Our insurance analysts use this anonymized information to identify trends and insights, providing more accurate recommendations to our readers.
These recommendations are then cross-checked by our team of licensed insurance writers.
This is how we use this data on our car insurance quotes page:
- PII is excluded to ensure privacy and compliance.
- Data is aggregated to avoid identifying individual users.
- Insights are derived from the largest user groups and reviewed for accuracy.
These methods and tools ensure that our content is both accurate and trustworthy, providing our readers with relevant insurance insights.
Beaumont Auto Insurance Rates by Age
According to our data, 25% of drivers in Beaumont are aged between 20 and 29.
Drivers in their 50s enjoy relatively low auto insurance premiums, averaging $665 for a six-month policy.
Meanwhile, drivers in their 60s pay slightly more, with an average premium of $689.
Teenage drivers in Beaumont pay the highest auto insurance rates.
One of the most effective ways to reduce insurance costs for young drivers is to simply age out of their teenage years.
Teenagers in Beaumont pay $3,924 for a six-month policy, which is $2,546 more than the second-highest rate among all age groups.
Beaumont Auto Insurance Costs by Age Group
| Age Group | Average 6-Month Premium |
|---|---|
| Teenagers | $1,962 |
| 20s | $994 |
| 30s | $752 |
| 40s | $732 |
| 50s | $665 |
| 60s | $689 |
| 70s | $850 |
Beaumont Auto Insurance Rates by Credit Score
Credit score is another key factor in determining auto insurance rates. Drivers with lower credit scores generally face higher premiums.
Drivers in Beaumont who improve their credit from “Very Poor” (300-579) to “Exceptional” (800-850) can save up to 62% on their car insurance premiums.
Upgrading from “Very Poor” to “Fair” can result in a $673 decrease in the average six-month insurance cost.
Our research shows that 42% of drivers in Beaumont have a credit score in the “Fair” range (580-679).
Beaumont Auto Insurance Costs by Credit Tier
| Credit Tier | Average 6-Month Premium |
|---|---|
| Very Poor | $1,629 |
| Fair | $956 |
| Good | $764 |
| Very Good | $708 |
| Exceptional | $627 |
Beaumont Auto Insurance Rates by Violation
Keeping a clean driving record is a reliable way to lower your auto insurance premiums. Violations such as at-fault accidents,
DUIs, reckless driving, and speeding tickets tend to raise insurance costs. Drivers with no violations typically benefit from lower premiums.
Reckless driving and DUI are among the most expensive violations in Beaumont.
Reckless driving can increase premiums by $854 annually, compared to the average rate in the city.
DUI can result in an $872 increase, while speeding (16-20 mph over the speed limit) adds an average of $133 to your premium.
Also read: Cheap Car Insurance Dayton
Beaumont Auto Insurance Costs After a Violation
| Violation | Average 6-Month Premium |
|---|---|
| DWI/DUI | $1,200 |
| Reckless Driving | $1,191 |
| At-fault Accident (damage < $1,000) | $973 |
| At-fault Accident (damage > $2,000) | $1,162 |
| Speeding Ticket (16-20 mph over the speed limit) | $830 |
These insights into auto insurance rates in Beaumont should help you understand the impact of age, credit score, and driving record on premiums.
By improving your credit score, avoiding traffic violations, and gaining more driving experience, you can reduce your auto insurance costs over time.