Beaumont drivers pay an average of $2,567/year — $796 more than the national average. With 1,535 crashes per year and a 2.5 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $851/year.
(888) 217-6781Estimated full coverage auto insurance rates for Beaumont, TX from top carriers. Rates are adjusted for Beaumont's 1,535 annual crashes, 2.5 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $854 | $142/mo |
| GEICO | $973 | $162/mo |
| Progressive | $1,098 | $183/mo |
| State Farm | $1,200 | $200/mo |
| Allstate | $1,463 | $244/mo |
Estimates based on 2026 rate filings for ZIP 77701. USAA is cheapest at ~$142/mo. Actual rates vary by driver profile and exact Beaumont location.
These Beaumont-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Beaumont, TX. Takes under 2 minutes.
(888) 217-6781Beaumont is a mid-size city in Texas with a population of 115,282. While it avoids the extreme congestion of larger metros, Beaumont has its own risk factors — growing commuter traffic, expanding development, and hurricanes, tornadoes, hail, flooding, extreme heat — that shape local auto insurance rates. Drivers in Beaumont typically pay close to the Texas state average, with significant variation by ZIP code and neighborhood.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Beaumont can swing your premium by hundreds of dollars. Here's how rates compare across Beaumont neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 77713 | Beaumont South Side | $2,408/yr | $201/mo |
| 77702 | Beaumont North Side | $2,525/yr | $210/mo |
| 77713 | Beaumont West Side | $2,589/yr | $216/mo |
| 77711 | Beaumont East Side | $2,597/yr | $216/mo |
| 77701 | Beaumont Downtown/Central | $2,723/yr | $227/mo |
The cheapest ZIP is 77713 (Beaumont South Side) at $2,408/yr. The most expensive is 77701 (Beaumont Downtown/Central) at $2,723/yr — a $315/year difference for the same driver.
Your Beaumont ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Beaumont. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,391/yr | $449/mo | +110% vs avg |
| Young Adult (20-25) | $3,594/yr | $300/mo | +40% vs avg |
| Adult (26-35) | $2,567/yr | $214/mo | 0% vs avg |
| Mid-Career (36-50) | $2,259/yr | $188/mo | -12% vs avg |
| Senior (51-65) | $2,131/yr | $178/mo | -17% vs avg |
| 65+ | $2,285/yr | $190/mo | -11% vs avg |
Teens in Beaumont pay an average of $5,391/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,131/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Beaumont drivers can save up to $851/year. ZIP 77713 (Beaumont South Side) has the lowest rates starting at $2,408/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes