Beaumont–Port Arthur, TX Car Insurance Rates (2026): $217/mo Avg

For a 40-year-old driver with a clean record, Beaumont–Port Arthur car insurance averages about $217 a month ($2,599 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 4% above the Texas average of $209 a month. Auto Club (AAA) has the lowest full-coverage average of the insurers we price that are open to all drivers, at about $184 a month.

$217Average full coverage$2,599 a year for our benchmark driver

+4%vs. Texas averageTX average: $209 a month

$184Auto Club (AAA), lowest open to all$9 a month below State Farm

−0.7%Change since Nov. 2025Same driver, same insurers and ZIP codes

Across Hardin, Jefferson and Orange counties, full coverage for our benchmark driver averages about $217 a month, a little above the Texas average. Auto Club (AAA) has the lowest average among insurers open to all drivers, with State Farm close behind.

Beaumont averages $215 a month and Port Arthur $223. Across the 20 ZIP codes we price, averages run from about $210 a month in 77706 to $225 in 77632 and 77642.

_{Cost data comes from the auto rates insurers file with state regulators, priced across the 20 ZIP codes in Hardin, Jefferson and Orange counties, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Sept. 30, 2026.

How Much Is Car Insurance in Beaumont–Port Arthur, TX?

Full coverage in Beaumont–Port Arthur averages $2,599 a year, or about $217 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $902 a year ($75 a month), and 50/100/50 liability with comprehensive and collision averages $2,369 ($197 a month).

Full coverage (100/300/100, $500 deductibles): $2,599 a year ($217 a month)
50/100/50 with $500 deductibles: $2,369 a year ($197 a month)
Liability only (30/60/25): $902 a year ($75 a month)
Jefferson County: $2,598 a year ($217 a month) for full coverage
Texas average: $2,513 a year ($209 a month) for full coverage
ZIP code range: $210 (77706) to $225 (77632 and 77642) a month for full coverage

Cheap Car Insurance in Beaumont–Port Arthur: Companies Compared

Lowest average open to all drivers, full coverage: Auto Club (AAA), at about $184 a month ($2,211 a year).
Next lowest open to all drivers: State Farm, at about $193 a month, then GEICO at $234.
Military families: USAA averages about $180 a month, but only for eligible members.
Lowest liability-only average open to all drivers (30/60/25): State Farm, at about $67 a month, then GEICO and Auto Club (AAA), effectively tied at $80 and $81. USAA, which sells only to military families, is lower still, at about $48 a month.
Also on our list: Texas Farm Bureau at about $122 a month, Allstate at $386 and Farmers at $401.
Most expensive in our data: Progressive, at about $292 a month, $1,289 a year more than Auto Club (AAA) for the same driver and car.

Auto Club (AAA) has the lowest full-coverage average among the insurers in our Beaumont–Port Arthur rate data that are open to all drivers. USAA, which sells only to military members, veterans and their families, has a lower average still ($180 a month), but we don’t rank it. Texas Farm Bureau, Allstate and Farmers are priced from published rate studies, scaled to our benchmark driver, so they’re marked with an asterisk in the table. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among the insurers we price that are open to all drivers, at about $67 a month, followed by GEICO and Auto Club (AAA), effectively tied at $80 and $81. USAA, which sells only to military families, is lower still, at about $48 a month.

Full-coverage averages by insurer in Beaumont–Port Arthur

Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.

USAA (military families)

$180/mo

Auto Club (AAA)

$184/mo

State Farm

$193/mo

GEICO

$234/mo

Progressive

$292/mo

Lowest average open to all driversOther insurers in our dataBeaumont–Port Arthur average: $217/mo

Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.

Insurance Company:	Minimum Liability 30/60/25 (Yearly):	Minimum Liability 30/60/25 (Monthly):	Full Coverage (Yearly):	Full Coverage (Monthly):
USAA (military families)	$580	$48	$2,160	$180
Auto Club (AAA)	$966	$81	$2,211	$184
State Farm	$809	$67	$2,316	$193
GEICO	$963	$80	$2,808	$234
Progressive	$1,195	$100	$3,500	$292
Texas Farm Bureau*	$572	$48	$1,458	$122
Allstate*	$1,585	$132	$4,636	$386
Farmers*	$1,451	$121	$4,816	$401
Beaumont–Port Arthur average	$902	$75	$2,599	$217

This table uses ZIP codes in Hardin, Jefferson and Orange counties only. See how we calculated these rates.

Beaumont–Port Arthur Car Insurance Rates by ZIP Code

Across the 20 Beaumont–Port Arthur ZIP codes we price, full coverage for our driver ranges from about $210 a month in 77706 to $225 in 77632 and 77642, a gap of $184 a year.

Lowest-priced Beaumont–Port Arthur ZIP codes

77706$210/mo · −3% vs. area avg.

77625$211/mo · −3% vs. area avg.

77657$212/mo · −2% vs. area avg.

Highest-priced Beaumont–Port Arthur ZIP codes

77632$225/mo · +4% vs. area avg.

77642$225/mo · +4% vs. area avg.

77640$222/mo · +2% vs. area avg.

Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Beaumont–Port Arthur’s average.

ZIP Code:	Minimum Liability 30/60/25 (Yearly):	Minimum Liability 30/60/25 (Monthly):	Full Coverage (Yearly):	Full Coverage (Monthly):	Full Coverage vs. Area Average:
77611	$904	$75	$2,622	$219	+1%
77619	$915	$76	$2,584	$215	-1%
77625	$838	$70	$2,532	$211	-3%
77627	$915	$76	$2,598	$217	About average
77630	$899	$75	$2,644	$220	+1%
77632	$870	$73	$2,704	$225	+4%
77640	$930	$78	$2,659	$222	+2%
77642	$931	$78	$2,697	$225	+4%
77651	$916	$76	$2,560	$213	-2%
77656	$848	$71	$2,587	$216	About average
77657	$848	$71	$2,540	$212	-2%
77659	$865	$72	$2,582	$215	-1%
77662	$853	$71	$2,593	$216	About average
77701	$948	$79	$2,605	$217	About average
77703	$948	$79	$2,613	$218	About average
77705	$931	$78	$2,629	$219	+1%
77706	$908	$76	$2,520	$210	-3%
77707	$933	$78	$2,580	$215	-1%
77708	$934	$78	$2,570	$214	-1%
77713	$913	$76	$2,557	$213	-2%

Your ZIP code matters

How Much More Does Better Coverage Cost in Beaumont–Port Arthur?

Raising liability limits from 50/100/50 to 100/300/100 adds about $230 a year on average in our Beaumont–Port Arthur data, with the same $500 deductibles. That’s about $20 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.

Is Car Insurance Going Up in Beaumont–Port Arthur?

Not for our benchmark driver. Comparing the same insurers in the same Beaumont–Port Arthur ZIP codes, full coverage averaged $2,618 a year in rates as of Nov. 30, 2025, and $2,599 as of Aug. 31, 2026, a 0.7% drop. Auto Club (AAA) cut its Beaumont–Port Arthur average 9.0% and Progressive 1.7%, while USAA raised its average 4.3% and GEICO 3.8%; State Farm’s average was about unchanged. Liability-only coverage at 30/60/25 limits fell 3.1%, led by USAA, which cut its liability-only average 15.1%.

Storms, Flooding and Coverage in Southeast Texas

The Golden Triangle sits on the Gulf Coast, where hurricanes and heavy rain can flood roads and cars. Only comprehensive coverage pays for flood damage to your car, so think twice before dropping it to save money. Prices depend on where in Texas you live, not just on your car and driving record.

Golden Triangle Car Insurance Rates by City

Across the 12 cities and towns we price in the three counties, full coverage runs from about $211 a month in Kountze to $223 in Orange and Port Arthur. Orange County averages $220, the sixth-most expensive of the 179 Texas counties we price.

City or Town:	ZIP Codes in Our Data:	Minimum Liability 30/60/25 (Yearly):	Minimum Liability 30/60/25 (Monthly):	Full Coverage (Yearly):	Full Coverage (Monthly):
Port Arthur	2	$930	$78	$2,678	$223
Orange	2	$884	$74	$2,674	$223
Bridge City	1	$904	$75	$2,622	$219
Nederland	1	$915	$76	$2,598	$217
Vidor	1	$853	$71	$2,593	$216
Silsbee	1	$848	$71	$2,587	$216
Groves	1	$915	$76	$2,584	$215
Beaumont	7	$931	$78	$2,582	$215
Sour Lake	1	$865	$72	$2,582	$215
Port Neches	1	$916	$76	$2,560	$213
Lumberton	1	$848	$71	$2,540	$212
Kountze	1	$838	$70	$2,532	$211
Texas average	1019	$848	$71	$2,513	$209

How Beaumont–Port Arthur Car Insurance Compares With Other Texas Cities

Galveston$204/mo full coverage$13/mo less than Beaumont–Port ArthurLowest average open to all: State Farm Houston$246/mo full coverage$29/mo more than Beaumont–Port ArthurLowest average open to all: State Farm Waco$182/mo full coverage$35/mo less than Beaumont–Port ArthurLowest average in our data: Auto Club (AAA) Austin$202/mo full coverage$15/mo less than Beaumont–Port ArthurLowest average open to all: State Farm Dallas$238/mo full coverage$21/mo more than Beaumont–Port ArthurLowest averages: State Farm and Auto Club (AAA) (tied) Corpus Christi$197/mo full coverage$20/mo less than Beaumont–Port ArthurLowest average in our data: State Farm

More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.

Houston, about 80 miles west, averages $246 a month, and Galveston averages $204.

What Car Insurance Is Required in Beaumont–Port Arthur?

Drivers in Beaumont–Port Arthur follow Texas’ rules. Every policy must include at least:

Bodily injury liability of $30,000 per person and $60,000 per crash
Property damage liability of $25,000 per crash

Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.

How to Lower Your Car Insurance Rate in Beaumont–Port Arthur

Compare Auto Club (AAA) and State Farm first. They have the two lowest full-coverage averages open to all drivers in our Beaumont–Port Arthur data, about $184 and $193 a month.
Quote several insurers. In our Beaumont–Port Arthur data, the lowest and highest averages among insurers open to all drivers are about $108 a month apart for the same driver and car.
Keep comprehensive if you park outside. Comprehensive is the coverage that pays for hail damage and flood damage to your car, so raising your deductible is a safer way to save than dropping it.
Compare at every renewal. Since November 2025, Auto Club (AAA) has cut its Beaumont–Port Arthur average 9.0% and Progressive 1.7%, while USAA has raised its average 4.3% and GEICO 3.8%, so the order in our table can shift.
Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Texas home insurance rates.

Ready to compare

How We Calculated Beaumont–Port Arthur Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

Sample: 100 full-coverage premiums from five insurers across 20 ZIP codes in Hardin, Jefferson and Orange counties, plus the same number of liability-only and 50/100/50 premiums.
Area: this page covers the Beaumont–Port Arthur metro area: Hardin, Jefferson and Orange counties.
Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Texas’ 30/60/25 minimum, with 30/60 uninsured and underinsured motorist coverage and no comprehensive or collision. The rate data doesn’t list a personal injury protection amount, so we don’t state one for these prices.
Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
Insurers marked *: Texas Farm Bureau, Allstate and Farmers, priced from published 2026 Texas rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.

Beaumont–Port Arthur Car Insurance Rates by County

Across the three counties in the Beaumont–Port Arthur area and 20 ZIP codes we price there, full coverage runs from about $213 a month in Hardin County to $220 in Orange County. The Texas average is $209. These figures use the same rate data and benchmark driver as the rest of this page.

County:	ZIP Codes in Our Data:	Minimum Liability 30/60/25 (Yearly):	Minimum Liability 30/60/25 (Monthly):	Full Coverage (Yearly):	Full Coverage (Monthly):
Orange County	4	$882	$74	$2,641	$220
Jefferson County	12	$927	$77	$2,598	$217
Hardin County	4	$850	$71	$2,560	$213
Texas average	1019	$848	$71	$2,513	$209

More Beaumont–Port Arthur Car Insurance Breakdowns

The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Beaumont–Port Arthur averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.

Beaumont–Port Arthur Car Insurance Costs by County and Vehicle Type

This breakdown shows how the type of car changes the price in each county in the table. Across the four counties in this table, SUV policies cost the least on average and hybrid policies the most, about 22% more. Search the table for your county.

County:	Car	SUV:	Sports:	Truck:	Hybrid:
Hardin	$1,349	$1,156	$1,288	$1,347	$1,418
Jasper	$1,252	$1,065	$1,184	$1,255	$1,325
Jefferson	$1,426	$1,231	$1,369	$1,418	$1,488
Orange	$1,404	$1,209	$1,343	$1,401	$1,472

New Car Insurance Rates in Texas

Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.

Insurance Provider:	State Minimum:	Full Coverage:
USAA:	$530	$2,280
GEICO:	$838	$2,588
AAA:	$763	$2,672
Progressive:	$720	$2,766
State Farm:	$838	$2,974

Car Insurance Costs by Age in Texas

Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.

Driver’s Age:	State Minimum Coverage	Full Coverage
17	$2,686	$7,193
18	$2,346	$6,376
20	$1,664	$4,752
22	$1,248	$3,659
24	$1,068	$3,172
29	$865	$2,654
34	$833	$2,530
39	$829	$2,496
44	$825	$2,460
49	$813	$2,425
54	$791	$2,329
64	$807	$2,270
74	$982	$2,622
76	$1,049	$2,761

Beaumont–Port Arthur Car Insurance FAQ

How much is car insurance in Beaumont–Port Arthur, TX, per month?

For our benchmark driver, full coverage in Beaumont–Port Arthur averages about $217 a month ($2,599 a year) and liability-only coverage about $75 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 4% above the Texas average of $209 a month.

Who has the cheapest car insurance in Beaumont–Port Arthur?

Auto Club (AAA) has the lowest full-coverage average open to all drivers in our Beaumont–Port Arthur rate data, at about $184 a month, with State Farm close behind at $193. USAA, which sells only to military members, veterans and their families, has a lower average still ($180 a month), but we don’t rank it. For liability-only coverage, State Farm has the lowest average open to all drivers, at about $67 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.

Is car insurance cheaper in Beaumont or Port Arthur?

Beaumont, by a little, for our benchmark driver. Beaumont full coverage averages about $215 a month and Port Arthur about $223, a difference of about $8 a month.

Which Beaumont–Port Arthur ZIP codes have the cheapest car insurance?

In our data, 77706 has the lowest full-coverage average in Beaumont–Port Arthur, at about $210 a month, and 77632 and 77642 the highest, at about $225. The ZIP code table on this page lists all 20.

How much more is full coverage than liability-only coverage in Beaumont–Port Arthur?

In our Beaumont–Port Arthur data, full coverage (100/300/100 with $500 deductibles) averages about $217 a month and liability-only coverage at 30/60/25 limits about $75, a difference of about $142 a month ($1,697 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.

Is car insurance going up in Beaumont–Port Arthur?

Not for our benchmark driver. Comparing the same insurers and ZIP codes, Beaumont–Port Arthur full coverage fell 0.7% between November 2025 and August 2026, from about $2,618 to $2,599 a year. Auto Club (AAA) cut its Beaumont–Port Arthur average 9.0% and Progressive 1.7%, while USAA raised its average 4.3% and GEICO 3.8%. Liability-only coverage at 30/60/25 limits fell 3.1%.

Beaumont–Port Arthur, TX Car Insurance Quotes & Rates (2026)