State Farm offers the lowest car insurance rates in College Station, with average annual premiums of $534 for minimum coverage and $1,168 for full coverage. Other affordable insurers in the city include GEICO, Mercury and AAA.
Car Insurance in College Station
Updated: August 14, 2025
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Key Takeaways
The cheapest car insurance companies in College Station are State Farm, GEICO and Mercury, with rates up to 43% lower than the city average.
In College Station, monthly car insurance costs average $160 for full coverage and $76 for minimum coverage.
To get the best cheap auto insurance in College Station, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in College Station?
| State Farm | $44 | $97 | -43% |
| GEICO | $61 | $116 | -29% |
| Mercury | $63 | $130 | -23% |
| AAA | $65 | $129 | -22% |
| Progressive | $94 | $151 | -2% |
Compare the Cheapest College Station Car Insurance for You
Your car insurance rates depend heavily on your driving history and personal details. Check the table below to find the cheapest insurance company for your specific profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $121 | $1,456 | -45% |
| GEICO | $179 | $2,153 | -18% |
| AAA | $184 | $2,206 | -16% |
| Farmers | $235 | $2,816 | 7% |
| Progressive | $251 | $3,008 | 15% |
Cheapest Car Insurance by Age Group in College Station
Car insurance prices vary significantly by age in College Station. Here's what you'll pay with the cheapest insurance provider for each age group:
- Cheapest Car Insurance for Young Drivers (16 to 25): State Farm at $102 per month
- Cheapest Car Insurance for Adults (26 to 64): State Farm at $44 per month
- Cheapest Car Insurance for Seniors (65+): State Farm at $52 per month
Cheapest Car Insurance for Young Drivers in College Station
State Farm and GEICO provide the most affordable car insurance options for young drivers in College Station, with monthly premiums starting at $102 and $109, respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $102 | $1,222 | -46% |
| Geico | $109 | $1,303 | -43% |
| AAA | $151 | $1,808 | -21% |
| Germania Insurance | $182 | $2,186 | -4% |
| Farmers | $189 | $2,267 | 0% |
Cheapest Car Insurance for Adult Drivers in College Station
State Farm provides the lowest rates for adult drivers in College Station, saving policyholders 45% compared to the city average. GEICO and AAA also offer affordable options for drivers ages 26 to 64 in the area.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $44 | $534 | -45% |
| Geico | $61 | $726 | -25% |
| Mercury Insurance | $63 | $756 | -22% |
| AAA | $65 | $785 | -19% |
| Farmers | $80 | $956 | -1% |
Cheapest Car Insurance for Senior Drivers in College Station
For seniors in College Station, State Farm offers the most affordable car insurance options. Their minimum coverage costs $52 per month or $622 annually. For full coverage, State Farm's rates are $110 monthly or $1,321 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $52 | $622 | -50% |
| Geico | $81 | $969 | -22% |
| AAA | $90 | $1,075 | -13% |
| Germania Insurance | $94 | $1,126 | -9% |
| Progressive | $119 | $1,431 | 16% |
Cheapest Car Insurance for High-Risk Drivers in College Station
If you're a high-risk driver in College Station, these insurance companies offer the lowest rates based on your situation:
- Cheapest for Bad Credit: GEICO (from $88 per month)
- Cheapest With a DUI: State Farm (from $73 per month)
- Cheapest With an Accident: State Farm (from $53 per month)
- Cheapest With a Speeding Ticket: State Farm (from $44 per month)
Cheapest Car Insurance for Bad Credit in College Station
GEICO offers the cheapest car insurance for bad credit in College Station, with monthly rates starting at $88 for minimum coverage and $193 for full coverage. These affordable rates include state minimum liability coverage or full coverage with $100,000/$300,000/$100,000 liability limits and a $1,000 deductible.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Geico | $88 | $1,050 | -51% |
| Allstate | $126 | $1,507 | -30% |
| Dairyland | $143 | $1,715 | -21% |
| Chubb | $146 | $1,751 | -19% |
| Germania Insurance | $147 | $1,761 | -19% |
Cheapest Car Insurance With a DUI in College Station
State Farm offers the most affordable car insurance for College Station drivers with a DUI. Their rates are 42% below average for minimum coverage and 40% cheaper for full coverage policies.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $73 | $874 | -42% |
| Mercury Insurance | $86 | $1,028 | -32% |
| Farmers | $90 | $1,085 | -28% |
| AAA | $102 | $1,225 | -19% |
| Geico | $107 | $1,287 | -15% |
Cheapest Car Insurance With an Accident in College Station
State Farm offers the lowest car insurance rates in College Station for drivers with accident records, starting at $53 monthly. This rate is 54% less than the city average, making it a notably affordable option for those with accident history.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $53 | $632 | -54% |
| Farmers | $84 | $1,006 | -26% |
| Geico | $84 | $1,010 | -26% |
| Germania Insurance | $89 | $1,070 | -22% |
| AAA | $96 | $1,154 | -15% |
Cheapest Car Insurance With a Speeding Ticket in College Station
For those with speeding tickets in College Station, State Farm offers the cheapest minimum liability and full coverage policies in the city. Their average rates sit at about $44 per month and $97 monthly respectively.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $44 | $534 | -53% |
| Geico | $70 | $839 | -27% |
| AAA | $86 | $1,038 | -9% |
| Mercury Insurance | $88 | $1,051 | -8% |
| Germania Insurance | $88 | $1,055 | -8% |
Best Car Insurance Companies in College Station
In College Station, the top car insurance companies are State Farm, Mercury, GEICO and AAA. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| Mercury | 91 | 3 | 5 | 4 |
| GEICO | 91 | 2 | 6 | 6 |
| AAA | 90 | 4 | 4 | 6 |
| Progressive | 89 | 5 | 2 | 2 |
State Farm: Best Cheap Overall
pros
Lowest rates in College Station
Strong customer service ratings
Multiple driver category wins
cons
Limited coverage options
Higher rates for high-risk drivers
COMPANY HIGHLIGHTS
State Farm ranks first in College Station for its exceptional combination of low rates and quality service. The company offers the city's cheapest minimum coverage at $44 monthly and full coverage at $97 monthly. State Farm excels with adult drivers, seniors, and those with accident history, offering rates well below the city average. Their high customer satisfaction ratings mean faster claims processing and better support when you need it.
Mercury: Best Runner-Up
pros
Competitive rates across categories
Good coverage options
Reliable claims service
cons
Higher minimum coverage rates
Limited digital tools
COMPANY HIGHLIGHTS
Mercury earns second place in College Station with well-rounded service and coverage options. While not the cheapest option, Mercury maintains competitive rates with minimum coverage at $63 monthly and full coverage at $130 monthly. The company stands out for its solid coverage options and reliable customer service. Their balanced approach makes them a strong alternative for drivers who want dependable coverage with good value.
How Much Is Car Insurance in College Station?
In College Station, minimum coverage costs about $76 per month or $908 per year, ranking 1,389th out of all Texas cities for affordability. Full coverage averages $160 monthly or $1,919 annually, ranking 1,306th among Texas cities.
| Full Coverage | $160 | $1,919 |
| Minimum Coverage | $76 | $908 |
Compare Personalized College Station Car Insurance Costs
While average rates give you a starting point, this table lets you filter College Station car insurance costs by your exact age, driving record and other key factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $235 | $2,815 | 8% |
College Station Car Insurance Costs by ZIP Code
In College Station, car insurance rates by ZIP code range from $60 to $175 per month. ZIP code 77840 is the most expensive, while 77843 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:77843
| 77843 | $60 | $140 |
How to Get The Best Cheap College Station Car Insurance
Finding affordable car insurance in College Station can be challenging with Texas's high average rates and complex coverage options. This step-by-step guide will show you how to secure quality coverage while keeping your premiums low.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your situation. Consider your car's value, your assets and Texas state requirements. Use our car insurance coverage needs calculator to get a personalized recommendation based on your specific circumstances in College Station.
- 2
Explore different insurance types
Understanding different types of car insurance can help you find better rates. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving needs.
- 3
Know the local market rates
Research average vehicle insurance costs in College Station to set realistic expectations. Understanding typical rates helps you recognize good deals and avoid overpaying. Local factors like traffic patterns and crime rates can significantly impact your premiums.
- 4
Check available insurance discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer additional savings for good driving records, safety features, and completing defensive driving courses.
- 5
Research insurance company ratings
Before choosing an insurer, check their financial strength ratings and customer service reviews. Focus on companies with strong records in Texas, particularly their claims handling process. Look for insurers with local agents in College Station who can provide personalized service.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to get the best rates. Keep your coverage selections consistent across quotes for accurate comparison.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance policy. Life changes like moving within College Station, buying a new car or improving your credit score can affect your rates.
Cheapest Car Insurance in College Station: Bottom Line
Car insurance rates in College Station depend on your driving record, credit score and coverage needs. State Farm and GEICO consistently offer the lowest average premiums, but compare quotes from multiple providers to find your best rate.
Cheap College Station Car Insurance: FAQ
Find straightforward answers about affordable car insurance in College Station. We'll help you get the coverage you need at the lowest rates while meeting Texas requirements.
What is the cheapest car insurance company in College Station, Texas?
State Farm offers the lowest rates in College Station, with average annual premiums of $534 for minimum coverage and $1,168 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in College Station?
State Farm leads College Station's car insurance providers with a MoneyGeek score of 95 out of 100, scoring four points higher than Mercury. They excel in both affordability and service quality.
What is the average cost of car insurance in College Station?
In College Station, drivers pay $1,919 for full coverage and $908 for minimum coverage car insurance annually. Actual rates vary based on individual factors.
Is car insurance in College Station expensive?
Car insurance in College Station costs more than average, ranking 1,389th for minimum coverage affordability and 1,306th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in College Station, TX
To help College Station drivers find the most affordable auto insurance companies, MoneyGeek analyzed College Station auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in College Station and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
College Station Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in College Station with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in College Station
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in College Station based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.