State Farm delivers the cheapest minimum coverage in College Station at $534 per year, which is 43% below the city average of $1,414. The insurer also offers competitive full coverage at $1,168 annually.

GEICO ranks second at $726 per year for minimum coverage, still providing meaningful savings compared to the market average. State Farm's strong position in the College Station market stems from its competitive pricing across all age groups and driving records.

Local drivers can save hundreds annually by choosing State Farm over higher-priced alternatives, making it the clear value leader.

Adult drivers in College Station secure the lowest premiums at $534 annually through State Farm. Young drivers pay $1,222 per year with State Farm, representing a 129% increase over adult rates.

Seniors fall between these extremes at $622 annually through State Farm, paying 16% more than adults. The age-based pricing differences reflect typical risk patterns, with less-experienced young drivers carrying higher premiums.

College Station's relatively affordable base rates mean even young drivers pay less here than in many Texas cities, though age remains a significant factor in overall costs.

Young drivers in College Station can find the lowest rates with State Farm and GEICO, starting around $102 per month for minimum coverage. Both companies offer strong digital tools and reliable financial protection for drivers still building their records. 

Because insurers see less experience as higher risk, young drivers usually pay more than adults, so comparing multiple quotes can help them find affordable coverage and student discounts.

Adult drivers save the most with State Farm, which charges about 45% less than the city average. A clean driving record and strong credit history often qualify adults for additional discounts, bringing their monthly premiums well below competitors. Drivers can also explore bundling home or renters insurance policies with State Farm to reduce costs even further.

For seniors, State Farm remains the most affordable option in College Station. Its minimum coverage averages $52 per month ($622 annually), while full coverage costs $110 per month ($1,321 annually). These rates help older drivers maintain reliable financial protection without overspending. Seniors who drive fewer miles each year can save even more by asking about low-mileage or defensive driver discounts.

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)

Bad credit drivers can save with GEICO, starting at $88 per month 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.

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.

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 itan affordable option for those with accident history.

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.

State Farm stands out as the best car insurance company in College Station, earning a MoneyGeek score of 94.88 for its combination of low rates and strong service. Mercury Insurance ranks second with a score of 90.95, offering competitive pricing with reliable claims handling.

State Farm's dominance in College Station stems from consistently affordable rates across all driver categories coupled with accessible local agent support. Both insurers maintain strong financial ratings and customer satisfaction scores, providing College Station residents with dependable coverage options backed by solid reputations.

Car insurance in College Station averages $1,414 per year. Minimum coverage costs about $118 monthly while full coverage runs $1,414 annually.
These rates align closely with Texas averages but remain higher than the state's most affordable cities. State Farm provides coverage well below the city average at $534 annually for minimum coverage, demonstrating how insurer choice dramatically impacts costs.

College Station's college-town demographics influence local rates, but competitive options from State Farm and GEICO help residents find affordable protection despite the market conditions.

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.

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.

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.

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.

Our Research Approach

We pulled rate data from the Texas Department of Insurance and Quadrant Information Services, then analyzed hundreds of thousands of quotes across all College Station ZIP codes from 12 insurance companies operating in Texas. Rather than giving you generic statewide averages, we calculated what drivers actually pay in your specific neighborhoods.

Our baseline driver profile included:

• 40-year-old male driving a 2012 Toyota Camry LE
• Clean driving record with 12,000 miles driven annually
• Good credit, valid license, currently insured with no claims history

From there, we adjusted age groups (16-25, 26-64, 65+), credit scores, accident history, DUIs and speeding tickets to show you what companies actually charge for your situation.

For coverage comparisons, we tested two levels:

Texas minimum requirements (30/60/25 liability) and robust full coverage (100/300/100 liability with comprehensive and collision at $1,000 deductibles). This reveals which companies stay affordable when you need basic legal compliance versus comprehensive financial protection that covers your own vehicle damage.

To rank the best companies overall, we weighted three factors: affordability accounts for 60% of the score (because finding rates you can actually afford matters most in a college town where many drivers are cost-conscious), customer experience makes up 30% (claims handling quality from J.D. Power, AM Best, Google reviews, and Reddit discussions), and coverage options contribute 10% (the variety and quality of available protections).

Every rate reflects what College Station drivers actually pay, filtered by your ZIP code, adjusted for your age bracket and calculated for the coverage level you're considering.