Cheapest Car Insurance in College Station, TX (2026)

College Station drivers pay an average of $912 per year for minimum coverage and $1,920 per year for full coverage. College Station has some of Texas's highest rates, driven by dense population from Texas A&M University, increased traffic congestion and higher accident rates from young, inexperienced drivers. 

• Cheapest minimum liability coverage: State Farm has College Station's cheapest minimum coverage at $534 per year ($45 monthly). That's 41% lower than the city average of $912, saving you $378 annually. GEICO ranks second for minimum coverage at $726 per year ($61 monthly), a 20% savings compared to the city average.
• Cheapest full coverage: State Farm offers the lowest full coverage at $1,168 per year ($97 monthly), 39% below the city average of $1,920. That's $752 in annual savings. GEICO's full coverage costs $1,392 per year ($116 monthly), still 27% below the city average but $224 more than State Farm annually.

Car insurance costs vary dramatically by age group in College Station, with young drivers facing the steepest rates. Here are the most affordable options by age:

• Adults: State Farm at $44 and GEICO at $61 monthly
• Seniors: State Farm at $52 and GEICO at $81 monthly
• Young drivers: State Farm at $102 and GEICO at $109 monthly

State Farm helps young drivers cut costs through their Good Student Discount, offering up to 25% savings for full-time students under 25 with strong grades. Its Steer Clear program also reduces rates for drivers under 25 who complete safety courses and maintain clean records.

GEICO focuses on senior savings with its Prime Time Contract for drivers 50 and older, providing guaranteed policy renewal and premium discounts in select states.

Car insurance is more expensive if you have driving violations. If you recently had a violation, now is the best time to shop for lower rates.  Here are affordable options:

• Accident: State Farm at $52 and Farmers at $83 monthly
• Ticket: State Farm at $44 and GEICO at $69 monthly
• DUI: State Farm at $72 and Mercury at $85 monthly

In Texas, minor violations stay on your record for three years before rates drop.

College Station residents see different car insurance costs depending on their ZIP code. Full coverage insurance costs $175 monthly in ZIP code 77840, making it the most expensive area, while drivers in ZIP code 77843 pay just $140 monthly for the same coverage. Check the table below for specific rates in your College Station ZIP code.

State Farm earned 94 out of 100 on MoneyGeek's rating scale, establishing it as the top car insurance company in College Station. Mercury follows closely with 90 out of 100, making both excellent choices for local drivers.

State Farm has good affordability and offers a decent customer experience. Our evaluation considered agent network quality, National Association of Insurance Commissioners complaint data, J.D. Power research and customer reviews across multiple platforms to measure claims handling and policyholder support.

Mercury has a good coverage variety, earning high marks for standard and specialty policies plus unique add-ons.

See below for why each insurer is best and which fits your needs.

College Station drivers have high car insurance costs. Shop around, secure better rates and select the right coverage for your needs:

Our insurance experts address common questions about finding budget-friendly car coverage in College Station:

College Station drivers pay some of Texas's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Texas Department of Insurance and Quadrant Information Services. Our research covered all College Station ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. The analysis was complicated by College Station's specific risks including severe weather events like hurricanes, flooding and hail storms, plus higher traffic accident rates due to the large Texas A&M University student population.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Texas's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hail damage claims or handling accidents involving student drivers.

Coverage options (10%): More choices mean better odds of matching coverage to College Station risks like flood damage, uninsured motorists and weather-related vehicle damage.