Your needs and driving history determine which auto insurance policy is ideal for you. State Farm, for example, offers the cheapest full coverage and minimum coverage car insurance in College Station.
It's also the least expensive option for military-affiliated drivers, those with speeding tickets and those involved in at-fault accidents. We determined Mercury is the most affordable option for those with DUIs, while Nationwide is the cheapest for teen drivers.
If customer service and other factors besides affordability are essential for you, MoneyGeek ranked Texas Farm Bureau Group as the best overall and best cheap auto insurance company in College Station, while Chubb excelled in customer service.
Cheapest and Best Car Insurance in College Station
Cheapest Minimum Liability Car Insurance in College Station
In College Station, the following companies offer the cheapest minimum coverage auto insurance:
- State Farm: $292 per year
- Texas Farm Bureau Group: $316 per year
Dairyland offers the most expensive annual premiums, averaging $951. State Farm also offers the cheapest auto insurance in the state of Texas as of October 2022, with policies costing approximately $300 per year.
Minimum liability coverage limits in Texas include the following amounts for bodily injury and property damage:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
In the event of an accident, liability-only insurance pays for injuries to the other driver and their passengers. If you have minimum coverage and are at fault in an accident, your insurance provider should pay up to $30,000 per person and $60,000 per incident for medical bills. You'll most likely be responsible for the payment of any additional costs.
Cheapest Full Coverage Car Insurance in College Station
The following companies offer the cheapest full coverage car insurance in College Station:
- State Farm: $608 per year
- Texas Farm Bureau Group: $683 per year
Dairyland has the city's most expensive rates, at approximately $1,808 per year. As of October 2022, State Farm also offers the cheapest full coverage auto insurance in Texas at $711 per year. This indicates that rates in College Station are approximately $103 more affordable than average.
You can extend the limits of liability-only insurance by purchasing full coverage, which includes comprehensive and collision coverage.
- Collision Insurance: Covers your car in the event of an accident, such as a collision with another vehicle or an object
- Comprehensive Insurance: Helps pay for non-accident damages to your vehicle, such as theft or severe weather
For older vehicles, it may not be worthwhile to invest several hundred dollars more in a full coverage policy.
Cheapest Car Insurance in College Station After a Driving Offense
These companies offer the cheapest auto insurance in College Station for drivers with offenses on their records:
- Speeding ticket: State Farm ($608 per year)
- At-fault accident: State Farm ($754 per year)
- DUI: Mercury ($1,025 per year)
Dairyland ($2,212), Foremost ($3,159) and Chubb ($2,389) offer the most expensive car insurance premiums for drivers with a speeding ticket, at-fault accident or DUI, respectively. A poor driving record can have a major impact on insurance premiums. Occasionally, the lowest rates for drivers with truly awful records are still more expensive than the highest premiums for those with a clean driving record.
In most circumstances, insurance costs increase following a traffic offense. The severity of an offense may impact insurance prices. In College Station, for instance, the cheapest option for drivers with a DUI is $238 more expensive than the cheapest option for drivers with a speeding ticket. However, there are various options for the cheapest auto insurance for drivers with a bad driving record.
Cheapest Car Insurance in College Station for Teens and Their Families
We calculated rates for teen drivers aged 16 on a family policy. The cheapest car insurance companies in College Station are:
- Nationwide: $1,392 per year for female teens; $1,587 per year for male teens
- State Farm: $1,582 per year for female teens; $1,913 per year for male teens
Allstate, the most expensive auto insurance provider for teens in College Station, charges an average of $5,367 annually to insure a female teen driver and $6,317 for a male teen driver.
Male teen rates are often higher since they're considered a greater insurance risk. You can anticipate a decline in rates as they reach early adulthood.
A good strategy to reduce premiums is to include a teen on the family's insurance policy. When teenagers obtain their own policy, premiums are typically more expensive. In College Station, the average rate for a male teenager's independent policy is $7,077 annually. Meanwhile, adding them to a family policy costs $3,810 per year. That's a staggering difference of $3,267. Thousands can be saved by comparing the best and cheapest teen auto insurance policies.
Cheapest Car Insurance in College Station for Military Drivers
Military-affiliated drivers can acquire cheap military auto insurance from the following companies:
- State Farm: $608 per year
- Texas Farm Bureau Group: $683 per year
With an average annual rate of $732, USAA is another good option since its services cater to drivers with a military background.
A full coverage policy is reflected in these rates. In the case of minimum coverage, State Farm has the most affordable minimum coverage auto insurance in College Station at $292 per year, followed by USAA at $308 per year.
How to Compare Cheap College Station Car Insurance Quotes Online
Obtaining auto insurance quotes online can be time-consuming and difficult, particularly if you must provide a significant amount of personal information. Just one quote can take up to 15 minutes.
The car insurance calculator on MoneyGeek simplifies the process by offering estimates based on your age, vehicle type, driving record and desired coverage level.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in College Station: Summary
Affordability, service quality, coverage and other factors can impact your choice of auto insurance. We picked the best provider based on your potential requirements:
- Best overall: Texas Farm Bureau Group (MoneyGeek score of 79 out of 100)
- Best for service: Chubb (MoneyGeek score of 76 out of 100)
- Best cheap: Texas Farm Bureau Group (MoneyGeek score of 80 out of 100)
MoneyGeek scores differ according to how we weighted factors in each category. As the clear winner in two out of three categories, it comes as no surprise that Texas Farm Bureau also offers the best auto insurance in Texas.
Veterans, active military members and military families may be able to find a good auto insurance policy with USAA. The company achieved a MoneyGeek score of 81 out of 100.
Best Overall Car Insurance in College Station
To identify the best auto insurance companies in College Station, we considered both service quality and price:
- Texas Farm Bureau Group: MoneyGeek score of 79 out of 100 ($683 per year)
- State Farm: MoneyGeek score of 76 out of 100 ($608 per year)
Texas Farm Bureau Group triumphed over 11 competitors because it provides the optimal balance of affordability and customer satisfaction. We suggest drivers with a military background also consider auto insurance through USAA. It has a MoneyGeek score of 81 out of 100 and offers reasonable rates in College Station at $732 per year.
Second most affordable insurer among 12 providers
Third-highest score in service quality
Common coverages like roadside assistance are available
Offers limited coverages
Claims processing is subpar
Texas Farm Bureau Group has high scores in customer service and affordability, so you don't have to compromise service quality for lower costs. The company offers coverage for roadside assistance, car rental and travel reimbursement and ridesharing. However, it doesn't offer any other coverages that most insurers offer.
If your vehicle is being repaired due to a covered loss, rental car and travel reimbursement coverage might help pay for a temporary vehicle. This optional coverage allows you to continue your routine if your vehicle is in the shop for repairs, and flexible limits are available to meet your needs.
Texas Farm Bureau Group’s roadside assistance is a dispatch service that's accessible 24/7. It provides coverage for unavoidable mechanical, electrical or other failures that aren't the result of a collision and place your vehicle in an unsafe or undrivable condition.
Best Car Insurance in College Station for Customer Service
When ranking the best auto insurance providers in College Station based on customer satisfaction, we didn't factor in price. Those top insurers are:
- Chubb: MoneyGeek score of 76 out of 100 ($1,385 per year)
- Foremost: MoneyGeek score of 67 out of 100 ($1,221 per year)
MoneyGeek saw that Chubb has exceptional ratings for customer satisfaction and claims management. However, among the 12 insurance carriers in the city, its insurance rates are among the priciest.
Ranked fourth in customer satisfaction out of 12 insurers
Excellent claims management rating
Offers OEM and rental car reimbursement coverage
Only basic coverages available
Expensive car insurance rates
According to a 2022 study by J.D. Power and the NAIC customer complaint index, Chubb provides superior customer service and receives fewer complaints than average. This makes Chubb the best auto insurance company for customer service in College Station, Texas. However, Chubb's auto insurance premiums are expensive.
Chubb has rental car reimbursement coverage as one of its coverage options, letting clients rent a vehicle of the same make and model as their own in the case of an insured loss.
The insurance company also provides original equipment manufacturer (OEM) coverage, which pays to replace the original components of your car. Chubb's decision to not provide optional gap insurance and roadside assistance, as other insurers do, may disappoint some drivers.
Best Cheap Car Insurance Companies in College Station
We examined auto insurance policies meeting the minimum coverage requirements in Texas. According to our analysis, the best companies in terms of affordability and customer service are:
- Texas Farm Bureau Group: MoneyGeek score of 80 out of 100 ($316 per year)
- State Farm: MoneyGeek score of 78 out of 100 ($292 per year)
Despite having the cheapest rates, minimum coverage insurance provides the least amount of protection. It really only protects the other car and its occupants, not you and yours.
An affordable minimum coverage policy costs $316 per year
Third-best score in customer satisfaction
Discounts include anti-theft systems, driver’s education and bundling
Pay-in-full discount not available
Claims management is subpar
Texas Farm Bureau Group policyholders don't have to sacrifice cost for superior customer service. The provider strikes a balance between the two and obtained high ratings compared to its 11 competitors. Additionally, the Texas Farm Bureau offers discounts that almost all College Station drivers can use to further reduce their premiums.
The company offers standard discounts, like bundling numerous policies or insuring multiple vehicles. Safe driving, which is a claims-free discount, is another possible discount.
Drivers in College Station who have a qualified anti-theft device may be eligible for discounted premiums. With the driver's education discount, drivers under 25 who have completed an authorized driver training program are also entitled to a discount.
Average Cost of Car Insurance in College Station
The annual average cost of full coverage auto insurance in College Station is $1,032. This rate is $169 less than the average cost of auto insurance in Texas, which is $1,201 per year, and $233 less than the national average cost of auto insurance, which is $1,265.
These premiums are for a comprehensive policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident, and $100,000 property damage liability per accident. A number of factors, including your location, can influence your auto insurance premiums.
About Mark Fitzpatrick