Compare Rates and Save on Auto Insurance

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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.

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2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$272

$23

Texas Farm Bureau

$275

$23

State Farm

$292

$24

Texas Farm Bureau

$316

$26

Allstate

$326

$27

Allstate

$335

$28

Mercury

$353

$29

State Farm

$357

$30

Mercury

$382

$32

Texas Farm Bureau

$402

$34

Allstate

$408

$34

AAA Texas

$420

$35

AAA Texas

$446

$37

Mercury

$451

$38

Nationwide

$468

$39

GEICO

$474

$39

Nationwide

$490

$41

GEICO

$495

$41

Progressive

$516

$43

Chubb

$524

$44

Progressive

$527

$44

GEICO

$538

$45

AAA Texas

$538

$45

State Farm

$552

$46

Texas Farm Bureau

$567

$47

Chubb

$575

$48

State Farm

$608

$51

Progressive

$615

$51

Nationwide

$653

$54

National General

$670

$56

Foremost

$677

$56

Texas Farm Bureau

$683

$57

National General

$691

$58

Allstate

$693

$58

Mercury

$754

$63

Allstate

$762

$64

State Farm

$784

$65

Foremost

$784

$65

Mercury

$792

$66

Nationwide

$794

$66

GEICO

$811

$68

GEICO

$829

$69

Texas Farm Bureau

$838

$70

National General

$852

$71

AAA Texas

$857

$71

AAA Texas

$857

$71

Foremost

$926

$77

Dairyland

$926

$77

Dairyland

$951

$79

GEICO

$964

$80

Nationwide

$965

$80

Chubb

$1,009

$84

Mercury

$1,025

$85

Allstate

$1,025

$85

Chubb

$1,060

$88

AAA Texas

$1,121

$93

Dairyland

$1,130

$94

Nationwide

$1,157

$96

Progressive

$1,201

$100

Chubb

$1,221

$102

Progressive

$1,248

$104

Foremost

$1,385

$115

National General

$1,441

$120

Foremost

$1,473

$123

Progressive

$1,553

$129

National General

$1,569

$131

Dairyland

$1,627

$136

National General

$1,772

$148

Dairyland

$1,808

$151

Foremost

$1,851

$154

Chubb

$1,899

$158

Dairyland

$2,225

$185

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.

Company
Annual Premium
Monthly Premium

State Farm

$272

$23

Texas Farm Bureau

$275

$23

State Farm

$292

$24

Texas Farm Bureau

$316

$26

Allstate

$326

$27

Allstate

$335

$28

Mercury

$353

$29

State Farm

$357

$30

Mercury

$382

$32

Texas Farm Bureau

$402

$34

Allstate

$408

$34

AAA Texas

$420

$35

AAA Texas

$446

$37

Mercury

$451

$38

Nationwide

$468

$39

GEICO

$474

$39

Nationwide

$490

$41

GEICO

$495

$41

Progressive

$516

$43

Chubb

$524

$44

Progressive

$527

$44

GEICO

$538

$45

AAA Texas

$538

$45

State Farm

$552

$46

Texas Farm Bureau

$567

$47

Chubb

$575

$48

State Farm

$608

$51

Progressive

$615

$51

Nationwide

$653

$54

National General

$670

$56

Foremost

$677

$56

Texas Farm Bureau

$683

$57

National General

$691

$58

Allstate

$693

$58

Mercury

$754

$63

Allstate

$762

$64

State Farm

$784

$65

Foremost

$784

$65

Mercury

$792

$66

Nationwide

$794

$66

GEICO

$811

$68

GEICO

$829

$69

Texas Farm Bureau

$838

$70

National General

$852

$71

AAA Texas

$857

$71

AAA Texas

$857

$71

Foremost

$926

$77

Dairyland

$926

$77

Dairyland

$951

$79

GEICO

$964

$80

Nationwide

$965

$80

Chubb

$1,009

$84

Mercury

$1,025

$85

Allstate

$1,025

$85

Chubb

$1,060

$88

AAA Texas

$1,121

$93

Dairyland

$1,130

$94

Nationwide

$1,157

$96

Progressive

$1,201

$100

Chubb

$1,221

$102

Progressive

$1,248

$104

Foremost

$1,385

$115

National General

$1,441

$120

Foremost

$1,473

$123

Progressive

$1,553

$129

National General

$1,569

$131

Dairyland

$1,627

$136

National General

$1,772

$148

Dairyland

$1,808

$151

Foremost

$1,851

$154

Chubb

$1,899

$158

Dairyland

$2,225

$185

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.

Company
Annual Premium
Monthly Premium

State Farm

$272

$23

Texas Farm Bureau

$275

$23

State Farm

$292

$24

Texas Farm Bureau

$316

$26

Allstate

$326

$27

Allstate

$335

$28

State Farm

$350

$29

State Farm

$357

$30

State Farm

$373

$31

Texas Farm Bureau

$402

$34

Allstate

$408

$34

State Farm

$445

$37

Mercury

$486

$40

Mercury

$498

$41

Texas Farm Bureau

$498

$42

GEICO

$533

$44

Texas Farm Bureau

$535

$45

State Farm

$543

$45

Nationwide

$550

$46

State Farm

$552

$46

Allstate

$556

$46

GEICO

$559

$47

AAA Texas

$564

$47

State Farm

$566

$47

Chubb

$566

$47

Progressive

$566

$47

Texas Farm Bureau

$567

$47

Allstate

$571

$48

Nationwide

$572

$48

Mercury

$578

$48

GEICO

$580

$48

Mercury

$591

$49

AAA Texas

$600

$50

Mercury

$602

$50

Allstate

$602

$50

State Farm

$608

$51

Progressive

$611

$51

Progressive

$616

$51

Allstate

$618

$52

Chubb

$621

$52

Texas Farm Bureau

$621

$52

Mercury

$623

$52

AAA Texas

$634

$53

GEICO

$637

$53

State Farm

$637

$53

AAA Texas

$665

$55

Progressive

$666

$55

AAA Texas

$674

$56

Progressive

$677

$56

Texas Farm Bureau

$683

$57

GEICO

$684

$57

Texas Farm Bureau

$685

$57

Allstate

$693

$58

State Farm

$694

$58

Allstate

$697

$58

GEICO

$697

$58

AAA Texas

$707

$59

Texas Farm Bureau

$718

$60

AAA Texas

$723

$60

Progressive

$728

$61

Mercury

$728

$61

Nationwide

$744

$62

State Farm

$754

$63

Allstate

$755

$63

National General

$760

$63

Foremost

$762

$63

Allstate

$762

$64

Nationwide

$767

$64

National General

$772

$64

Chubb

$781

$65

State Farm

$784

$65

National General

$785

$65

Nationwide

$796

$66

Progressive

$798

$66

National General

$803

$67

GEICO

$807

$67

GEICO

$807

$67

AAA Texas

$813

$68

Foremost

$819

$68

Texas Farm Bureau

$838

$70

AAA Texas

$853

$71

Mercury

$858

$72

Chubb

$858

$72

Progressive

$877

$73

GEICO

$880

$73

Foremost

$889

$74

Progressive

$922

$77

Texas Farm Bureau

$935

$78

Mercury

$938

$78

Dairyland

$943

$79

State Farm

$947

$79

Nationwide

$950

$79

Nationwide

$954

$80

GEICO

$957

$80

GEICO

$957

$80

Foremost

$963

$80

National General

$965

$80

National General

$967

$81

Dairyland

$967

$81

Nationwide

$979

$82

Texas Farm Bureau

$979

$82

Foremost

$1,014

$85

Chubb

$1,022

$85

Allstate

$1,025

$85

Mercury

$1,025

$85

State Farm

$1,043

$87

Nationwide

$1,045

$87

National General

$1,051

$88

GEICO

$1,065

$89

Foremost

$1,072

$89

Mercury

$1,080

$90

Chubb

$1,090

$91

National General

$1,098

$92

State Farm

$1,103

$92

Nationwide

$1,119

$93

Allstate

$1,121

$93

Texas Farm Bureau

$1,123

$94

Chubb

$1,123

$94

AAA Texas

$1,126

$94

Texas Farm Bureau

$1,127

$94

AAA Texas

$1,128

$94

Nationwide

$1,137

$95

Chubb

$1,143

$95

GEICO

$1,149

$96

Dairyland

$1,150

$96

Mercury

$1,164

$97

GEICO

$1,169

$97

Allstate

$1,191

$99

Allstate

$1,209

$101

Dairyland

$1,225

$102

AAA Texas

$1,251

$104

AAA Texas

$1,255

$105

National General

$1,258

$105

GEICO

$1,276

$106

Allstate

$1,279

$107

Mercury

$1,280

$107

State Farm

$1,296

$108

AAA Texas

$1,307

$109

Mercury

$1,308

$109

Nationwide

$1,311

$109

AAA Texas

$1,312

$109

Dairyland

$1,315

$110

Chubb

$1,319

$110

Nationwide

$1,327

$111

Texas Farm Bureau

$1,342

$112

Mercury

$1,363

$114

Dairyland

$1,367

$114

Texas Farm Bureau

$1,390

$116

Dairyland

$1,399

$117

Progressive

$1,406

$117

Nationwide

$1,420

$118

Progressive

$1,424

$119

GEICO

$1,428

$119

AAA Texas

$1,476

$123

GEICO

$1,485

$124

GEICO

$1,491

$124

Dairyland

$1,491

$124

Chubb

$1,507

$126

Progressive

$1,523

$127

Mercury

$1,536

$128

Progressive

$1,546

$129

Foremost

$1,580

$132

Chubb

$1,583

$132

Dairyland

$1,623

$135

Allstate

$1,629

$136

Nationwide

$1,634

$136

AAA Texas

$1,642

$137

Dairyland

$1,645

$137

Foremost

$1,663

$139

National General

$1,674

$139

Texas Farm Bureau

$1,689

$141

Foremost

$1,693

$141

Foremost

$1,695

$141

AAA Texas

$1,716

$143

Allstate

$1,724

$144

Nationwide

$1,727

$144

Progressive

$1,727

$144

National General

$1,787

$149

Nationwide

$1,803

$150

Chubb

$1,824

$152

Dairyland

$1,825

$152

Foremost

$1,828

$152

Progressive

$1,845

$154

National General

$1,878

$157

National General

$1,882

$157

Mercury

$1,889

$157

Mercury

$1,889

$157

Progressive

$1,936

$161

Chubb

$1,973

$164

Foremost

$1,982

$165

Progressive

$2,005

$167

National General

$2,006

$167

Chubb

$2,052

$171

Foremost

$2,053

$171

Chubb

$2,072

$173

Foremost

$2,076

$173

Nationwide

$2,141

$178

Foremost

$2,168

$181

Dairyland

$2,212

$184

National General

$2,221

$185

Dairyland

$2,223

$185

Dairyland

$2,246

$187

Progressive

$2,288

$191

National General

$2,308

$192

Chubb

$2,389

$199

National General

$2,495

$208

Dairyland

$2,501

$208

Dairyland

$2,531

$211

National General

$2,554

$213

Dairyland

$2,631

$219

Dairyland

$2,821

$235

Chubb

$2,841

$237

Foremost

$3,159

$263

Foremost

$3,660

$305

Chubb

$3,721

$310

Foremost

$3,752

$313

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$562

$2,644

State Farm

$655

$3,080

State Farm

$672

$3,596

State Farm

$706

$3,318

Nationwide

$913

$2,054

Nationwide

$924

$2,210

State Farm

$940

$3,176

Nationwide

$965

$2,757

Nationwide

$1,023

$3,166

Nationwide

$1,028

$2,312

State Farm

$1,029

$3,808

Nationwide

$1,043

$2,581

State Farm

$1,055

$3,566

Nationwide

$1,084

$2,437

Nationwide

$1,092

$2,612

Nationwide

$1,102

$2,953

State Farm

$1,114

$4,399

Nationwide

$1,158

$2,770

State Farm

$1,161

$3,923

State Farm

$1,235

$5,252

State Farm

$1,257

$4,650

State Farm

$1,290

$4,842

Nationwide

$1,297

$4,493

Nationwide

$1,324

$5,281

GEICO

$1,344

$2,479

Nationwide

$1,353

$3,866

GEICO

$1,358

$2,992

GEICO

$1,361

$2,388

Allstate

$1,362

$1,816

GEICO

$1,377

$2,540

GEICO

$1,380

$2,422

GEICO

$1,389

$2,989

Nationwide

$1,392

$5,710

GEICO

$1,409

$2,730

State Farm

$1,420

$5,962

Nationwide

$1,422

$5,674

GEICO

$1,437

$2,652

GEICO

$1,439

$2,738

GEICO

$1,456

$2,555

Allstate

$1,467

$1,872

Nationwide

$1,468

$5,747

Nationwide

$1,508

$6,684

Nationwide

$1,524

$4,716

State Farm

$1,535

$6,637

State Farm

$1,546

$5,804

State Farm

$1,578

$6,627

State Farm

$1,582

$7,337

Nationwide

$1,587

$7,231

GEICO

$1,595

$4,006

GEICO

$1,609

$3,544

Nationwide

$1,622

$7,186

Allstate

$1,652

$2,202

GEICO

$1,656

$4,080

Allstate

$1,678

$2,585

GEICO

$1,681

$3,618

State Farm

$1,718

$7,453

GEICO

$1,730

$4,793

Progressive

$1,732

$2,692

Allstate

$1,761

$2,348

Progressive

$1,801

$4,411

GEICO

$1,803

$4,928

Progressive

$1,803

$2,662

State Farm

$1,907

$8,273

State Farm

$1,913

$9,172

Allstate

$1,926

$2,459

GEICO

$1,929

$5,344

Progressive

$1,958

$4,775

Allstate

$1,968

$3,008

GEICO

$1,982

$6,333

Allstate

$1,989

$2,932

GEICO

$2,041

$5,580

Progressive

$2,056

$3,036

Foremost

$2,079

$3,421

GEICO

$2,097

$6,694

Progressive

$2,098

$3,261

Allstate

$2,122

$2,709

Foremost

$2,137

$2,943

Progressive

$2,153

$5,987

Progressive

$2,170

$3,822

Progressive

$2,203

$4,133

Progressive

$2,213

$5,420

Progressive

$2,233

$3,298

Foremost

$2,241

$3,086

Foremost

$2,250

$3,238

Foremost

$2,270

$3,126

Foremost

$2,297

$3,895

Foremost

$2,321

$3,090

Progressive

$2,322

$3,608

Allstate

$2,326

$3,426

Progressive

$2,438

$6,834

Foremost

$2,495

$3,322

Foremost

$2,542

$3,662

Progressive

$2,553

$6,226

Foremost

$2,602

$3,464

Allstate

$2,645

$4,747

Allstate

$2,724

$4,016

Progressive

$2,735

$12,288

Foremost

$2,744

$9,134

Foremost

$2,822

$9,257

Foremost

$2,860

$9,521

Foremost

$2,969

$9,739

Foremost

$3,044

$5,949

Progressive

$3,044

$13,791

Progressive

$3,057

$14,324

Foremost

$3,074

$6,026

Allstate

$3,120

$5,620

Allstate

$3,219

$4,743

Foremost

$3,239

$13,684

Progressive

$3,246

$14,582

Progressive

$3,362

$15,812

Foremost

$3,370

$5,713

Foremost

$3,373

$14,197

Foremost

$3,435

$5,652

Progressive

$3,553

$16,093

Allstate

$4,048

$5,722

Allstate

$4,759

$6,739

Allstate

$4,957

$7,005

Allstate

$5,367

$10,031

Allstate

$5,828

$8,252

Allstate

$6,317

$11,841

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.

Company
Annual Premium
Monthly Premium

State Farm

$272

$23

Texas Farm Bureau

$275

$23

State Farm

$292

$24

USAA

$308

$26

Texas Farm Bureau

$316

$26

Allstate

$326

$27

USAA

$327

$27

Allstate

$335

$28

Mercury

$353

$29

State Farm

$357

$30

USAA

$366

$31

Mercury

$382

$32

Texas Farm Bureau

$402

$34

Allstate

$408

$34

AAA Texas

$420

$35

AAA Texas

$446

$37

Mercury

$451

$38

Nationwide

$468

$39

GEICO

$474

$39

Nationwide

$490

$41

GEICO

$495

$41

Progressive

$516

$43

Chubb

$524

$44

Progressive

$527

$44

GEICO

$538

$45

AAA Texas

$538

$45

State Farm

$552

$46

Texas Farm Bureau

$567

$47

Chubb

$575

$48

State Farm

$608

$51

Progressive

$615

$51

Nationwide

$653

$54

National General

$670

$56

Foremost

$677

$56

Texas Farm Bureau

$683

$57

National General

$691

$58

Allstate

$693

$58

USAA

$714

$59

USAA

$732

$61

Mercury

$754

$63

Allstate

$762

$64

State Farm

$784

$65

Foremost

$784

$65

Mercury

$792

$66

Nationwide

$794

$66

GEICO

$811

$68

GEICO

$829

$69

Texas Farm Bureau

$838

$70

National General

$852

$71

AAA Texas

$857

$71

AAA Texas

$857

$71

USAA

$889

$74

Foremost

$926

$77

Dairyland

$926

$77

Dairyland

$951

$79

GEICO

$964

$80

Nationwide

$965

$80

Chubb

$1,009

$84

Mercury

$1,025

$85

Allstate

$1,025

$85

Chubb

$1,060

$88

AAA Texas

$1,121

$93

Dairyland

$1,130

$94

Nationwide

$1,157

$96

Progressive

$1,201

$100

Chubb

$1,221

$102

Progressive

$1,248

$104

Foremost

$1,385

$115

National General

$1,441

$120

Foremost

$1,473

$123

Progressive

$1,553

$129

National General

$1,569

$131

Dairyland

$1,627

$136

National General

$1,772

$148

Dairyland

$1,808

$151

Foremost

$1,851

$154

Chubb

$1,899

$158

Dairyland

$2,225

$185

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.

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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.

Texas Farm Bureau

pros

Second most affordable insurer among 12 providers

Third-highest score in service quality

Common coverages like roadside assistance are available

cons

Offers limited coverages

Claims processing is subpar

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

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.

Chubb

pros

Ranked fourth in customer satisfaction out of 12 insurers

Excellent claims management rating

Offers OEM and rental car reimbursement coverage

cons

Only basic coverages available

Expensive car insurance rates

COMPANY HIGHLIGHTS

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.

Texas Farm Bureau

pros

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

cons

Pay-in-full discount not available

Claims management is subpar

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.