Compare the Cheapest Car Insurance Quotes in College Station

At roughly $1,078 per year, the average car insurance rate in College Station is lower than the state average. Farmers has the cheapest policies in the city at approximately $713 per year. To help you find the best rates, MoneyGeek analyzed the cheapest companies by coverage amount and driving history. We also determined the best insurers balancing affordability and quality.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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Farmers is the cheapest provider in College Station for full coverage and state minimum car insurance. State Farm offers the cheapest policies for drivers with speeding tickets.

USAA could be the most affordable option for those with a military background.

According to MoneyGeek’s data, GEICO is the best company that balances affordability and service quality in College Station.

iconribbonbestauto insuranceCollege Station2022

The Cheapest and Best Car Insurance in College Station

The Cheapest Car Insurance Companies in College Station

On average, the companies offering the cheapest full coverage car insurance in College Station are:

  • Farmers: $713 per year
  • GEICO: $743 per year

If you are a current or former military member, you’ll get the most affordable rate from USAA at roughly $693 per year.

A full coverage policy provides both comprehensive and collision insurance. Farmers offers policies that are around 206.5% more affordable than those from The General, which has the most expensive average annual rate of $2,185. Note that your premiums may still change depending on your chosen liability limits.

Cheapest Car Insurance in College Station
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $693
  • 2.
    Farmers
    $713
  • 3.
    GEICO
    $743
  • 4.
    State Farm
    $750
  • 5.
    AAA
    $897
  • 6.
    Esurance
    $919
  • 7.
    Allstate
    $958
  • 8.
    Nationwide
    $1,072
  • 9.
    Mercury
    $1,183
  • 10.
    MetLife
    $1,363
  • 11.
    The General
    $2,185

Per our methodology, MoneyGeek collected average car insurance rates in College Station for a 40-year-old driver with a full coverage policy.

The cost of a full coverage policy is typically more expensive than that of minimum coverage. This is because it includes comprehensive and collision coverage, which can help pay for the damages to your car.

  • Comprehensive Insurance: Pays for the repair or replacement of your car if it is damaged in an incident that’s not caused by an accident.
  • Collision Insurance: Covers the cost of repairing or replacing your car if it is damaged in an accident.

That said, consider purchasing liability-only or state minimum auto insurance if the cost of a full coverage policy is more than the value of your older car.

Compare Car Insurance Rates in College Station

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in College Station for Minimum Coverage

To get the cheapest car insurance in College Station, you may purchase the state minimum coverage. On average, the companies offering the cheapest rates for this policy are the following:

  • Farmers: $363 per year
  • State Farm: $395 per year

Those with a military background may get the most affordable rates from USAA at roughly $314 per year.

If you’re considering The General, keep in mind that it has an average annual rate of $1,130, which is roughly $767 more expensive than Farmers.

The state minimum coverage may be the most affordable option in College Station, but you risk being not fully protected since it doesn’t have comprehensive and collision insurance. You can toggle the table below to see how much more it would cost if you increase your liability coverage.

Cheapest Minimum Liability Car Insurance in College Station
State Minimum

The cheapest car insurance that you can buy in College Station is a state minimum coverage policy. However, it provides the least protection since it only has a 30/60/25 coverage limit. These are the minimum car insurance requirements in Texas. In the event of an accident, you may end up paying more out of pocket.

For example, if you are at fault in an accident that incurs $50,000 in medical bills, your insurer will only cover $30,000. You will have to pay off the remaining $20,000 with your own money.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in College Station if You Have Driving Violations

Committing driving violations like DUIs, speeding tickets and at-fault accidents can increase the cost of your car insurance. In College Station, the cheapest companies for specific violations are:

  • Cheapest after a ticket: State Farm at $750 per year
  • Cheapest after an at-fault accident: State Farm at $902 per year
  • Cheapest after a DUI: Esurance at $919 per year

You can lower your insurance premiums by improving your driving record over time. In the meantime, a good alternative is to shop around and see which company offers the best cheap car insurance after an accident or a ticket.

Cheapest Car Insurance in College Station With a Violation
Speeding Ticket

Average Cost of Car Insurance in College Station

College Station$1,078
Texas$1,316
U.S.$1,424

In College Station, a car insurance policy has an average cost of $1,078 per year. This is significantly lower than the average state and national rates. Drivers in College Station pay 18.1% less than the state average and 24.3% less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in College Station

Usually, car insurance companies in College Station rely on several factors to determine the cost of your insurance. These include your age, gender, coverage level, ZIP code and car make and model. Since your circumstances can change over time, it’s best to compare personalized quotes regularly. Doing this can help you find the most affordable policy and save some money.

Compare Car Insurance Rates in College Station

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in College Station

Along with price, customer service experience is an important consideration when shopping for car insurance. MoneyGeek scored the best car insurance companies in College Station that balance affordability and service quality. The insurers with the highest scores are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

USAA received the highest score, but it was excluded from the ranking because of its limited customer base.

MoneyGeek evaluated companies using a scoring system that considers affordability, financial stability and J.D. Power satisfaction rating.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Since the number of accidents, car-theft incidents and other factors can vary between neighborhoods, your ZIP code can influence the cost of your car insurance premiums.

For example, if you’re living in College Station’s most expensive ZIP code, you could pay $48 more for car insurance. Those in ZIP code 77845 have an average rate of $1,054 per year, while those in ZIP code 77840 have an average rate of $1,102 per year.

  • Zip Code
    State Minimumper year
  • 77845
    $1,054
  • 77840
    $1,102

Factors That Impact Insurance Costs in College Station

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in College Station. How College Station ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities274th/300
handcuffs2 icon
Most Car Thefts41st/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall109th/300
umbrella icon
Most Rainy Days169th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for College Station are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.