Cheapest and Best Car Insurance in College Station, TX (June 2024)


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Updated: May 23, 2024

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In College Station, Texas Farm Bureau offers the lowest rates for full and minimum coverage. GEICO is the cost-effective choice for families with teen drivers. As for service, Chubb stands out as the premier option; it's also the best overall. Ultimately, the right fit for you will depend on your personal and coverage needs.

MoneyGeek Logo IconBest & CheapestCar InsuranceCollege Station
2024

Cheapest and Best Car Insurance in College Station

Why Trust MoneyGeek? We analyzed 328,384 quotes in Texas, including the city of College Station, from 14 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for College Station insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in College Station, TX, as of June 2024.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in College Station

MoneyGeek found the most affordable option for minimum coverage car insurance in College Station.

  • Texas Farm Bureau: $316 per year
  • State Farm: $381 per year

Dairyland is the most expensive for minimum coverage, with an annual premium of $2,008. This stark contrast, representing a difference of $1,692, underscores the significance of comparing car insurance quotes to ensure you're not overpaying.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Texas Farm BureauAnnual Premium$316Monthly Premium$26
State FarmAnnual Premium$381Monthly Premium$32
MercuryAnnual Premium$389Monthly Premium$32
AAA TexasAnnual Premium$580Monthly Premium$48
AllstateAnnual Premium$613Monthly Premium$51
GEICOAnnual Premium$628Monthly Premium$52
National GeneralAnnual Premium$637Monthly Premium$53
ProgressiveAnnual Premium$644Monthly Premium$54

State Minimum Liability Requirements

For all Texans from Amarillo to College Station, know that your car insurance coverage isn't up to the city or the county — it's Texas state law that says what the minimum requirements are. Here's what you're looking at for the basics:

  • $30,000 bodily injury per person
  • $60,000 bodily injury per accident
  • $25,000 property damage liability per accident

Picturing those numbers in real life, say you're at fault in a road mishap, your insurance will cover up to $30,000 for injuries per person. But, let's say the total injuries per person go beyond that, you'll be dipping into your wallet to make up the difference.

Cheapest Full Coverage Car Insurance in College Station

MoneyGeek found the companies with the cheapest full coverage car insurance in College Station.

  • Texas Farm Bureau: $683 per year
  • State Farm: $855 per year

Dairyland carries the most expensive full coverage policy in College Station at $3,812 annually. The price difference of $3,129 between the cheapest and most expensive illustrates the importance of shopping around for insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Texas Farm BureauAnnual Premium$683Monthly Premium$57
State FarmAnnual Premium$855Monthly Premium$71
GEICOAnnual Premium$1,134Monthly Premium$95
AAA TexasAnnual Premium$1,182Monthly Premium$98
NationwideAnnual Premium$1,257Monthly Premium$105
AllstateAnnual Premium$1,271Monthly Premium$106
ProgressiveAnnual Premium$1,340Monthly Premium$112
National GeneralAnnual Premium$1,408Monthly Premium$117

Do You Need Full Coverage in Texas?

The sample full coverage insurance plan for College Station raises liability thresholds above the minimum, offering coverage of up to $100,000 for bodily injury per person, $300,000 per accident and $100,000 for property damage in each incident. The plan is referred to as 100/300/100 coverage.

The breadth of a full coverage policy extends beyond enhanced liability caps, encompassing both comprehensive and collision insurance:

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

When it comes to brand-new vehicles, opting for full coverage insurance is a prudent move to protect your investment. However, with older cars, the additional expense of hundreds of dollars might not equate to a good value proposition due to their diminished value.

Carefully weighing how much car insurance you require involves a diligent evaluation of whether the higher premiums associated with more comprehensive coverage justify the cost relative to the risk of being underinsured.

Cheapest Car Insurance in College Station After a Driving Offense

MoneyGeek found that the cheapest option for College Station drivers with a poor driving record varies depending on the type of offense. The most affordable insurance providers for each incident are as follows:

  • Speeding Ticket: Texas Farm Bureau ($683 per year)
  • At-Fault Accident: State Farm ($1,056 per year)
  • DUI: Texas Farm Bureau ($1,342 per year)

Among these, Dairyland consistently has the highest rates for the offenses, with annual premiums reaching $5,406 after an at-fault accident, $3,859 after a DUI and $4,760 after a speeding ticket. It’s notably costlier to get coverage after a DUI as opposed to a speeding ticket, with a difference of $659 illustrating how the severity of offenses can significantly affect car insurance rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Texas Farm BureauAnnual Premium$683Monthly Premium$57
State FarmAnnual Premium$855Monthly Premium$71
AllstateAnnual Premium$1,271Monthly Premium$106
GEICOAnnual Premium$1,312Monthly Premium$109
NationwideAnnual Premium$1,459Monthly Premium$122
AAA TexasAnnual Premium$1,529Monthly Premium$127
ProgressiveAnnual Premium$1,722Monthly Premium$144
ChubbAnnual Premium$1,859Monthly Premium$155

Insurance rates typically increase with the severity of driving infractions due to the higher risk presented by offenders to insurers. An example from College Station illustrates this, where drivers with a speeding ticket face an average annual premium of $2,451, while those with a DUI could expect their rate to soar to approximately $3,000.

Cheapest Car Insurance in College Station for Teens and Their Families

MoneyGeek found that Nationwide offers the cheapest option in College Station for families seeking the most affordable full coverage car insurance for their teen drivers. Here are the most cost-effective choices:

  • Nationwide: $1,392 per year for female teens and $1,587 per year for male teens
  • State Farm: $1,582 per year for female teens and $1,913 per year for male teens

Among the options, Allstate has the most expensive teen family policy, with the premium for a female teen being $5,367 to $3,975 more per year than Nationwide. This stark contrast underscores the importance of comparing rates, especially considering teen drivers are generally seen as higher-risk and can significantly impact family insurance costs.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,392Individual Plan Monthly Premium$3,446
State FarmFamily Plan Annual Premium$1,582Individual Plan Monthly Premium$2,221
GEICOFamily Plan Annual Premium$1,982Individual Plan Monthly Premium$2,743
ProgressiveFamily Plan Annual Premium$3,057Individual Plan Monthly Premium$9,109
ForemostFamily Plan Annual Premium$3,239Individual Plan Monthly Premium$9,154
AllstateFamily Plan Annual Premium$5,367Individual Plan Monthly Premium$6,242

In College Station, the disparity in car insurance premiums for teens is stark, with average individual annual premiums at approximately $6,160 compared to $3,108 for those included in a family policy. Such a significant difference is attributable to the high-risk profile insurers associate with teen drivers due to their lack of experience. Consequently, it’s economically savvy for families to include teens in a joint policy, which not only improves the likelihood of approval but also substantially reduces the financial burden.

Cheapest Car Insurance in College Station for Military Drivers

MoneyGeek found the cheapest car insurance for drivers with military backgrounds in College Station.

  • Texas Farm Bureau: $683 per year
  • State Farm: $855 per year

Although not the cheapest, USAA ranks third with an annual premium of $911. USAA may have slightly higher rates than its competitors, but it is known for its exceptional service that caters directly to the needs of active-duty military members and veterans.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Texas Farm BureauAnnual Premium$683Monthly Premium$57
State FarmAnnual Premium$855Monthly Premium$71
USAAAnnual Premium$911Monthly Premium$76
GEICOAnnual Premium$1,134Monthly Premium$95
AAA TexasAnnual Premium$1,182Monthly Premium$98
NationwideAnnual Premium$1,257Monthly Premium$105
AllstateAnnual Premium$1,271Monthly Premium$106
ProgressiveAnnual Premium$1,340Monthly Premium$112

How to Compare Cheap College Station Car Insurance Quotes Online

Finding the most affordable car insurance rates in College Station often entails comparing offerings from multiple insurers, which can be quite time-consuming – up to 15 minutes per company, to be precise. However, MoneyGeek's car insurance calculator streamlines this process, significantly reducing the time spent. By inputting key information such as age, driving record, credit score and desired coverage, users can receive an instant, personalized rate estimate.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 22, 2024

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Best Car Insurance in College Station: Overview

Choosing the best auto insurance involves weighing your priorities, such as service quality, cost, coverage and other factors. MoneyGeek's comprehensive research uses distinct scoring systems for each category, revealing the top insurers in College Station tailored to different needs:

  • Best overall: Chubb (MoneyGeek score 90 out of 100)
  • Best for service: Chubb (MoneyGeek score 92 out of 100)
  • Best cheap: Chubb (MoneyGeek score 88 out of 100)

With Chubb securing the top spot across all categories, it stands as the premier choice in College Station for overall value, service and affordability.

Overall Best Car Insurance in College Station

MoneyGeek found the best option in College Station for those seeking exceptional car insurance coverage.

  • Chubb: MoneyGeek score of 90 out of 100 ($1,640 per year)
  • Foremost: MoneyGeek score of 75 out of 100 ($2,017 per year)

Chubb stands out in College Station with its high scores in customer satisfaction and affordability, which are the most influential factors in its near-perfect MoneyGeek score for a full coverage policy.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
90/ of 100

Overview

Affordability and satisfaction scores are the leading contributors to Chubb's high MoneyGeek score. Chubb's car insurance includes both rental car and/or travel reimbursement and roadside assistance. Among the reasonably common coverages, Chubb offers original equipment manufacturer (OEM) coverage, which is pertinent for those wanting repairs with factory-original parts.

Chubb also provides rare and valuable coverages like diminished value coverage, which ensures that policyholders receive compensation for lost value post-accident, even after repairs. Chubb affirmed its top spot on MoneyGeek's score list through a blend of robust customer satisfaction (34/35), affordability (24/30), stellar claims service (20/20) and comprehensive coverage (7/10).

Best Car Insurance in College Station for Customer Service

MoneyGeek found that the following companies are the best options in College Station for consumers seeking top-notch customer service, regardless of cost:

  • Chubb: MoneyGeek score of 92 out of 100 ($1,640 per year)
  • Foremost: MoneyGeek score of 77 out of 100 ($2,017 per year)

Chubb stands out primarily due to its exceptional claims handling experience and high satisfaction ratings among customers.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
92/ of 100

Overview

Chubb's impressive MoneyGeek score owes much to its stellar satisfaction and claims handling abilities. While it touts common coverages such as rental car and/or travel reimbursement and roadside assistance, its portfolio lacks a bit of breadth in the reasonably common coverage department, which is a slight drawback.

As a leading insurer, Chubb offers antique/classic car insurance, which is invaluable for collectors needing tailored policies for their treasured vehicles. Also worthy of note is the diminished value coverage, ensuring customers can recover the lost value of their vehicle post-accident.

Best Cheap Car Insurance in College Station

The following companies provide the best cheap car insurance in College Station, combining affordability with customer satisfaction.

  • Chubb: MoneyGeek score of 88 out of 100 ($848 per year)
  • Mercury: MoneyGeek score of 78 out of 100 ($389 per year)

Chubb distinguishes itself as the leading provider with the highest MoneyGeek score, predominantly due to its outstanding claims handling and high marks in customer satisfaction. Specifically, this score is associated with a minimum coverage policy, speaking volumes about the value Chubb offers within the necessity of essential auto insurance protection.

Company logo for Chubb
Best Cheap CompanyChubb
MoneyGeek Score:
88/ of 100

Overview

Chubb excels in claims handling, which contribute heavily to its impressive MoneyGeek score. Its average annual premium for minimum coverage stands at just $848, demonstrating how affordable it is for the average driver. Chubb offers some reasonably common discounts, such as defensive driving, and others like VIN etching.

Chubb showcases a broad spectrum of discounts, including bundling, mutiple car and safe driving. However, it does not have the good student discount.

Reaffirming its value, Chubb's affordability score is commendable at 32 (out of 40). In addition, its satisfaction and claims scores are substantive at 25 (out of 25) and 20 (out of 20), respectively.

Average Cost of Car Insurance in College Station

In College Station, Texas, the average car insurance premium is $1,504. This figure is notably lower than the overall state average in Texas, where the cost is $1,738. Moreover, Texas' state average is slightly higher than the national average at $1,720, with a difference of $18 more annually.

The cost of car insurance is determined by various factors, such as driving history, vehicle type and coverage levels, but location plays a significant role. Urban areas tend to have higher premiums due to increased risks associated with traffic density, crime rates and the likelihood of accidents.

For instance, Houston holds the most expensive premium in the state at $2,113, while Wichita Falls has the cheapest at $1,374. The stark $739 difference illustrates how location within the state can greatly impact insurance costs.

AbileneAnnual Premium$1,444
AllenAnnual Premium$1,710
AmarilloAnnual Premium$1,728
ArlingtonAnnual Premium$1,703
AustinAnnual Premium$1,690
BeaumontAnnual Premium$1,812
BrownsvilleAnnual Premium$1,787
CarrolltonAnnual Premium$1,827
College StationAnnual Premium$1,504
Corpus ChristiAnnual Premium$1,623
DallasAnnual Premium$1,917
DentonAnnual Premium$1,631
El PasoAnnual Premium$1,568
Fort WorthAnnual Premium$1,691
FriscoAnnual Premium$1,708
GarlandAnnual Premium$1,920
Grand PrairieAnnual Premium$1,882
HoustonAnnual Premium$2,113
IrvingAnnual Premium$1,845
KilleenAnnual Premium$1,515
LaredoAnnual Premium$1,748
League CityAnnual Premium$1,784
LewisvilleAnnual Premium$1,662
LubbockAnnual Premium$1,567
McAllenAnnual Premium$1,929
McKinneyAnnual Premium$1,708
MesquiteAnnual Premium$1,906
MidlandAnnual Premium$1,494
OdessaAnnual Premium$1,623
PasadenaAnnual Premium$1,853
PearlandAnnual Premium$1,914
PlanoAnnual Premium$1,775
RichardsonAnnual Premium$1,836
Round RockAnnual Premium$1,584
San AngeloAnnual Premium$1,425
San AntonioAnnual Premium$1,752
Sugar LandAnnual Premium$1,819
The WoodlandsAnnual Premium$1,832
TylerAnnual Premium$1,609
WacoAnnual Premium$1,485
Wichita FallsAnnual Premium$1,374

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.