College Station's average full coverage car insurance costs $123 per month. Rates range from $118 to $376, depending on driver details and vehicle type. The table below includes average premiums for various driver profiles to help drivers understand potential costs.
College Station, TX, Car Insurance
Updated: January 17, 2025
Advertising & Editorial Disclosure
Cheapest Car Insurance in College Station: Key Takeaways
Texas Farm Bureau, State Farm and Progressive offer College Station's most affordable car insurance options.
Texas Farm Bureau provides the cheapest car insurance, with rates of $26 per month for minimum coverage and $57 for full coverage.
On average, car insurance costs $60 per month for minimum coverage and $123 for full coverage.
Car Insurance Quotes in College Station, TX
| Young Drivers | $78 | $160 |
| Teens | No Data | $376 |
| Seniors | $60 | $118 |
| Drivers With an Accident | $99 | $197 |
| Drivers With a Speeding Ticket | $71 | $148 |
| Drivers With a DUI | $91 | $178 |
| Bad Credit | $104 | $219 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
College Station vs. State Average
Texas
State Average Full Coverage Rate
$1,695
College Station, TX
City Average Full Coverage Rate
$1,475College Station Car Insurance is Cheap:$220 saved
This is 13% less expensive.
What Is the Average Car Insurance Rate in College Station?
College Station's average annual cost of full coverage car insurance is $1,475, and minimum coverage costs $717. These rates are lower than Texas' averages of $1,695 and $810, respectively.
| State Average | $810 | $1,695 |
| College Station Average | $717 | $1,475 |
Cheapest Car Insurance Companies in College Station
Even with rising premiums in Texas, affordable car insurance is still within reach in College Station. Texas Farm Bureau offers the cheapest minimum coverage at just $26 per month and full coverage at $57.
WHY CAR INSURANCE IN COLLEGE STATION IS CHEAPER
College Station’s lower population density reduces serious accident risks, enabling insurers to charge lower premiums due to decreased claim risk.
Cheap Car Insurance in College Station
Texas Farm Bureau often offers affordable rates in College Station, but the cheapest car insurance varies per driver. To find the best price, get quotes from several providers. The table below highlights the lowest rates for different driver profiles.
| Texas Farm Bureau | Minimum Coverage | $26 |
| Texas Farm Bureau | Full Coverage | $57 |
| State Farm | Teens | $179 |
| Texas Farm Bureau | Young Adults | $52 |
| Texas Farm Bureau | Seniors | $35 |
| Texas Farm Bureau | Bad Credit | $91 |
| Progressive | Drivers With a DUI | $78 |
| State Farm | Drivers With an Accident | $66 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $42 |
Car Insurance Rates in College Station by Company
To get the cheapest car insurance, compare rates from different companies. Below, we detail College Station's most affordable minimum and full coverage options.
Cheapest Car Insurance Companies for Minimum Coverage in College Station
Texas Farm Bureau offers the cheapest minimum coverage auto insurance at $26 per month, followed by Mercury and State Farm at $32. The table below breaks down the affordable options.
| Texas Farm Bureau | $26 | $33 |
| Mercury | $32 | $28 |
| State Farm | $32 | $27 |
| Progressive | $46 | $13 |
| AAA Texas | $48 | $11 |
| National General | $53 | $7 |
| Allstate | $54 | $5 |
| GEICO | $55 | $5 |
Cheapest Car Insurance Companies for Full Coverage in College Station
Texas Farm Bureau offers the cheapest full coverage car insurance in College Station at $57 per month. For more options, check out the list of providers below.
| Texas Farm Bureau | $57 | $66 |
| State Farm | $73 | $50 |
| Progressive | $89 | $34 |
| GEICO | $97 | $26 |
| AAA Texas | $98 | $24 |
| Mercury | $108 | $15 |
| Allstate | $111 | $12 |
| National General | $117 | $6 |
Car Insurance Companies in College Station
Texas Farm Bureau offers the cheapest car insurance in College Station at $499 annually. Chubb, with a MoneyGeek score of 90 out of 100, is the best cheap provider. Check the table below for more options.
| Chubb | 90 | $1,196 |
| Foremost | 76 | $1,328 |
| Mercury | 76 | $839 |
| State Farm | 75 | $631 |
| AAA Texas | 73 | $881 |
| Texas Farm Bureau | 73 | $499 |
| Progressive | 65 | $813 |
| GEICO | 64 | $912 |
| Nationwide | 63 | $1,337 |
| Allstate | 61 | $994 |
| National General | 51 | $1,023 |
| Dairyland | No Data | $2,698 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in College Station by Age
Middle-aged drivers and younger seniors pay College Station's lowest car insurance rates, averaging $1,475 per year for 40-year-olds and $1,414 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $2,939 | $-504 |
| 17 | $2,826 | $-391 |
| 18 | $2,471 | $-36 |
| 19 | $2,105 | $330 |
| 20 | $2,207 | $228 |
| 21 | $1,625 | $810 |
| 22 | $1,633 | $802 |
| 23 | $1,693 | $742 |
| 24 | $1,588 | $847 |
| 25 | $1,917 | $-76 |
| 40 | $1,475 | $366 |
| 65 | $1,414 | $427 |
Cheapest Car Insurance for Teens in College Station
Nationwide offers the cheapest overall car insurance for teens in College Station at $121 per month for full coverage, saving $94 compared to the state average. The table below lists some of the most affordable providers for this age group.
| Nationwide | $121 | $94 | $302 |
| State Farm | $134 | $81 | $179 |
| GEICO | $155 | $61 | $188 |
| Progressive | $246 | $-30 | $661 |
| Foremost | $251 | $-36 | $540 |
| Allstate | $386 | $-170 | $389 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in College Station
Texas Farm Bureau offers the lowest monthly rates for young drivers in College Station: $34 for minimum coverage and $70 for full coverage. The table below compares low-cost options across different driver profiles.
| Texas Farm Bureau | Minimum Coverage | $34 |
| Texas Farm Bureau | Full Coverage | $70 |
| Texas Farm Bureau | Bad Credit | $113 |
| Progressive | Drivers With a DUI | $95 |
| State Farm | Drivers With an Accident | $81 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $52 |
Cheapest Car Insurance Companies for Young Drivers in College Station
Texas Farm Bureau offers the most affordable auto insurance for young drivers in College Station at $52 per month. The table below shows other companies with competitive rates.
| Texas Farm Bureau | $52 | $67 |
| State Farm | $67 | $52 |
| Progressive | $85 | $34 |
| GEICO | $88 | $31 |
| AAA Texas | $94 | $25 |
| Mercury | $96 | $23 |
| Allstate | $108 | $11 |
| National General | $109 | $10 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in College Station
Texas Farm Bureau and State Farm offer the most affordable car insurance for seniors in College Station, but rates vary by driving record and other factors. The table below shows the cheapest providers for different driver and coverage profiles.
| Texas Farm Bureau | Minimum Coverage | $23 |
| Texas Farm Bureau | Full Coverage | $47 |
| Texas Farm Bureau | Bad Credit | $76 |
| Texas Farm Bureau | Drivers With a DUI | $73 |
| State Farm | Drivers With an Accident | $61 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $35 |
Cheapest Car Insurance for Seniors in College Station
Texas Farm Bureau offers the cheapest monthly premium for seniors, $35, for minimum and full coverage policies. State Farm follows at $48. The table below shows the top car insurance providers for seniors in College Station.
| Texas Farm Bureau | $35 | $54 |
| State Farm | $48 | $41 |
| Progressive | $69 | $21 |
| Mercury | $73 | $16 |
| AAA Texas | $74 | $15 |
| GEICO | $76 | $13 |
| Allstate | $80 | $9 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in College Station
College Station's high-risk drivers find cheaper rates for minimum coverage at $1,043 and full coverage at $2,090, compared to the state averages of $1,190 and $2,417. Drivers with bad credit or DUIs pay the most for car insurance, while accidents and speeding tickets have a lesser effect on rates.
| State Average | $1,190 | $2,417 |
| College Station Average | $1,043 | $2,090 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a speeding ticket, stay on your record for a few years. For serious offenses, like a DUI, insurers may consider them longer, and you might need to file an SR-22 to meet Texas' minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in College Station
Mercury offers the cheapest minimum coverage for drivers with a DUI in College Station at $535 annually. Progressive provides the most affordable full coverage at $1,270. Check out the table below for more low-cost options.
| Mercury | $45 | $144 |
| Progressive | $50 | $106 |
| Texas Farm Bureau | $60 | $112 |
| State Farm | $63 | $131 |
| National General | $67 | $139 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in College Station
State Farm, Texas Farm Bureau and Mercury offer the cheapest auto insurance after an at-fault accident in College Station. The table below shows various providers offering affordable coverage.
| State Farm | $42 | $90 |
| Texas Farm Bureau | $45 | $94 |
| Mercury | $67 | $215 |
| Progressive | $70 | $146 |
| AAA Texas | $72 | $142 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in College Station
Texas Farm Bureau is the cheapest car insurance provider for drivers with speeding tickets in College Station, with monthly rates of $26 for minimum coverage and $57 for full coverage. Check the table below to see how much other providers charge drivers with speeding tickets.
| Texas Farm Bureau | $26 | $57 |
| State Farm | $32 | $73 |
| Mercury | $46 | $154 |
| Progressive | $54 | $115 |
| Allstate | $54 | $111 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in College Station
In College Station, Mercury offers the most affordable rates for drivers with bad credit at $45 for minimum coverage. Texas Farm Bureau provides the lowest full coverage rate at $126. See the table below for other budget-friendly options.
| Mercury | $45 | $162 |
| Texas Farm Bureau | $55 | $126 |
| Progressive | $71 | $156 |
| AAA Texas | $75 | $152 |
| Allstate | $80 | $168 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in College Station, TX
Texas mandates that each city follows statewide car insurance minimums. Your policy must include at least:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
For example, if you're in a fender bender, your insurance covers up to $25,000 in property damage, ensuring you meet legal requirements without financial strain.
Cheap Car Insurance in College Station: Bottom Line
Texas Farm Bureau offers the cheapest car insurance in College Station, with minimum coverage at $26 and full coverage at $57. Affordable options are available for all ages and credit histories. Ensure your policy meets Texas’ mandatory coverage requirements. Compare providers to find budget-friendly rates that keep you covered and compliant with state law.
College Station Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in College Station.
What is the cheapest car insurance company in College Station, TX?
Texas Farm Bureau offers the cheapest car insurance in College Station, Texas, with rates as low as $26 per month, saving drivers about $33 monthly.
What is the best car insurance company in College Station, TX?
Chubb is the best car insurance company in College Station, Texas, with a MoneyGeek score of 90 out of 100 and an annual premium of $1,196 for minimum coverage.
How much does car insurance cost on average in College Station, TX?
Average monthly car insurance costs in College Station range from $60 for seniors to $104 for drivers with bad credit for minimum coverage.
Best Cheap Car Insurance in College Station: Our Methodology
MoneyGeek analyzed College Station auto insurance prices using the Texas Department of Insurance and Quadrant Information Services data.
College Station Driver Profile
To assess the best and most affordable auto insurance options for College Station residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in College Station
In assessing the car insurance quotes for College Station, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Texas' minimum coverage requirements:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in College Station
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in College Station for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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's also a 5-time Jeopardy champion!
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.