Best cheap car insurance in College Station for 2021

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The average annual cost of car insurance in College Station, Texas, is $469 for a minimum coverage policy and $1,584 for a full coverage policy, according to Bankrate’s 2021 study of quoted annual premiums. Every driver in College Station is required to carry a minimum amount of car insurance to protect themselves both legally and financially in the event of an at-fault accident.

As of 2015, there were nearly 16 million drivers in the Lone Star State, and dozens of Texas car insurance companies serve drivers in College Station. To find the best car insurance in College Station, we compared some of the largest providers by market share using criteria like average premium, coverage options, discounts and third-party ratings.

Best car insurance companies in College Station

Based on our research, some of the best car insurance companies in College Station are Geico, USAA, State Farm and Allstate. These four providers stand out for their below-average rates — as gathered from Quadrant Information Services — reliable coverage and generous discounts.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Geico 832 / 1,000 $353 $1,094
USAA *879 / 1,000 $346 $1,160
State Farm 838 / 1,000 $494 $1,271
Allstate 836 / 1,000 $460 $1,372

*Due to membership eligibility restrictions, USAA is considered rank-ineligible by J.D. Power.

Geico

Geico could be one of the best car insurance companies in College Station for drivers looking for the lowest rate possible. Geico’s average rate for full coverage insurance is nearly $500 less than the citywide average rate. In addition, Geico offers lots of discounts, including savings for military personnel, federal employees, emergency deployment, employee and membership groups and having safety features in your vehicle.

Learn more: Geico Insurance review

USAA

USAA is consistently rated as one of the top-rated insurance companies on the market, but you must be active duty or retired military service member in order to get coverage. USAA is well known for its great customer service, good discounts and flexible payment plans. According to the company, drivers save an average of $725 per year when they switch from another provider to USAA.

Learn more: USAA Insurance review

State Farm

With more than 16% of the total market share, State Farm is the largest car insurance provider in the country. It is a popular choice among College Station drivers who are looking for an affordable rate and want to take advantage of multiple discounts. State Farm has two safe driver rewards programs, including one for drivers under 25, as well as savings for bundling your policies, having no accidents on your record and getting good grades in school.

Learn more: State Farm Insurance review

Allstate

Drivers who want to build out their car insurance policy with endorsements may want to consider Allstate. You can add sound system insurance, roadside assistance, accident forgiveness, rental car reimbursement coverage or new car replacement coverage for more protection. In addition, Allstate offers a variety of discounts, including savings for smart students, responsible payers, insuring a new vehicle and buying a policy at least one week before it takes effect.

Learn more: Allstate Insurance review

Cheapest car insurance in College Station

Car insurance in College Station is much cheaper than the average rate in Texas. Comparatively, the average cost of car insurance in Texas is $1,823 per year. Additionally, College Station drivers pay less for auto insurance than the average American. The average rate in the United States is $1,674 per year.

The cheapest car insurance companies in College Station offer below-average rates, but they each have pros and cons. The table below includes the cheapest car insurance rates in College Station from the most popular carriers based on market share.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $346 $1,160
Geico $353 $1,094
Nationwide $448 $1,174
Allstate $460 $1,372
State Farm $494 $1,271

Although these providers offer the lowest rates in College Station, the cheapest car insurance companies are unique in each of their offerings. For example, you must be affiliated with the military in order to get insurance through USAA. None of the other providers listed above have eligibility requirements.

In terms of coverage options, these providers vary. Allstate and Nationwide have the most endorsements, whereas USAA, Geico and State Farm have more limited coverage. These companies also offer different discounts, so it could be a good idea to compare saving opportunities to see which one has the most discounts you can qualify for.

College Station insurance requirements

In College Station, drivers are required to carry at least 30/60/25 coverage, which includes the following personal liability coverages:

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

To get the cheapest car insurance in Texas, you could opt for a policy with the minimum amount of coverage required. However, getting the bare minimum coverage is typically not recommended by insurance agents. It is likely that a minimum coverage policy will not cover the full cost of an accident, which could leave you financially responsible for a portion of the cost. While full coverage does not guarantee coverage for the total cost of an accident, it will likely reduce out-of-pocket costs.

Additionally, if you lease or finance your car with a lender, you will likely have to carry full coverage insurance until your loan is repaid. A full coverage insurance policy includes liability insurance, plus collision, comprehensive and medical payments coverage.

Car insurance discounts in College Station

Most car insurance companies in College Station offer discount opportunities that can help you get a lower rate. Every insurance company offers unique discounts, but some of the most common ones in College Station include:

  • Policy bundling discount: Drivers who bundle their car and home, renters or condo insurance with the same insurance provider can often earn significant savings.
  • Good student discount: High school and college students who meet a GPA requirement set by providers or generally get good grades in school can usually qualify for a discount.
  • Vehicle safety discount: Vehicles that are equipped with certain safety features, like anti-lock brakes or collision warning systems, are usually cheaper to insure.
  • Defensive driving course discount: Taking an approved defensive driving course or other driver safety training course can sometimes help you get a cheaper premium.

Keep in mind that the actual savings associated with car insurance discounts will vary. For instance, you can save up to 17% with State Farm’s policy bundling discount, but the same discount with USAA will only save you 10%. When comparing car insurance providers, consider looking for companies that offer the biggest savings for the specific discounts you can take advantage of.

Frequently asked questions

What is the best car insurance company?

Every driver is likely to find a different car insurance company that is the best for them. In most cases, it depends on where you live, the type of car you drive, what kind of coverage you need, which discounts you qualify for, your budget and more.

How much car insurance do I need in College Station?

Drivers in College Station are required to carry a minimum of 30/60/25 personal liability insurance. However, insurance experts recommend considering increasing your coverage limits for more protection.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Insurance Editor