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How much is car insurance in College Station?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in College Station are in line with rates across the rest of Texas.
Likewise, the expected monthly payments for an auto insurance policy in College Station are below the national average. The average monthly payment in College Station is about $18 less than the rate for the rest of the United States.
Keep in mind that while these are the average car insurance rates for College Station, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down the average rate for College Station residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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College Station Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may creep back up a bit in College Station.
College Station Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In College Station, the difference is around $7 per month. As you can see in the table above, female drivers in the area typically pay $58 on average, while female drivers typically pay $65 each month.
College Station Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay significantly less than those with infractions. In College Station, drivers with one accident on their record will experience rates around $80 a month. Likewise, drivers with one ticket will be looking at a rate of around $82 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
College Station Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$59|
As you can see in the first table above, the cheapest vehicles to insure in College Station are typically cars, which run about $60 per month.
Truck and van drivers will see rates of about $67 for insurance coverage, while SUV owners usually pay around $64 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In College Station, vehicles four-to-five years old are the most expensive to insure.
College Station Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Overall, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for College Station as well, where the difference is around $14 a month.
College Station Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
One other element taken into consideration is your housing situation. Renters can expect to pay around $12 a month more than homeowners in College Station. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in College Station, TX
Recent trends in car insurance for College Station drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In College Station, the rates for auto insurance had been decreasing from 2017-2018, but leveled out in 2021. Rates have been increasing since then, and recently reached a high of $72 per month in 2022.
How does College Station compare to neighboring areas?
Why are car insurance rates in College Station different from other areas?
Car insurance companies look at several factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Total drivers
- General road safety (how many accidents each locality has)
- Regional regulations
- Access to off-street parking
- Local crime rates
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in College Station?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in College Station.
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College Station Auto Insurance FAQs
What factors affect car insurance quotes in College Station?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in College Station different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in College Station?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to College Station?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to College Station or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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