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How much is car insurance in College Station?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in College Station is about $4 cheaper than it is in the rest of Texas.
When stacked up against the national average, the average monthly policy payment for College Station is more affordable. On average, it's about $20 less to insure your vehicle in College Station than it is in the rest of the United States.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The monthly premium you'll see 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 average rates for College Station residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may climb back up in College Station.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In College Station, the difference comes out to about $4 per month. Looking at the table above, you can see that female drivers pay around $59 on average, while male drivers typically pay $63 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in College Station with a single accident on their record is about $69 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $67 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$59|
According to the first table above, cars are typically the cheapest vehicles to insure in College Station, with drivers paying around $60 per month for auto insurance coverage.
Truck and van drivers will see rates of about $66, while the rates for SUV owners average out to about $61 a month.
Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in College Station are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Generally speaking, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in College Station can be as much as $17 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor taken into consideration is your living situation. If you rent your home or apartment in College Station, expect to pay around $15 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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 car insurance had been decreasing from 2017-2018, before steadying out in 2019. Rates finished down in 2022, at $54 per month
How does College Station compare to neighboring areas?
Why are car insurance rates in College Station different from other areas?
There are numerous factors car insurance companies take into consideration when deciding how much to charge for coverage. The specifics of your home address will have an impact on your personal policy. This might include things like:
- General road safety (how many accidents each locality has)
- Amount of drivers in the community
- Area crime rates
- Amount of off-street parking
- Area regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in College Station?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in College Station.
College Station Insurance FAQs
What factors affect car insurance quotes in College Station?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in College Station different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in College Station?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to College Station or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.