According to Bankrate’s 2021 study on annual premiums, the average cost of car insurance in College Station is $469 for a minimum coverage policy. A full coverage policy costs $1,584 more. To protect themselves financially and legally in the event that an accident occurs, every driver in College Station must have minimum coverage.
In Texas, nearly 16 million drivers were registered as of 2015. Hundreds of Texas car insurance companies provide coverage for College Station drivers. We compared the top providers in College Station using criteria such as average premium, coverage options and third-party ratings to find the best car insurance.
The best car insurance companies in College Station
Our research has shown that Allstate, USAA, State Farm, and Geico are the top-rated car insurance companies in College Station. These four providers are distinguished by their lower-than-average rates, as determined from Quadrant Information Services. They also offer generous discounts and reliable coverage.
Geico is a great choice for those who are looking for the best car insurance company in College Station. Geico’s average full coverage rate is $500 lower than the average rate in the entire city. Geico also offers many discounts including savings for military personnel and federal employees, emergency deployment and employee groups, and safety features in your car.
USAA is consistently rated among the best-rated insurance companies in the market. However, you need to be an active duty military service member or retired military serviceman to qualify for coverage. USAA is known for providing excellent customer service, great discounts, and flexible payment options. According to the company drivers can save on average $725 each year by switching to USAA from another provider.
State Farm has over 16% market share and is the most popular car insurance provider in the United States. This is the preferred choice for College Station drivers looking for an affordable rate and multiple discounts. State Farm offers two safe driver reward programs. One is for drivers under 25 years old. You can also save by bundling your policies and achieving good grades.
Allstate is a good choice for drivers who wish to add endorsements to their car insurance policy. For additional protection, you can add sound system insurance and roadside assistance to your policy. Allstate also offers discounts for smart students and responsible payers.
College Station has the lowest car insurance
The average Texas rate for car insurance is lower in College Station than it is elsewhere in Texas. The average cost for car insurance in Texas amounts to $1,823 annually. The average American pays less for auto insurance in College Station than they do elsewhere. The average US rate is $1674/year.
Although they offer lower rates than the average, College Station’s cheapest car insurance companies have their pros and cons. Below is a table that shows the lowest car insurance rates in College Station, based on market share.
These providers may offer the lowest rates in College Station but the cheapest auto insurance companies have unique offerings. To be eligible for insurance through USAA, you will need to be a member of the military. There are no eligibility requirements for any of the providers above.
These providers offer a variety of coverage options. Allstate and Nationwide have most endorsements. USAA, Geico, and State Farm offer more limited coverage. You may also find different discounts offered by these companies. It might be worthwhile to compare savings opportunities to determine which company offers the best discounts.
Insurance requirements for College Station
Drivers in College Station must have at least 30/60/25 coverage. This includes personal liability coverages.
- $30,000 per person in bodily injury liability insurance
- $60,000 per accident in bodily injury liability coverage
- $25,000 per accident in property damage liability coverage
You could choose a policy that provides the minimum coverage to get the lowest car insurance in Texas. Insurance agents don’t recommend that you get the minimum coverage. Insurance agents will likely not recommend that you get minimum coverage. This could mean that your policy does not cover all costs associated with an accident. Although full coverage will not cover all costs of an accident it will reduce your out-of-pocket expenses.
You will also need to have full coverage insurance if you finance or lease your car from a lender. Full coverage insurance policies include liability insurance as well as collision, comprehensive, and medical payments coverage.
College Station: Get car insurance at a discount
Many car insurance companies in College Station offer discounts that could help you obtain a lower rate. Each insurance company offers different discounts. Some of the most popular in College Station are:
- Discount for policy bundling: Bundling car, home, renter or condo insurance with one insurance provider can often result in significant savings.
- Student discount for good students: Students in high school or college who meet the GPA requirements set by providers and generally receive excellent grades can often qualify for a discount.
- Vehicle safety discount: Insurance rates are often lower for vehicles that have certain safety features like collision warning systems or anti-lock brakes.
- Discount on defensive driving courses: Sometimes, taking a driver safety course or approved defensive driving course can help you to get a lower premium.
Remember that car insurance discounts can result in savings that are not as obvious. You can save as much as 17% by using the State Farm policy bundle discount. However, the same discount with USAA is only 10%. Consider comparing car insurance providers to find the best deals for your needs.
Questions frequently asked
Which is the best auto insurance company?
Each driver will likely find the best car insurance company for them. It all depends on where you live, how much coverage you need, what type of car and budget.
What amount of car insurance do you need in College Station
College Station drivers must have personal liability insurance that covers at least 30/60/25. Insurance experts recommend increasing your coverage to provide more protection.