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Home » Car insurance » Texas » Cheap Car Insurance College Station

Cheap Car Insurance in College Station

Lowest Premium

$316 / YEAR

Average Premium

$495 / YEAR

Highest Premium

$723 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in College Station is around $495 and can go upto $723. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas car insurance law minimum requirement - As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
Topics Covered

Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3466.00% ($1,151,485,019)1
Farmers$3837.98% ($1,530,613,603)2
State Farm$48916.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6678.75% ($1,678,264,745)0

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quotes and compare them before choosing an insurance plan. People save up to 40% on car insurance by doing the comparison shopping.

Car Insurance Rates in College Station by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in College Station. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium

Insurance Agents in College Station, TX and Near by

Agents by ZIP code:
  • 0 mi
    Christine Folkers
    1701 Southwest Pkwy Ste 106, College Station, TX 77840
    (979) 314-1381
  • 0 mi
    Affordable Insurance of Texas
    111 University Dr E Ste 215b, College Station, TX 77840
    (979) 446-0404
  • 0 mi
    Bruce Boyd
    300 University Dr E, College Station, TX 77840
    (979) 693-1683
  • 0 mi
    Wellmann Insurance Agency
    505 University Dr E Ste 603, College Station, TX 77840
    (979) 846-3500
  • 0 mi
    Scott Leigh
    1055 Texas Ave S Ste 106, College Station, TX 77840
    (979) 764-1500
  • 0 mi
    Jim Ross
    400 Tarrow St, College Station, TX 77840
    (979) 260-6500
  • 0 mi
    Julie Sturm
    400 Tarrow St, College Station, TX 77840
    (979) 776-1300
  • 0 mi
    Randy Flasowski
    1001 University Dr E Ste 105, College Station, TX 77840
    (979) 691-2534
  • 0 mi
    Scot Semple
    1621 Texas Ave S, College Station, TX 77840
    (979) 704-3039
  • 0 mi
    Beal & Winn Insurance Agency
    1500 University Dr E Ste 101, College Station, TX 77840
    (979) 268-1500
  • 0 mi
    Michael Derek Kilgore
    913 E Harvey Rd, College Station, TX 77840
    (979) 776-1900
  • 0 mi
    Jerry Anderson - Allstate Insurance Agency
    2214 Texas Ave S, College Station, TX 77840
    (979) 764-0015
  • 0 mi
    Jones & Associates Insurance
    2405 Texas Ave S Ste 302, College Station, TX 77840
    (866) 702-9138
  • 0 mi
    Frank Labarbera
    208 Southwest Pkwy E Ste B, College Station, TX 77840
    (979) 485-0104
  • 0 mi
    Jeff Andrick
    242 Southwest Pkwy E, College Station, TX 77840
    (979) 693-1216
  • 4.4 mi
    Ameritex Insurance Group
    9475 Kemp Rd, College Station, TX 77845
    (979) 777-4843
  • 4.4 mi
    Texas Farm Bureau Insurance
    12815 Fm 2154 Rd Ste 105, College Station, TX 77845
    (979) 693-4100
  • 4.4 mi
    Sam Kuver
    12901 Fm 2154 Rd Ste 100, College Station, TX 77845
    (979) 764-2001
  • 4.4 mi
    Insurors Group
    18201 Windmill Ct, College Station, TX 77845
    (979) 774-2233
  • 4.4 mi
    Goosehead Insurance - Brad Brown
    750 William D Fitch Pkwy Ste 220, College Station, TX 77845
    (979) 220-2413
  • 4.4 mi
    Jeff Hamilton
    4058 State Highway 6 S Ste 100, College Station, TX 77845
    (979) 690-8384
  • 4.4 mi
    Kevin Verdugo
    4058 State Highway 6 S Ste 200, College Station, TX 77845
    (979) 690-8000
  • 4.4 mi
    Liere Insurance
    1604 Copperfield Pkwy Ste 200, College Station, TX 77845
    (979) 776-2300
  • 4.4 mi
    Agency Yu
    2801 Earl Rudder Fwy S, College Station, TX 77845
    (979) 314-1512
  • 4.4 mi
    F B C Insurance Agency
    1808 Brothers Blvd Ste E, College Station, TX 77845
    (979) 694-1808
  • 4.4 mi
    Cole Campbell
    2911 Texas Ave S Ste 102, College Station, TX 77845
    (979) 703-6655
  • 4.4 mi
    Julie Niemann
    1804 Brothers Blvd Ste C, College Station, TX 77845
    (979) 693-9107
  • 4.4 mi
    W E Gibson Insurance
    2752 Longmire Dr, College Station, TX 77845
    (979) 694-1555
  • 4.4 mi
    Ben Camp Insurance Agency
    3205 Earl Rudder Fwy S, College Station, TX 77845
    (979) 764-5955
  • 4.4 mi
    Property Crossing Insurance Agency
    3205 Earl Rudder Fwy S, College Station, TX 77845
    (877) 292-7350
  • 4.4 mi
    Main Street Independent Insurance Agencies
    3800 Sh-6 South Ste 108k, College Station, TX 77845
    (979) 318-5400
  • 4.4 mi
    Dexter & Company
    4030 Highway 6 S Ste 101, College Station, TX 77845
    (979) 764-8444
View all agents ↓

Car Insurance Facts College Station, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.



The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.