policy in College Station, TX costs about $85 per month, while liability-only coverage averages about $33 monthly. While this is lower than the average cost of insurance in

Texas

, working with an insurance broker is the best way to ensure you get the best coverage at the best price.

How much does car insurance cost in Texas?

Jerry

has helped thousands of drivers in the Lone Star State find affordable coverage, and here’s what we’ve learned in the process:

Texas drivers pay an average of $1,565 per year or $130 per month for full coverage. A liability-only policy averages about $636 per year and $53 per month.

Drivers in College Station pay about 14% less than the statewide average—$1,345 annually or $112 monthly for full coverage and $554 per year or about $46 per month for liability coverage.

You may save a few hundred dollars upfront by opting for
minimum coverage
, but it could wind up costing you thousands in the long run. Texas’s minimum coverage requirements don’t include high enough property damage and bodily injury liability limits to ensure you’re financially and legally protected if you cause a serious accident—and they include no provisions to pay for damage to your own vehicle.
To make sure both you and your car are fully protected in case of an accident, you’ll need a
full coverage car insurance policy
.

Texans pay significantly less than the

national average for car insurance

, but, like drivers across the country, they, too, have seen record premium increases over the last few years. One of the main culprits driving increases is natural disasters.

Texas has the dubious honor of being ranked first in the nation for frequency and variety of natural disasters. 1 This coupled with nationwide post-pandemic economic stresses and increased vehicle repair costs have led to a 26% increase in insurance costs in the last two years. 2

Learn more:

Texas car insurance laws: How much coverage do I need?

The best car insurance companies in College Station

No single car insurance company will be the cheapest option for every driver or fit every driver’s insurance needs. The primary reason is that every customer gets different

car insurance quotes

based on their profile—so the most affordable company differs for everyone.

Jerry conducted the largest insurance survey in the country to help drivers better compare the cheapest car insurance companies. While big-name carriers like

GEICO

and

State Farm

got mixed reviews for policy cost and customer service, smaller insurers like

Aspire Advantage

and

National General

came through with the highest ratings from actual customers.

How to find cheap car insurance quotes in College Station, TX

Drivers in College Station have the benefit of low accident rates 3 to help keep insurance down—but comparing car insurance quotes with

Jerry

can help you ensure you get the lowest rates possible without sacrificing coverage quality.

All you need to do is:

Enter your information in the Jerry app.. We’ll ask for basic information insurers need to generate quotes, like your name, address, and vehicle identification number (VIN). We’ll also ask about your

credit score

and driving history.

Compare coverage levels and pricing.

Once your profile is complete, you’ll receive a list of quotes from carriers in your area.

Your list will include insurance options for everything from bare-minimum coverage to robust full-coverage policies with added optional insurance products like rental reimbursement and roadside assistance.

3. Select the quote you like best. Click “Confirm your rate” on the quote you like best, and we’ll finalize your quote with the provider you’ve selected.

4. Make your first payment to activate coverage. With your price finalized, enter your payment information to purchase coverage and bind your policy—no need to leave the app.

“First of all! Thank you! I’ve struggled for a year with insurance companies! Always trying to up my monthly premium, when my driving record is clean. Thank youuuu Jerry for giving me the opportunity to insure with you! Insurance is so expensive in Texas and you have absolutely made it affordable for me at this time! By the way! Thank youuuu for the FAST response! God bless yay!” - Delia, College Station, TX

How to save on car insurance in College Station

If you’re not getting quoted for the affordable coverage you want, or you just want to see just how cheap your insurance can get, here are some tips to help lower your policy costs.

Bundle your policies: Whether you own your home or rent, Jerry can help you

bundle your auto and homeowners

insurance or renters insurance policies.

Take advantage of discounts: Many insurers offer a variety of discounts to help make coverage more cost effective. Be sure to check out which

car insurance discounts

you may be eligible for.

Raise your deductible: The higher the deductibles on your collision and comprehensive insurance, the less you’ll pay for your policy. Most insurance companies will allow you to set your

car insurance deductible

as high as $1,000, although you may be able to request a higher deductible.

Improve your driving: The fewer at-fault accidents and tickets you have on your driving record, the less you’ll usually pay for car insurance coverage. If you have the Jerry app on your phone, you can get a free safe driving score and tips to improve!

Reshop often: Car insurance rates change often as companies rewrite their rating guidelines and your own profile changes. The Jerry app can automatically check for the best rates whenever you might be eligible for savings.

Methodology

All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states.

Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle.

Minimum coverage refers to policies with the following coverage limits:

$30,000 of bodily injury liability coverage per person

$60,000 of bodily injury liability coverage per accident

$25,000 of property damage liability coverage

Full coverage refers to policies that contain at least the minimum liability required by law in Texas along with comprehensive and collision insurance with deductibles of either $500 or $1,000.

All quotes shown in this article are real Texas auto insurance quotes obtained through the Jerry app using the following profile:

Drivers: 32-year-old male and 31-year-old female drivers, married

Driving record: Clean

Vehicle: 2020 Toyota Corolla SE, driven 35 miles daily

Location: College Station, TX 77845

FAQs

Who typically has the cheapest car insurance?

No one car insurance company offers the cheapest rate for every driver. The primary reason is that every customer gets different car insurance quotes based on their profile—so the most affordable company differs for everyone.

How much is car insurance per month in Texas?

Texas drivers pay an average of $1,565 per year or $130 per month for full coverage. A liability-only policy averages about $636 per year and $53 per month.

What is the average cost of car insurance in College Station?

Drivers in College Station pay about 14% less than the statewide average—$1,345 annually or $112 monthly for full coverage and $554 per year or about $46 per month for liability coverage.

Is car insurance cheaper in College Station?

College Station car insurance rates tend to run about 14% cheaper than average rates in the rest of Texas.

Should I shop around for cheaper car insurance?

You should absolutely shop around for cheaper car insurance. Comparing quotes from multiple insurance providers is the best way to ensure you’re getting the best rate based on your driving profile.

What is the average car insurance cost?

As of December 2023, a full coverage car insurance policy costs drivers an average of $1,790 per year.

At what age is car insurance cheapest?

Drivers between the ages of 45 and 70 usually enjoy the lowest rates on auto insurance coverage.

How can I lower my car insurance in Texas?

A few things you can do to

lower your Texas car insurance rates

, take advantage of discounts, adjust your policy deductibles, and reshop your policy at each renewal.

What is the cheapest car insurance company in College Station, TX?

No one car insurance company is the right fit for every driver. The primary reason is that every customer gets different car insurance quotes based on their profile—so the most affordable company differs for everyone.

Does credit score affect car insurance?

In most states, including Texas, your

credit score

does influence your car insurance rates. If you live in Hawaii, Massachusetts, California, or Michigan, your credit score cannot be taken into account when calculating your car insurance premiums.

Why is auto insurance so high in Texas?

A key factor driving up Texas’s auto insurance policy rates is the frequency and variety of natural disasters that can lead to high-dollar comprehensive coverage claims.

Is $300 a lot for car insurance?

Arguably, yes, $300 is quite a bit to pay for car insurance. The national average for auto insurance rates is about $150 per month, so if you're paying $300 per month for insurance coverage, Jerry may be able to help you find a lower rate with another provider.

Sources

https://nisar.jpl.nasa.gov/documents/7/NISAR_Applications_Hazards_Texas.pdf

https://getjerry.com/studies/soaring-car-insurance-forces-half-of-americans-to-cut-spending#key-insights

https://ftp.txdot.gov/pub/txdot-info/trf/crash_statistics/2022/13.pdf

Meet our experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.