College Station drivers pay an average of $2,688/year — $917 more than the national average. With 1,486 crashes per year and a 2.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $972/year.
(888) 217-6781Estimated full coverage auto insurance rates for College Station, TX from top carriers. Rates are adjusted for College Station's 1,486 annual crashes, 2.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $894 | $149/mo |
| GEICO | $1,019 | $170/mo |
| Progressive | $1,150 | $192/mo |
| State Farm | $1,256 | $209/mo |
| Allstate | $1,532 | $255/mo |
Estimates based on 2026 rate filings for ZIP 77843. USAA is cheapest at ~$149/mo. Actual rates vary by driver profile and exact College Station location.
These College Station-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving College Station, TX. Takes under 2 minutes.
(888) 217-6781College Station is a mid-size city in Texas with a population of 120,511. While it avoids the extreme congestion of larger metros, College Station has its own risk factors — growing commuter traffic, expanding development, and hurricanes, tornadoes, hail, flooding, extreme heat — that shape local auto insurance rates. Drivers in College Station typically pay close to the Texas state average, with significant variation by ZIP code and neighborhood.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within College Station can swing your premium by hundreds of dollars. Here's how rates compare across College Station neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 77846 | College Station South Side | $2,506/yr | $209/mo |
| 77847 | College Station North Side | $2,628/yr | $219/mo |
| 77851 | College Station West Side | $2,669/yr | $222/mo |
| 77853 | College Station East Side | $2,698/yr | $225/mo |
| 77843 | College Station Downtown/Central | $2,950/yr | $246/mo |
The cheapest ZIP is 77846 (College Station South Side) at $2,506/yr. The most expensive is 77843 (College Station Downtown/Central) at $2,950/yr — a $444/year difference for the same driver.
Your College Station ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in College Station. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,645/yr | $470/mo | +110% vs avg |
| Young Adult (20-25) | $3,763/yr | $314/mo | +40% vs avg |
| Adult (26-35) | $2,688/yr | $224/mo | 0% vs avg |
| Mid-Career (36-50) | $2,365/yr | $197/mo | -12% vs avg |
| Senior (51-65) | $2,231/yr | $186/mo | -17% vs avg |
| 65+ | $2,392/yr | $199/mo | -11% vs avg |
Teens in College Station pay an average of $5,645/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,231/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
College Station drivers can save up to $972/year. ZIP 77846 (College Station South Side) has the lowest rates starting at $2,506/yr.
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