The Colony drivers pay an average of $2,406/year — $635 more than the national average. With 586 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $690/year.
(888) 217-6781Estimated full coverage auto insurance rates for The Colony, TX from top carriers. Rates are adjusted for The Colony's 586 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $800 | $133/mo |
| GEICO | $912 | $152/mo |
| Progressive | $1,030 | $172/mo |
| State Farm | $1,125 | $187/mo |
| Allstate | $1,371 | $228/mo |
Estimates based on 2026 rate filings for ZIP 75056. USAA is cheapest at ~$133/mo. Actual rates vary by driver profile and exact The Colony location.
These The Colony-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving The Colony, TX. Takes under 2 minutes.
(888) 217-6781The Colony is a smaller city in Texas with a population of 44,534. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hurricanes, tornadoes, hail, flooding, extreme heat, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in The Colony.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within The Colony can swing your premium by hundreds of dollars. Here's how rates compare across The Colony neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 75065 | The Colony South Side | $2,217/yr | $185/mo |
| 75057 | The Colony North Side | $2,326/yr | $194/mo |
| 75072 | The Colony West Side | $2,358/yr | $197/mo |
| 75060 | The Colony East Side | $2,481/yr | $207/mo |
| 75056 | The Colony Downtown/Central | $2,588/yr | $216/mo |
The cheapest ZIP is 75065 (The Colony South Side) at $2,217/yr. The most expensive is 75056 (The Colony Downtown/Central) at $2,588/yr — a $371/year difference for the same driver.
Your The Colony ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in The Colony. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,053/yr | $421/mo | +110% vs avg |
| Young Adult (20-25) | $3,368/yr | $281/mo | +40% vs avg |
| Adult (26-35) | $2,406/yr | $201/mo | 0% vs avg |
| Mid-Career (36-50) | $2,117/yr | $176/mo | -12% vs avg |
| Senior (51-65) | $1,997/yr | $166/mo | -17% vs avg |
| 65+ | $2,141/yr | $178/mo | -11% vs avg |
Teens in The Colony pay an average of $5,053/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,997/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.
The Colony drivers can save up to $690/year. ZIP 75065 (The Colony South Side) has the lowest rates starting at $2,217/yr.
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