Find Car Insurance in College Station, TX

What You Should Know About Car Insurance in College Station, Texas

Located in Brazos County, Texas, College Station is a major city located roughly 83 miles northwest of Houston. It is best known as the home of Texas A&M University, which triples as a land-, sea-, and space-grant college. The school is known for everything from athletics to research.

The city itself owes its name to the university, which predates it. The name was first used to describe the train station along the Houston and Texas Central Railway, which was built to accommodate students. The city grew up around the railway and the school itself.

If you call College Station home, it is important to protect yourself every time you get behind the wheel. The right auto insurance policy could cover your damages in a crash or protect you from claims made by the other driver.

How Much Does Car Insurance Cost in College Station, Texas?

When it comes to buying insurance in College Station, you have options. The state requires you to carry a minimum amount of liability coverage, but beyond that, you can choose what coverage is right for you. That might include a higher level of liability coverage or a policy that makes sure your damages are paid even if you are at fault in an accident. The trade-off is that policies that pay more will generally cost more in premiums each month.

In general, Texans pay $2,426 annually for full coverage auto insurance, compared to $693 for minimum liability coverage each year. The cost of a policy in College Station is less than the state average. In College Station, liability-only policies work out to around $504 annually, while full coverage costs around $1,704.

These amounts are similar to the national average. As it relates to full auto coverage, Texans pay a little more than the national average of $2,314. The cost of minimum liability coverage is also above the $644 per year that drivers must pay nationally.

At InsureOne, we can help you review your options and find the liability insurance that fits your needs. Our agents can also offer multiple policies that fit within your budget.

What Does It Mean If College Station, Texas, Is a No-Fault/At-Fault State?

Texas is an at-fault state. That means if you are involved in an accident and the other driver is responsible, you have the right to file a lawsuit against them to recover your physical, financial, and emotional losses. If the other driver has liability coverage, their insurance carrier could ultimately settle the claim with you.

In a no-fault state, you are expected to seek compensation through your own policy, no matter who is at fault. The downside to this approach is that this coverage usually offers less compensation than a successful personal injury lawsuit.

Car Insurance Rates Comparison by City in Texas

Below is a comparison of the average monthly premiums paid in various cities across Texas.

City	Full Coverage Insurance	Liability Insurance Coverage
College Station	$180	$121
Houston	$206	$124
Spring	$181	$116
Lewisville	$156	$111
Weatherford	$150	$111

What Types of Car Insurance Discounts Are Available in College Station?

If you really want to maximize your savings on your auto policy, it is important that you take advantage of as many discounts as possible. Some of the discounts that InsureOne offers include the following:

• Safe Driver Discount
• Student Discount
• Green Discount
• Veteran Discount
• Loyalty Discount
• Multi-vehicle Discount

Notable Car Insurance Laws in College Station

Like all states, Texas requires drivers to maintain a minimum amount of auto liability insurance. Drivers who fail to do so can face monetary penalties in addition to the risk of being saddled with the cost of repairs after an accident.

What Are the Mandatory Car Insurance Requirements in College Station?

Texas law sets out the minimum amount of liability insurance coverage drivers must have every time they get behind the wheel. This represents the minimum required by law, but many drivers choose to purchase more protection:

• $30,000 for bodily injuries per person
• $60,000 for bodily injuries per accident
• $25,000 for property damage per accident

What Is the Penalty for Driving Without Insurance in College Station?

You can face costly consequences in Texas if you drive without auto coverage — motorists in College Station without the minimum liability insurance risk being ticketed and fined. If convicted, you will pay a one-time fine of $350 for your first offense. Second and subsequent offenses carry a penalty capped at $1,000. The good news is there is no risk of jail time.

The expert agents at InsureOne can ensure you get a policy that complies with state law and protects you in case of a collision.

Do College Station-Specific Laws Play a Role in Determining Your Insurance Premiums?

For the most part, city regulations and ordinances will not play a role in determining your insurance premiums. That said, there are many other factors that can. Some common examples include the following:

• Your age. Younger drivers, particularly teenagers, face the highest cost of car insurance. As you get older, those costs go down.
• The type of car you drive. Some cars — like sports cars — are considered a higher risk than others.
• Your education. Your education level can have an impact on what you pay for car insurance.
• Your zip code. If there are a lot of accidents in the zip code where you live, you may pay more for your auto insurance.

What’s the Best Car Insurance for Teenagers and Their Family in Texas?

Because they are at a higher risk of being in an accident than most motorists, teenagers benefit from full coverage auto insurance policies. While the premiums are higher, this coverage ensures that if the teenager in your life is in a wreck, the insurance company will be there to cover the costs.

The benefit of full coverage is that it will pay for more than just the claims by the other driver. It will also cover damage to your family vehicle, even if the teen driver was at fault.

How Many Car Accidents Happen in College Station Per Year?

There were a total of 1,378 vehicle accidents in College Station in 2023. Here is a comparison of annual College Station fatal accidents to other cities in Texas in 2023:

City	Annual Average Number of Fatal Car Crashes
College Station	4
Dallas	205
Allen	2
Abilene	7
Austin	88

 

How Many Uninsured/Underinsured Motorists Are in College Station?

Texas is known for its large number of uninsured and underinsured drivers. According to the Texas Department of Motor Vehicles, one out of every five motorists on the road lacks any coverage whatsoever. That figure does not take into account underinsured drivers, which can also leave you paying for your accident out of your own pocket.