Best Cheap Auto Insurance In College Station For 2021
The average annual cost of auto insurance in College Station, Texas is $ 469 for a minimum coverage policy and $ 1,584 for a full coverage policy, according to Bankrate’s 2021 Annual Quoted Premiums Study. . Every College Station driver is required to purchase a minimum amount of auto insurance to protect themselves legally and financially in the event of a responsible accident.
In 2015, there were nearly 16 million drivers in Lone Star State, and dozens of Texas auto insurance companies serve drivers at College Station. To find the best auto insurance in College Station, we compared some of the top providers by market share using criteria such as average premium, coverage options, discounts, and third party ratings.
Best Auto Insurance Companies in College Station
Based on our research, some of the best auto insurance companies in College Station are Geico, USAA, State Farm, and Allstate. These four providers are distinguished by their below-average rates – as collected by Quadrant Information Services – reliable coverage and generous discounts.
|Insurance company||JD Power Score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||832 / 1,000||$ 353||$ 1,094|
|United States||* 879 / 1,000||$ 346||$ 1,160|
|State farm||838 / 1,000||$ 494||$ 1,271|
|Allstate||836 / 1,000||$ 460||$ 1,372|
* Due to membership eligibility restrictions, USAA is considered ineligible by JD Power.
Geico might be one of the best auto insurance companies in College Station for drivers looking for the lowest possible rate. Geico’s average rate for full coverage insurance is almost $ 500 lower than the city’s average rate. Plus, Geico offers many discounts, including savings for military personnel, federal employees, emergency deployments, employee and member groups, and having security features in your vehicle.
Learn more: Geico Assurance review
USAA is consistently ranked as one of the top rated insurance companies in the market, but you must be on active duty or retired military service to obtain coverage. USAA is well known for its excellent customer service, great discounts, and flexible payment plans. According to the company, drivers save an average of $ 725 per year when they switch from another supplier to USAA.
Learn more: USAA Insurance Review
With over 16% of the total market share, State Farm is the nation’s largest auto insurance provider. It is a popular choice among College Station drivers who are looking for an affordable rate and want to take advantage of several discounts. State Farm offers two reward programs for safe drivers, including one for drivers under 25, as well as savings to consolidate your policies, have no accidents on your record, and earn good grades in school.
Learn more: State agricultural insurance review
Drivers who wish to expand their auto insurance policy with endorsements can consider Allstate. You can add audio system insurance, roadside assistance, accident remission, rental car reimbursement coverage, or new car replacement coverage for added protection. Plus, Allstate offers a variety of discounts, including savings for smart students, responsible payers, insuring a new vehicle, and purchasing a policy at least a week before it goes into effect.
Learn more: Allstate Insurance Review
The cheapest auto insurance in College Station
Auto insurance in College Station is much cheaper than the average rate in Texas. In comparison, the average cost of auto insurance in Texas is $ 1,823 per year. Plus, College Station drivers pay less for auto insurance than the average American. The average rate in the United States is $ 1,674 per year.
The cheapest auto insurance companies in College Station have lower than average rates, but they each have their pros and cons. The table below includes the cheapest auto insurance rates in College Station from the most popular carriers based on market share.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|United States||$ 346||$ 1,160|
|Geico||$ 353||$ 1,094|
|At national scale||$ 448||$ 1,174|
|Allstate||$ 460||$ 1,372|
|State farm||$ 494||$ 1,271|
While these providers offer the lowest rates in College Station, the cheapest auto insurance companies are unique in each of their offerings. For example, you must be affiliated with the military to obtain insurance from the USAA. None of the other providers listed above have any eligibility requirements.
In terms of coverage options, these providers vary. Allstate and Nationwide have the most mentions, while USAA, Geico, and State Farm have more limited coverage. These companies also offer different discounts, so it may be a good idea to compare the savings opportunities to see which offers the most discounts you can qualify for.
Insurance requirements for the university station
At College Station, drivers are required to have at least 30/60/25 coverage, which includes the following liability coverages:
- $ 30,000 in bodily injury liability coverage per person
- $ 60,000 in liability insurance for bodily injury per accident
- $ 25,000 in liability insurance for property damage per accident
To get the cheapest auto insurance in Texas, you can opt for a policy with the minimum amount of coverage required. However, obtaining the minimum coverage is generally not recommended by insurance agents. It’s likely that a minimum coverage policy won’t cover the full cost of an accident, which could leave you financially responsible for part of the cost. While comprehensive coverage does not guarantee coverage for the full cost of an accident, it will likely reduce out-of-pocket expenses.
Also, if you lease or finance your car with a lender, you will likely need to purchase full insurance until your loan is paid off. A full coverage insurance policy includes liability insurance, as well as collision, all perils and medical expense coverage.
Auto Insurance Discounts at College Station
Most of the auto insurance companies in College Station offer discount opportunities that can help you get a lower rate. Each insurance company offers unique discounts, but some of the most common in College Station include:
- Policy bundle discount: Drivers who bundle their auto and home, tenant or condominium insurance with the same insurer can often achieve significant savings.
- Good student discount: High school and college students who meet a vendor-defined GPA requirement or who typically achieve good grades in school are usually eligible for a discount.
- Vehicle security discount: Vehicles equipped with certain safety features, such as anti-lock brakes or collision warning systems, are generally less expensive to insure.
- Defensive driving course discount: Taking an approved defensive driving course or other driver safety training course can sometimes help you get a cheaper premium.
Keep in mind that the actual savings associated with auto insurance discounts vary. For example, you can save up to 17% with the State Farm policy bundle discount, but the same discount with USAA will only save you 10%. When you compare auto insurance providers, consider researching the companies that offer the greatest savings for the specific discounts you can take advantage of.
Frequently Asked Questions
What is the best auto insurance company?
Each driver is likely to find a different auto insurance company that is best for them. In most cases, it depends on where you live, what type of car you drive, what kind of coverage you need, what discounts you’re eligible for, your budget and more.
How much auto insurance do I need at College Station?
College Station drivers must carry at least 30/60/25 third party liability insurance. However, insurance experts recommend that you consider increasing your coverage limits for more protection.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- Liability for bodily injury of $ 100,000 per person
- $ 300,000 in civil liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.
These are sample rates and should only be used for comparison purposes.