Insurance Costs in College Station, TX
Auto insurance in College Station averages $1,712 per year for full coverage, which is close to the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in College Station, TX: What You Need to Know
College Station residents pay an average of $1,712 per year for full coverage auto insurance, which is 12.0% below the Texas state average and Near the national average.
With a population of 120,511, College Station is a mid-size city in Texas. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,712 | $143 |
| Standard Coverage (50/100/50) | $1,404 | $117 |
| State Minimum (30/60/25) | $719 | $60 |
Homeowners Insurance in College Station, TX
The average cost of homeowners insurance in College Station is $2,363 per year ($197/month), which is 29.8% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations. Coastal or storm-prone areas may see even higher rates due to hurricane and flood risk.
Renters Insurance in College Station, TX
Renters insurance in College Station averages $228 per year ($19/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Texas Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Houston | $2,374/yr | $3,002/yr |
| San Antonio | $2,024/yr | $2,836/yr |
| Dallas | $2,432/yr | $3,197/yr |
| Austin | $2,102/yr | $2,641/yr |
| Fort Worth | $2,180/yr | $3,058/yr |
| El Paso | $1,712/yr | $2,280/yr |
| Arlington | $2,238/yr | $3,002/yr |
| Corpus Christi | $1,985/yr | $3,280/yr |
How to Save on Insurance in College Station
- Shop around. Get quotes from at least 3-5 different insurers. Rates in College Station can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in College Station, TX?
The average cost of car insurance in College Station, TX is $1,712 per year for full coverage, or about $143 per month. Minimum coverage costs around $719 per year.
Is car insurance expensive in College Station?
Car insurance in College Station is about average for the U.S.
How much is home insurance in College Station?
Homeowners insurance in College Station costs an average of $2,363 per year. Your actual cost depends on your home's value, age, construction type, and specific location.