Consult our guide to auto insurance College Station, Texas to explore ways to save.
The typical College Station driver pays $1,245 per year for auto insurance. That's less than the average in Texas ($1,415) and cheaper than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in College Station.
| College Station Average (annual) | Texas Average | National Average |
| $1,245 | $1,415 | $1,548 |
The difference in auto insurance rates from company to company can be substantial. For a typical driver, GEICO offers College Station's most affordable premiums. We've gathered the best cheap car insurance companies in College Station below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
| Insurer | Average Annual Rate |
| GEICO | $1,033 |
| USAA | $1,077 |
| State Farm | $1,137 |
| Allstate | $2,116 |
Check out our guide to learn how to find the best cheap car insurance.
The best age for car insurance rates as a driver in College Station is your 50s: drivers in this age group pay an average of $1,081 per year. Those in their 60s don't pay much more ($1,115).
Teenage drivers pay College Station's most expensive insurance rates. When College Station drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in College Station is $1,532. That's the biggest gap in premiums between any pair of age brackets.
| Age group | Average Yearly Rate |
| Teenagers | $3,151 |
| 20s | $1,619 |
| 30s | $1,225 |
| 40s | $1,193 |
| 50s | $1,081 |
| 60s | $1,115 |
| 70s | $1,366 |
Learn more about the impact of age on auto insurance rates.
Marital status and gender can be contributors to car insurance rates, in some cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in College Station pay $86 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in College Station, widowed drivers pay less than those who are single.
Another component of auto insurance pricing is gender. In College Station, the gap in car insurance costs between genders is $11 per year, with male drivers paying more than female drivers.
| Gender/Marital Status | Average Annual Rate |
| Female | $1,234 |
| Male | $1,245 |
| Single | $1,159 |
| Married | $1,159 |
| Divorced | $1,245 |
| Widowed | $1,133 |
Learn more about how gender and marital status have on insurance rates.
If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In College Station, a reckless driving citation results in an average insurance rate increase of $672 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $687 increase and a speeding ticket triggers a $102 rate hike.
| Incident | Average Annual Rate |
| DUI/DWI | $1,932 |
| Reckless Driving | $1,917 |
| At-fault Accident (damages less than $1,000) | $1,579 |
| At-fault Accident (damages greater than $2,000) | $1,877 |
| Speeding Ticket (16-20 mph over speed limit) | $1,347 |
Learn more about citations' impact on your auto insurance rates.
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In fact, College Station drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 60% decrease in their auto insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In College Station, improving your credit to "Fair" corresponds with a $1,052 decrease in annual car insurance rates.
| Credit Score | Average Annual Rate |
| Very Poor | $2,598 |
| Fair | $1,546 |
| Good | $1,245 |
| Very Good | $1,155 |
| Exceptional | $1,029 |
