College Station Car Insurance

The Zebra
May 30, 2018

Car Insurance in College Station

On average, Texas premiums exceed the national average by 27%. Premiums also run high in the city, so in College Station, it is vital to save while insuring a vehicle. Keep some money in your pocket by following the tips below about how to save on car insurance in College Station.

  • City Average: $1,562
  • State Average: $1,810
  • National Average: $1,427

College Station Car Insurance by Age

Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $1,328 a year. However, those in their 60s ($1,387) have premiums that aren't much higher. With car insurance payments of $5,069 on average, teenage drivers have the highest rates of any age group. When drivers hit their 20s in College Station, therefore moving out of the teenage age bracket, they reduce their premiums by 62%, the largest difference between any age group. In College Station, turning 60 means a rise in insurance rates. Up until then, progressing between age groups means decreasing prices.

  • Teenagers: $5,069
  • 20s: $1,910
  • 30s: $1,537
  • 40s: $1,487
  • 50s: $1,328
  • 60s: $1,387
  • 70s: $1,726

College Station Car Insurance by Gender and Marital Status

In College Station, numerous driver characteristics, including marital status and gender, can influence car insurance premiums. Premiums for women tend to be a mere 1% cheaper than for men. Did you know that in your city marital status can actually change your premiums substantially? Being single, as opposed to married, can cost you 12% more per year. Rates for those who are widowed are also much cheaper than rates for those who are single.

  • Female: $1,541
  • Male: $1,562
  • Single: $1,562
  • Married: $1,399
  • Divorced: $1,562
  • Widowed: $1,418

College Station Car Insurance by Accident or Violation History

Do you know how much an accident or violation on your record can cost you in terms of prices on car insurance? An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. In College Station, individuals who are found at-fault in an accident end up paying $775 more than the city average on car insurance each year. $654 is the additional cost per year for drivers with a DUI in College Station, compared to the city average of $1,562. Reckless driving will also bump your rates up, with typical rates of $2,164. That is 39% higher than the city average.

  • DUI: $2,216
  • Reckless Driving: $2,164
  • At-fault Accident (damages less than $1000): $2,337
  • At-fault Accident (damages greater than $2000): $2,337
  • Speeding Ticket (16-20 mph over speed limit): $1,628

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College Station Car Insurance by Credit Rating

Improving your credit can save you a sizable amount of money. Those in the top credit tier (800-850) save an average of 52% each year on premiums compared to those in the bottom tier (300-579). Moving from Very Poor (300-579) to Fair (580-669) brings in the greatest decrease in premiums, as drivers save approximately $317 per year.

  • Very Poor: $2,732
  • Fair: $2,312
  • Good: $1,917
  • Very Good: $1,615
  • Exceptional: $1,298