College Station Car Insurance

(And how to know if you're getting a good deal)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

College Station Texas car insurance

College Station is home to the famous Texas A&M University and is known as a flag station. College Station, TX, is an academic hub with historic charm.

If you live in this 113,564 resident town, you'll need car insurance to use the roadways. On, you can connect with an independent insurance agent in moments.  

The Cost of Car Insurance in College Station, TX

The cost of car insurance in College Station will depend on several factors. The carriers are looking at your individualized risks to determine your pricing. Let's look at the average car insurance premiums:

  • National average: $1,005
  • Texas average: $1,823

Since each car insurance policy is specific, it may be useful to know how the carriers rate your policy. All of the below factors determine your cost. While there are some you can change, there are others you won't have control over. See the list of price factors:

  • Where you live
  • The crime rate
  • The number of claims reported in your city 
  • Your insurance score
  • Your credit score and motor vehicle records (MVR)
  • The coverage you choose
  • The year, make, model, and value of the vehicles you insure
  • Your age  

Speak with your local independent insurance agent on your car insurance premiums. 

What Insurance Coverages Does College Station, TX, Require to Drive?

Each state has laws around insurance coverage and how much is required to use their roads. What is mandated in Texas is also required in College Station. Check out Texas' limits of liability requirements:

  • Minimum liability limits of $30,000 per person/ $60,000 per accident/ $25,000 in property damage

If you don't have proper coverage while driving in College Station, you could be fined or jailed. It's best to speak with your local agent and discuss coverage options.

College Station and Uninsured Motorist Coverage

Drivers on the roads today aren't always well protected. In fact, some have no car insurance at all. To avoid a potentially harmful situation, you'll want uninsured/underinsured motorists or UM/UIM coverage to protect you and your family from uninsured drivers. 

What Is UM/UIM Coverage?

UM/UIM will provide coverage for medical and property damage expenses in the event of a loss with an uninsured driver. 

Every state has a percentage of uninsured drivers, and Texas is no different. The national and state averages on drivers without insurance are below:

  • National average: 13.0%
  • Texas average: 14.1%

Be sure to contact your College Station agent and discuss UM/UIM insurance today.


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Optional Car Insurance Coverage in College Station, TX

The city of College Station has a fair share of accidents. In 2017 alone, they had 19 people involved in fatal accidents. That's why it's essential to have adequate car insurance in both liability and optional coverages. Let's look at some auto policy coverage options below:

  • Comprehensive: This pays for property damage to your vehicle resulting from an object hitting your car.
  • Towing: This pays for a scheduled auto to be towed.
  • Rental car: This pays for a needed car rental due to a covered loss.
  • Gap: This pays for the difference between what's left on your car loan and your vehicle's value. 
  • Collision: This pays for property damage resulting from a crash.

Your agent may recommend all or some of these coverages, depending on what you want. Full coverage is also known as comprehensive and collision insurance. If your policy doesn't have this coverage, you may have an older vehicle. Your car value and what your preference is will determine if you want to pay out of pocket or have full coverage. Chat with your agent on what your auto policy should cover.

Does Theft Impact My College Station, TX, Car Insurance?

The last thing you'll want to worry about is coverage when your vehicle has been robbed. The better you prepare for a potential crime with proper insurance, the less it will impact your pocketbook. 

Average Theft Rate:

  • National average: 2.37
  • Texas average: 2.48
  • College Station average: 1.98

The robust town of College Station comes in low on the crime scale. This will give you a more favorable rate on your auto policy. An independent agent can run quotes so you can see how the city's theft rate impacts your premium.

Do You Need Liability Insurance in College Station, TX?

In Texas, you are required by law to carry the minimum limits of liability mandated. Often that is not enough coverage for an individual driver, and more may still be needed.

An umbrella liability insurance policy is an added limit of liability above and beyond your underlying policies. It will protect you against those larger claims that exhaust your underlying limits. 

Usually, umbrella limits will start at $1,000,000 in additional coverage and go up from there. To determine which limitation of extra liability you need, speak with your local agent. 

How a College Station Independent Agent Can Help

When you work with a local independent insurance agent, you get the best coverage and pricing in town. Since they have access to dozens of carriers, you never have to shop rates on your own.

To find a College Station independent agent go to and use the find-an-agent tool. Get connected in minutes and start saving today.

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Car Insurance

City of College Station