College Station, October 4, 2025
News Summary
College Station offers students affordable car insurance options, with Texas Farm Bureau providing the lowest monthly rates. Understanding these options is crucial for managing finances, as car insurance can be a significant expense. The article also discusses how traffic violations can affect premiums and highlights the importance of safe driving practices while in college.
College Station is offering students the most affordable car insurance options, with Texas Farm Bureau leading the way at a monthly rate of only $39 for liability coverage. For full coverage insurance, the cost rises to $101 per month, making it the lowest price available in the area. Car insurance is a significant expense for college students, and understanding the best available options is crucial for managing finances during their studies.
Other insurance providers also offer competitive rates in College Station. For the cheapest liability insurance, USAA follows closely with a monthly fee of $40, while State Farm and Progressive have rates of $42 and $45, respectively. Redpoint County Mutual rounds out the list with a price of $49. When looking for full coverage insurance, however, providers like Mercury charge $120, followed by State Farm at $123 and USAA at $124. AAA Texas offers full coverage for $125, indicating that Texas Farm Bureau maintains a significant advantage in cost for students.
Traffic violations are major contributing factors to increased car insurance premiums in College Station. The severity and type of violation can substantially raise rates. For example, the average auto insurance premiums for drivers with no violations stand at $194 per month. However, having a not-at-fault accident raises the premium to $208, while failing to wear a seatbelt increases it to $223. Speeding can also have a stark impact on costs; going 6 to 10 MPH over the limit results in an average premium of $222, while a speeding violation of 21 to 25 MPH over the limit raises it further to $225. The most significant penalties are associated with DUI rates averaging $313, as well as reckless driving at $292 and hit-and-run incidents costing about $299 per month.
From 2023 to 2025, the average cost of full coverage insurance has increased by 31%, translating to approximately $625 more each year. Typically, young adults face higher premiums than older drivers due to limited driving experience and a higher risk of claims. To mitigate costs, safe driving practices are highly encouraged, as traffic infractions can significantly elevate insurance rates. Additionally, many insurance companies provide discounts for students, including opportunities to remain on a parent’s policy, which may prove financially advantageous.
While considering whether to bring a car to college, students should evaluate their overall financial situation, which encompasses housing, meal plans, and tuition. Factors that influence car insurance rates include the driver’s credit score, the type of vehicle owned, age, and geographic location. In Texas, the climate can also play a role, with weather-related incidents such as hail and flooding affecting insurance costs.
In conclusion, students in College Station should assess multiple insurance quotes and compare options to ensure they choose coverage that aligns well with their financial goals. Likewise, they should keep in mind the long-term implications of the insurance levels they select, as this will be vital in managing their budgets throughout their college years.
Frequently Asked Questions
What is the cheapest car insurance option for students in College Station?
The cheapest car insurance in College Station for students is offered by Texas Farm Bureau at $39 per month for liability coverage and $101 per month for full coverage.
How can traffic violations affect car insurance premiums?
Traffic violations can significantly increase car insurance premiums. For instance, a DUI can raise premiums to an average of $313, while a speeding ticket averages $222, depending on the severity of the infraction.
Are there discounts available for college students?
Yes, many insurance companies offer discounts for students. Students may also be able to stay on a parent’s insurance policy, which might be more affordable.
What factors influence car insurance rates in College Station?
Factors that can affect car insurance rates include the driver’s credit score, vehicle type, age, the driver’s history of traffic violations, and the driving location. Additionally, Texas climate conditions impacting weather incidents can also play a role.
Key Features of Car Insurance in College Station
Comparative Table of Insurance Rates
| Insurance Provider | Liability Rate (per month) | Full Coverage Rate (per month) |
|---|---|---|
| Texas Farm Bureau | $39 | $101 |
| USAA | $40 | $124 |
| State Farm | $42 | $123 |
| Progressive | $45 | N/A |
| Redpoint County Mutual | $49 | N/A |
| Mercury | N/A | $120 |
| AAA Texas | N/A | $125 |
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Additional Resources
- KTEN News
- Wikipedia: College Station, Texas
- Daily Trust
- Google Search: College Station car insurance
- KBTX News
- Google Scholar: College Station car insurance
- Moore News
- Encyclopedia Britannica: College Station
- Go Suits
- Google News: College Station car insurance
Author: STAFF HERE COLLEGE WRITER
The COLLEGE STATION STAFF WRITER represents the experienced team at HERECollegeStation.com, your go-to source for actionable local news and information in College Station, Brazos County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as the Brazos Valley Fair & Rodeo, Chilifest, and Aggie Muster. Our coverage extends to key organizations like the Bryan-College Station Chamber of Commerce and United Way of the Brazos Valley, plus leading businesses in education, biotechnology, and retail that power the local economy such as Texas A&M University, Fujifilm Diosynth Biotechnologies, and H-E-B. As part of the broader HERE network, including HEREAustinTX.com, HEREDallas.com, HEREHouston.com, and HERESanAntonio.com, we provide comprehensive, credible insights into Texas's dynamic landscape.