Cheapest Car Insurance Quotes in College Station

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College Station Car Insurance

^$ 34

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in College Station

The car insurance rate in College Station is $1081 for a six-month policy, which is $157 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $563, making it a popular choice for budget-conscious drivers. Rates in College Station can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in College Station

$1081

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in College Station

1st place: AutoOwners Insurance Co

At $563 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $737 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $757 for six months, making it the third cheapest auto insurance company in College Station.

College Station Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in College Station, AR is AutoOwners Insurance Co, offering policies at just $563 for a six-month term. This is followed by Travelers, which has an average six-month premium of $737.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $2002 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help College Station drivers find the best deals.

Cheap Car Insurance Companies in College Station, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$563	$96
Travelers	$737	$124
AAA	$757	$129
Southern Farm Bureau	$813	$137
USAA	$827	$139
State Farm	$931	$157
Farm Bureau	$952	$161
Shelter	$1021	$172
Nationwide	$1085	$183
Auto-Owners	$1119	$186
Farmers	$1265	$213
Alfa	$1480	$247
Allstate	$1584	$267
Progressive	$2002	$337

Key Takeaways

Way's key takeaways about car insurance in College Station

The auto insurance costs in College Station fall around $563 for six months.
The cheapest auto insurance company in College Station is USAA.
Teen drivers pay the highest rate in College Station at $1196 per month.

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Cheapest Minimum Liability Car Insurance in College Station

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in College Station are given below.

USAA provides the cheapest minimum car insurance coverage in College Station. Their Average 6 Month Premium is $201. Farmers is the most expensive at $695 for the same period.

Cheapest Liability Coverage in College Station, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$201	$34
Auto-Owners Insurance Co	$222	$37
State Farm	$250	$42
Auto-Owners	$264	$44
Travelers	$271	$46
AAA	$278	$47
Southern Farm Bureau	$285	$48
Farm Bureau	$291	$49
Alfa	$305	$51
Shelter	$333	$56
Nationwide	$347	$59
Progressive	$369	$62
Allstate	$639	$108
Farmers	$695	$116

Cheapest Full Coverage Car Insurance in College Station

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in College Station is AutoOwners Insurance Co at $96 per month and $563 for six months.

Cheapest Full Coverage Car Insurance Quotes in College Station, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$563	$96
Travelers	$737	$124
AAA	$757	$129
Southern Farm Bureau	$813	$137
USAA	$827	$139
State Farm	$931	$157
Farm Bureau	$952	$161
Shelter	$1021	$172
Nationwide	$1085	$183
Auto-Owners	$1119	$186
Farmers	$1265	$213
Alfa	$1480	$247
Allstate	$1584	$267
Progressive	$2002	$337

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Average Car Insurance in College Station by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in College Station, AR increasing?

Despite maintaining a clean driving record, your car insurance rates in College Station, Arkansas, may be increasing due to several external factors. Arkansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, College Station's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in College Station

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in College Station,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the College Station at $30 per month. At $7033 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$180	$30
Travelers	$298	$50
Auto-Owners Insurance Co	$326	$55
AAA	$347	$60
Southern Farm Bureau	$1223	$206
USAA	$1411	$238
Farm Bureau	$1856	$309
State Farm	$1891	$318
Alfa	$2307	$385
Nationwide	$2363	$398
Shelter	$3071	$517
Progressive	$5740	$966
Allstate	$7033	$1184
Farmers	$7033	$1196

Teen Car Insurance Rates in AR by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in College Station, Southern Farm Bureau is the cheapest car insurance provider. At $340 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in College Station is State Farm, offering rates of around $4636 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$340	$57
Home State Ins Group	$347	$60
Travelers	$410	$68
Alfa	$882	$149
USAA	$1182	$197
Shelter	$1293	$218
Nationwide	$1307	$220
Progressive	$1668	$281
Farm Bureau	$1723	$288
Farmers	$1737	$293
Allstate	$3177	$529
State Farm	$4636	$789

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Car Insurance Rates with An Accident in College Station

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In College Station, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in College Station

The cheapest car insurance companies after an at-fault accident in College Station include Hanover and Travelers, offering $208 and $355, respectively. Allstate is an expensive provider with an average six-month premium of $2940.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$208	$35
Travelers	$355	$60
Auto-Owners Insurance Co	$362	$60
Auto-Owners	$424	$73
Home State Ins Group	$445	$74
USAA	$667	$112
State Farm	$688	$116
Farm Bureau	$820	$138
Southern Farm Bureau	$834	$140
Shelter	$1035	$174
Farmers	$1605	$270
Nationwide	$1626	$274
Progressive	$2016	$339
Alfa	$2259	$384
Allstate	$2940	$495

College Station Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in College Station AR. For example, the car insurance in College Station after a DUI increases to $785 for a six month policy. While the rate increases by $333 for a six-month policy in the case of a speeding ticket.

College Station auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1390	$232
One Med/PIP claim	$1411	$240
Not-at-fault accident	$1418	$236
One comp claim	$1418	$241
Two Med/PIP claims	$1439	$240
Two comp claims	$1473	$250
Failure to wear a seat belt	$1668	$278
Child safety restraint	$1681	$285
Driving without lights	$1681	$281
Failure to show documents	$1702	$289
Driving with expired registration	$1723	$288
Speeding 6 - 10 MPH over limit	$1723	$293
Driving too slowly	$1730	$289
Speeding 11 - 15 MPH over limit	$1730	$294
Speeding in school zone	$1730	$289
Speeding 16 - 20 MPH over limit	$1737	$296
Failure to stop at a red light	$1744	$290
Failure to yield	$1744	$297
Wrong way/wrong lane	$1751	$291
Cell phone violation	$1759	$300
In 65 MPH zone	$1759	$293
Texting while driving	$1759	$300
Following too closely	$1766	$294
Illegal turn	$1766	$301
Improper passing	$1766	$294
Speeding 21 - 25 MPH over limit	$1799	$307
At-fault accident - less than $1000	$1806	$301
Passing school bus	$1821	$310
Operating a vehicle without permission	$1877	$312
Open container	$1912	$325
At-fault accident - $1000-$2000	$1953	$325
At-fault accident - greater than $2000	$1960	$333
DUI	$2175	$363
Racing	$2175	$370
Refusal to submit to a chemical test	$2175	$363
Reckless driving	$2210	$376
Driving with a suspended license	$2272	$379
Leaving scene of an accident/hit and run	$2314	$393

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in College Station after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in College Station.

The cheapest car insurance premiums in College Station are offered by Hanover at $222 for a six-month policy. However, it can be as expensive as $2960 with companies like Nationwide.

College Station car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$222	$37
Home State Ins Group	$376	$62
Travelers	$390	$66
State Farm	$730	$123
Farm Bureau	$757	$128
Southern Farm Bureau	$771	$130
USAA	$1057	$178
Progressive	$1321	$222
Shelter	$1654	$278
Alfa	$2189	$365
Allstate	$2579	$434
Farmers	$2669	$445
Nationwide	$2960	$498

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in College Station are offered by Hanover at $194. However, it can be as expensive as $2279 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in College Station after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$194	$33
Southern Farm Bureau	$208	$35
Auto-Owners Insurance Co	$257	$43
Travelers	$340	$57
Home State Ins Group	$362	$60
State Farm	$653	$110
USAA	$792	$132
Farm Bureau	$1035	$176
Nationwide	$1182	$199
Progressive	$1279	$215
Shelter	$1341	$223
Farmers	$1557	$262
Alfa	$2134	$356
Allstate	$2279	$387

Car Insurance Price Trends in College Station, Arkansas

Car insurance rates in College Station have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the College Station remained steady at $232 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the College Station remained steady at $54 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in College Station?

The car insurance in College Station is $34 per month, which is lower than the national average.

What is the cheapest car insurance in College Station?

The cheapest car insurance in College Station is $96 per month for full coverage.

How much is car insurance in College Station for teenagers?

Car insurance for teenagers costs $180 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in College Station?

The average cost of car insurance is $924 for a six-month policy. It will cost around $181 per month to insure your car in College Station.

Is car insurance expensive in College Station?

Car insurance can be expensive in College Station if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in College Station can be affordable.

Cheapest Car Insurance Quotes in College Station

Why you can trust Way?

How Much Is Car Insurance in College Station

Avg. Car Insurance in College Station

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in College Station

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

College Station Car Insurance Rates by Company

Cheap Car Insurance Companies in College Station, AR

Way's key takeaways about car insurance in College Station

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in College Station

Cheapest Liability Coverage in College Station, AR

Cheapest Full Coverage Car Insurance in College Station

Cheapest Full Coverage Car Insurance Quotes in College Station, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in College Station by Rating Factor

I have a clean driving record. Why is my car insurance rate here in College Station, AR increasing?

Car Insurance Premiums by Age in College Station

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in College Station,AR

If you are in your twenties N/A is the best choice for car insurance in College Station.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in College Station

Cheapest Car Insurance Companies after an At-Fault Accident in College Station

College Station Car Insurance Rates by Violation

College Station auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in College Station after a DUI

College Station car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in College Station after Speeding ticket

Car Insurance Price Trends in College Station, Arkansas

Average Car Insurance Cost in College Station by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near College Station, AR

Car Insurance Rates by State in the USA (2025 Update)

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