College Station, TX
College Station, TX car and homeowners insurance
How College Station households can compare car and home coverage, with local Census data. A quote is not a binder.
College Station has about 128,023 residents in Brazos County. 70% of its workers drive to work alone and 35% of households own their home, so most families here need both a car policy and a homeowners policy.
How College Station gets around
| Measure | College Station | Texas |
|---|---|---|
| Drive alone to work | 70% | 71% |
| Carpool | 8% | 10% |
| Work from home | 12% | 14% |
| Commute of 45 minutes or more | 5% | 17% |
| Commute under 15 minutes | 43% | 25% |
| Households with no vehicle | 7% | 5% |
| Households with 3 or more vehicles | 19% | 22% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 5% of College Station commuters travel 45 minutes or more each way (Texas: 17%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Only 12% of College Station workers mostly work from home, below the Texas share of 14%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
19% of College Station households keep three or more vehicles, and 7% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The College Station homeowners picture
Homes in College Station carry a median value of $346,700 and a median construction year of 1999. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show Texas HO-3 policyholders with $325,000–$349,999 of dwelling coverage paying an average of $2,592; the all-amounts state average was $2,864.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in College Station
Drivers in College Station must carry Texas's minimum of 30/60/25 in liability coverage (none beyond liability (PIP and UM must be rejected in writing)). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Bundling auto and home in College Station
A bundle can simplify life in College Station: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Local risks for College Station cars and homes
Insurers in Texas price for large hail and Gulf hurricanes near the coast. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
See FEMA's National Risk Index for local hazard scores.
How College Station compares in Texas
Houston shows 13% working from home and a median home value of $277,800. In San Antonio, 52% own their home and 18% of households have three or more vehicles. In Dallas, 42% own their home and 15% of households have three or more vehicles. College Station ranks 28th for long commutes among the 30 Texas cities we profile.
College Station quote checklist
- Current declarations pages for auto and home
- VINs from registrations or the dashboard
- Your College Station address, square footage, and year built
- Drivers' names and dates of birth
- Target limits and deductibles
- Mortgage company for the home
Questions from College Station drivers and homeowners
What auto insurance is required in College Station?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do College Station drivers have long commutes?
About 5% of College Station workers commute 45 minutes or more and 43% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in College Station?
Prices depend on the home and coverage. The NAIC's 2023 Texas HO-3 average was $2,864; see the Texas page.
Other city guides near College Station
Auto and home insurance in Texas
Last updated October 15, 2026 · How we research