College Station Insurance Rates:

College Station, TX home insurance is about $901 to $1,225, about $75-$102/month. Our comprehensive research reveals consumers can save upto $425 by getting many quotes

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College Station Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $200/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 2460 sqft Rental Property Constructed In 2008 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $390/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Baths 1940 sqft Primary Residence Constructed In 1989 with Carpet over wood flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $370/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 1820 sqft Vacation Property Constructed In 2004 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $170/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

2 Beds, 2 Bath 1340 sqft Primary Residence Constructed In 2011 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $2690/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $500,000

5 Beds, 5 Baths 4590 sqft Primary Residence Constructed In 2003 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $1070/8 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $350,000

4 Beds, 4 Baths 3050 sqft Seasonal Residence Constructed In 1999 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $160/1 month for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $365,000

5 Beds, 5 Baths 3940 sqft Rental Property Constructed In 1990 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Married Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $660/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Baths 2080 sqft Primary Residence Constructed In 2006 with Linoleum, Membrane Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Divorced Female who is Retired with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $1210/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 1910 sqft Rental Property Constructed In 1999 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $470/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $280,000

4 Beds, 4 Baths 2560 sqft Rental Property Constructed In 1993 with Linoleum, Membrane Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

College Station, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
77845 $192,400 $1,080
77840 $152,400 $1,060

College Station Rates & Quotes Analysis:

College Station Area Estimated House Insurance
Cotrone Dix Ln, Corregidor Dr, Armistead St, Fields St, Sendera Ct, Whispering Rdg, Fairview Ave, College Ave, Harvest Dr, Ehlinger$1,050
Pikes Peak Ct, Willow Pond Ct, Steel Store Rd, Old San Antonio Rd, Fazzino Ln, Scrimshaw Ln, Mobiltown, Winecup Cir, Shellbournes Hill, Wingfall St$998
Providence Dr, E Placid Dr, Creagor Ln, Miana Ct, Fitzgerald Cir, Timber St, Arguello Dr, Summit St, Arrowhead Ct, Poplar St$1,008
H H Moore Farm Rd, Middleham Ave, Greenleaf Dr, Culpepper Dr, Copperfield Dr, Cheyenne Ct, Lisa Cir, Regal Row, Aster Dr, Freedom Blvd$1,054
Stasney St, Link St, Meadowbrook St, Bellerive Bend Dr, Whistling Straits Dr, Lometa Ln, Park Land Dr, Sara Dr, Southland St, Luza Ln$1,042
Tee Dr, Williams Creek Dr, Ledgestone Trl, Ashburn Ave, Chestnut Oak Cir, Burt St S, Decatur Dr, Orchid St, Montclair Ave, Alison Ave$1,057
Bandera Dr, Bright Creek, Homer Rice Rd, Bee Creek Dr, Night Rain Dr, Hondo Dr, Chisolm Trl, Allen Rd, Emerald Dove Ave, Leona Dr$1,025
Chadwick Ln, 1st St, Haley Pl, Park Haven Cir, Chakett Ct, Sioux Cir, Dallis Dr, Twin Hill Dr, Barak Ln, Old College Rd$1,042
Arhopulos Rd, Green Valley Dr, Sherwood Dr, Rocky Meadows Dr, Woodmeadow Dr, Cricket Pass, Thoroughbred Ridge, Sycamore Hills Ct, Westbrook Rd, Old Jersey St$1,064
S State Hwy 6, Starling Dr, Mountain Wind Ct, System Loop, Glenna Ct, Front Royal Dr, Camber Ct, Emerald Plz, Live Oak St, Lynn St$1,069

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,960 Homes (21% of total homes ) built between 1980 to 1989 in College Station are paying home insurance between $1,588-$1,604. Places close to College Station, TX such as South Brazos, Todd Mission, Montgomery are more expensive by $11, $37, $22 respectively while Brazos County and Bryan-College Station are cheaper by $23 and $51 respectively for similar homes.
  • Bedrooms: 11,226 3 bedrooms homes (31% of total homes ) in College Station are paying about $830. Areas near to College Station such as South Brazos, Todd Mission, Montgomery are costlier by $7, $20, $12 respectively whereas Brazos County and Bryan-College Station are more economical by $11, $26 respectively for similar homes.
  • Auto Insurance Bundling: 2,889 Households (25% of all households) in College Station have 3 or more vehicles available and when it is bundled with home insurance you can save $266 in contrast with Brazos County ($262), Bryan-College Station ($257), South Brazos ($268).
  • Senior Discounts: 4,242 seniors (more than 55 years) occupied housing units (36% of total) in College Station get discounts between $159 to $161 and varies from Brazos County ($157), Bryan-College Station ($154), South Brazos ($160).
  • New Homes discounts: New homes such as the 20,029 homes built between 2000 to 2009 in College Station can save $212 and similar new home insurance discounts in nearby towns and cities like Brazos County, Bryan-College Station and South Brazos are $209, $206 and $214 respectively.

College Station Homeowners insurance Facts

  • College Station, TX has 11,536 owner occupied houses which is 35.1% of all units whereas Brazos County, Bryan-College Station and South Brazos have 46.38%, 33.9% and 65.44% respectively.
  • College Station, TX homeowners yearly insurance price at $1,064 is 0.6% of the typical house value of $177,300 which is in contrast with 0.69% in Brazos County, 0.87% at Bryan-College Station & 0.56% in South Brazos.
  • Homeowners in College Station, TX pay 2.5% of their income ($40,000 to $44,999) in insurance whereas homeowners in Brazos County, Bryan-College Station and South Brazos pay 2.47%, 2.42% and 2.52% respectively.
  • College Station, TX’s insurance is 5.5% of monthly housing costs of $1,628/month, for owners with a mortgage compared to 6.13% in Brazos County, 6.82% at Bryan-College Station & 5.31% in South Brazos. But, for households without a mortgage, insurance is 15.3% of costs ($579 in College Station, TX) in contrast with 17.52% in Brazos County, 18.07% at Bryan-College Station & 15.19% in South Brazos.

College Station, TX Home Values & Insurance rates

For example, insurance for 334 Homes (3.0% of total homes ) valued between Less than $50,000 in College Station, TX is about $148. Rates in nearby areas in such as South Brazos, Montgomery, Stagecoach are cheaper by $20, $19, $10 respectively while Brazos County and Bryan-College Station are costlier by $19 and $68 respectively for similar homes.

College Station, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 334 3.0% $148
$70,000 to $79,999 117 1.0% $446
$90,000 to $99,999 253 2.0% $563
$100,000 to $124,999 713 6.0% $659
$125,000 to $149,999 1,797 16.0% $819
$150,000 to $174,999 2,171 20.0% $968
$175,000 to $199,999 1,507 13.0% $1117
$200,000 to $249,999 1,656 15.0% $1351
$250,000 to $299,999 973 8.0% $1649
$300,000 to $399,999 1,076 9.0% $2096

Renters Insurance in College Station

  • Average Renters Insurance in College Station :  $159($13/month)

  • Median Gross Rent in College Station :  $865

  • College Station Renters Insurance to Median Rent Ratio:  1.5%

  • Renter occupied housing units in College Station :  21,349

College Station Renters Insurance as a Percentage of Rent

College Station Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 611 2.0% $1239
$500 to $749 6,214 30.0% $1914
$750 to $999 6,050 29.0% $2664
$1,000 to $1,499 4,810 23.0% $3789
$1,500 or more 2,785 13.0% $5439

Rent Affordability in College Station:

Approximately 70.0% (14,967) of households are spending more than 35% of their income on gross rent in College Station

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,133 5.0%
15.0 to 19.9 percent 1,433 6.0%
20.0 to 24.9 percent 1,714 8.0%
25.0 to 29.9 percent 1,230 5.0%
30.0 to 34.9 percent 872 4.0%
35.0 percent or more 14,967 70.0%

College Station Renters Insurance Discounts:

College Station Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in College Station, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 9,732 45.0% $15.9
2 vehicles available 5,796 27.0% $23.85
3 or more vehicles available 4,039 18.0% $31.8

College Station Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 219 1.0% $86
65 to 74 years 323 1.0% $56

Protective device discount in College Station Up to :  $23

Claims-free discount in College Station Up to :  $31