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Cheap Auto Insurance Quotes in Bryan, TX, for August 2022

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JJ Starr

By: JJ Starr

Edited by Danny Smith

Last Updated July 18, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Quick Facts

  • The average cost of car insurance in Bryan is $214 per month or $2,568 annually.
  • Car insurance in Bryan is $56 less than the average cost of insurance in Texas.
  • The cheapest car insurance provider in Bryan on average is Progressive.

Car Insurance in Bryan, TX

Looking for affordable car insurance in Bryan, Texas? The good news is that drivers in Bryan pay less than the average Texan. Though auto insurance rates aren’t the lowest in the state, there are many ways to save money on your insurance needs. One of the most reliable ways is shopping around, so make sure to compare car insurance quotes before buying a policy.

Quotes by Top Companies

Progressive
$110
State Auto
$165
Travelers
$171
Nationwide
$203
Dairyland
$211

Cheapest Car Insurance in Bryan, TX

What is the cheapest car insurance in Bryan?

Progressive is the cheapest car insurance provider on average in City, with rates starting at $110 per month. It’s still important to compare car insurance rates because everyone’s situation is unique.

As you can see from the table below, there is quite a large range of premium costs between car insurance companies. Keep in mind that not all companies or policies are equal. Two policies could be just a few dollars apart in cost, but one may be bare-bones while the other includes perks such as roadside assistance and other insurance services.

Insurance CompanyAverage Monthly Quote
Progressive$110
State Auto$165
Travelers$171
Nationwide$203
Dairyland$211
Liberty Mutual$233
Bristol West$245
Foremost$123
Mile Auto$132
Clearcover$138
Apparent$154
Elephant$156
Safeco$160
GAINSCO$170
Kemper Preferred$172
Commonwealth Casualty$172
Direct Auto$174
AssuranceAmerica$189
Mercury$199
Alinsco$200
SafeAuto$201
Texas Ranger$214
Pronto$220
Midvale Home & Auto$226
Kemper$228
Aspen$232
Kemper Specialty$236
Quantum$249
The General$267
Jupiter$272
Infinity$301
Aggressive$306
Hallmark$315
Freedom National$320
Stillwater$428
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in Texas

Each state has unique laws about what car insurance is mandatory for its drivers. Texas drivers must carry both property damage and bodily injury coverage[1]. Read more on Texas’s minimum car insurance requirements.

Bryan Car Insurance Rates by Driving and Accident History

Your driving history plays a big role in determining your car insurance rate[2]. Drivers who have a major violation on their record, such as a DUI, will pay significantly higher rates. They may even have trouble finding an insurer willing to issue a policy and may need to make big changes to their policies, such as changing vehicles and only carrying liability insurance.

Driver HistoryAverage Monthly Cost
Clean Record$199
Speeding Ticket$267
At-Fault Accident$291
DUI$396
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Bryan Car Insurance Rates by Credit Tier

Your credit score affects more than just your borrowing rate; it also affects how much you pay for auto insurance coverage[3]. Policyholders with good or excellent credit pay less for the same coverage than those with average or poor credit. They also have advantages when it comes to car purchasing power and auto loan interest rates, so keeping good credit has its perks.

Credit TierAverage Monthly Cost
Excellent$167
Good$197
Average$217
Poor$336
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Bryan

Cheap car insurance coverage starts with evaluating your coverage options and deciding on the types of coverage and level of coverage you need. Once you’re clear on this, you should compare quotes from several car insurance companies in your area. You can do this for free and without sharing your information directly by using Insurify’s quote-comparison tool.

Insurify also lets you compare costs for liability coverage and full-coverage policies so you can know your best rate at whatever level of coverage you choose. Need to lower rates more? Bundle car and home insurance, raise deductibles, or downsize to a cheaper vehicle. We can even help you compare costs by vehicle type to give you accurate estimates before you buy.

Frequently Asked Questions

  • The key to affordable car insurance is comparing quotes before buying. Additional ways to get a cheap policy include raising deductibles, dropping unnecessary coverage, and using discounts, especially multi-policy discounts that combine a car insurance policy with homeowners insurance, renters insurance, or other insurance products.

  • The average driver in Bryan pays $214 a month—or $2,568 a year—on their auto insurance policy. But costs vary widely depending on the driver’s age and driving history, the vehicle’s make and model, and how the vehicle is used (i.e., commuting vs. leisure). Drivers who have short or spotty driving records, own high-end cars, and drive a lot pay higher rates than others.

  • There are a few external reasons insurance rates can go up, but the most common cause of rate hikes is a change in the driver’s record. Speeding tickets, DUIs, and at-fault accidents will increase your rate. The more significant the event, the higher the increase. To avoid increases, practice safe, defensive driving habits every time you’re behind the wheel.

Compare Car Insurance Quotes Instantly

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

JJ Starr
JJ Starr
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Insurance Writer

J.J. Starr is a health and finance writer with a background in banking, lending, and financial advising. She holds a Series 6, FINRA, and life insurance licensure and a master's degree from New York University. Through her writing, she strives to use her decade of experience to help consumers make sound financial choices. Connect with J.J. on LinkedIn.

Learn More

Sources

  1. Texas Department of Insurance. "State Minimum Car Insurance Requirements." Accessed July 9, 2022
  2. Texas Department of Insurance. "Automobile insurance guide." Accessed July 7, 2022
  3. Texas Department of Insurance. "How your credit score can affect your insurance rates." Accessed July 7, 2022