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Best cheap car insurance in San Angelo for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in San Angelo
Bankrate’s research shows that the best car insurers in San Angelo typically offer more than just low rates. These companies provide a variety of coverage options and access to numerous discounts. Additionally, they often receive high customer service scores in the J.D. Power Auto Insurance Study and strong financial strength ratings from AM Best. Our insurance editorial team used this information to create a Bankrate Score for each company (out of a possible five points), helping you quickly assess which insurers might be the best fit for your needs.
Bankrate Score
Avg. min coverage premium
Min. coverage
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Why Geico made our list: Geico earned one of the highest Bankrate Scores on our list, offering competitive average rates to drivers in San Angelo along with numerous discount opportunities. It provides discounts specifically for service members, which may appeal to drivers stationed at Goodfellow Air Force Base. These include up to a 15 percent military discount and a 25 percent discount for emergency deployments. However, Geico lacks extensive optional coverage types, making it less ideal for those seeking a highly customized policy.
Why Geico is best for budget-conscious drivers: Geico tied as the 2024 winner of the Bankrate Award for Best Budget Auto Insurance Company thanks to its consistently lower-than-average premiums and extensive discount options. The company's digital tools could make managing policies online straightforward and convenient, especially for young drivers who might benefit from specific discounts like good student and driver training discounts.
| Bankrate Score | 4.4 |
| J.D. Power | 801/1,000 |
| AM Best score | A++ |
Bankrate Score
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Min. coverage
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Why State Farm made our list: State Farm is the largest car insurance company in the U.S. by market share, with competitive average rates and a variety of discount opportunities. State Farm offers customizable policies to fit individual needs, but it does not provide gap insurance, so drivers who have recently financed a new vehicle might want to consider other options.
Why State Farm is best for personalized service: State Farm could be ideal for drivers who value a personalized experience through a local agent and the ability to bundle multiple insurance policies. The carrier has nearly 10 agents in San Angelo, plus advanced digital tools for virtual policy management and claims filing. It also performs well in the Texas region of the 2024 J.D. Power Auto Insurance Study, indicating strong service.
| Bankrate Score | 4.3 |
| J.D. Power | 838/1,000 |
| AM Best score | A++ |
Bankrate Score
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Min. coverage
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Why USAA made our list: USAA earned a high Bankrate Score due to its tailored offerings for military members, veterans and their families. With competitive average rates and a strong reputation for customer service, USAA offers a few coverage add-ons, including roadside assistance and rental car reimbursement. However, it lacks 24/7 customer service and in-person agent support, which might be a drawback for some.
Why USAA is best for military-specific car insurance discounts: USAA could be an excellent choice for military members and their families, offering discounts specifically designed for their unique needs. With potential savings for garaging vehicles on base and additional discounts for low annual mileage or vehicle storage during deployment, USAA is often the cheapest option for drivers who meet its eligibility criteria. Additionally, the SafePilot program rewards safe driving habits, potentially lowering premiums even further.
| Bankrate Score | 4.2 |
| J.D. Power | 860/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
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Full coverage
Why Allstate made our list: Allstate may be a strong contender for drivers in San Angelo due to its diverse selection of coverage options and robust discount opportunities. It offers multiple reward programs, such as Deductible Rewards and Safe Driving Bonus, which provide incentives for safe driving. However, Allstate's higher average rates for full coverage may be a drawback for some drivers.
Why Allstate is best for managing multiple policies: Allstate could be an excellent choice for those who prefer the convenience of managing multiple insurance policies through a single carrier. With options for home, auto and life insurance, Allstate simplifies the process of handling various insurance needs. Additionally, its strong mobile and online tools make managing these policies even more convenient.
| Bankrate Score | 3.9 |
| J.D. Power | 809/1,000 |
| AM Best score | A+ |
Bankrate Score
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Full coverage
Why Mercury made our list: Mercury stands out for its competitive rates and personalized service through local agents in San Angelo. The insurer offers all the basic coverage types and some extras like rideshare insurance for drivers working with Uber or Lyft. Although Mercury was not rated in the Texas region of the 2024 J.D. Power survey, it earned an A (Excellent) rating from AM Best, indicating its financial strength and historic ability to pay claims.
Why Mercury is best for rideshare drivers: Mercury could be a great choice for rideshare drivers due to its specialized rideshare insurance coverage, available for as low as $0.90 per day. This coverage might be a valuable add-on for drivers who want financial protection beyond what their employer offers.
| Bankrate Score | 3.8 |
| J.D. Power | |
| AM Best score | A |
Bankrate's trusted insurance industry expertise
Read our full methodologyBankrate's team gathers the most up-to-date rates from Quadrant Information Services by ZIP code to deliver accurate and relevant analyses. Our comprehensive data collection and thorough review process ensure that we provide users with the best possible insights for making informed decisions about their car insurance options.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in San Angelo
Finding cheap car insurance in San Angelo, Texas often involves evaluating several factors beyond just the price. While cost is a significant consideration, it's also important to assess the coverage options, discount opportunities and customer service ratings of various insurers. If you plan to start your search for coverage with price, the following carriers offer the cheapest coverage in San Angelo based on average minimum coverage rates.
| Insurance company | Average annual min coverage premium | Average annual full coverage premium |
|---|---|---|
|
$331
|
$1,389
|
|
|
$356
|
$1,527
|
|
|
$356
|
$1,594
|
|
|
$546
|
$1,924
|
|
|
$373
|
$2,044
|
How much is car insurance in San Angelo, Texas?
The average cost of car insurance in San Angelo for full coverage is $2,087 per year, while minimum coverage averages $499 per year. When compared to the state average, San Angelo's rates are 15 percent less for full coverage and 29 percent less for minimum coverage. Your own rates will vary from these averages based on your personal rating factors, so we've broken down average rates and the cheapest companies based on some common driver profiles.
San Angelo rates for teens
Teen drivers in San Angelo often face higher car insurance rates due to their lack of driving experience and risk of accidents. However, adding a teen to their parents' policy can be more affordable, as teens are seen as lower risk if under the supervision of a parent. Discounts for good grades, driver training courses and safe driving can also help reduce premiums for teen drivers.
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$761
|
$676
|
|
|
$791
|
$714
|
|
|
$894
|
$639
|
|
|
$961
|
$788
|
|
|
$972
|
$626
|
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$2,835
|
$2,519
|
|
|
$2,910
|
$2,656
|
|
|
$3,059
|
$2,579
|
|
|
$3,433
|
$2,467
|
|
|
$3,479
|
$3,034
|
San Angelo rates for young drivers
Much like teen drivers, young drivers in San Angelo also experience higher average car insurance premiums, but these usually start to come down as drivers approach their mid-20s. As they transition from being covered under their parents' policies to obtaining their own, young drivers can still take advantage of various discounts, such as those for good grades or safe driving, to help mitigate costs. Shopping around for the best rates and maintaining a clean driving record are key strategies for lowering premiums.
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$576
|
$454
|
|
|
$729
|
$392
|
|
|
$759
|
$406
|
|
|
$900
|
$531
|
|
|
$1,307
|
$784
|
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$2,446
|
$1,999
|
|
|
$2,913
|
$1,734
|
|
|
$2,984
|
$1,641
|
|
|
$4,077
|
$2,786
|
|
|
$4,696
|
$2,293
|
San Angelo rates for adults
Car insurance rates typically become more stable as drivers gain more experience and establish a longer driving history. Adult drivers in San Angelo often benefit from lower premiums compared to younger drivers, as insurers view them as lower risk.
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$354
|
$331
|
$321
|
|
|
$357
|
$356
|
$347
|
|
|
$397
|
$356
|
$347
|
|
|
$416
|
$373
|
$360
|
|
|
$457
|
$546
|
$509
|
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$1,433
|
$1,389
|
$1,289
|
|
|
$1,577
|
$1,527
|
$1,434
|
|
|
$1,821
|
$1,594
|
$1,500
|
|
|
$2,038
|
$1,924
|
$1,814
|
|
|
$2,371
|
$2,044
|
$1,851
|
San Angelo rates for senior drivers
Senior drivers in San Angelo might initially enjoy reduced car insurance rates due to their extensive driving experience. However, as they continue to age, premiums could tick up again due to higher risks associated with age-related factors such as slower reaction times and potential health issues. Seniors can still find ways to save by looking for discounts tailored to their demographic and maintaining a clean driving record.
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$309
|
$378
|
|
|
$330
|
$407
|
|
|
$331
|
$349
|
|
|
$340
|
$422
|
|
|
$455
|
$495
|
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$309
|
$1,366
|
|
|
$331
|
$1,426
|
|
|
$340
|
$1,604
|
|
|
$330
|
$1,859
|
|
|
$501
|
$2,021
|
The cheapest car insurance in San Angelo by driving record
Your driving record is one of the most significant factors that influences your car insurance rates in San Angelo. Insurers typically view drivers with clean records as lower risk and reward them with lower premiums. Conversely, drivers with violations, such as speeding tickets, accidents or DUIs, usually face higher premiums due to the increased risk they present. Understanding how different infractions can affect your rates can help you make more informed decisions and possibly find ways to mitigate these costs through various discounts or driving programs.
Car insurance with a speeding ticket in San Angelo
Receiving a speeding ticket in San Angelo can lead to a noticeable increase in your car insurance premiums. Insurers generally view speeding violations as an indication of risky driving behavior, which increases the likelihood of future claims. As a result, San Angelo drivers with a speeding ticket pay average full coverage car insurance rates that are 12 percent more than those for drivers with clean records.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$362
|
$1,548
|
|
|
$399
|
$1,802
|
|
|
$404
|
$1,668
|
|
|
$499
|
$2,210
|
|
|
$514
|
$2,828
|
Car insurance after an accident in San Angelo
Having an at-fault accident on your driving record in San Angelo typically leads to a significant hike in your car insurance premiums for three to five years. In San Angelo, drivers with an at-fault accident see average premiums that are 54 percent more compared to the city average. Despite this increase, shopping around and comparing quotes can help you find the most affordable options.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$447
|
$1,896
|
|
|
$458
|
$1,831
|
|
|
$581
|
$2,484
|
|
|
$745
|
$3,737
|
|
|
$805
|
$3,109
|
Car insurance after a DUI in San Angelo
Not all carriers will extend coverage to drivers with DUIs, and those that do often increase rates substantially for drivers with this type of violation. San Angelo drivers with DUIs pay average full coverage rates that are 48 percent more than the city average. Finding affordable insurance after a DUI can be challenging, but some insurers specialize in high-risk policies and may offer more manageable rates.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$496
|
$1,962
|
|
|
$504
|
$2,604
|
|
|
$539
|
$2,317
|
|
|
$586
|
$2,224
|
|
|
$632
|
$2,259
|
Minimum coverage requirements in San Angelo
Driving in Texas, including San Angelo, requires you to have at least the state-mandated minimum car insurance coverage to legally operate a vehicle. This minimum coverage helps protect you financially in case of an accident, ensuring that you can cover the costs of damage or injuries you may cause. Here are the key requirements and considerations:
- Liability insurance: Texas law mandates that all drivers carry liability insurance, which covers bodily injury and property damage caused to others in an accident where you are at fault. The minimum liability coverage required is:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $25,000 for property damage per accident
- Proof of insurance: You must carry proof of your insurance policy in your vehicle at all times. Failure to provide proof of insurance when requested by law enforcement can result in fines and penalties.
Driving without the required insurance in San Angelo can lead to significant penalties, including fines, license suspension and the requirement to file an SR-22 certificate, which signifies you carry the state-mandated coverage for high-risk drivers. Ensuring you have at least the minimum required coverage helps you avoid these penalties and provides a basic level of financial protection.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze July 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
