For the more than 100,000 residents of San Angelo, Texas, we found that the best cheap car insurance companies include State Farm, Geico and Mercury, based on our analysis of data from Quadrant Information Services. Bankrate reviewed several insurance providers throughout the area and found the average cost of full coverage insurance is $1,570 annually, or $131 monthly, and that minimum coverage averages around $403 per year. While these rates are below the national average cost of car insurance, finding the best cheap car insurance in San Angelo may still be a priority for many drivers in the area.

Compare rates and save on auto insurance today!

Close X
Advertising Disclosure
This advertisement is powered by, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon Created with Sketch.

Save on auto insurance with quotes from trusted providers like:


Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?


Safe drivers choose Allstate®

Powered by (NPN: 19966249)
Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. 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.

See more providers in
Choose from insurers in

Best cheap car insurance companies in San Angelo

Our research found that State Farm, Geico and Mercury offer some of the cheapest rates in San Angelo, based on quoted annual premium data. In addition to cheap rates, our analysis revealed these companies offer several advantages for drivers, ranging from a variety of coverage options and discounts, to favorable third-party scores for customer service and financial strength ratings. This information was compiled by our insurance editorial team, who calculated a Bankrate Score for each company based on a five-point scale. The Bankrate Score can help provide a more comprehensive and efficient metric of each company so you can decide which may be the best car insurance options to consider for your insurance needs.

Insurance company Bankrate Score J.D. Power score Average annual premium for full coverage Average annual premium for minimum coverage
State Farm 4.7 851/1,000 $1,053 $319
Geico 4.7 843/1,000 $1,149 $304
Mercury 4.2 Not rated $1,252 $328
USAA* 5 885/1,000 $1,275 $321
Esurance 4.2 Not rated $1,347 $405

*Not officially ranked with J.D. Power due to eligibility restrictions

State Farm

State Farm is the number one auto insurer in the country according to market share data from the Insurance Information Institute (Triple-I). Additionally, its low rates and generous discounts make it an attractive option for San Angelo drivers to potentially consider. It offers a fairly standard listing of discounts and plenty of coverage options so you can craft the best policy for your own unique needs. However, gap insurance is not available as a policy add-on. Still,

State Farm’s full coverage rates are the cheapest on our list and the company scores above-average for customer service in Texas, according to the 2022 J.D. Power study.

Learn more: State Farm Insurance review


Geico offers highly-competitive rates to San Angelo drivers, with discounts that focus on safety and other aspects of driving. If you are stationed at Goodfellow Air Force Base, you may be interested in the 15% military discount that Geico offers, as well as 25% off for emergency deployment. Geico doesn’t have a ton of optional coverage types, but you can customize your policy with emergency road service, rental reimbursement and mechanical breakdown insurance.

Learn more: Geico Insurance review


Mercury insurance offers some of the cheapest rates in San Angelo, Texas, coming in with rates well-below the average. Although the company is not ranked in the 2022 J.D. Power survey, Mercury does earn an A (Excellent) rating with AM Best, indicating the financial strength of the company and the historical ability to payout claims. Mercury offers the standard coverage options drivers need, but includes a few optional add-ons, such as rideshare coverage. The strong local agent network and robust digital resources offer conveniences to fit your communication needs.

Learn more: Mercury Insurance review


USAA sells insurance to military members, their eligible family members and veterans. For those who qualify, the policies and personalized experiences oriented towards military life are unique. The company is well-known for customer service and its average annual price for minimum coverage insurance for San Angelo drivers is considerably less than the citywide average. USAA also has a vibrant and supportive online community of military policyholders who provide support around insurance and other military issues.

Learn more: USAA Insurance review


Esurance’s rates are competitive in San Angelo and caters to those looking for a digital insurance provider. Esurance operates almost exclusively online or through its mobile app, but still provides a full menu of coverage options for drivers. Discounts are plentiful and drivers may find additional savings through its DriveSense program. This is a mobile app that tracks your driving performance and habits and based on the feedback, also offers additional savings for safe driving. Since Esurance tailors its offerings to those who are more tech-savvy, it may not be the best choice for those who prefer the traditional agent experience with their car insurance.

Learn more: Esurance Insurance review

How to get and keep the cheapest car insurance in San Angelo

Finding the cheapest car insurance in San Angelo is one task, but knowing how to keep the affordable rates over time is another important step for drivers.

Keep these tips in mind when shopping for new rates or maintaining low rates in the long run:

  • Compare multiple providers. Shopping around for multiple quotes from at least three providers not only gives you an idea of what you’ll pay for your coverage needs, but it also helps you understand what it’s like to work with that specific company. Rates can vary from one company to another, so comparing them periodically will help ensure you have the cheapest rates every year.
  • Maintain a clean driving record. Not only does maintaining a clean driving record keep you and your passengers safer on the road, it could help you save money. Drivers with a blemish-free driving record typically receive the lowest rates and often qualify for additional savings with safe driving discounts.

Frequently asked questions