Best cheap car insurance in San Angelo
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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.
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Compare auto insurance rates
Save on auto insurance with quotes from trusted providers like:
Drivers switch & save an average of $750+/year
Are you overpaying for auto insurance?
Safe drivers choose Allstate®
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.
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
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
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
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
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
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Finding the best car insurance company is different for each driver and depends on what is most important to each one. For you, it may come down to which company offers the cheapest rates, or it could be a decision based on which insurer has the best reputation for customer service. Car insurance is highly personal, which means choosing the right one should be based on what works best for your circumstances.
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Texas requires a minimum amount of liability insurance coverage to legally drive, but insurance agents recommend purchasing above the required minimums for greater financial protection. To understand how much car insurance you need, it may be helpful to balance the coverage options best suited for you with your personal budget. Since a collision can quickly exceed coverage limits and damages may fall outside your elected coverage types, it’s typically recommended to have the most insurance you can reasonably afford to avoid financial catastrophe.
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There are numerous ways to save on car insurance in San Angelo or other cities in Texas. In addition to comparing multiple providers to see which one offers the lowest rates, be sure to take advantage of as many discounts as possible. Bundling policies and adding multiple vehicles are two examples of ways to save significantly. Other savings opportunities may come from raising your deductible for comprehensive and collision coverage. A higher deductible typically means lower insurance premiums, although it does mean you are assuming a higher degree of financial responsibility in the event of a claim.
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Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 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 2020 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.
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