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