Best cheap car insurance in San Angelo

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The 100,000+ residents of San Angelo, Texas have an average commuting time of 17 minutes, which is lower than the U.S. average of 25 minutes, but still means there is a risk of accidents on a daily basis. Despite lower commuting times, Tom Green County had a total of 2,715 crashes in 2018, with 12 fatalities.

Drivers seeking financial protection may be looking for good car insurance San Angelo, which costs an average of $412 a year for minimum coverage and $1,610 a year for full coverage. To find the best car insurance in San Angelo, drivers may look at factors such as cost, customer service, financial stability and available discounts, among others.

Best car insurance companies in San Angelo

Determining the best car insurance companies may mean prioritizing cheap car insurance quotes or ensuring providers are affordable based on available discounts. For drivers who value customer service, third-party rating agencies, such as J.D. Power can lend insight. Some providers specialize in offering a wide range of coverage options that allow you to customize your policy for your own unique circumstances. Based on these factors, Bankrate evaluated these top providers for car insurance in San Angelo to assist in your review.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Allstate 876/1,000 $404 $1,457
Geico 871/1,000 $316 $1,143
Nationwide 876/1,000 $384 $1,122
State Farm 881/1,000 $416 $1,178
USAA 890/1,000 $299 $1,162

Allstate

Allstate features standard coverage options like collision and comprehensive, along with some non-standard coverages, such as classic car insurance and coverage if you are driving to Mexico. The company’s discounts include several specific to young drivers, an early signing discount and the Drivewise program, which promises to save you up to 40% off your premium if you’re a safe driver. Allstate’s website lets you manage your account and file a claim digitally, saving you time and effort.

Geico

Geico offers highly-competitive rates to San Angelo drivers, with discounts that focus on safety and more. 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 coverages, but you can customize your policy with emergency road service, rental reimbursement and mechanical breakdown insurance.

Nationwide

Nationwide’s coverage options include towing and labor coverage, rental car expense and gap coverage, which applies if you still owe money on your car when it is totaled. Accident forgiveness is also available, which helps you avoid a rate increase after an at-fault accident. For further savings, the vanishing deductible gives you $100 off your deductible for each year of safe driving (up to limits). Those features combined with a good handful of discounts may help keep your auto insurance rate low in San Angelo.

State Farm

State Farm is the number one auto insurer in the country by market share, and its low rates and generous discounts make it an attractive option for San Angelo drivers to at least consider. It offers a fairly standard listing of discounts and plenty of coverage options so you can have the best policy for your own unique needs. Although State Farm’s rates were the highest among our five picks, they are still at or under the San Angelo average, and the company tends to receive excellent ratings for customer service, according to J.D. Power.

USAA

USAA sells insurance to military members, their families and veterans; for those who qualify, the policies and customized experiences oriented towards military life are unique. The company is well-known for customer service, and its average price for minimum coverage insurance for San Angelo drivers was the lowest of any company we reviewed. USAA also has a vibrant and supportive online community of military policyholders who provide support around insurance and other military issues.

Cheapest car insurance in San Angelo

The average cost of car insurance in San Angelo is $412 a year for minimum coverage and $1,610 a year for full coverage, which also includes collision and comprehensive coverage. These costs are well below the overall Texas averages of $524 for minimum coverage and $1,823 for full coverage; they are also below the U.S. averages of $565 and $1,674 for minimum and full coverage respectively.

Perhaps it’s not surprising that the five cheapest car insurance companies in San Angelo are the same as the companies on our best-of list (chosen by market share and other variables), since price pays a big role in determining which company may be the best fit for you.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $299 $1,162
Geico $316 $1,143
Nationwide $384 $1,122
Allstate $404 $1,457
State Farm $416 $1,178

Although USAA offers the lowest prices, all five of these companies come in below the San Angelo averages for cost. All five also score well on J.D. Power’s influential Auto Claims Satisfaction Study, although State Farm and USAA tend to receive the highest scores overall. Geico is at the top of the list for available discounts, with 16 listed for drivers, followed by Allstate with 14 specified auto discounts.

San Angelo insurance requirements

Like most states, Texas requires that drivers carry a minimum amount of liability insurance, which is often written 30/60/25 and reflects the following:

  • $30,000 in bodily liability coverage, to pay for a single person’s injuries following an at-fault accident.
  • $60,000 total bodily liability coverage, which is what your insurer would pay for all injuries, if more than one person is injured in an at-fault accident.
  • $25,000 in property damage liability, which is the maximum your insurer would pay for damage to the other vehicle or stationary objects such as a light post in an at-fault accident.

If you have a car loan or lease your vehicle, you may also be required to carry collision and comprehensive coverage, which includes a deductible and would be payable if you damage your own car in an accident or other mishap.

If you can afford it, experts recommend you consider purchasing more than the minimum liability. If you were in a serious accident with multiple injuries, the minimums would not go far in covering hospital bills, surgery or other medical costs. $25,000 for property damage liability would also potentially not be enough if you totaled a newer or more expensive vehicle.

Car insurance discounts in San Angelo

Getting the cheapest car insurance in San Angelo is possible for most drivers that take advantage of the discounts offered by most providers. Common discounts that are available to Texas drivers include those for:

  • Safety features: If your car has running lights, airbags, anti-lock brakes or other safety features, your insurer may reward you with one or more discounts.
  • Good students: Insurance for young drivers is typically high, but discounts for good grades (usually a “B” average or better) can sometimes offset rates. Attending college more than 100 miles from home may also net an additional discount from some providers.
  • Usage-based discounts: These telematics discounts require you to download an app or install a device in your car that monitors your driving in real-time. If you prove to be a safe, careful driver, you can potentially save upwards of 30% on your premium, depending on the provider.
  • Bundling: If you like your insurer, consider using it for both car and homeowners or renters insurance. Bundling policies can often result in a small discount to both premiums.
  • Anti-theft devices: if you have a car alarm, steering wheel lock or other device to discourage theft, you can potentially save 5% or more on the premium for your comprehensive coverage.

Frequently asked questions

What is the best car insurance company?

There’s no one company that is right for everyone. Your best strategy for finding a great company for your needs is to take a look at the best car insurance companies in the country and get quotes from several of them to see who offers you the best rate and best service options.

How much does car insurance in San Angelo cost?

The average annual cost of car insurance in San Angelo is $412 for minimum coverage and $1,610 for full coverage, which is liability plus collision and comprehensive. It is typically recommended by experts to purchase more than the minimum liability to cover you adequately in the event of a serious accident.

How much car insurance do I need in San Angelo?

You need at least 30/60/25 liability coverage to drive legally in San Angelo, Texas. You may also need collision and comprehensive insurance if you lease your car or have a car loan. Higher amounts of liability coverage and other, optional coverages are also available from your insurer.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Mary Van Keuren
Insurance Contributor
Mary Van Keuren has written for insurance domains such as Bankrate.com, Coverage.com and Thesimpledollar.com for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including reviews.com and myslumberyard.com. Prior to that, she worked as a writer in academia for several decades.