For the more than 100,000 residents of San Angelo, Texas, we found that the best cheap auto insurance companies are State Farm, Geico, and Mercury, based on our analysis of data from Quadrant Information Services. Bankrate reviewed several insurance companies across the area and found that the average cost of full coverage insurance is $1,570 per year or $131 per month, and minimum coverage averages around $403 per year. While these rates are below the national average cost of auto insurance, finding the best cheap auto insurance in San Angelo can still be a priority for many motorists in the area.
Best Cheap Auto 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 stated annual premium data. In addition to cheap fares, our analysis found that these companies offer a variety of benefits to drivers, ranging from a variety of coverage options and discounts to favorable third-party customer service scores and financial strength ratings. This information was compiled by our insurance editors, 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 measure of each company so you can decide which are the best auto insurance options to consider for your insurance needs.
*Not officially ranked at JD 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). Plus, the low fares and generous discounts make it an attractive option for San Angelo drivers to potentially consider. It offers a fairly standard list 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 an additional policy. Still,
State Farm’s full coverage rates are the cheapest on our list, and the company ranks above average for customer service in Texas, according to the 2022 JD Power study.
Learn more: Review of state farm insurance
Geico offers very competitive rates to San Angelo drivers, with discounts focused on safety and other aspects of driving. If you’re stationed at Goodfellow Air Force Base, you might be interested in the 15% military discount that Geico offers, as well as a 25% discount for emergency deployment. Geico doesn’t have many optional coverage types, but you can customize your policy with roadside assistance, rental reimbursement, and mechanical breakdown insurance.
Learn more: Geico insurance review
Mercury insurance offers some of the cheapest rates in San Angelo, Texas, with rates well below average. While not ranked in the 2022 JD Power survey, Mercury does earn an A rating (Excellent) from AM Best, indicating the company’s financial strength and historical ability to pay claims. Mercury offers the basic coverage options drivers need, but includes a few optional add-ons, such as rideshare coverage. The strong local agent network and robust digital resources provide the convenience to meet your communication needs.
Learn more: Review Mercury Insurance
USAA sells insurance to military members, their eligible family members, and veterans. For those who qualify, the policies and personalized experiences focused on military life are unique. The company is known for its customer service, and the average annual price for minimum coverage insurance for San Angelo drivers is significantly lower than the city average. USAA also has a vibrant and supportive online community of military policyholders who provide assistance with insurance and other military issues.
Learn more: Review of USAA insurance
Esurance’s rates are competitive in San Angelo and cater to those looking for a digital insurer. Esurance operates almost exclusively online or via the mobile app, but still offers a full menu of coverage options for drivers. Discounts abound and drivers can save extra through the DriveSense program. This is a mobile app that tracks your driving performance and habits and also provides additional savings for safe driving based on the feedback. 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 auto insurance.
Learn more: Esurance Insurance Assessment
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 rates affordable over time is another important step for drivers.
Keep these tips in mind when buying new rates or maintaining low rates over the long term:
- Compare multiple providers. Looking around for multiple quotes from at least three providers not only gives you an idea of what you’re paying for your coverage needs, but it also helps you understand what it’s like to work with that particular company. Rates can vary from company to company, so comparing them regularly will ensure you get the cheapest rates every year.
- Keep a clean driving record. Maintaining a clean driving record not only keeps you and your passengers safer on the road, it can also help you save money. Drivers with impeccable driving usually get the lowest fares and often qualify for additional savings with safe-driving discounts.