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 looked at several insurance providers across the region and found that the average cost of full coverage insurance is $1,570 per year, or $131 per month, and minimum coverage averages $1,000. about $403 per year. Although these rates are lower than the national average cost of car insurance, finding the best cheap car insurance in San Angelo can still be a priority for many area drivers.
Best Cheap Auto Insurance Companies in San Angelo
Our research revealed 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 fares, our analysis revealed that these companies offer several benefits to 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 complete and effective measure of each company so you can decide which may be the best auto insurance options to consider for your insurance needs.
*Not officially ranked with JD Power due to eligibility restrictions
State Farm is the nation’s top auto insurer according to market share data from the Insurance Information Institute (Triple-I). Plus, its low rates and generous discounts make it a worthwhile option for San Angelo drivers to consider. It offers a fairly standard list of discounts and plenty of coverage options so you can craft the best policy for your own needs. However, gap insurance is not available as a policy top-up. 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 JD Power study.
Learn more: State Farm Insurance Review
Geico offers very competitive rates for San Angelo drivers, with discounts focused on safety and other aspects of driving. If you’re stationed at Goodfellow Air Force Base, you may be interested in the 15% military discount offered by Geico, as well as a 25% discount for emergency deployment. Geico doesn’t have a ton of optional coverage types, but you can customize your policy with emergency roadside service, rental reimbursement, and mechanical breakdown insurance.
Learn more: Geico Insurance Review
Mercury Insurance offers some of the cheapest rates in San Angelo, TX with rates well below average. Although the company is not ranked in the 2022 JD Power survey, Mercury earns an A (Excellent) rating with AM Best, indicating the company’s financial strength and historical ability to pay claims. Mercury offers the standard coverage options drivers need, but includes a few optional add-ons, such as ride-sharing coverage. The strong local agent network and robust digital resources provide conveniences to meet your communication needs.
Learn more: Mercury Insurance Review
USAA sells insurance to military personnel, eligible family members, and veterans. For those who qualify, policies and personalized experiences geared towards military life are unique. The company is well known for its customer service, and its average annual price for minimum coverage insurance for San Angelo drivers is considerably lower than the city average. USAA also has a vibrant and supportive online community of military insureds who provide assistance with insurance and other military issues.
Learn more: USAA Insurance Review
Esurance’s rates are competitive in San Angelo and cater to those looking for a digital insurance provider. Esurance works almost exclusively online or through its mobile app, but still provides a comprehensive menu of cover options for drivers. Discounts are plentiful, and drivers can find additional savings through its DriveSense program. It is a mobile application that tracks your performance and driving habits and based on 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 experience of a traditional agent with their auto insurance.
Learn more: Esurance Insurance Review
How to Get and Keep the Cheapest Auto Insurance in San Angelo
Finding the cheapest auto insurance in San Angelo is a task, but knowing how to keep rates affordable over time is another important step for drivers.
Keep these tips in mind when researching new fares or keeping long-term fares low:
- Compare multiple providers. Researching 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 company to company, so comparing them periodically will help ensure you have the cheapest rates each year.
- Maintain a clean driving record. Not only does maintaining a good driving record keep you and your passengers safer on the road, it can also help you save money. Drivers with a clean driving record generally receive the lowest fares and are often eligible for additional savings through safe driving discounts.