The best car insurance in San Angelo, TX

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Published November 3, 2021

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The city of San Angelo, a smaller city in central Texas, is known for the Concho River and its surrounding nature trails. The average cost of full coverage car insurance in San Angelo is $1,529. This is significantly cheaper than the Texas state average, which comes in at $1,840.

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The best way to find the most affordable coverage is to compare quotes from a number of insurance companies. Policygenius can help you find options from the top providers and choose the coverage that's right for you.

Key Takeaways

  • The company with the lowest average rate for full coverage car insurance in San Angelo is State Farm, at $976 a year.

  • The cheapest San Angelo ZIP code for insurance rates is 76901.

  • The minimum requirements for Texas drivers are $30,000 per person/$60,000 per accident bodily injury liability and $25,000 property damage liability.

Cheapest car insurance companies in San Angelo, TX

There are a number of factors used to calculate car insurance rates. Insurance companies look at driver age, driving history, location, and even how much you drive. But rates vary company-to-company, which is why it’s so important to compare quotes from multiple companies before choosing a policy.

Company

Average cost

JD Power Rating

Texas Farm Bureau

$935

--

State Farm

$976

881

Germania Insurance

$1,189

--

GEICO

$1,207

871

USAA

$1,320

890

Cheapest car insurance rates by ZIP code in San Angelo, TX

Each neighborhood has different levels of crime, traffic incidents, even off-street parking. Drivers in more densely populated ZIP codes can typically expect to pay higher rates, simply because more cars on the street means higher odds of an accident or another claim. 

ZIP code

Average cost

76901

$1,605

76903

$1,637

76904

$1,615

76905

$1,640

76908

$1,649

76909

$1,660

Choosing the right car insurance company in San Angelo, TX

Coverage options and overall cost are usually the top factors considered when choosing a car insurance company. But there are a number of other factors that should be considered as well, like customer reviews, digital tools, even how long it takes to get a real person on the phone.

If you're ready to start shopping, Policygenius can help you see quotes from top providers in your area and choose the coverage that's right for you.

Car insurance rates for drivers with driving violations in San Angelo, TX

A clean, or not-so-clean, driving record is also a factor when determining car insurance rates. Companies will typically consider the past 3 to 5 years of a driver's Motor Vehicle Report (MVR) for past infractions, accidents, or incidents.

Violations like a DUI/DWI, improper passing, even failure to stop at a red light can negatively impact a driver's car insurance rates.

Violation

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

USAA

At-fault Accident

$1,562

$1,170

$1,614

$1,889

$2,100

DUI

$3,632

$1,567

$2,686

$2,062

$2,079

Driving with a suspended license

$1,584

$1,368

$2,151

$2,062

$1,933

Driving with an open container

$3,632

$1,489

$1,271

$2,062

$1,594

Driving with expired registration

$1,014

$991

$1,271

$1,449

$1,594

Driving without Lights

$1,014

$991

$1,271

$1,449

$1,594

Failure to show documents

$1,014

$991

$1,271

$1,449

$1,594

Failure to stop at a red light

$1,014

$991

$1,271

$1,449

$1,594

Cheapest car insurance for drivers with bad credit in San Angelo, TX

A bad credit score can also negatively impact potential insurance rates. In many instances, drivers with low credit scores are viewed as higher risk, which leads to higher rates, which is why it’s extra important for drivers with poor credit to shop around for affordable car insurance coverage.

Company

Rates for drivers with bad credit

State Farm

$2,026

Redpoint County Mutual

$2,123

Nationwide

$2,241

Auto Club Group

$2,263

Texas Farm Bureau

$2,337

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Buying car insurance in San Angelo, TX

Drivers in Texas are required to have at least $30,000 per person and $60,000 per accident in bodily liability coverage. Texas drivers must also have a minimum of $25,000 in property damage liability coverage. 

Texas is an at fault state, which means that the insurance company of the driver responsible for an accident will pay for the damages for all parties. If you happen to be involved in an accident but not the party at fault, then your damage or injuries will be covered by the other driver’s insurance company.

How to get cheap car insurance in San Angelo, TX

If quoted insurance rates seem too high, then consider some of the following ways to help lower rates and find cheap car insurance. 

  • Bundle your coverage: Many insurance companies offer discounts if you bundle multiple insurance policies with them, so see if you can get your home, renters, auto, boat, or motorcycle insurance from the same company.  

  • Improve your credit score: Take steps to improve low credit scores, like paying down debt and making all payments on time.

  • Increase your deductible: Raising your insurance deductible can significantly lower your rates, but you may actually have to pay the deductible amount if you ever file a claim.

  • Shop around: Reshop your car insurance at least once a year to make sure you’re not missing out on better rates with another company.

Frequently asked questions

What kind of driving violations have the biggest impact on car insurance rates?

Violations that involve alcohol or other substances often have the biggest impact on insurance rates. Reports that include DUI/DWI and driving with an open container are some of the most costly driving violations to have on your MVR.

Can gender affect my insurance rates?

Gender is one of many determining factors used by car insurance companies, and men sometimes pay slightly more than women for coverage. However, that also depends on factors like driving history and age — and in some states, companies aren’t allowed to use gender as a factor in your rates.

Which ZIP code is the most expensive?

When it comes to average car insurance rates, 76909 is the most expensive ZIP code in San Angelo, TX for a full coverage policy.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.