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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

How much does car insurance cost in San Angelo?

The average cost of auto insurance in San Angelo is $608 per six-months. That's cheaper than the statewide average in Texas ($707) and less expensive than the national average of $880. Our guide to San Angelo auto insurance includes average rates based on age, credit score, and other factors. Read on to learn more!

Car insurance in San Angelo vs. Texas Average 6 Mo. Premium
San Angelo average $608
Texas average $707

The Zebra's key takeaways about car insurance in San Angelo:

  • The average cost of a car insurance policy in San Angelo is $608 per six-month policy — $101 per month.
  • The cheapest company in San Angelo is State Farm ($516).
  • 41% of Zebra customers in San Angelo stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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San Angelo car insurance rates by company

The difference in auto insurance rates from company to company can be substantial. In San Angelo, State Farm provides the most affordable rates for the typical insurance customer. Reference below the top options for affordable insurance in San Angelo. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

Cheapest car insurance companies in San Angelo, TX
Company Avg. 6 Mo. Premium
State Farm $516
GEICO $524
USAA $541
Allstate $1,006

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.

Shop around for the best rates

The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in San Angelo.

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San Angelo auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 29% of San Angelo drivers. The best age for car insurance rates as a driver in San Angelo is your 50s: drivers in this age group pay an average of $522 per six-months. Drivers in their 60s don't pay significantly more ($534).

The San Angelo drivers who pay the highest insurance rates are teenagers. When drivers reach their 20s in San Angelo and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in San Angelo is $1,394, the largest such difference between any two age groups.

San Angelo auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $1,483
20s $786
30s $598
40s $581
50s $522
60s $534
70s $640

San Angelo car insurance rates by credit score

Credit score is often closely correlated with car insurance costs. San Angelo drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 60% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In San Angelo, improving your credit to "Fair" could help you earn $513 in savings on insurance premiums each six months. Our data tells us 39% of drivers in San Angelo have a credit score of average (580-679). 

credit score
San Angelo auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,271
Fair $757
Good $608
Very Good $565
Exceptional $506

San Angelo car insurance rates by violation

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DUIs and DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

San Angelo drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $609 per year versus the city average. A ticket for speeding results in a $103 rate hike while a DWI or DUI violation costs $624 per year in extra insurance expenditures.

San Angelo auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $920
Reckless Driving $913
At-fault Accident (damages < $1,000) $755
At-fault Accident (damages > $2,000) $900
Speeding Ticket (16-20 mph over speed limit) $660

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.