San Angelo, TX Car Insurance

What is the average cost of car insurance in San Angelo?


The average cost of auto insurance in San Angelo is $1,217 per year. That's cheaper than the statewide average in Texas ($1,415) and less expensive than the national average of $1,548. Our guide to San Angelo auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


CAR INSURANCE RATES IN SAN ANGELO
San Angelo Average (annual)Texas AverageNational Average
$1,217$1,415$1,548

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San Angelo car insurance premiums by provider


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. Don't forget to get car insurance quotes based on your unique driving profile.


SAN ANGELO CAR INSURANCE PREMIUMS BY COMPANY
InsurerAverage Annual Rate
State Farm$1,032
GEICO$1,048
USAA$1,083
Allstate$2,012

Consult our expert guide to finding the best cheap car insurance.



Car insurance rates by age bracket in San Angelo

The best age for car insurance rates as a driver in San Angelo is your age_50s: drivers in this age group pay an average of $1,045per year. Those in their age_60s don't pay significantly more ($1,068).

The San Angelo drivers who pay the highest insurance rates are teenagers. When drivers hit 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 PREMIUMS BY DRIVER AGE
Age groupAverage Yearly Rate
Teenagers$2,967
20s$1,573
30s$1,196
40s$1,162
50s$1,045
60s$1,068
70s$1,281

Learn more about how age influences auto insurance rates.



San Angelo auto insurance costs by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in San Angelo pay $91 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in San Angelo, single drivers pay more than those who are widowed.

Gender is another factor that can impact auto insurance costs. The typical male driver in San Angelo pays $23 more each year for car insurance than does his female counterpart.


SAN ANGELO CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$1,194
Male$1,217
Single$1,126
Married$1,126
Divorced$1,217
Widowed$1,102

Learn more about how gender and marital status have on insurance rates.



San Angelo auto insurance costs by accident and citation history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, 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 $624per year in extra insurance expenditures.


SAN ANGELO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Yearly Rate
DUI/DWI$1,841
Reckless Driving$1,826
At-fault Accident (damages < $1,000)$1,510
At-fault Accident (damages > $2,000)$1,800
Speeding Ticket (16-20 mph over speed limit)$1,321

Get more info on how a bad driving history can impact your car insurance costs.



San Angelo auto insurance rates by credit level


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 $1,027 in savings on insurance premiums each year.


SAN ANGELO AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
Credit TierAverage Rate (annual)
Very Poor$2,542
Fair$1,515
Good$1,217
Very Good$1,131
Exceptional$1,012

Get additional information on how credit impacts car insurance costs.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.