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How much is car insurance in San Angelo?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Texas, coverage in San Angelo is about $20 a month cheaper.
Drivers relocating from out of state may enjoy some cost savings in San Angelo. Auto insurance coverage in San Angelo is about $36 cheaper than it is for the rest of the United States.
Although these are the average monthly costs for an auto insurance policy in San Angelo, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for San Angelo and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may rise again in San Angelo.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in San Angelo is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in San Angelo with a single accident on their record is about $58 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $47 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$42|
If you look at the first table above, the cheapest vehicles to insure in San Angelo are typically cars, trucks, and vans, at $45 per month.
The rate for SUV owners, on the other hand, is closer to $46 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In San Angelo, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
Generally, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. San Angelo is no exception, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Another factor that comes into play is your housing status. If you rent your home or apartment in San Angelo, expect to pay around $5 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in San Angelo, TX
Recent trends in car insurance for San Angelo drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In San Angelo, the rates for auto insurance rose from 2017-2018, when they hit a high of $54. This changed in 2019, when insurance rates started to decrease. They reached a low of $34 in 2020, and finished down in 2022, at $45 per month.
How does San Angelo compare to neighboring areas?
Why are car insurance rates in San Angelo different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Off-street parking accessibility
- Number of drivers in the area
- Road safety
- Area crime rates
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in San Angelo?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in San Angelo.
San Angelo Insurance FAQs
What factors affect car insurance quotes in San Angelo?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in San Angelo different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in San Angelo?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to San Angelo?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to San Angelo or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.