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How much is car insurance in San Angelo?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| San Angelo | $46 |
| TX | $65 |
| United States | $80 |
Compared to the rest of the Texas, coverage in San Angelo is about $19 a month cheaper.
Drivers relocating from out of state may enjoy some cost savings in San Angelo. You can expect to pay about $34 less for your policy in San Angelo than in the rest of United States.
While these are the average car insurance rates for San Angelo, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't sweat it however, we've broken down average rates for San Angelo residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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San Angelo Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $73 |
| 25-34 | $44 |
| 35-44 | $44 |
| 45-54 | Not Enough Data |
| 55-64 | $34 |
| 65+ | $38 |
The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement age in San Angelo.
San Angelo Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $44 |
| Female | $47 |
In general, car insurance rates for women are usually cheaper than they are for men. While this isn't true in San Angelo, the difference in monthly rates is minimal.
San Angelo Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $56 |
| Multiple Accidents | $72 |
| 1 Ticket | $48 |
| Multiple Tickets | $52 |
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in San Angelo with a single accident on their record will usually see rates around $56 a month. Likewise, drivers with one ticket will be looking at a rate of around $48 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
San Angelo Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $48 |
| 2-3 Years | $42 |
| 4-5 Years | $46 |
| 6-7 Years | $47 |
| 8-10 Years | $45 |
| 11-14 Years | $51 |
| 15 Years or Older | $43 |
The cheapest vehicles to insure in San Angelo are by and large cars, with each type typically costing about $45 per month.
SUVs, trucks, and vans, on the other hand, usually cost about $46 to insure their vehicle.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In San Angelo, vehicles eleven-to-fourteen years old are the most expensive to insure.
San Angelo Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $48 |
| Married | $40 |
| Divorced | $39 |
| Widowed | $36 |
Generally, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in San Angelo reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $8 a month.
San Angelo Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $41 |
| Rent | $46 |
| Live with parents | $61 |
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $5 a month more than drivers who own property in San Angelo. 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
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for auto insurance in San Angelo increased from from 2017-2018, when they hit a high of $54. This changed in 2019, when policy premiums started to decrease. They reached a low of $34 in 2020, and finished down in 2022, at $48.
How does San Angelo compare to neighboring areas?
Why are car insurance rates in San Angelo different from other areas?
There are numerous factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Total drivers
- Crime
- Area regulations
- Access to off-street parking
- General road safety (how many accidents each locality has)
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
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 to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in San Angelo.
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San Angelo Auto 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?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in San Angelo?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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.
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