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The Best Auto Insurance for San Angelo, TX

Find the best auto insurance in Western Texas

Best for Air Force Families
USAA Logo 2023

USAA offers low rates and excellent customer service to the military, veterans, and military families who work or study at San Angelo’s Goodfellow Air Force Base.

Best Local Agents
Allstate Logo 2023

Allstate’s local agents know the ins and outs of your neighborhood. We recommend working with an agent for the best rates and discounts on your auto insurance policy.

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The city of San Angelo has a population of 118,182. San Angelo is home to Angelo State University, Fort Concho, and Goodfellow Air Force Base, as well as the San Angelo Stock Show and Rodeo. Individuals and families looking for the best auto insurance policy in the San Angelo metropolitan area should look no further than the list below.

The Best Auto Insurance in San Angelo, Texas

  1. 1.

    Best for Air Force Families: USAA

  2. 2.

    Best Local Agents: Allstate

  3. 3.

    Best for Homeowners: Farmers

  4. 4.

    Best for Gig Workers: Toggle

Comparison of the Best Auto Insurance in San Angelo, Texas

Provider What it’s best for J.D. Power customer satisfaction rating (out of 1,000)1 Discounts available Average annual cost of insurance Review
USAA Air force families Not ranked Driving history, good student, multi-car, multi-policy, new car, vehicle equipment, vehicle storage $2,4122 USAA review
Allstate Local agents 832 Driver training, good student, multi-policy, new car, paid in full, paperless, safe driving, vehicle equipment $1,673 Allstate review
Farmers Homeowners 819 Safe driving, good student, homeownership, hybrid/electric vehicle, military, multi-car, multi-policy, new car, paid in full, paperless, vehicle equipment, young driver, shared family car $1,878 Farmers review
Toggle Gig workers Not ranked Homeowner, good student, accident/claims free, vehicle equipment, multi-policy Review coming soon


The minimum car insurance requirements in Texas are $30,000 per person/$60,000 per accident bodily injury liability and $25,000 in property damage liability. You need a Texas car registration before you purchase auto insurance.

Detailed List of the Best Auto Insurance in San Angelo, Texas

1. Best for Air Force Families - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

San Angelo is home to Goodfellow Air Force Base, established in 1940. The base serves over 12,500 people and graduates 10,000 students per year. Service members, veterans, and their families benefit from USAA’s cost-effective coverage and strategic discounts. The company ranks highly in Texas auto insurance for customer satisfaction and offers a full complement of online services.

ProsWho It's Best For
ConsWho It's Not Best For
  • con
    Non-USAA members
  • con
    Non-military members or families

Military On-Base Benefits

USAA offers a military on-base discount of up to 15 percent on your comprehensive coverage when you garage your car on base. It also offers a vehicle storage discount of up to 60 percent on your premium if you need to store your insured vehicle in a secure location while traveling for military service. Another benefit for active-duty military is USAA’s low-mileage program with Noblr, a USAA company. This usage-based program charges based on how much and how safely you drive, so you pay less if you don’t drive your car often (or at all) while on base or deployed outside of San Angelo.

Customer Satisfaction

J.D. Power isolates Texas for its annual customer satisfaction survey. USAA is not ranked among the other companies in the state because it does not meet the study award criteria; however, the data collected in the survey reveals that the company’s customers rank it highly. USAA received an 885 out of 1,000. While focused on a very specific clientele, USAA provides its Texas clients with the highest degree of customer service.

Aviation Insurance

Goodfellow Air Force Base is a nonflying base focused on air education and training command; however, if you need aviation coverage — whether to fly, repair, maintain, or manufacture aircraft — USAA provides coverage options through Falcon Insurance.

2. Best Local Agents - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

Allstate is one of the largest insurance providers in the country, but it works with local agents who know your neighborhood. Allstate’s range of policies — including coverage for motorhomes, RVs, and classic cars — and its easy online quote process complement the localized service you get from Allstate’s agents.

ProsWho It's Best For
  • pro
    Teen drivers and their parents
  • pro
    People who want to bundle home or renters and auto insurance
  • pro
    Drivers visiting Mexico
ConsWho It's Not Best For
  • con
    Hybrid or electric vehicle owners
  • con

Mexico Coverage

San Angelo is only a three-hour drive from the Mexican border and less than a day’s drive from popular cities in Mexico like Monterrey and Chihuahua. Whether you’re traveling for work or on your personal time, your auto insurance won’t cross the border with you. Allstate works with insurance companies in Mexico to provide coverage for medical bills and car repairs if you’re in a car accident while visiting Mexico. Ask your agent about purchasing this optional coverage before you start your next road trip.

Local Agents in San Angelo

In San Angelo, there are eight Allstate agents across the city. There are a couple of benefits to working with an actual person to purchase your policy. Local insurance agents are more involved in the community, meaning they have a deeper understanding of what local drivers need in terms of coverage. Insurance agents can typically get lower car insurance rates, less-restrictive policies, and better insurance claims settlements than if you go through online or phone customer support.

Commercial Policies for Business Owners

If you own your own business in San Angelo, Allstate offers up to 20 percent off on auto insurance for your business vehicles. Commercial auto insurance provides coverage for car accidents and damages incurred during business-related activities. Your personal auto insurance plan will not cover you or your employees, but you can insure both your personal and business vehicles with Allstate.

3. Best for Homeowners - Farmers

What We Like Most:

  • Keeps rates low after one accident
  • Rental coverage available if your car is out of commission
  • More coverage options for damaged parts

Farmers is a very large insurance company, servicing over 19 million policies. It offers robust coverage and add-ons, including towing and roadside assistance, rental car reimbursement, custom equipment, and new-car replacement. Farmers has over 48,000 agents nationwide, including more than 10 agents in San Angelo alone.

ProsWho It's Best For
  • pro
    Business owners who need commercial insurance
  • pro
    Homeowners who need an auto policy
  • pro
    Rideshare drivers
ConsWho It's Not Best For
  • con
    People looking for the cheapest auto insurance policy
  • con
    Drivers who financed/leased their vehicle and need gap insurance

Homeowner Discount for Everyone

San Angelo’s median house sale price is 52 percent lower than the national average, according to Redfin.3 If you are in the market or own a home in the city, Farmers offers discounts that cater to homeowners. Its homeowner discount applies whether or not the company insures your home. Bundling your home and auto insurance under Farmers can increase your savings and help you manage your policies and payments. Farmers has a multiline discount for life and umbrella insurance policies, as well as a multi-vehicle discount. Bundling can save you up to 10 percent or more on both products.

Business Insurance Offerings

Farmers offers commercial auto insurance, as well as cyber, general liability, workers’ compensation, business, and commercial property insurance. San Angelo business owners can secure and grow their businesses with Farmers’ wide range of insurance products.


Homeowners insurance is not required by law in Texas, but your mortgage lender will likely require a certain amount of insurance coverage to get a home loan. Homeowners insurance protects your home from fire, vandalism, theft, lightning strikes, wind, hail, explosions, falling objects, snow, and ice.

Rideshare Insurance

Rideshare services are ubiquitous throughout the state of Texas. If you drive for Uber, Lyft, or another service, Farmers offers rideshare coverage to fill the gap between your personal coverage and your commercial activities. This is important during the time between when you log in to a rideshare company’s app and when you’re matched with a rider — during which time your personal auto policy excludes coverage and the rideshare company’s liability coverage hasn’t begun.

4. Best for Gig Workers - Toggle
Toggle Logo

Toggle, founded in 2018 to focus on renters insurance, is a member of the Farmers Insurance family. The service offers three subscription levels: basic, standard, and premium. It provides simple and customizable coverage options through its online platform, including auto insurance, pet insurance, and side hustle coverage.

ProsWho It's Best For
  • pro
  • pro
    Tech-savvy drivers
  • pro
    Gig workers
  • pro
    Safe drivers
ConsWho It's Not Best For
  • con
    People looking for discounts
  • con
    Drivers with nonstandard policy needs

Side Hustle Add-on

Toggle offers a unique add-on for side hustles that generate less than $25,000 per year, providing business property and loss-of-income coverage for your side gig. Many people make extra money or pursue their passions on the side. Toggle’s side hustle coverage helps pay for things like cameras, laptops, and sound equipment for bloggers, writers, DJs, and more. It also covers personal injury for social influencers and lost wages due to a covered loss.

Declining Deductible

As the name implies, Toggle auto is customizable; you can quickly turn on and off certain coverages and options for auto insurance. It doesn’t offer much in the way of discounts, but it does offer a declining deductible feature that reduces your policy’s deductible amount for each year you remain claims-free.


We chose the best auto insurance providers for residents and drivers in San Angelo, Texas, using a three-pronged approach:

  • Company information: We analyze data about each company and the car insurance it provides, including information surrounding coverages and discounts. We also take into account third-party customer satisfaction and financial strength ratings from AM Best, the Better Business Bureau, J.D. Powder, Moody’s, the National Association of Insurance Commissioners, and Standard & Poor’s.
  • Proprietary data: Given that has been connecting people to car insurance providers for over 20 years, we have collected millions of data points surrounding transactions when someone signs up for a policy. We analyze our data to find out which customers had the most success with which companies. Not every company caters to every type of customer, so by specifying each company’s demographic, we save customers time in considering companies that won’t cover them for whatever reason.
  • Institutional knowledge: After covering the auto insurance industry for over two decades, we’ve amassed institutional knowledge regarding each insurance provider, its strengths, and weaknesses. More specifically, we consult with Paul Ford, the president of insurance at Centerfield,’s parent company. Paul has spent nearly three decades working in the insurance industry, with tenures at Canadian Access, Inslogic, Capital One Insurance Services, NetQuote, Bankrate, and Datalot. We leverage Paul’s extensive knowledge of car insurance to help customers find the perfect policy.

Auto Insurance FAQ

Who has the cheapest car insurance in Texas?

The cheapest car insurance in Texas depends on your gender, marital status, military status, coverage requirements, credit score, age, and other demographic information. We found that State Farm, GEICO, USAA, Texas Farm Bureau, Commonwealth Casualty, and Clearcover offer some of the cheapest auto insurance rates in Texas.

What is the average cost of car insurance per month in Texas?

The average cost of car insurance per month in Texas is $90, which is 4 percent higher than the national average.

How can I lower my car insurance in Texas?

You can lower your car insurance in Texas by paying upfront, keeping your mileage low, driving safely, taking advantage of discounts from your provider, lowering your limits, and dropping unnecessary coverages. You can also raise your deductible to lower your monthly premium.


  1. Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds. J.D. Power. (2022, Jun 13).

  2. Texas Car Insurance. USAA. (2024).

  3. San Angelo, TX Housing Market. Redfin. (2024).