The Best Auto Insurance for San Angelo, TX

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.

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.

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.

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.

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.

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.

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.

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.

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.