Best Cheap Car Insurance Companies in Arlington, Texas
The five best picks for car insurance in Arlington, Texas, are State Farm, Texas Farm Bureau, USAA, Geico and Allstate. These companies have prices that are lower than average for minimum and full coverage in the city and hold a good reputation for customer service.
Keep reading: Cheap car insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.
How Much Is Car Insurance in Arlington, Texas?
Our data shows that the average cost of car insurance for minimum coverage in Arlington is $62 per month or $745 per year. This is about 19% more than the national average of $52 per month or $627 per year. Full-coverage insurance costs $190 per month or $2,280 per year on average, which is about 14% more expensive than the national average of $167 per month or $2,008 per year.
Cheapest Liability Car Insurance in Arlington, Texas
State Farm offers the cheapest liability insurance with average rates of $34 per month or $412 per year. Texas Farm Bureau is the second-cheapest option in Arlington with average rates of $36 per month or $433 per year.
Liability coverage is the minimum coverage required by the state of Texas. According to Texas law, all drivers must either meet or exceed the following minimum requirements:
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$25,000 property damage liability per accident
Cheapest Full-Coverage Car Insurance in Arlington, Texas
A full-coverage car insurance policy can be pricey in Arlington. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damages to your vehicle in a variety of situations. Texas Farm Bureau is the cheapest full-coverage option with average rates of $112 per month or $1,339 per year.
Full-coverage auto insurance protects your car from damages that occur due to car accidents, weather-related events and instances of theft or vandalism. You can also purchase uninsured motorist coverage to receive protection against those who illegally drive without coverage.
Arlington Car Insurance Quotes by Driver Profile
Many different factors impact car insurance rates, so the most affordable insurer for one driver may not be for someone else. In this section, we’ll look at the expenses associated with car insurance in Arlington based on the driver’s age, credit score and driving history. Since Arlington encompasses multiple ZIP codes with varying car insurance costs, we’ll consider those as well.
A few great ways for policyholders to save on the cost of car insurance in Arlington are by increasing their deductibles and bundling auto coverage with home insurance, renters insurance and life insurance.
Arlington Car Insurance Cost by Age
Car insurance for teenage drivers is more expensive because they have a greater likelihood of getting into car accidents or breaking traffic rules. Our data shows that 16-year-olds pay about $275 per month or $3,295 per year for car insurance in Arlington.
As people move into their 20s, the cost of car insurance goes down and continues to decrease. Below are examples of the minimum cost of car insurance in Arlington for different age groups.
Cheapest Car Insurance in Arlington, Texas: Teen Drivers
Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Texas Farm Bureau is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $110 per month or $1,321 per year. State Farm, Geico and USAA also offer affordable premiums for Arlington teens.
Arlington Car Insurance Cost by Credit Score
Car insurance companies in many states, including Texas, can consider credit scores when setting insurance rates. Those with low credit scores usually pay higher car insurance premiums while those with good credit scores tend to pay less.
Cheapest Car Insurance in Arlington, Texas: Poor Credit
Our rate data shows that USAA is the cheapest option offering car insurance for bad credit in Arlington. The company provides minimum-coverage policies to drivers with poor credit for rates averaging $74 per month or $890 per year. This is 17% more than the overall state average for minimum coverage for good credit.
Arlington Car Insurance Cost by Driving Record
If you’ve received speeding tickets, gotten into accidents or have a DUI on your driving record, your car insurance premiums will likely go up. On average, speeding can increase your rates by 18%, an at-fault accident by 71% and a DUI by 57%.
While each auto insurance company has different price increases, we discovered that State Farm is the top choice if you have driving record violations. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in Arlington, Texas: Speeding Ticket
According to our data, State Farm offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records —$34 per month or $412 per year. Texas Farm Bureau follows close behind with an average monthly rate of $36, while USAA, Geico and Allstate round out the top five options for cheap speeding ticket car insurance in Arlington.
Cheapest Car Insurance in Arlington, Texas: At-Fault Accident
An accident where you were found to be at fault can make car insurance rates go up significantly more than a speeding ticket. State Farm and Texas Farm Bureau are the cheapest options here with average rates of about $42 per month and $62 per month, respectively. You can see that some auto insurance companies charge significantly more for coverage after an accident.
Cheapest Car Insurance in Arlington, Texas: DUI
Getting a DUI is a major offense that could cause your car insurance rates in Arlington to go up by a few hundred dollars per year. State Farm is cheap compared to other companies — offering average rates of $62 per month or $745 per year for drivers with a DUI. USAA, Progressive and Texas Farm Bureau are also good options with rates under $83 per month on average.
Arlington Car Insurance Cost by ZIP Code
The number of car insurance claims ranges widely across different areas of the city, making an impact on typical insurance costs. Below, you’ll see that certain ZIP codes in Arlington can be up to 4% cheaper or 2% more expensive than the city average.
Cheap Car Insurance in Arlington, Texas: The Bottom Line
Car insurance in Arlington costs 18% less than the average in Texas but 19% more than the national average. State Farm offers the least expensive basic coverage in the city, costing around $34 each month. Arlington drivers can find reasonably priced rates for full coverage from Texas Farm Bureau, with insurance policies starting at $112 per month.
Compare free quotes to find the company that meets your Texas car insurance needs at the best rate. You can compare insurance products around the Dallas-Fort Worth metro and get auto insurance quotes online or from insurance agents.
Cheapest Auto Insurance in Arlington, Texas: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Arlington, Texas:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.
Alice J. Roden started working for Trending Insurance News at the end of 2021. Alice grew up in Salt Lake City, UT. A writer with a vast insurance industry background Alice has help with several of the biggest insurance companies. Before joining Trending Insurance News, Alice briefly worked as a freelance journalist for several radio stations. She covers home, renters and other property insurance stories.