Cheapest and Best Car Insurance in Arlington, TX (June 2024)

In Arlington, Texas, the cheapest insurer for minimum and full coverage is Texas Farm Bureau, while for families with teens, State Farm leads.

The best in customer service is Chubb, which also claims the title of best overall, providing an exceptional balance of price and service. The ideal choice for you hinges on both personal preferences and coverage necessities.

Texas Farm Bureau offers the cheapest minimum coverage car insurance in Arlington, ensuring residents can drive legally without breaking the bank.

• Texas Farm Bureau: $305 per year
• State Farm: $471 per year

Dairyland has the most expensive minimum coverage policy in Arlington at $2,165 annually. The stark contrast of $1,860 between the cheapest and most expensive underscores the importance of comparing car insurance rates to secure financial savings.

For every Texan city, Arlington included, state law prescribes the minimum car insurance coverage required:

• $30,000 bodily injury per person
  
• $60,000 bodily injury per accident
  
• $25,000 property damage liability per accident
  

For instance, if you hold a minimum coverage policy and are at fault in an accident that injures another person, your insurance would cover up to $30,000 for their injuries. However, if their expenses exceed this amount, you’d be responsible for the difference out of pocket.

Texas Farm Bureau offers the cheapest full coverage car insurance in Arlington:

• Texas Farm Bureau: $674 per year
• State Farm: $984 per year

Dairyland has the most expensive full coverage policy, with rates at $4,190 annually. This is a $3,516 difference compared to Texas Farm Bureau, highlighting the need to compare policies. Full coverage policies cost more than minimum coverage because they provide comprehensive protection against various incidents.

A full coverage policy presented in Arlington amplifies your liability coverage substantially, elevating it to $100,000 for bodily injury per individual, $300,000 for bodily injury per incident and $100,000 for property damage per incident. This is commonly referred to as a 100/300/100 plan.

Full coverage insurance also includes:

• Collision Insurance: This protection covers your automobile for damages arising from a collision, whether it is with another vehicle or with a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This plan provides coverage for your car against a range of non-collision incidents such as theft, vandalism or natural disasters. It also covers being struck by an animal like a deer.

Opting for full coverage insurance is highly advisable if you own a brand-new vehicle, and it’s required If you're leasing or have a car loan. Full coverage acts as a shield for your considerable financial investment.

By contrast, if your car is older, the added cost of these extra protections might not be justified, because it could lead to hundreds of additional dollars spent. Find a balance to figure out the right amount of car insurance for your needs. Higher coverage levels equate to higher premiums, yet opting for less coverage could leave you vulnerable and underinsured.

In Arlington, Texas Farm Bureau offers the most affordable full coverage auto insurance for drivers with violations like a speeding ticket, at-fault accident and DUI.

• Speeding Ticket: Texas Farm Bureau ($674 per year)
• At-fault accident: Texas Farm Bureau ($1,102 per year)
• DUI: Texas Farm Bureau ($1,311 per year)

National General tends to have the most expensive rates for those same offenses. Severity of offense affects premiums, as shown with Texas Farm Bureau’s rates.

In Arlington, as in many cities, insurance premiums escalate with the severity of a driving offense because insurers perceive a higher risk of future claims. For example, drivers with a speeding ticket face an average annual rate of $2,803, while those with a DUI may see their rates soar to an average of $3,451. Drivers with offenses should diligently compare insurance rates, because significant savings can be found by selecting the most favorable policy for their situation.

State Farm offers the cheapest full coverage car insurance for male and female teens in Arlington.

• State Farm: $2,007 per year for female teens and $2,415 per year for male teens
• Nationwide: $2,042 per year for female teens and $2,338 per year for male teens

These rates signify the cost of adding a teenage driver to a policy shared with two parents. In Arlington, Allstate has the highest family policy premium for teens, particularly for girls, with an annual rate of $6,135. This significant pricing difference — which spans $4,128 between the most and least expensive providers — highlights the necessity of comparing quotes. Shop around, especially when insuring teenage drivers, who are often considered high-risk by insurers.

In Arlington, as in many cities across the US, teen drivers face exorbitant car insurance premiums when purchasing an individual policy. On average, an individual annual premium can cost $7,028, whereas being added to a family plan significantly reduces the expense to around $4,042. This massive difference is attributed to the perceived risk that insurers associate with inexperienced teen drivers. The lack of a substantial credit history and driving record makes teens a higher liability, often resulting in difficulty for them to secure an individual policy.

In Arlington, Texas Farm Bureau is the cheapest car insurance provider for people with military backgrounds seeking full coverage.

• Texas Farm Bureau: $674 per year
• State Farm: $985 per year

USAA ranks third in Arlington with an annual premium of $1,071, which is higher than the top competitors. However, USAA is known for offering service that is specifically tailored to the needs of active-duty military members.

In Arlington, comparing car insurance rates is important for savings. However, dedicating upwards of 15 minutes each to three or more companies can mean investing over an hour in research. Utilize MoneyGeek's car insurance calculator to expedite the process. By inputting details like age, driving history, credit score and coverage preferences, you'll receive tailored rate estimates swiftly, streamlining your search for insurance solutions.

Choosing the right auto insurance for you is about finding the balance between cost, coverage, service and other personal priorities. MneyGeek's research, using distinct scoring systems for each category, has identified the best car insurance options in Arlington:

• Best overall: Chubb (MoneyGeek score 89 out of 100)
• Best for service: Chubb (MoneyGeek score 92 out of 100)
• Best cheap: Chubb (MoneyGeek score 87 out of 100)

Chubb emerges as the top scorer in all categories, making it the choice in Arlington for its blend of overall value, exemplary service and affordability. People seeking high-quality coverage that doesn't compromise on service, but remain conscious of budget constraints, will find Chubb’s offerings particularly appealing.

Chubb offers the best option for car insurance in Arlington, providing drivers with excellence and peace of mind on the road

• Chubb: MoneyGeek score of 89 out of 100 ($1,889 per year)
• Foremost: MoneyGeek score of 75 out of 100 ($2,170 per year)

Chubb earns the top spot thanks to its impressive balance of customer satisfaction and affordability. With a full coverage policy, policyholders benefit from its high satisfaction and affordability scores.

Chubb is the best option in Arlington for car insurance based solely on customer service. This conclusion emphasizes general satisfaction, claims handling and coverages, independent of rates.

• Chubb: MoneyGeek score of 92 out of 100 ($1,889 per year)
• Foremost: MoneyGeek score of 77 out of 100 ($2,170 per year)

Chubb stands out in Arlington for its exceptional performance, particularly in claims handling and customer satisfaction, demonstrating the company's commitment to providing reliable and effective service to its clients.

The following companies provide the best cheap car insurance in Arlington, combining affordability with customer satisfaction.

• Chubb: MoneyGeek score of 87 out of 100 ($978 per year)
• Mercury: MoneyGeek score of 77 out of 100 ($479 per year)

These rates are for minimum coverage policies. Chubb has exceptional claims handling and customer service, contributing to its high MoneyGeek score.

Drivers in Arlington, Texas, pay $1,703 on average for car insurance annually, which is slightly less than the Texas state average of $1,738. When compared with the nationwide average cost of car insurance, Texas stands marginally higher at an $18 increase from the national average of $1,720.

Car insurance premiums vary for numerous reasons, including location. Insurers consider location-based risks such as accident rates, thefts and vandalism — all of which tend to be higher in urban areas. Houston is currently the city with the most costly insurance premium at $1,436, while Wichita Falls has the most affordable city premium at $965, showing a substantial differential within one state. In rural and less traffic-dense areas, insurance rates may drop even further.