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


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Updated: May 27, 2024

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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.

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2024

Cheapest and Best Car Insurance in Arlington

Why Trust MoneyGeek? We analyzed 328,384 quotes in Texas, including the city of Arlington, from 14 companies. We used six sources and original research to rate the cheapest companies and developed a scoring system for Arlington insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Arlington, TX as of June 2024.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in Arlington

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Texas Farm BureauAnnual Premium$305Monthly Premium$25
State FarmAnnual Premium$471Monthly Premium$39
MercuryAnnual Premium$479Monthly Premium$40
National GeneralAnnual Premium$644Monthly Premium$54
AAA TexasAnnual Premium$696Monthly Premium$58
AllstateAnnual Premium$724Monthly Premium$60
ProgressiveAnnual Premium$746Monthly Premium$62
GEICOAnnual Premium$839Monthly Premium$70

State Minimum Liability Requirements

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.

Cheapest Full Coverage Car Insurance in Arlington

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Texas Farm BureauAnnual Premium$674Monthly Premium$56
State FarmAnnual Premium$985Monthly Premium$82
NationwideAnnual Premium$1,404Monthly Premium$117
AAA TexasAnnual Premium$1,407Monthly Premium$117
National GeneralAnnual Premium$1,418Monthly Premium$118
AllstateAnnual Premium$1,425Monthly Premium$119
GEICOAnnual Premium$1,491Monthly Premium$124
ProgressiveAnnual Premium$1,578Monthly Premium$131

Do You Need Full Coverage in Texas?

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.

Cheapest Car Insurance in Arlington After a Driving Offense

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Texas Farm BureauAnnual Premium$674Monthly Premium$56
State FarmAnnual Premium$985Monthly Premium$82
AllstateAnnual Premium$1,425Monthly Premium$119
NationwideAnnual Premium$1,638Monthly Premium$136
GEICOAnnual Premium$1,738Monthly Premium$145
AAA TexasAnnual Premium$1,813Monthly Premium$151
National GeneralAnnual Premium$1,890Monthly Premium$158
ProgressiveAnnual Premium$2,039Monthly Premium$170

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.

Cheapest Car Insurance in Arlington for Teens and Their Families

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$2,007Individual Plan Monthly Premium$2,587
NationwideFamily Plan Annual Premium$2,042Individual Plan Monthly Premium$4,053
GEICOFamily Plan Annual Premium$3,219Individual Plan Monthly Premium$3,607
ForemostFamily Plan Annual Premium$3,625Individual Plan Monthly Premium$9,545
ProgressiveFamily Plan Annual Premium$4,593Individual Plan Monthly Premium$10,887
AllstateFamily Plan Annual Premium$6,135Individual Plan Monthly Premium$6,752

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.

Cheapest Car Insurance in Arlington for Military Drivers

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Texas Farm BureauAnnual Premium$674Monthly Premium$56
State FarmAnnual Premium$985Monthly Premium$82
USAAAnnual Premium$1,071Monthly Premium$89
NationwideAnnual Premium$1,404Monthly Premium$117
AAA TexasAnnual Premium$1,407Monthly Premium$117
National GeneralAnnual Premium$1,418Monthly Premium$118
AllstateAnnual Premium$1,425Monthly Premium$119
GEICOAnnual Premium$1,491Monthly Premium$124

How to Compare Cheap Arlington Car Insurance Quotes Online

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.

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Rates updated:

Jul 18, 2024

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Best Car Insurance in Arlington: Overview

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.

Overall Best Car Insurance in Arlington

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.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
89/ of 100

Overview

Chubb's high MoneyGeek score is predominantly due to its excellent claims handling and satisfaction ratings. Chubb offers both Rental Car and/or Travel Reimbursement and Roadside Assistance. It also provides Original Equipment Manufacturer (OEM) Coverage, which is highly valuable for drivers interested in maintaining the integrity of their vehicle with authentic parts after a repair — a particularly beneficial option for those with newer or luxury vehicles. But Chubb does fall slightly short by not offering Diminished Value Coverage, a common coverage which can impact your financial protection after an accident.

Best Car Insurance in Arlington for Customer Service

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.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
92/ of 100

Overview

Chubb's high MoneyGeek Score is primarily influenced by its exceptional satisfaction and claims handling scores. Chubb offers both Rental Car and/or Travel Reimbursement and Roadside Assistance.

Chubb's rare coverage options further position it as an ideal insurance provider for discerning drivers. Antique/Classic Car Insurance is a standout, ensuring unique vehicles receive protection tailored to their value and age. OEM Coverage ensures your vehicle retains its integrity with original manufacturer parts in repairs, a major benefit for those seeking to maintain their vehicle's condition post-accident. Diminished Value Coverage allows for compensation if your car's value decreases after an accident, even with repairs. With these offerings, Chubb is a good choice despite the absence of Rideshare Insurance.

Best Cheap Car Insurance Companies in Arlington

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.

Company logo for Chubb
Best Cheap CompanyChubb
MoneyGeek Score:
87/ of 100

Overview

Chubb stands out for its high claims handling and highly satisfactory customer service scores. The average annual premium for Chubb is $978, making it an affordable option minimum coverage.

Additionally, drivers can benefit from an Anti-theft System discount, rewarding enhanced vehicle security measures, which is beneficial for prevention of theft and may lower insurance costs. The very rare VIN etching discount is another valuable feature, potentially deterring theft and facilitating vehicle recovery, which can also lead to savings for customers.

Average Cost of Car Insurance in Arlington

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.

AbileneAnnual Premium$1,444
AllenAnnual Premium$1,710
AmarilloAnnual Premium$1,728
ArlingtonAnnual Premium$1,703
AustinAnnual Premium$1,690
BeaumontAnnual Premium$1,812
BrownsvilleAnnual Premium$1,787
CarrolltonAnnual Premium$1,827
College StationAnnual Premium$1,504
Corpus ChristiAnnual Premium$1,623
DallasAnnual Premium$1,917
DentonAnnual Premium$1,631
El PasoAnnual Premium$1,568
Fort WorthAnnual Premium$1,691
FriscoAnnual Premium$1,708
GarlandAnnual Premium$1,920
Grand PrairieAnnual Premium$1,882
HoustonAnnual Premium$2,113
IrvingAnnual Premium$1,845
KilleenAnnual Premium$1,515
LaredoAnnual Premium$1,748
League CityAnnual Premium$1,784
LewisvilleAnnual Premium$1,662
LubbockAnnual Premium$1,567
McAllenAnnual Premium$1,929
McKinneyAnnual Premium$1,708
MesquiteAnnual Premium$1,906
MidlandAnnual Premium$1,494
OdessaAnnual Premium$1,623
PasadenaAnnual Premium$1,853
PearlandAnnual Premium$1,914
PlanoAnnual Premium$1,775
RichardsonAnnual Premium$1,836
Round RockAnnual Premium$1,584
San AngeloAnnual Premium$1,425
San AntonioAnnual Premium$1,752
Sugar LandAnnual Premium$1,819
The WoodlandsAnnual Premium$1,832
TylerAnnual Premium$1,609
WacoAnnual Premium$1,485
Wichita FallsAnnual Premium$1,374

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.