Cheapest and Best Car Insurance Companies in Arlington, TX

The cheapest car insurance for you depends on your particular needs and driver profile. In Arlington, drivers may find the lowest rates for full and minimum coverage car insurance with Texas Farm Bureau Group. It is also the least expensive option for military drivers and those with a speeding ticket on their record. State Farm is ideal for drivers with an at-fault accident, whereas Mercury is preferable for those with a DUI.

If you want a blend of affordability and service, Texas Farm Bureau Group is MoneyGeek’s pick for best overall and best cheap car insurance in Arlington, while Chubb is best for customer service.

Based on our analysis, the cheapest car insurance companies in Arlington for minimum coverage are:

• Texas Farm Bureau Group: $305 per year
• State Farm: $356 per year

The most expensive provider is Dairyland, with policies averaging $1,192 per year. As of October 2022, State Farm offers the cheapest auto insurance in Texas overall at $300 per year, indicating that location is one of the major factors affecting car insurance rates.

Texas only requires car insurance that covers bodily injury liability and property damage liability with the following limits:

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

Liability-only coverage provides protection against the cost of injuries or damages to another driver and their property. So if you are at fault in an accident and have $30,000 in bodily injury liability per person and $60,000 per accident, your insurance provider will only pay $30,000 in damages for each individual, up to $60,000 per accident. You will be responsible for any costs exceeding this amount.

In Arlington, the cheapest full coverage policies are offered by:

• Texas Farm Bureau Group: $674 per year
• State Farm: $704 per year

Dairyland is the most expensive company for full coverage, with an average rate of $2,130 per year. Overall, State Farm offers the cheapest full coverage car insurance in Texas at $711 per year as of October 2022. This is an excellent example of how location can impact your car insurance rates.

Aside from increasing the limits of liability-only insurance, a full coverage policy also adds comprehensive and collision insurance.

• Collision Insurance: Pays for repairs if your car gets damaged after colliding with another vehicle or a stationary object.
• Comprehensive Insurance: Pays for repairs if your car gets damaged due to a non-collision incident such as weather-related events, fire, vandalism or theft.

Consider your vehicle’s value before getting a full coverage policy. If you have an older vehicle, it may not be worth paying hundreds of more per year for the additional coverage.

Our analysis found that these are the most affordable car insurance providers in Arlington for full coverage after the following driving offenses:

• Speeding ticket: Texas Farm Bureau Group ($674 per year)
• At-fault accident: State Farm ($879 per year)
• DUI: Mercury ($1,285 per year)

Expect the highest annual rates from Dairyland ($2,623), Foremost ($3,389) and Chubb ($2,753) for full coverage after a speeding ticket, at-fault accident or a DUI, respectively. Having traffic violations on your driving record can increase your premium, so even the cheapest rates will likely be higher than those for drivers with a clean record.

A rate increase may happen based on the severity of the driving violation. For example, Arlington drivers with a DUI may pay $294 more for car insurance than those with a speeding ticket. It’s possible to lower car insurance rates by finding the cheapest car insurance with a bad driving record.

The cheapest full coverage car insurance for 16-year-old teen drivers on a family policy are:

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

Allstate is the most expensive company, costing an average of $6,135 per year for female teens on a family policy and $7,225 per year for male teens.

Car insurance rates tend to be higher for male teens than female teens because young men are considered riskier to insure. For instance, male teens may pay $408 more per year for coverage than female teens with State Farm.

Buying a separate policy for a teen driver is much more expensive than adding them to a family policy. In Arlington, a 16-year-old male teen buying an individual policy may pay $3,267 more than one joining a family policy. You could save thousands of dollars per year by finding the cheapest auto insurance for teens.

For those with a military background, the most affordable car insurance companies in Arlington for full coverage are:

• Texas Farm Bureau Group: $674 per year
• State Farm: $704 per year

USAA is another cheap option for military families. This insurer provides policies exclusively to military members and their families, and its full coverage policies cost $861 per year.

If you opt for minimum coverage, Texas Farm Bureau Group is also the cheapest car insurance company for military drivers at $305 per year, while State Farm remains the second-cheapest option at $356 per year.

Comparing car insurance quotes online can be time-consuming. It may take you 15 minutes or more to input the personal information required to obtain a single quote. Fortunately, our car insurance calculator can quickly generate an approximate rate based on your age, vehicle type, coverage level and driving record.

The best auto insurer for you will depend on how much you value affordability, quality service, coverage and other factors. These are the best options in Arlington:

• Best overall: Texas Farm Bureau Group (MoneyGeek score of 81 out of 100)
• Best for service: Chubb (MoneyGeek score of 76 out of 100)
• Best cheap: Texas Farm Bureau Group (MoneyGeek score of 81 out of 100)

In some cases, a company’s overall MoneyGeek score may vary based on how factors are weighted in each category. Texas Farm Bureau Group is also the best car insurance company in Texas. If you are a military member or a veteran, USAA is another great option for car insurance, earning a MoneyGeek score of 81 out of 100.

In Arlington, the following insurers offer the best balance of affordability and service quality for full coverage policies:

• Texas Farm Bureau Group: MoneyGeek score of 81 out of 100 ($674 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($704 per year)

Texas Farm Bureau Group has the second-highest customer satisfaction rating and the highest affordability rating. This means that you’ll receive quality customer service for a low cost.

If you come from a military family, we also highly recommend USAA. It earned a MoneyGeek score of 81 out of 100 for its policies that exclusively cater to military members.

Without taking affordability into account, our analysis found that the best car insurance companies in Arlington for customer service are:

• Chubb: MoneyGeek score of 76 per year ($1,405 per year)
• Foremost: MoneyGeek score of 67 out of 100 ($1,467 per year)

Chubb has the third-highest customer satisfaction rating and the highest affordability rating of the insurers in our comparison group. However, its policies cost more than those of its competitors.

Based on our analysis of affordability and service quality for policies that meet the minimum coverage requirements in Texas, the best auto insurers in Arlington are:

• Texas Farm Bureau Group: MoneyGeek score of 81 out of 100 ($305 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($356 per year)

While minimum coverage policies have the lowest rates, they offer the least amount of protection against liability costs and no protection against the cost of damages to your own vehicle in case of an accident.

In Arlington, the average cost of car insurance is $1,174 per year as of October 2022. This is $27 cheaper than the average cost of car insurance in Texas and $91 lower than the national average of $1,265 per year. These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. In general, your location is an important factor affecting car insurance rates.