On average, car insurance in Arlington costs $1,295 per year, which is 1.6% less than the state average. The cheapest insurer in the city is Farmers, with an average cost of $840 per year. MoneyGeek calculated the rates across different coverage levels and driving records to help you find quality service and affordable costs for your insurance needs.
Compare the Cheapest Car Insurance Quotes in Arlington, TX
The Cheapest and Best Car Insurance in Arlington
The Cheapest Car Insurance Companies in Arlington
The top two cheapest insurance companies in Arlington for a full coverage car insurance policy are:
- Farmers: $840 per year
- USAA: $878 per year (limited to military personnel and their families)
For this study, MoneyGeek derived the average costs of car insurance in Arlington from a sample 40-year-old driver profile. In this case, the driver has a full coverage policy with liability insurance and comprehensive and collision coverage.
Average Cost of Car Insurance in Arlington
Arlington drivers typically pay less for their auto coverage than the Texas and national averages. The average yearly car insurance cost in the city is $1,295, which is about 1.6% less than the Texas average and 9.1% lower than the U.S. average.
The Best Car Insurance Companies in Arlington
For Arlington drivers looking for an option that balances affordability and quality service, MoneyGeek ranked the best companies in the city to help you find the right insurer.
According to MoneyGeek’s analysis, the best insurers in the state for most drivers are:
- GEICO: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA received the highest score in Arlington by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek determined its scores based on several factors, such as affordability, customer satisfaction and financial stability scores from J.D. Power.
Personalized Quotes to Get You the Cheapest Car Insurance in Arlington
Factors such as your age, gender, driving record, driving experience and more are assessed by auto insurance companies to calculate car insurance quotes in Arlington. To cite an example, GEICO’s average package for 18-year-old male drivers in the city is about one and a half times more expensive than its policies for 40-year-old male drivers. A good way to deal with changing circumstances is to get an individualized quote regularly to boost your chances of finding reasonable rates.
Shopping around for car insurance in Arlington could save you $455, which is enough to buy:
Cheapest Car Insurance in Arlington by Coverage Amount
In Arlington and elsewhere, the amount of coverage purchased dictates how much you pay for car insurance. For example, a minimum liability policy costs an average of $665 per year. However, a full coverage policy that offers higher limits costs around $1,295 per year. That’s an average difference of $631.
Texas Minimum Liability Requirements
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Farmers offers both 50/100/50 liability-only and full-coverage packages in Arlington. The full-coverage policy is more expensive, but it will pay for your costs if you cause an accident. Thus, the average extra $330 for the full-coverage plan may be a good investment considering the additional benefits you can obtain.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Arlington if You Have Driving Violations
Drivers who have a speeding ticket or a DUI on their record have to pay more for their auto insurance. In Arlington, Farmers customers who have a DUI need to pay an average of $394 more annually for their policies. Similarly, those with a speeding ticket will have to pay an average of $263 more per year for their coverage compared to a driver with a clean record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
ZIP code plays a big role in the cost of your annual car insurance premium. Areas that record higher numbers of accidents, car thefts and uninsured motorists are more expensive. In Arlington, Texas, the most affordable and most expensive ZIP codes for auto insurance are 76017 and 76010, respectively. Auto insurance premiums are an average of $150 cheaper for residents of the 76017 ZIP code compared to 76010.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Arlington
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Arlington. How Arlington ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Arlington are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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