bestauto insuranceArlington2022Compare the Cheapest Car Insurance Quotes in Arlington, TX
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 Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 7/27/2022
Written By |
Mark Fitzpatrick
Drivers in Arlington looking for the cheapest coverage on average for minimum or full coverage policies should consider Farmers. However, these rates can change by coverage amount and driving profile. State Farm offers the cheapest rates for drivers with tickets. USAA offers affordable rates to military families. Lastly, GEICO ranks as the best company that balances affordability and quality service.
bestauto insuranceArlington2022The Cheapest and Best Car Insurance in Arlington
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - Farmers
Best Overall - GEICO
The Cheapest Car Insurance Companies in Arlington
On average, the top two cheapest insurance companies in Arlington for a full coverage car insurance policy are:
- Farmers: $840 per year
- State Farm: $937 per year
A full coverage policy from USAA is roughly $878 per year, but this is only available to military families.
The most expensive insurer, The General, costs almost three times the rate from Farmers and is roughly $2,515 per year.
When you decide to get a full coverage policy, know that this will include liability insurance as well as comprehensive and collision coverage. Drivers in Arlington can also change their liability limits by paying higher premiums.
Cheapest Car Insurance in Arlington
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$840
- 2.$878
- 3.$937
- 4.$986
- 5.$1,072
MoneyGeek used a sample driver profile for a 40-year-old male looking for a full coverage in Arlington to calculate the average rates. Coverage limits are described in the methodology.
Full coverage policies, apart from liability insurance and other required coverages, also have collision and comprehensive insurance. This makes the rates more expensive than the state minimum.
- Collision Insurance: Helps you pay for repairs that are caused by a collision with another car or a stationary object.
- Comprehensive Insurance: Helps you pay for repairs that are not collision-related, such as vandalism, theft and natural disasters.
If you own an old car, make sure the cost of your premiums will not exceed the cost of your car. In these cases, you may want to consider buying a state minimum policy.
Compare Car Insurance Rates in Arlington
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Arlington for Minimum Coverage
On average, the insurance companies that provide the lowest car insurance rates in Arlington for a minimum coverage are:
- Farmers: $433 per year
- State Farm: $510 per year
On average, a minimum coverage policy from USAA is slightly less than State Farm at $425 per year. However, only military families are eligible for these policies.
The most expensive policy is from The General, with an annual premium of roughly $1,220 per year. Though minimum coverage is the most affordable option, it will only give you the least coverage. With lower premiums, the liability coverage costs will be low. Toggle the table below to see how much you will need to pay for higher coverage amounts.
Cheapest Minimum Liability Car Insurance in Arlington
State Minimum
- CompanyState Minimumper year
- 1.$425
- 2.$433
- 3.$510
- 4.$532
- 5.$554
A state minimum policy is the cheapest coverage you can buy in Arlington. Drivers on a budget prefer this coverage level as it helps them save by having lower monthly premiums. However, having the cheapest coverage comes with a cost of not being fully covered in case an accident occurs.
Consider a scenario where a policyholder is at fault in an accident with another vehicle and people are injured. If medical bills cost more than $30,000, which is the minimum bodily injury liability coverage, anything excess will be paid by the at-fault driver.
Texas Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Arlington if You Have Driving Violations
Drivers with violations like tickets, DUIs and at-fault accidents may have to pay more in premiums than a driver with a clean record.
On average, here are the cheapest options for drivers with violations:
- Cheapest after a ticket: State Farm, $937 per year
- Cheapest after an at-fault accident: State Farm, $1,129 per year
- Cheapest after a DUI: Farmers, $1,234 per year
Driving records can be improved to get lower rates. This enables the drivers to negotiate their rates by having a good driving record for a certain period. Meanwhile, you may want to find companies in Arlington that could offer you affordable policies after a violation.
Cheapest Car Insurance in Arlington With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$937
- 2.$986
- 3.$1,103
- 4.$1,128
- 5.$1,156
Average Cost of Car Insurance in Arlington
Arlington$1,295
Texas$1,316
U.S.$1,424
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.
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.
Compare Car Insurance Rates in Arlington
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Arlington
MoneyGeek considered various factors while determining the top car insurance companies in Arlington, including affordability, customer satisfaction and claims ratings. Based on the findings, the best auto insurance providers in Arlington are:
- State Farm: MoneyGeek score of 93.8 out of 100
- Farmers: MoneyGeek score of 92.8 out of 100
USAA got a MoneyGeek score of 94.4 out of 100, which makes it the best auto insurance company in Arlington for eligible military personnel. It was excluded from MoneyGeek’s overall ranking because its policies are only available to military members and their families.
1
State Farm
Score:85
State Farm got one of the highest scores for affordability in Arlington and high scores for claims and customer satisfaction. A 40-year-old with full coverage pays an average of $937 per year with State Farm. Policyholders can purchase rideshare insurance to supplement their policy.
More About State Farm
Add-on rideshare insurance from State Farm includes medical payments coverage, emergency roadside assistance and rental car reimbursement when working for a ridesharing company. State Farm also offers add-on rental car and/or travel reimbursement coverage to cover the cost of renting a car after an accident or another claim when your car is undergoing repairs up to your chosen limit, meals, transportation and lodging up to $500, plus a $500 deductible repayment if you are in an at-fault accident in a rental. Roadside assistance is also available to Arlington drivers to cover the cost of towing, battery jumpstarts, gas delivery and other things that may occur, such as needing a locksmith because of locking your keys in the car.
Read MoneyGeek's State Farm auto Insurance Review2
Farmers
Score:78
A full coverage car insurance policy from Farmers for a 40-year-old costs roughly $840 per year in Arlington, which is the cheapest. Farmers also got high satisfaction and claims ratings. Policyholders may add custom parts coverage or glass deductible modification to an auto policy.
More About Farmers
Farmers is the second-best auto insurance company in Arlington. Its glass deductible modification add-on coverage lowers the comprehensive deductible to $100 if the damage to your car is restricted to glass. Policyholders may also select a full windshield and glass option, which has a $0 deductible. The add-on custom parts coverage from Farmers repairs or replaces aftermarket parts after damage in a covered claim, including custom wheels and sound systems. This coverage is only available to drivers with comprehensive and collision coverage.
Read MoneyGeek's Farmers auto Insurance ReviewAverage 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
- 76017$1,230
- 76013$1,234
- 76014$1,337
- 76010$1,380
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.
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