Who Has Affordable Auto Insurance Quotes for Drivers with a Bad Driving Record in Arlington?

Things would sure be easy if we could simply tell you the company that has the cheapest rates in Texas. That is not the case, however, as there are a ton of unknown elements such as the miles you drive each year, if you have any driving citations, and if you have a spouse, that all impact the cost of your policy. If you keep reading, we will teach you about the things that influence insurance rates and hopefully give you enough understanding to have a good start in finding the cheapest insurance in Arlington.

Locating cost effective auto insurance is challenging, and figuring out which companies have the most affordable insurance rates for drivers with a bad driving record may require even more shopping around. Every insurance company has a different formula for filing rates in each state, so let’s rank the insurance companies with the overall cheapest rates in Arlington, TX.

It’s important that you understand Texas insurance rates are determined by lots of factors that will increase or decrease the cost of your policy. Improving your credit score, increasing deductibles, or having a fender bender can produce rate changes resulting in some rates now being more affordable than others.

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Cheapest Texas car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,095
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,282
5 Esurance $1,379
6 California Casualty $1,396
7 State Farm $1,450
8 Mercury $1,521
9 Nationwide $1,538
10 Safe Auto $1,613
11 Progressive $1,664
12 Allstate $1,701
13 Amica $1,723
14 Home State $2,155
15 GEICO $2,156
16 MetLife $2,183
17 Unitrin $2,310
18 Encompass $2,324
19 21st Century $2,469
20 Titan $2,672
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Travelers offers some of the lowest car insurance rates in Arlington at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the more affordable Arlington, TX auto insurance companies.

In the above example, if you are a customer of Germania Mutual and switched to USAA, you could realize yearly savings of around $187. Drivers with Esurance might save as much as $284 a year, and California Casualty customers might see rate reductions of $301 a year.

Bear in mind that those prices are averages across all drivers and vehicles and and are not calculated with a specific zip code for drivers with a bad driving record. So the auto insurance company that has the cheapest price for you may not even be in the top 23 companies in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

The vehicle model you are insuring is one of the primary factors when quoting low-cost car insurance for drivers with a bad driving record. Vehicles with higher performance characteristics, poor crash test ratings, or a track record of large liability claims will cost significantly more to insure than safer models. The next list features car insurance premiums for a number of the more affordable automobiles to insure.

Cheapest Vehicles to Insure in Arlington, TX
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 4WD $3,528
Toyota Prius $3,583
Ford Escape Limited 4WD $3,812
Ford Edge SE AWD $3,906
Toyota Tacoma 4WD $3,943
Ford Explorer XLT 2WD $3,950
Dodge Ram 3500 Crew Cab Laramie 2WD $3,982
Ford F-150 XLT Crew Cab 4WD $3,988
Honda Odyssey EX $4,089
Ford Focus S 4-Dr Sedan $4,097
Toyota Corolla LE $4,120
Toyota Camry XLE $4,128
Toyota RAV4 Sport 2WD $4,131
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Prices above based on single female driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Rates do not factor in your specific Arlington, TX location which can revise premiums substantially.

Looking at the rates, you can see that vehicles like the Honda CR-V, Toyota Prius, Ford Escape, Ford Edge, and Toyota Tacoma are likely to be a few of the less-costly vehicles to insure for bad drivers. Auto insurance rates will be more expensive just because there is more claim exposure for drivers with a bad driving record, but generally speaking those models will most likely have the cheapest rates available.

For bad drivers, one of the big criteria that are looked at to determine auto insurance rates is where you live. Cities with more crime and/or more people tend to have more expensive car insurance rates, whereas less populated areas benefit from lower prices.

The information below lists the highest-priced areas in Texas for drivers with a bad driving record to purchase car insurance in. Arlington makes the list at #13 with an annual cost of $1,692 on average, which is approximately $141 monthly.

Car insurance prices in Arlington
Rank City Premium Per Year
1 McAllen $1,956
2 Houston $1,909
3 Brownsville $1,908
4 Dallas $1,893
5 Amarillo $1,840
6 Laredo $1,833
7 Mesquite $1,825
8 Grand Prairie $1,811
9 Garland $1,778
10 Pasadena $1,740
11 Beaumont $1,720
12 Irving $1,719
13 Arlington $1,692
14 San Antonio $1,688
15 Lubbock $1,682
16 Austin $1,676
17 Fort Worth $1,670
18 El Paso $1,616
19 Carrollton $1,615
20 Waco $1,584
21 McKinney $1,577
22 Plano $1,576
23 Corpus Christi $1,572
24 Abilene $1,515
25 Killeen $1,488
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Rate quotes are comparative as vehicle location can modify prices substantially.

Insurance company ratings

Insuring your vehicle with a highly-rated insurer can be challenging considering how many different companies there are to choose from in Arlington. The company rank data below could help you decide which insurers to look at purchasing coverage from. These ratings are only comprised of major nationwide insurance companies, so companies with more of a regional focus are not included in this list.

Arlington, TX Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

The chart below shows how choosing a deductible can increase or decrease insurance costs when quoting cheap insurance for drivers with a bad driving record. The data assumes a married male driver, comp and collision included, and no policy discounts are applied.

As shown above, a 50-year-old driver could lower their car insurance rates by $358 a year by switching from a $100 deductible up to a $500 deductible, or save $540 by using a $1,000 deductible. Young drivers, like the Age 20 chart data, can save as much as $1,206 annually by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it will be necessary to have additional funds in a savings account to offset the extra out-of-pocket expense that is associated with using high deductibles.

Comparison of full coverage and liability-only policies

Paying less for insurance should be important to most vehicle owners, and an easy way to pay less for insurance for drivers with a bad driving record is to only buy liability insurance. The information below illustrates the comparison of insurance prices with full physical damage coverage compared to only buying liability only. The premiums assume no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are factored in.

If we average the cost for all age groups, physical damage coverage on your policy costs $1,598 per year more than carrying just liability coverage. That is a big expense that brings up the question if buying full coverage is worth the money. There is no clear-cut formula to exclude physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.