The words “affordable” and “insurance” probably shouldn’t be used in the same sentence, especially when comparison shopping for the lowest insurance rates for good students. Because it’s so expensive, let’s teach you a few of the factors the can have a considerable influence on insurance premiums, and see if we can help you take a little off your next policy.
For student drivers, one of the big considerations that are used to help calculate the amount you pay for auto insurance is your zip code in Arlington. Larger areas tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The information below ranks the most expensive cities in Texas for good students to purchase a policy in. Arlington makes the list at #15 with a yearly premium of $1,658 for the average policy, which is around $138 monthly.
|Rank||City||Average Per Year|
|Find Cheaper Rates Go|
Prices are estimated as specific location information can modify premium rates substantially.
Determining which companies have the cheapest car insurance rates for good students calls for more work in order to find the lowest price quote. Each insurer uses a different method to establish rates, so we’ll take a look at the car insurance companies that tend to have lower prices in Arlington, TX.
Find the Cheapest Car Insurance for Students
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
|View More Rates Go|
Travelers offers some of the most affordable car insurance rates in Arlington at around $1,021 each year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the cheaper Arlington, TX car insurance companies.
As depicted above, if you buy coverage from California Casualty and switched to USAA, you could realize a yearly price reduction of in the neighborhood of $301. Insureds with Esurance might save as much as $312 a year, and State Farm customers might reduce rates by $355 a year.
To discover how much you can save, click here or quote prices from the following companies.
Remember that these policy rates are averages across all drivers and vehicles in Texas and do not factor in a vehicle location for good students. So the company that can offer you the lowest price may not even be in the top 23 companies in the list above. That points out the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.
What is the best car insurance company in Arlington?
Picking a highly-rated auto insurance provider is difficult considering how many different companies sell coverage in Texas. The company information shown next can help you decide which insurers to look at purchasing a policy from. These ratings include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in Texas are not included in the list.
Top 10 Large Auto Insurance Companies in Arlington Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Car insurance rates are higher with tickets and accidents
The easiest way to receive low car insurance prices for student drivers is to be a good driver and avoid accidents and keep your driving record clean. The example below illustrates how violations and accidents can affect insurance rates for different age groups of insureds. The premium estimates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of auto insurance per year with no accidents or violations is $2,318. Get one speeding ticket and the average cost swells to $2,662, an increase of $344 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of car insurance for good students goes up to an average of $5,628. That’s an increase of $3,310, or $276 per month, just for not maintaining a clean driving record!
How to get discounts on Arlington insurance
Auto insurance companies that offer quotes for good students could also offer special discounts that could lower prices by as much as 35% or more if you meet certain criteria. Companies and some of their more popular discounts are outlined below.
- 21st Century has discounts for teen driver, anti-lock brakes, air bags, early bird, and 55 and older.
- Progressive discounts include multi-vehicle, online signing, homeowner, multi-policy, online quote discount, and continuous coverage.
- State Farm offers discounts including passive restraint, good driver, good student, safe vehicle, driver’s education, and Steer Clear safe driver discount.
- Nationwide has savings for family plan, easy pay, accident-free, anti-theft, and multi-policy.
- Esurance may include discounts for multi-car, anti-theft, homeowner, claim free, and good student.
- The Hartford includes discounts for anti-theft, bundle, defensive driver, driver training, and good student.
The chart below visualizes the comparison of yearly insurance costs with and without discounts being applied to the rates. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paid-in-full, passive restraint, good student, anti-theft, paperless filing, and continuous coverage discounts applied. With discounts applied, theamount saved on car insurance for good students is 28% or $518.