You have surely seen all the commercials from auto insurance companies like Nationwide and The General claiming the cheapest price, so drivers should just pick the company with the catchiest ad, right?
Unfortunately, it’s not that simple as there are a whole bunch of unknown factors such as whether you are male or female, the level of liability coverage you want, and the likelihood of vehicle theft where you live, that all influence how much you pay for auto insurance. We will attempt to cover the different ways you can keep rates low and hopefully give you enough understanding to have a good beginning to your search for cheaper coverage.
The vehicle model on the policy is one of the primary factors when comparing quotes for the most affordable coverage for high school students. Vehicles with high performance engines, a lack of advanced safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models.
The list below features insurance prices for a number of the cheapest vehicles to buy coverage for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$3,648|
|Ford Escape Limited 2WD||$3,682|
|Honda CR-V EX-L 2WD||$3,689|
|Hyundai Elantra SE Touring Station Wagon||$3,912|
|Ford Explorer XLT AWD||$4,095|
|Ford Focus SE 4-Dr Sedan||$4,291|
|Toyota RAV4 4WD||$4,325|
|Dodge Grand Caravan Hero||$4,332|
|Chevrolet Equinox LS 2WD||$4,325|
|Volkswagen Jetta S 4-Dr Sedan||$4,333|
|Toyota Tacoma Double Cab 4WD||$4,361|
|Ford F-150 FX2 2WD||$4,370|
|Honda Civic EX 4-Dr Sedan||$4,521|
|Toyota Camry XLE||$4,555|
|Chevrolet Impala LTZ||$4,564|
|Ford Edge Limited AWD||$4,555|
|Honda Odyssey EX-L W/Rear Entertainment||$4,564|
|Toyota Corolla S||$4,555|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$4,557|
|Chevrolet Malibu LTZ||$4,591|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$4,601|
|Jeep Grand Cherokee Limited 4WD||$4,591|
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Prices above based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in Arlington, TX location which can alter auto insurance rates greatly.
Looking at the rates, we can infer that cars like the Honda Accord, Ford Escape, and Honda CR-V will definitely be a few of the cheapest vehicles to insure for teenagers. Auto insurance rates will tend to be higher just because there is more claim exposure for high school students, but in general those makes and models will have the cheapest rates that you are likely to find.
Determining which company has the cheapest auto insurance rates for high school students involves more time than just comparing rates from one or two companies.
Each insurance company has a different process to set policy rates, so let’s look at the rankings for the auto insurance companies that tend to have lower prices in Texas. Keep in mind that Arlington, TX auto insurance rates are determined by lots of factors that can increase the cost of coverage. Simply getting older, getting married, or getting a DUI can trigger changes in premium resulting in some companies being cheaper than others.
Find the Cheapest Car Insurance for Students
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,235|
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Travelers normally has some of the best car insurance rates in Arlington at around $1,010 each year. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the best Arlington, TX insurance companies.
As illustrated above, if you buy coverage from Esurance and switched to USAA, you might achieve a yearly price reduction of approximately $237. Drivers with California Casualty might save as much as $268 a year, and State Farm insureds might lower prices by $382 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or quote prices from the following companies.
Understand that those premiums are averages for all types of insureds and vehicles and and are not calculated with a specific vehicle garaging location for high school students. So the insurer that fits you best may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.
One of the many components that are looked at to help calculate the annual cost of car insurance is where you live in Arlington. Regions with larger populations or more claims tend to have more expensive car insurance rates, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.
The table below rates the most costly cities in Texas for high school students in which to purchase auto insurance. Arlington shows up at #16 with the yearly price of $1,658 for the average policy, which is around $138 per month.
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Rate information is comparative as the garaging address in Arlington can revise price quotes greatly.
Discounts on Arlington insurance rates
Insurance providers that provide policies for high school students may have discounts that can lower rates by 40% or more if you are eligible for them. Large auto insurance companies and a summarized list of policyholder discounts can be found below.
- GEICO offers discounts including anti-lock brakes, military active duty, daytime running lights, air bags, multi-vehicle, and driver training.
- Travelers policyholders can earn discounts including home ownership, hybrid/electric vehicle, new car, student away at school, and early quote.
- Nationwide includes discounts for Farm Bureau membership, multi-policy, good student, easy pay, business or organization, anti-theft, and family plan.
- Farmers Insurance may include discounts for youthful driver, distant student, alternative fuel, electronic funds transfer, pay in full, and multi-car.
- Esurance offers premium reductions for online quote, anti-lock brakes, homeowner, paid-in-full, claim free, and renters.
- State Farm has savings for driver’s education, student away at school, anti-theft, good driver, defensive driving training, passive restraint, and safe vehicle.
- Progressive may have discounts that include continuous coverage, good student, online signing, multi-vehicle, and multi-policy.
- Mercury Insurance discounts include low natural disaster claims, multi-policy, location of vehicle, ease of repair, and type of vehicle.
The illustration below shows the comparison of insurance costs with and without discounts applied to the rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with paperless filing, vehicle safety, good student, paid-in-full, anti-theft, and continuous coverage discounts applied. When drivers take advantage of discounts, theaverage amount saved on auto insurance for high school students is 28% or $660.
What is the best auto insurance company in Texas?
Ending up with a good quality insurance provider can be difficult considering how many companies sell insurance in Arlington. The ranking information in the next section may help you pick which car insurance companies you want to consider when shopping insurance around for high school students. These ratings are for companies with a nationwide focus, so companies that may only write in Texas will not be included in this list.
Top 10 Major 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%
What aren’t you shopping around?
Arlington auto insurance rates are impacted by many factors which can substantially change the cost of having a policy. Simply having a birthday, buying another vehicle, or getting a ticket for careless driving may generate price changes that can now make some companies affordable when they were higher priced. Not only may things change on your end, but insurers change the rates they charge in Texas as needed in order to offset underwriting gains or losses. A period of higher than normal claims may cause more expensive premiums, while less frequent claims can produce lower-cost Arlington car insurance rates.
The bar chart below shows which companies have the cheapest car insurance in Arlington, TX for a 30-year-old female driver with a clear driving record, no claims, and a good credit rating. If we estimate rates based on her current situation, Travelers may have the lowest car insurance rates in Arlington at $1,186 each year. This is $718 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the cheapest Arlington, TX auto insurance companies.
Now let’s give the driver from the first set of rates a chargeable claim, a lower credit rating, and a couple of points charged on her driving record. Since every insurance provider has a different process to determine rates, comparing prices may now present a new list of companies as shown below.
State Farm now has the best price in Arlington with Mercury, USAA, Safe Auto, and Nationwide now being in the top five. This example shows why consumers need to take the time to shop around when trying to find cheap insurance quotes for high school students.
Car insurance prices are impacted by many different factors and can decrease or increase without notice, so the best option when you bought your policy may now be wasting a lot of money.
How to find the cheapest car insurance for high school students
Below you’ll find some thrifty suggestions that can help drivers locate lower-cost coverage.
- Avoid having at-fault accidents
- Maintaining good credit helps earn cheaper rates
- Full coverage is expensive so only insure older vehicles for liability only
- Buy a car with high safety ratings
- Bundle home and auto and earn a discount
- Check for cheaper rates once a year
The last suggestion is extraordinarily valuable, as was discussed in the prior article. Auto insurance rates in Arlington fluctuate considerably, so don’t be tentative to switch to a new company if a better deal can be had.
Many drivers prefer to stick with one company, but we do not recommend it if that devotion results in you overpaying a considerable chunk of change every month. In less than five minutes you could compare prices and find cheaper insurance for high school students.