Who Has Affordable Arlington Auto Insurance for Teachers?

Wouldn’t this article be short if we knew the best company in Arlington that has the best rates for teachers? It’s not that simple, unfortunately, as there are a whole slew of unknown factors like if you have ever let your policy lapse, the amount of liability coverage you want, the annual mileage you drive, and whether you are male or female, that all impact the cost of coverage. This article delves into the best ways to pay less and hopefully give you enough understanding to have a good beginning to your search for cheaper coverage.

For teachers and educators, one of the more important considerations that aid in calculating auto insurance rates is where your car is garaged. Larger areas are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The following table ranks the most expensive areas in Texas for teachers to purchase auto insurance in. Arlington ranks #13 with an annual premium of $1,709 on average, which is approximately $142 per month.

How much is car insurance in Arlington?
Rank City Annual Rate
1 McAllen $2,016
2 Houston $1,909
3 Laredo $1,907
4 Amarillo $1,858
5 Dallas $1,855
6 Brownsville $1,851
7 Garland $1,850
8 Irving $1,789
9 Mesquite $1,771
10 Grand Prairie $1,757
11 Pasadena $1,740
12 San Antonio $1,739
13 Arlington $1,709
14 Beaumont $1,702
15 Lubbock $1,682
16 Fort Worth $1,670
17 McKinney $1,625
18 El Paso $1,616
19 Austin $1,610
20 Carrollton $1,598
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Rates are comparative as the specific geographic location can raise or lower insurance rates considerably.

Comparing rates for cost effective auto insurance is difficult, and deciding which company offers the cheapest car insurance rates for teachers will take even more rate comparisons. Each auto insurer uses their own calculation for establishing rates, so let’s rank the most budget-friendly car insurance companies in Texas.

Cheapest Insurance Rates for Educators

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Rankings for the cheapest car insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,128
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,282
5 Esurance $1,379
6 California Casualty $1,438
7 State Farm $1,450
8 Mercury $1,521
9 Safe Auto $1,565
10 Nationwide $1,600
11 Progressive $1,715
12 Allstate $1,718
13 Amica $1,757
14 GEICO $2,072
15 Home State $2,134
16 MetLife $2,227
17 Unitrin $2,310
18 Encompass $2,324
19 21st Century $2,421
20 Titan $2,672
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Travelers generally has some of the most affordable car insurance rates in Arlington at around $1,010 annually. 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 cheapest Arlington, TX insurance companies.

As illustrated above, if you are insured with Germania Mutual and switched to USAA, you might realize a yearly price reduction of in the neighborhood of $154. Insureds with Esurance might save as much as $251 a year, and California Casualty policyholders might reduce rates by $310 a year.

To see if your current coverage is too expensive, click here to start a quote or quote prices from the following companies.

Understand that those policy rates are averages for all drivers and vehicles in Texas and do not take into consideration a specific location for teachers. So the company that can offer the best rates for your situation may not even be in the top 23 companies shown above. That’s why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

The make and model of vehicle driven is one of the largest considerations when shopping around for the best cheap coverage for teachers. Vehicles with high performance engines, poor crash test ratings, or an increased likelihood of liability claims will cost significantly more to insure than safer models. The data below presents car insurance rates for a number of the most economical automobiles to insure in Texas.

Cheapest Vehicles to Insure in Arlington, TX
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $980
Honda Accord EX 4-Dr Sedan $1,051
Honda CR-V EX 2WD $1,079
Ford F-150 XL Crew Cab 4WD $1,092
Chevrolet Impala LS $1,112
Volkswagen Jetta S 4-Dr Sedan $1,134
Ford Explorer Limited AWD $1,154
Toyota Corolla S $1,194
Hyundai Elantra SE 4-Dr Sedan $1,204
Toyota Prius $1,196
Chevrolet Equinox LTZ AWD $1,214
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,220
Honda Odyssey EX $1,218
Ford Edge Limited 2WD $1,227
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,236
Ford Fusion S 4-Dr Sedan $1,243
Toyota RAV4 Limited 4WD $1,253
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,267
GMC Sierra 2500HD SLT Extended Cab 4WD $1,276
Ford Focus SE 2-Dr Coupe $1,283
Honda Civic EX 4-Dr Sedan $1,287
Ford F-250 XL Harley Edition 2WD $1,296
Chevrolet Silverado LTZ Crew Cab 2WD $1,306
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Prices do not factor in specific Arlington, TX garaging location which can influence prices substantially.

Looking at the rates, we can presume that vehicles like the Ford Escape, Honda Accord, Honda CR-V, Ford F-150, and Chevrolet Impala are a few of the more affordable vehicles to insure for teachers and educators.

How to get discounts on Arlington insurance

Discounts on car insurance for teachersInsurance providers that offer quotes for teachers may have discounts that can lower rates by 25% or more if you meet the requirements. A list of car insurance companies and some of the premium reductions they offer can be found below.

The example below illustrates the difference between yearly insurance costs with and without discounts applied. The premium estimates are based on a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with safe-driver, vehicle safety, anti-theft, homeowner, marriage, and multiple policy discounts applied. When discounts are applied, theaverage amount saved on car insurance for teachers is 28% or $524.

Finding the top car insurance company is hard considering how many companies sell insurance in Texas. The company rank data listed below could help you select which companies to look at when looking for cheaper rates. The rankings below are only comprised of companies who write in the majority of U.S. states, so companies without a large exposure will not be included in these rankings.

Top 10 Major Auto Insurance Companies Overall in Arlington

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Major Auto Insurance Companies in Arlington Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Drive responsibly or pay higher rates

The best way to obtain affordable car insurance prices for teachers and educators is to drive safely and maintain a clean driving record. The information below demonstrates how traffic citations and at-fault accidents can impact auto insurance costs for each age group. The premiums assume a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

In the previous example, the average cost of an auto insurance policy in Arlington per year with a clean driving record and no accidents is $1,225. Receive one speeding ticket and the average cost rises to $1,432, an increase of $207 each year. Next add one accident along with the one speeding ticket and the yearly cost of car insurance for teachers increases to an average of $1,997. That’s an increase of $772, or $64 per month, just for not maintaining a clean driving record!