How Much is Arlington Auto Insurance for Business Use?

One of the many components that are used to help calculate the amount you pay for auto insurance is your zip code. More populated areas tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.

The information below rates the highest-priced areas in Texas for business use in which to buy car insurance. Arlington is listed at #15 with an annual cost of $1,658 for the average insurance policy, which is approximately $138 per month.

How much does car insurance cost in Arlington, TX?
Rank City Premium Per Year
1 McAllen $1,956
2 Houston $1,909
3 Brownsville $1,908
4 Laredo $1,907
5 Amarillo $1,858
6 Dallas $1,837
7 Garland $1,832
8 Mesquite $1,825
9 Grand Prairie $1,811
10 Pasadena $1,794
11 Irving $1,736
12 San Antonio $1,722
13 Beaumont $1,720
14 Lubbock $1,716
15 Arlington $1,658
16 Austin $1,627
17 McKinney $1,625
18 Plano $1,624
19 Carrollton $1,615
20 Fort Worth $1,604
21 Corpus Christi $1,588
22 Waco $1,584
23 El Paso $1,568
24 Abilene $1,545
25 Killeen $1,473
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Table data uses estimated as specific Arlington zip code can revise coverage rates noticeably.

The vehicle model needing coverage is a large factor when quoting the cheapest insurance for business use. Vehicles with higher performance characteristics, a lack of safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more economical and safe models. The next table ranks coverage costs for a number of the more affordable vehicles to insure in Texas.

Cheapest Vehicles to Insure in Arlington, TX
Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $851
Ford Edge SE 2WD $934
Ford Escape XLS 4WD $950
Jeep Wrangler Sport 4WD 2-Dr $957
Honda Civic VP 4-Dr Sedan $1,038
Ford Explorer Eddie Bauer 2WD $1,040
Nissan Altima 2.5 S 4-Dr Sedan $1,058
Toyota Prius $1,063
Nissan Rogue SL 2WD $1,076
Chevrolet Equinox LTZ 2WD $1,079
GMC Sierra SL Crew Cab 4WD $1,086
Ford Fusion SEL 4-Dr Sedan $1,079
Volkswagen Jetta SE 2.5 Station Wagon $1,088
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Information does not factor in specific zip code location which can affect auto insurance rates significantly.

Looking at the data, we can tell that makes and models like the Honda CR-V, Ford Edge, Ford Escape, and Jeep Wrangler are some of the more affordable vehicles to insure for using your car for business. Auto insurance rates will tend to be higher because there is more claim exposure for business use, but overall those specific models will probably have the lowest insurance rates compared to other types of vehicles.

Selecting a high-quality car insurance provider can be challenging considering how many choices drivers have in Arlington. The company ratings shown next can help you pick which car insurance providers you want to consider when shopping insurance around for business use.

The rankings below only include companies with a national presence, so companies that may only write in Texas are not factored into the list. To compare rates from these and other competitive companies, follow this link.

Top Car Insurance Companies for Business Use in Arlington, TX
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: Best Car Insurance Companies

Discount Arlington insurance rates

Save on car insurance for using your car for business in ArlingtonCar insurance companies that offer coverage for business use may additionally offer rate discounts that can lower rates by 40% or more if you meet certain criteria. Companies and a selection of discounts are included below.

The illustration below shows the difference between car insurance rates with and without some available policy discounts. The prices are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with passive restraint, multiple vehicle, vehicle safety, claim-free, defensive driving course, and anti-theft discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on car insurance for business use is 28% or $771.

Rate difference between full and liability-only coverage

Buying cheaper car insurance is the goal of most vehicle owners, and an easy way to reduce the cost of insurance for business use is to only pay for liability coverage. The chart below shows the difference between car insurance costs with and without physical damage coverage. The premium estimates are based on no claims or driving citations, $100 deductibles, drivers are not married, and no other discounts are factored in.

If we average the cost for all age groups, physical damage coverage costs an extra $2,181 per year more than just buying liability insurance. That is a significant amount which raises the question when is the right time to remove full coverage. There is no written rule to exclude physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.