You have probably watched the captivating ads from car insurance companies like Nationwide and Progressive that say if you switch you’ll get huge savings, so you just need to choose any of them, right?
It’s not that easy, however, as there are a whole bunch of unknown elements such as whether or not you own a home, the crime level of your neighborhood, and if you have points on your license, that all help calculate your car insurance rates. The information below covers the best ways to avoid overpriced car insurance and will hopefully give the reader a good beginning to your quest for cheaper car insurance in Arlington.
Finding out which companies have the lowest-priced car insurance rates for safe drivers takes a tad more effort in order to find a policy that fits your budget. Each auto insurer uses a different method for determining rates in each state, so we’ll go over the most affordable car insurance companies in Arlington, TX.
It’s important to understand that Arlington car insurance rates are calculated based on many things that can increase the policy premium. Simply improving your credit, getting divorced, or having an accident can produce rate changes resulting in some rates now being much cheaper than others.
Cheap Insurance Rates for Safe Drivers
Travelers quotes some of the most affordable car insurance rates in Arlington at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the cheaper Arlington, TX auto insurance companies.
As the rates illustrate above, if you are currently insured with Germania Mutual and switched to USAA, you might realize yearly savings of roughly $139. Texas drivers with Esurance may save as much as $248 a year, and California Casualty customers might realize rate reductions of up to $321 a year.
Remember that these policy rates are averaged for all drivers and vehicles and do not factor in an exact location for safe drivers. So the insurer that is best for you may not even be in the list above. That’s why you need to compare as many prices as possible using your own driver and vehicle profiles.
The vehicle requiring insurance is one of the biggest factors in finding economical coverage for safe drivers. Vehicles with high performance engines, a lack of advanced safety features, or a track record of large liability claims will cost significantly more to insure than more economical and safe models.
The data below shows insurance rates for a number of the more affordable vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $849 |
| Ford F-150 XL Regular Cab 2WD | $880 |
| Honda CR-V EX-L 2WD | $950 |
| Chevrolet Impala LT | $1,006 |
| Toyota Tacoma 4WD | $1,038 |
| Ford Escape Limited 4WD | $1,048 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,038 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,058 |
| Toyota Camry XLE | $1,066 |
| Ford Explorer XLT AWD | $1,063 |
| Toyota Prius | $1,071 |
| Jeep Grand Cherokee Limited 4WD | $1,078 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,084 |
| Chevrolet Equinox LTZ AWD | $1,078 |
| Toyota RAV4 Sport 2WD | $1,096 |
| Chevrolet Malibu LS | $1,106 |
| Honda Civic DX 4-Dr Sedan | $1,096 |
| Nissan Rogue SL AWD | $1,128 |
| Dodge Grand Caravan SXT | $1,148 |
| Ford Edge Sport 2WD | $1,153 |
| Compare Rates Now Go | |
Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in specific zip code location which can modify rates greatly.
Looking at the data, we can infer that vehicles like the Honda Accord, Ford F-150, Honda CR-V, and Chevrolet Impala are a few of the cheaper vehicles to insure for good drivers.
For good drivers, one of the big criteria that determine auto insurance rates is where you keep your vehicle. More populated areas tend to pay slightly more, whereas more rural areas benefit from having to pay less for coverage.
The information below lists the priciest cities in Texas for safe drivers to buy auto insurance in. Arlington comes in at #14 costing $1,709 for car insurance, which is approximately $142 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Dallas | $1,911 |
| 3 | Brownsville | $1,870 |
| 4 | Houston | $1,835 |
| 5 | Laredo | $1,833 |
| 6 | Garland | $1,832 |
| 7 | Mesquite | $1,825 |
| 8 | Grand Prairie | $1,793 |
| 9 | Amarillo | $1,786 |
| 10 | Irving | $1,772 |
| 11 | Pasadena | $1,758 |
| 12 | Lubbock | $1,733 |
| 13 | Beaumont | $1,720 |
| 14 | Arlington | $1,709 |
| 15 | San Antonio | $1,688 |
| 16 | Carrollton | $1,664 |
| 17 | Austin | $1,659 |
| 18 | Corpus Christi | $1,636 |
| 19 | Fort Worth | $1,621 |
| 20 | McKinney | $1,609 |
| Find Cheaper Rates Go | ||
Rate information is estimated as the specific area where the vehicle is garaged can affect premium rates substantially.
Types of discounts on Arlington car insurance rates
Car insurance companies that sell policies for safe drivers may also give you policy discounts that could reduce prices by 40% or more if you qualify. A few of the larger companies and some of their more popular discounts are shown below.
- The Hartford offers premium reductions for bundle, driver training, defensive driver, air bag, good student, vehicle fuel type, and anti-theft.
- American Family may have discounts that include TimeAway discount, good student, multi-vehicle, bundled insurance, good driver, and mySafetyValet.
- Progressive has discounts for good student, multi-policy, multi-vehicle, online signing, homeowner, continuous coverage, and online quote discount.
- Travelers may offer discounts for multi-policy, continuous insurance, save driver, student away at school, driver training, and hybrid/electric vehicle.
- Farmers Insurance discounts include distant student, youthful driver, teen driver, business and professional, and early shopping.
- USAA offers discounts including vehicle storage, loyalty savings, multi-vehicle, safe driver, and driver training.
- Liberty Mutual has savings for preferred payment discount, new move discount, safety features, multi-policy, newly retired, and multi-car.
The diagram below shows the comparison of insurance rates with and without discounts applied to the rates. The premium estimates are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple vehicle, anti-theft, marriage, passive restraint, defensive driving course, and safe-driver discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance for safe drivers is 28% or $645.
Picking the top company can be difficult considering how many companies sell insurance in Texas. The ranking data displayed below can help you choose which car insurance providers you want to consider when trying to find cheaper insurance for safe drivers.
The ratings below are only made up of companies with a nationwide focus, so smaller regional companies will not be included in this list. To compare prices from these and other competitive companies, click here.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Safe drivers Arlington pay cheaper rates
The ideal way to enjoy cheap car insurance premiums for good drivers is to be an attentive driver and avoid tickets and accidents. The chart below shows how traffic citations and at-fault fender-benders can affect yearly insurance costs for different categories of driver ages. The prices are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
In the previous chart, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,730. Get written up for one speeding ticket and the average cost swells to $1,951, an increase of $221 each year. Now add in two accidents along with the one speeding ticket and the annual cost of car insurance for safe drivers goes up to an average of $3,973. That’s an increase of $2,243, or $187 per month, just for being a careless driver!
How to find more affordable auto insurance for safe drivers
The list below summarizes some of the better thrifty ideas that can help Arlington drivers quote cheap car insurance.
- Pay for small claims rather than turning them in to your insurance company
- Prevent price hikes by avoiding at-fault accidents
- Speeding tickets and other violations increase rates
- Raise your physical damage coverage deductibles
- On older vehicles, drop full coverage
- Comparison shop at least once a year
That final tip is highly crucial, as was stressed in this write-up. Prices charged by auto insurers fluctuate constantly, so drivers shouldn’t hesitate to switch to a new company if a cheaper price is available.
Having brand loyalty is commendable, but it’s not recommended if your bullheadedness ends up costing you lots of hard earned cash every month. It takes less than five minutes to shop around and find cheaper auto insurance for safe drivers in Arlington.
The agents listed below can help you make a decision which coverage fits your budget, as some drivers have questions and prefer to have a consultation when comparing insurance rates for good drivers. It can be complicated to find the cheapest car insurance policy, so getting advice from a licensed Texas insurance agent can give you comfort knowing your coverage gives you enough coverage when you need it. To locate an Arlington insurance agent close to you, click the link after the list or click here to compare price quotes.
Jackie Halpin-Osteen – State Farm Insurance Agent
2530 Legacy Point Dr – Arlington, TX 76006 – (817) 274-1601
Jane Koch Oellermann – State Farm Insurance Agent
2255 W Green Oaks Blvd – Arlington, TX 76013 – (817) 457-9933
Kennedy Insurance
820 E Park Row Dr – Arlington, TX 76010 – (817) 461-2907