How Much are Auto Insurance Quotes for Homeowners in Arlington?

One of the many factors that are looked at to determine insurance cost is where your car is garaged. Areas with increased crime or more people likely pay more, whereas areas that tend to be more rural benefit from lower coverage costs.

The information below ranks the most expensive areas in Texas for homeowners to purchase car insurance in. Arlington makes the list at #14 with an annual rate of $1,692 on average, which is around $141 per month.

Car insurance prices in Arlington
Rank City Premium Per Year
1 McAllen $1,996
2 Brownsville $1,908
3 Dallas $1,893
4 Houston $1,891
5 Laredo $1,851
6 Grand Prairie $1,811
7 Pasadena $1,794
8 Amarillo $1,786
9 Garland $1,778
10 Mesquite $1,753
11 Irving $1,736
12 San Antonio $1,722
13 Beaumont $1,720
14 Arlington $1,692
15 Lubbock $1,665
16 Corpus Christi $1,636
17 McKinney $1,625
18 Fort Worth $1,621
19 Austin $1,610
20 Carrollton $1,598
21 El Paso $1,584
22 Plano $1,576
23 Abilene $1,545
24 Waco $1,537
25 Killeen $1,488
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Prices are approximated as specific Arlington garaging address can influence price quotes significantly.

The make and model of vehicle to be insured is a significant factor that determines whether or not you find the cheapest auto insurance for homeowners. Vehicles with lots of horsepower, a lack of advanced safety features, or a history of substantial liability claims will cost significantly more to insure than safer models.

The table below illustrates car insurance premiums for the most cost-effective vehicles to buy insurance for.

Cheapest Vehicles to Insure in Arlington, TX
Vehicle Insured Estimated Cost for Full Coverage
Volkswagen Jetta S 2.5 Station Wagon $1,045
Toyota Prius $1,067
Honda Odyssey EX $1,116
Chevrolet Malibu Hybrid $1,137
Jeep Wrangler Sport 4WD 2-Dr $1,143
Nissan Altima 2.5 S 4-Dr Sedan $1,197
Honda CR-V EX-L 4WD $1,212
Ford Fusion Sport 4-Dr Sedan $1,219
Ford F-150 XLT Super Cab 2WD $1,237
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,241
Ford Focus SE 4-Dr Sedan $1,279
Honda Accord EX 2-Dr Coupe $1,281
Ford Escape Limited 4WD $1,288
Dodge Ram 2500 Crew Cab ST 2WD $1,304
Jeep Grand Cherokee Laredo 2WD $1,312
Kia Optima EX $1,304
Toyota RAV4 Limited 4WD $1,312
Dodge Grand Caravan Hero $1,304
Ford Explorer Limited AWD $1,328
Ford Edge Limited 2WD $1,371
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Prices above based on single female 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, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in your specific Arlington, TX location which can impact auto insurance rates noticeably.

Based upon the table data, you can see that models like the Volkswagen Jetta, Toyota Prius, Honda Odyssey, and Chevrolet Malibu will definitely be some of the most economical vehicles to insure for people who own their homes.

Figuring out which companies offer the cheapest auto insurance rates for homeowners will involve a little more effort in order to find the lowest price. Each company has their own guidelines for filing rates in each state, so to begin we’ll rank the auto insurance companies that tend to have lower prices in Arlington, TX.

It’s important that readers know that Arlington auto insurance rates are based on many factors that will increase or decrease the cost of your policy. Getting older, buying a different vehicle, or getting a speeding ticket may cause policy rate changes resulting in some companies being affordable when they were higher priced.

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Who has the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,117
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,256
5 Esurance $1,365
6 California Casualty $1,382
7 Mercury $1,506
8 State Farm $1,510
9 Safe Auto $1,597
10 Nationwide $1,600
11 Allstate $1,650
12 Progressive $1,664
13 Amica $1,757
14 Home State $2,134
15 GEICO $2,135
16 MetLife $2,249
17 Encompass $2,324
18 Unitrin $2,333
19 21st Century $2,494
20 Titan $2,594
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Travelers generally has some of the most affordable car insurance rates in Arlington at around $1,041 a year. This is $863 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the cheapest Arlington, TX auto insurance companies.

In the above example, if you have coverage with Esurance and switched to USAA, you may realize a yearly price reduction of roughly $248. Policyholders with California Casualty may save as much as $265 a year, and Mercury insureds might lower prices by up to $389 a year.

These estimates are averages for all ages of drivers and types of vehicles and are not factoring in an exact vehicle garaging location for homeowners. So the company that can offer the best rates for your situation may not even be in the list above. That helps illustrate why you need to get rate quotes from many companies using your own specific driver and vehicle information.

The information below shows how choosing a deductible can impact insurance costs when trying to find cheap insurance for homeowners. The costs are based on a single female driver, comp and collision included, and no discounts are factored in.

In the chart above, a 40-year-old driver could lower their policy premium by $302 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $456 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, could lower their rates $766 every year just by using higher deductibles. If you do decide to increase your deductibles, it’s a good idea to have emergency funds available to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

How to get discounts on Arlington auto insurance rates

Cheaper Arlington, TX auto insurance for people who own their homesCar insurance companies that offer coverage for homeowners may also provide special discounts that could reduce prices by 25% or more if you meet specific eligibility requirements. A list of companies and the discounts they provide can be read below.

The information below compares car insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, defensive driving course, safe-driver, anti-theft, marriage, and claim-free discounts applied. With discounts applied, theamount saved on auto insurance for homeowners is 28% or $474.

Reckless driving habits raise Arlington auto insurance rates

The obvious way to enjoy good auto insurance prices in Arlington for people who own their homes is to drive safe and avoid traffic citations and accidents. The diagram below demonstrates how traffic citations and accidents can affect insurance costs for different insured age categories. The rate quotes are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

In the prior example, the average cost of a car insurance policy per year with no accidents or violations is $1,834. Receive two speeding tickets and the average cost swells to $2,519, an increase of $686 each year. Then add one accident along with the two speeding tickets and the annual cost of auto insurance for homeowners increases to an average of $3,224. That’s an increase of $1,390, or $116 per month, just for not driving attentively!

Low rates can quickly become overpriced

Arlington, TX auto insurance rates are calculated based on many things that control the price of coverage. Turning one year older, adding a teenager to your policy, or getting a ticket for careless driving can trigger changes in premium resulting in some rates now being more affordable than before.

Not only may things change on your end, but companies change rates multiple times each year to adjust for gains or losses. Significantly higher losses can cause additional premium costs, while a profitable period can produce lower-priced Arlington car insurance rates.

The data below shows rates for the cheapest car insurance in Arlington, TX for a 40-year-old female driver with a good driving record, no prior claims, and excellent credit. If we estimate prices based on her current situation, Travelers quotes the lowest car insurance rates in Arlington at $1,160 a year. This is $744 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the most affordable Arlington, TX auto insurance companies.

Now let’s give the driver from the first set of rates an accident surcharge, slightly worse credit, and a traffic ticket or two. Since each auto insurer has a proprietary method to determine rates, getting updated rate quotes may now present a different ranking of cheap Arlington auto insurance companies as shown below.

Mercury now has the best car insurance rate in Arlington, TX with State Farm, USAA, Nationwide, and Safe Auto also having competitive pricing. This example demonstrates why drivers need to compare rates to get the most budget-friendly car insurance rates for homeowners. Insurance rates can be determined by many risk factors and can increase or decrease at any time, so the most affordable company three years ago may now be one of the higher cost companies.