Deciding which company has the cheapest auto insurance rates for uninsured drivers requires a bit more effort in order to find the best price. Each insurer has a unique formula for determining rates, so let’s look at the rankings for the auto insurance companies that tend to have lower prices in Arlington.
Lowest Insurance Price Quotes in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,235|
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Travelers may have some of the cheapest car insurance rates in Arlington at around $1,052 annually. This is $852 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the cheapest Arlington, TX car insurance companies.
As shown above, if you are currently insured with Texas Farm Bureau and switched to Travelers, you may see a yearly price reduction of around $183. Texas drivers with Germania Mutual may save as much as $204 a year, and Esurance policyholders might reduce rates by $327 a year.
To compare your rates to other Texas insurance companies, click here or quote prices from the following companies.
It’s important to note that these rates are averaged for all drivers and vehicles in Texas and do not take into consideration an exact zip code location for uninsured drivers. So the auto insurance company that is best suited for you may not even be in the top 23 companies in the list above. That underscores the importance of why you need to get quotes using your own individual information.
The vehicle requiring coverage is one of the biggest factors when comparison shopping for cheaper auto insurance for uninsured drivers. Vehicles with lots of horsepower, a lack of advanced safety features, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models.
The next table showcases auto insurance costs for the most cost-effective automobiles to insure in Texas.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,005|
|Ford Escape Limited 4WD||$1,092|
|Honda Accord LX 4-Dr Sedan||$1,151|
|Ford Edge Limited 2WD||$1,167|
|Chevrolet Malibu Hybrid||$1,189|
|Chevrolet Impala LT||$1,198|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,205|
|Toyota Corolla XRS||$1,274|
|GMC Sierra 3500HD SLE Regular Cab 2WD||$1,296|
|Dodge Ram Quad Cab SLT 2WD||$1,299|
|Ford Focus S 4-Dr Sedan||$1,337|
|Chevrolet Equinox LT AWD||$1,362|
|Ford F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$1,380|
|Hyundai Elantra Blue 4-Dr Sedan||$1,408|
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in your specific Arlington, TX location which can modify rates noticeably.
Based upon the rates shown, you can figure that models like the Honda CR-V, Ford Escape, and Toyota Prius are likely to be a few of the most affordable vehicles to insure for drivers with no prior coverage.
One of the more important components that determine the annual cost of car insurance is where you live. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The information below rates the most costly cities in Texas for uninsured drivers to buy auto insurance in. Arlington shows up at #16 having an annual price of $1,642 for the average insurance policy, which is around $137 per month.
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Rate information is estimated as the garaging address in Arlington can revise rates significantly.
Get discounts on Arlington car insurance rates
Insurance companies that sell policies for uninsured drivers may also offer premium discounts that may potentially lower prices by 35% or more if you meet eligibility requirements. Popular auto insurance companies and their offered discounts are shown below.
- GEICO policyholders can earn discounts including military active duty, air bags, multi-vehicle, emergency military deployment, federal employee, anti-theft, and multi-policy.
- MetLife offers premium reductions for accident-free, good student, defensive driver, good driver, multi-policy, and claim-free.
- State Farm may include discounts for multiple autos, driver’s education, accident-free, good driver, passive restraint, and Drive Safe & Save.
- Progressive may offer discounts for homeowner, good student, continuous coverage, multi-vehicle, online quote discount, online signing, and multi-policy.
- Mercury Insurance has discounts for location of vehicle, low natural disaster claims, annual mileage, multi-car, and age of vehicle.
- 21st Century discounts include theft prevention, homeowners, early bird, 55 and older, automatic seat belts, student driver, and air bags.
- Allstate offers discounts including utility vehicle, eSmart discount, farm vehicle, multi-policy, FullPay discount, defensive driver, and resident student.
The information below shows the difference between insurance prices with and without discounts applied to the rates. The price estimates are based on a male driver, no violations or accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple vehicle, vehicle safety, claim-free, multiple policy, homeowner, and defensive driving course discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for uninsured drivers is 28% or $542.
Cost difference between full coverage and liability
Paying a lower price for auto insurance is the goal of the majority of drivers, and one way to lower the cost of insurance for uninsured drivers is to only pay for liability coverage. The diagram below visualizes the comparison of insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The rate quotes are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied to the premium.
If all age groups are averaged, full coverage on your policy costs $2,181 per year over and above liability only. That is a large expense and it proposes the question if full coverage is worth the money. There is no specific rule of when to drop comp and collision coverage, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
There are some circumstances where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Impact of violations and accidents on rates
The best way to obtain cheap auto insurance rates in Arlington for drivers with no prior coverage is to drive safe and not receive tickets or have accidents. The information below highlights how speeding tickets and fender-benders can influence car insurance rates for each different age group. The information is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
The data above shows the average cost of a car insurance policy in Arlington per year with no accidents or violations is $2,539. Factor in one speeding ticket and the average cost surges to $2,914, an increase of $375 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of auto insurance for uninsured drivers jumps again to an average of $6,057. That’s an increase of $3,518, or $293 per month, just for not driving safely!
The importance of shopping around
Texas auto insurance rates are based on many factors that will increase or decrease the price of your policy. Getting older, filing a claim, or getting a reckless driving citation may generate price changes that can cause some rates to be more affordable than before. In addition to those changes, car insurance companies file new Texas auto insurance rates as often as every three months in order to offset underwriting gains or losses. A period of higher than normal claims may result in higher rates, while lower claims can produce lower-cost Arlington car insurance rates.
As an example, the data below analyzes the cheapest car insurance in Arlington, TX for a 45-year-old male driver with no accidents or violations, and a decent credit rating. When comparing rates based on his personal profile, Travelers has the cheapest car insurance rates in Arlington at $1,184 each year. This is $720 less than the average premium 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.
The example below compares rates after we give the driver in the first chart some claims, a little lower credit rating, and a traffic citation. Since every car insurance company uses their own formula for filing rates in each state, comparing quotes could now result in a different set of the cheapest Arlington car insurance companies as shown below.
State Farm now has the cheapest rate in Arlington with Mercury, USAA, Safe Auto, and Nationwide now rounding out the top five. This shows why it is important to shop around to get affordable auto insurance quotes for uninsured drivers. Auto insurance prices are calculated by many things and can change substantially, so the cheapest option the last time you compared rates may now be costing you a lot of money.