What Auto Insurance is Cheapest for 19 Year Olds in Arlington?

Finding dependable, low-cost insurance is not always easy, and finding out which companies offer the cheapest auto insurance rates for 19 year olds may require even more rate comparisons.

Every insurance company uses a little different formula to set premium rates, so first let’s look at the rankings for the auto insurance companies that tend to be cheaper in Arlington, TX.

Lowest Insurance Price Quotes for Teens

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Cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,084
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,282
5 Esurance $1,379
6 California Casualty $1,382
7 State Farm $1,465
8 Mercury $1,521
9 Nationwide $1,553
10 Safe Auto $1,597
11 Progressive $1,647
12 Allstate $1,667
13 Amica $1,723
14 Home State $2,134
15 GEICO $2,156
16 MetLife $2,249
17 Encompass $2,255
18 Unitrin $2,333
19 21st Century $2,421
20 Titan $2,568
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Travelers generally has some of the lowest car insurance rates in Arlington at around $1,052 per year. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the more affordable Arlington, TX auto insurance companies.

As illustrated above, if you currently buy coverage from Esurance and switched to USAA, you could see an annual premium reduction of roughly $295. Customers with California Casualty may save as much as $298 a year, and State Farm customers might cut rates by $381 a year.

Understand that those policy prices are averaged across all drivers and vehicles and do not take into consideration an exact location for 19 year olds. So the insurer that has the lowest price for you may not even be in the list above. That illustrates why you need to compare as many prices as possible using your own personal information and vehicle type.

The type of vehicle on the policy is one of the largest considerations that determines the availability of the cheapest coverage for 19 year olds. Vehicles with lower performance, good crash test ratings, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models.

The data below estimates coverage costs for a number of the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in Arlington, TX
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLS 4WD $2,812
Honda Accord LX-P 4-Dr Sedan $2,820
Honda CR-V EX-L 2WD $2,847
Volkswagen Jetta S 2.5 Station Wagon $3,046
Toyota Prius $3,079
Ford Edge SE 2WD $3,105
Dodge Grand Caravan SE $3,141
Honda Odyssey EX W/Rear Entertainment $3,304
Toyota RAV4 Limited 4WD $3,339
Chevrolet Malibu LS $3,347
Chevrolet Silverado LS Extended Cab 4WD $3,339
Ford F-150 FX4 4WD $3,372
Toyota Tacoma Double Cab TRD Sport Package 4WD $3,381
Ford Explorer Eddie Bauer AWD $3,372
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $3,432
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Data variables include single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in vehicle location which can alter coverage prices significantly.

Based upon the rates shown, we can presume that cars like the Ford Escape, Honda Accord, Honda CR-V, and Volkswagen Jetta are most likely to be some of the most affordable vehicles to insure for teenage drivers. Prices will tend to be more expensive because of the fact that there is more liability risk for 19 year olds, but overall those particular vehicles will most likely have the best insurance prices available.

Rate increases following a ticket or accident

The easiest method to maintain cheap auto insurance premiums in Arlington for teenage drivers is to be a careful driver and avoid traffic citations and accidents. The diagram below demonstrates how citations and at-fault accidents impact auto insurance rates for different insured age categories. The rate quotes are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

In the prior example, the average cost of an auto insurance policy in Arlington per year with a clean driving record and no accidents is $1,793. Add in one speeding ticket and the average cost jumps to $2,022, an increase of $229 each year. Next add one accident along with the one speeding ticket and the annual cost of auto insurance for 19 year olds jumps again to an average of $2,657. That’s an increase of $864, or $72 per month, just for being a less-than-perfect driver!

Selecting the best car insurance provider is hard considering how many companies sell insurance in Texas. The information shown next may help you decide which auto insurers to look at shopping prices with.

These rankings only include the largest auto insurers in America, so companies that have a smaller presence are not included in this list. To get rate quotes from these companies and more, click here.

Top 10 Large Auto Insurance Providers 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

How to find economical car insurance for 19 year olds

Below you’ll find some of the recommended penny-pinching ideas that can help Arlington drivers buy cheaper auto insurance.

That final tip is extraordinarily vital, as we stressed in this piece. Car insurance prices fluctuate constantly, so don’t be tentative to switch companies if a better rate can be found. We understand brand loyalty, but it’s not a good idea if that devotion results in you overpaying lots of hard earned cash every month. Spend a few minutes and compare rates to find cheaper auto insurance for 19 year olds in Arlington.