What Auto Insurance is Cheapest After a Speeding Ticket in Arlington?

The make and model of vehicle you are seeking coverage for is one of the largest factors that determines whether or not you find the most economical coverage after a speeding ticket. Vehicles with lots of horsepower, poor safety ratings, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.

The list below outlines auto insurance rates for some of the most affordable vehicles to insure.

Cheapest Vehicles to Insure in Arlington, TX
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,494
Ford Escape XLS 2WD $1,648
Toyota Tacoma 4WD $1,673
Toyota Camry LE $1,768
Toyota RAV4 Limited 2WD $1,778
Toyota Prius $1,826
Dodge Grand Caravan SE $1,847
Ford Edge Sport AWD $1,866
Volkswagen Jetta S 2.5 Station Wagon $1,887
Kia Optima LX $1,896
Jeep Grand Cherokee Limited 2WD $1,898
Ford Focus SE 4-Dr Sedan $1,914
GMC Sierra 3500HD SLE Extended Cab 2WD $1,931
Chevrolet Malibu Hybrid $1,951
Ford F-150 STX Super Cab 4WD $1,982
Honda Accord LX-S 2-Dr Coupe $1,993
Jeep Wrangler Unlimited Sport 4WD 4-Dr $2,007
Compare Cheap Rates Go

Table data represents single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, and multi-vehicle. Information does not factor in specific zip code location which can alter premium rates significantly.

Based on these rates, we can infer that makes and models like the Honda CR-V, Ford Escape, and Toyota Tacoma will be some of the cheapest vehicles to insure after a few driving violations.

One of the more important things that are looked at to help calculate the price you pay for insurance is your zip code in Arlington. More populated areas will most likely pay more, whereas more rural areas benefit from lower coverage costs.

The information below sorts the highest-priced areas in Texas after a speeding ticket to buy car insurance in. Arlington is listed at #14 with an annual cost of $1,692 for the average policy, which is about $141 per month.

How much is car insurance in Arlington?
Rank City Premium Per Year
1 McAllen $1,996
2 Dallas $1,911
3 Houston $1,891
4 Laredo $1,889
5 Brownsville $1,851
6 Pasadena $1,812
7 Amarillo $1,786
8 Garland $1,778
9 Irving $1,772
10 Mesquite $1,771
11 Grand Prairie $1,757
12 Beaumont $1,754
13 San Antonio $1,739
14 Arlington $1,692
15 Lubbock $1,665
16 Fort Worth $1,653
17 McKinney $1,625
18 Carrollton $1,615
19 Austin $1,610
20 Corpus Christi $1,588
21 El Paso $1,584
22 Waco $1,569
23 Plano $1,560
24 Abilene $1,545
25 Killeen $1,488
Quote Best Rates Go

Premium amounts are comparative as vehicle location can impact premium rates significantly.

Trying to buy cost effective insurance is not always easy, and figuring out which company offers the cheapest car insurance rates after a speeding ticket takes even more perseverance. Every auto insurer has a unique formula for filing rates in each state, so we’ll take a look at the car insurance companies with the overall best prices in Arlington, TX.

It’s important that readers know that Arlington, TX car insurance rates are influenced by many factors which can substantially change the cost of a policy. Getting older, moving to a new city, or having a fender bender may generate price changes resulting in some companies being higher when they were quite affordable.

Find Cheaper Auto Insurance with Licence Points

Click to Compare Rates Now

Rankings for the cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,084
3 Germania Mutual $1,244
4 Texas Farm Bureau $1,247
5 Esurance $1,365
6 California Casualty $1,438
7 Mercury $1,461
8 State Farm $1,465
9 Nationwide $1,553
10 Safe Auto $1,565
11 Progressive $1,698
12 Amica $1,705
13 Allstate $1,718
14 Home State $2,071
15 GEICO $2,093
16 MetLife $2,161
17 Encompass $2,301
18 Unitrin $2,333
19 21st Century $2,421
20 Titan $2,594
Compare Rates Now Go

Travelers quotes some of the most affordable car insurance rates in Arlington at around $1,021 annually. This is $883 less than the average price paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance also are some of the cheaper Arlington, TX insurance companies.

As depicted above, if you are currently insured with Texas Farm Bureau and switched to Travelers, you could earn savings of roughly $226. Policyholders with Esurance might save as much as $344 a year, and California Casualty customers might lower prices by up to $417 a year.

Remember that these rates are averages for all drivers and vehicles in Texas and and are not calculated with a specific vehicle garaging location after a speeding ticket. So the auto insurance company that is best for you may not even be in the top 23 companies in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.

Should you buy full coverage?

Paying a lower price for car insurance should be important to most people, and one of the quickest ways to pay lower rates for insurance after a speeding ticket is to only buy liability coverage. The example below illustrates the comparison of insurance rates with full physical damage coverage and with liability coverage only. The data assumes no accidents, no driving violations, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

On average, comprehensive and collision coverage on your policy costs $1,730 per year over and above liability coverage. Many drivers may wonder if paying for full coverage is a waste of money. There is no set rule to stop buying comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your vehicle’s settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $6,000 after paying the physical damage deductible. If you are paying over $600 a year for your policy with full coverage, then you may need to consider dropping full coverage.

Best car insurance company in Texas

Insuring your vehicle with the highest-rated insurer can be rather challenging considering how many choices you have in Texas. The information in the next section may help you select which auto insurance companies to look at comparing rate quotes with.

The rankings below include companies with a national presence, so companies that have a smaller presence are not included in the list. If you wish to compare rates and find the cheapest rates after a speeding ticket, just click here.

Top 10 Major Auto Insurers in Arlington Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Violations and accidents raise rates

In a perfect world, the best way to find the cheapest car insurance premiums after a few driving violations is to be a safe driver and avoid traffic citations and accidents. The information below illustrates how traffic citations and at-fault claims can raise car insurance costs for different age groups. The premiums are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

In the previous example, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,682. Receive one speeding ticket and the average cost hikes up to $1,957, an increase of $275 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of car insurance after a speeding ticket jumps again to an average of $2,732. That’s an increase of $1,049, or $87 per month, just for not maintaining a clean driving record!

Tips for buying cheaper insurance after a speeding ticket

It’s not impossible to find cheaper rates, and here are many thrifty solutions that can help Arlington drivers locate cheaper car insurance.

That final tip is extremely important, as was noted in this article. Auto insurance prices change constantly, so don’t be afraid to switch companies if you can find a cheaper rate.

We understand brand loyalty, but we do not recommend it if that stubbornness costs you hundreds every year. In less than five minutes you could shop around and find cheaper auto insurance after a speeding ticket in Arlington.

The professional agents shown below are a good start to answer your questions and help you decide which coverages and limits you need, as many people would rather have professional advice when trying to find the best insurance rates after a few driving violations. It’s not always simple to find coverage yourself, so getting advice from a licensed agent can provide peace of mind knowing your coverage gives you suitable coverage if you have an accident. To locate an Arlington car insurance agency near you, click the link at the bottom or click here to compare price quotes.

View more Arlington, TX insurance agents