What is the Best Cheap Auto Insurance in Arlington, Texas?

Finding out which company offers the most affordable car insurance rates in Arlington will involve more time than just comparing a company or two. Each auto insurance company has a unique approach for determining prices, so let’s take a look at the car insurance companies with the most affordable rates in Texas.

Cheapest Texas car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,128
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,282
5 Esurance $1,365
6 California Casualty $1,396
7 Mercury $1,476
8 State Farm $1,510
9 Safe Auto $1,597
10 Nationwide $1,600
11 Allstate $1,650
12 Progressive $1,715
13 Amica $1,757
14 GEICO $2,072
15 Home State $2,155
16 MetLife $2,227
17 Encompass $2,324
18 Unitrin $2,333
19 21st Century $2,421
20 Titan $2,594
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Travelers normally has some of the cheapest car insurance rates in Arlington at around $1,010 annually. This is $894 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheaper Arlington, TX insurance companies.

As depicted above, if you currently have a policy with Germania Mutual and switched to USAA, you might realize annual savings of roughly $154. Customers with Esurance may save as much as $237 a year, and California Casualty insureds might reduce rates by $268 a year.

These estimates are averages across all insureds and vehicles and and are not calculated with a specific zip code in Arlington. So the auto insurance company that fits your needs best may not even be in the top 23 companies in the list above. That illustrates why you need to compare rates from multiple companies using your own personal information and vehicle type.

One of the more important factors that are used to help calculate the price you pay for insurance is your zip code in Arlington. Areas with more people or higher crime rates tend to pay slightly more, whereas areas that tend to be more rural have the luxury of lower rates.

The table below ranks the most expensive cities in Texas to purchase auto insurance in. Arlington comes in at #17 with an annual cost of $1,642 on average, which is about $137 each month.

How much does auto insurance cost in Arlington?
Rank City Annual Premium
1 McAllen $1,936
2 Brownsville $1,908
3 Laredo $1,907
4 Amarillo $1,840
5 Dallas $1,837
6 Houston $1,835
7 Pasadena $1,812
8 Garland $1,796
9 Mesquite $1,753
10 Grand Prairie $1,740
11 Irving $1,736
12 Lubbock $1,733
13 Beaumont $1,702
14 Austin $1,676
15 San Antonio $1,671
16 Fort Worth $1,653
17 Arlington $1,642
18 McKinney $1,625
19 Plano $1,608
20 Carrollton $1,598
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Premium amounts are comparative as specific location information can alter coverage rates noticeably.

The vehicle you are insuring is a large factor when trying to find the best insurance in Arlington. Vehicles with lots of speed or power, a lack of modern safety features, or a track record of large liability claims will cost more to insure than more economical and safe models. The data below illustrates insurance prices for a selection of the more affordable vehicles to insure.

Cheapest Vehicles to Insure in Arlington, TX
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 2WD $838
Honda CR-V EX 2WD $914
Volkswagen Jetta LE 4-Dr Sedan $990
Toyota RAV4 Limited 2WD $999
Nissan Altima 2.5 4-Dr Sedan $990
Hyundai Elantra SE Touring Station Wagon $992
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,021
Chevrolet Silverado LS Regular Cab 4WD $1,023
Ford F-150 FX2 Super Cab 2WD $1,033
Ford Edge SE 2WD $1,023
Toyota Prius $1,048
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,061
GMC Sierra SLT Extended Cab 4WD $1,069
Chevrolet Malibu Hybrid $1,079
Toyota Tacoma Double Cab 4WD $1,103
Jeep Grand Cherokee Laredo 2WD $1,108
Chevrolet Equinox LS 2WD $1,115
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Information does not factor in specific location information which can change auto insurance rates substantially.

Based upon the table data, we can expect cars like the Ford Escape, Honda CR-V, and Volkswagen Jetta are likely to be some of the most affordable vehicles to insure for drivers in Arlington.

Full coverage versus liability only rates

Reducing premiums for insurance should be important to most people, and one of the easiest ways to find cheap insurance in Arlington is to buy only liability coverage. The example below shows the difference between auto insurance costs with full physical damage coverage and with liability coverage only. The premiums are based on no violations or accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.

If all age groups are averaged, physical damage coverage costs an extra $2,181 per year more than just buying liability only. That is a large expense which might make you wonder if physical damage coverage is worth the money. There is no written rule to eliminate full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

There are a few situations where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Low rates today, overpriced tomorrow

Arlington, TX insurance rates are based on many factors which can substantially decrease or increase the cost of having a policy. Improving your credit rating, increasing liability limits, or having an accident may prompt premium changes that can now make some companies affordable when they were higher priced.

In addition to those changes, insurance companies change their prices as often as every quarter to adjust for gains or losses. Unexpectedly high claims can cause higher prices, while lower claims may produce lower-cost Arlington car insurance rates.

For instance, the chart below demonstrates which company has the cheapest car insurance in Arlington, TX for a 45-year-old female driver with no violations or accidents, and solid credit. If we look at prices based on her current rating profile, Travelers offers the lowest car insurance rates in Arlington at $1,128 each year. This is $776 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the rest of the cheapest Arlington, TX auto insurance companies.

In the next rate comparison, we’ll give the driver from the first example some claims, a lower credit rating, and an imperfect driving record. Because every insurance company uses a different method for establishing rates, comparing prices will most likely result in a new list of cheap Arlington auto insurance companies as shown below.

Mercury now has the lowest car insurance rate in Arlington with USAA, State Farm, Nationwide, and Safe Auto now rounding out the top five. This shows why Arlington drivers need to compare many different companies when trying to find the most economical car insurance quotes in Arlington. Auto insurance prices are made up of many risk factors and can change without notice, so the most economical option the last time you shopped your coverage around may now be quite expensive.

The agents listed below can answer your questions and help you decide which coverages and limits you need, as some drivers have questions and prefer to have some advice when trying to find the best insurance rates for drivers in Arlington. It can be time-consuming to find the best coverage on your own, so insurance agents licensed in the state of Texas can bring peace of mind knowing your policy gives you adequate protection in the event of a claim. To find an Arlington insurance agent close to you, click the button below the list.

More insurance agents in Arlington, TX

How to find economical auto insurance in Arlington

It’s not impossible to find cheaper rates, and here are a few penny-pinching suggestions that can help drivers find more affordable coverage.

The last idea is certainly crucial, as was emphasized in this piece. Prices charged by auto insurers change frequently, so drivers shouldn’t be reluctant to buy a different policy if a cheaper rate is available. Having a favorite company is great, but is isn’t recommended if that stubbornness costs you hundreds of dollars a year. If you have a few minutes, now is a great time to compare rates and find cheaper insurance in Arlington in Arlington.