It’s impossible to miss the captivating ads from insurers like Allstate, Farmers, and Progressive that promise big savings. So you just need to select the one with the best jingle, right?
Unfortunately, it’s not that simple as there are a whole bunch of unknown aspects like tickets or driving violations, if you are a homeowner, and the level of liability coverage you want. This article covers the best ways to save money and will hopefully give the reader a good beginning to your search for cheaper coverage.
Finding reliable, reasonably-priced auto insurance is not the easiest thing to accomplish, and determining which companies offer the cheapest auto insurance rates for felons involves even more perseverance. Each insurer uses slightly different criteria to set policy rates, so to begin we’ll rank the auto insurance companies that tend to have lower prices in Texas.
Best Insurance Companies for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,095 |
| 3 | Germania Mutual | $1,244 |
| 4 | Texas Farm Bureau | $1,247 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,382 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,553 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,757 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,672 |
| Get a Custom Quote Go | ||
Travelers may have some of the most affordable car insurance rates in Arlington at around $1,021 per year. USAA, Germania Mutual, Texas Farm Bureau, and Esurance also qualify as some of the cheapest Arlington, TX insurance companies.
As shown in the table above, if you currently buy coverage from Texas Farm Bureau and switched to USAA, you may realize an annual savings of in the neighborhood of $152. Drivers with Esurance might save as much as $270 a year, and California Casualty customers might cut rates by $287 a year.
To find out how much you can save, click here to start your custom quote or click several companies below for low rates.
These rates are averaged across all insureds and vehicles and and are not figured with a specific zip code for felons. So the auto insurance company that can offer the best rates for your situation may not even be in the list above. That is why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
For felons, one of the largest criteria that determine the cost of insurance is where you choose to live. Areas with high crime rates or more dense population tend to have higher rates, whereas areas with less crime or weather claims benefit from lower coverage costs.
The illustration below rates the priciest cities in Texas for felons in which to buy car insurance. Arlington ranks #14 costing $1,709 for coverage, which is around $142 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Brownsville | $1,908 |
| 3 | Laredo | $1,907 |
| 4 | Houston | $1,891 |
| 5 | Dallas | $1,837 |
| 6 | Garland | $1,832 |
| 7 | Grand Prairie | $1,811 |
| 8 | Mesquite | $1,807 |
| 9 | Amarillo | $1,804 |
| 10 | Pasadena | $1,794 |
| 11 | Beaumont | $1,772 |
| 12 | Irving | $1,736 |
| 13 | San Antonio | $1,722 |
| 14 | Arlington | $1,709 |
| 15 | Lubbock | $1,682 |
| 16 | Carrollton | $1,664 |
| 17 | Austin | $1,627 |
| 18 | Corpus Christi | $1,620 |
| 19 | El Paso | $1,616 |
| 20 | McKinney | $1,609 |
| Find Cheaper Insurance Go | ||
Premium amounts are comparative as the specific area where the vehicle is garaged can raise or lower prices considerably.
The vehicle you are insuring is a large consideration when trying to find affordable insurance for felons. Vehicles with limited speed and performance, modern passenger safety features, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models.
The list below illustrates car insurance prices for a number of the most cost-effective automobiles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $944 |
| Hyundai Elantra GLS Touring Station Wagon | $954 |
| Honda Accord EX 4-Dr Sedan | $1,034 |
| Ford Escape XLT 4WD | $1,095 |
| Toyota Tacoma 2WD | $1,101 |
| Volkswagen Jetta 2.0T Station Wagon | $1,109 |
| Ford F-150 XL Super Cab 2WD | $1,133 |
| Honda Odyssey LX | $1,140 |
| Ford Edge Sport AWD | $1,179 |
| Toyota Camry SE | $1,186 |
| Toyota Prius | $1,181 |
| Chevrolet Impala LS | $1,198 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,201 |
| Jeep Grand Cherokee Limited 2WD | $1,207 |
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,220 |
| Start a Quote Go | |
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific location which can increase or decrease premiums considerably.
Based upon the table data, we can expect makes and models like the Honda CR-V, Hyundai Elantra, Honda Accord, Ford Escape, and Toyota Tacoma will definitely be a few of the most budget-friendly vehicles to insure for felons.
Selecting a highly-rated insurance company is difficult considering how many different companies insure vehicles in Texas. The ranking data below may help you select which insurers to look at when buying insurance for felons.
These ratings are only comprised of large nationwide companies, so smaller companies are not included in the list. To get price quotes from these top-rated insurers and more, follow this link.
Top 10 Large Auto Insurance Companies in Arlington Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Large Auto Insurance Companies Overall in Arlington
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Liability rates compared to full coverage
Lowering the price of auto insurance should be important to the majority of vehicle owners, and one of the fastest ways to pay lower rates for insurance for felons is to buy only liability coverage. The diagram below compares auto insurance rates with and without full coverage. The costs are based on a clean driving record, no claims, $100 deductibles, single status, and no discounts are taken into consideration.
If averaged for all ages, full coverage on your policy costs $2,181 per year more than just insuring for liability. Many drivers may wonder if paying for full coverage is a waste of money. There is no clear-cut rule for dropping full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your vehicle’s settlement value is $10,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $9,000 after you pay the deductible. If you are currently paying more than $900 a year for full coverage, then it might be time to buy liability only.
There are a few situations where removing full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Get discount Arlington insurance
Insurers that offer quotes for felons could also offer premium discounts that can reduce rates by as much as 35% if you meet the requirements. A list of auto insurance companies and their possible discounts can be found below.
- GEICO may offer discounts for military active duty, seat belt use, multi-vehicle, driver training, anti-lock brakes, five-year accident-free, and federal employee.
- MetLife may have discounts that include multi-policy, good student, accident-free, good driver, claim-free, and defensive driver.
- Progressive offers discounts including homeowner, multi-vehicle, online signing, multi-policy, online quote discount, and good student.
- Travelers offers discounts for hybrid/electric vehicle, new car, multi-car, continuous insurance, and payment discounts.
- SAFECO offers premium reductions for accident prevention training, bundle discounts, safe driver, multi-car, and anti-theft.
- AAA discounts include good driver, good student, multi-policy, AAA membership discount, multi-car, and pay-in-full.
The chart below visualizes the comparison of insurance premiums with and without some available policy discounts. The information is based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with accident-free, defensive driving course, multiple policy, passive restraint, homeowner, and multiple vehicle discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for felons is 28% or $645.