What Auto Insurance is Cheapest for Felons in Arlington?

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

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Rankings for the cheapest car insurance companies in Texas
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
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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.

How much does car insurance cost in Arlington, TX?
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
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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.

Cheapest Vehicles to Insure in Arlington, TX
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
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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

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top 10 Large Auto Insurance Companies 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

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

Save on auto insurance for felons in ArlingtonInsurers 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.

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.