Writing this article would sure be easy if we could just tell you the one company in Arlington that has the rock bottom lowest rates in Texas. It’s not that easy, however, as there are many unknowns like if you have a coverage lapse, what coverage limits you need, and the performance level of your vehicle, that all influence how much you pay for auto insurance. We know insurance is not everyone’s favorite topic, but in this article we will cover some of these things and also should give you a good start in finding the cheapest insurance in Arlington.
For teen boys, one of the more important factors that help determine the amount you pay for auto insurance is where you keep your car in Arlington. Areas with more people or higher crime rates likely pay more, whereas more rural areas benefit from lower coverage costs.
The illustration below rates the priciest cities in Texas for teenage males to buy an auto insurance policy in. Arlington is ranked at #15 with an annual cost of $1,658 for car insurance, which is about $138 each month.
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Rate information is comparative as zip code location can revise rates considerably.
The vehicle needing coverage is a large consideration in finding economical coverage for teenage males. Vehicles with limited speed and performance, a great safety record, or low incidents of liability claims will cost substantially less to insure than high performance models. The data below estimates insurance premiums for a selection of the cheapest vehicles to insure in Texas.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$4,277|
|Honda Accord EX 4-Dr Sedan||$4,286|
|Honda CR-V EX 4WD||$4,321|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$4,750|
|Dodge Grand Caravan SE||$4,794|
|Chevrolet Impala LS||$5,031|
|Ford Edge SE AWD||$5,039|
|Toyota RAV4 4WD||$5,075|
|Chevrolet Malibu Hybrid||$5,085|
|Volkswagen Jetta S 4-Dr Sedan||$5,075|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$5,119|
|Ford Explorer Limited AWD||$5,129|
|Toyota Corolla XLE||$5,353|
|Hyundai Elantra SE 4-Dr Sedan||$5,359|
|Ford F-150 Lariat Crew Cab Platinum 2WD||$5,397|
|Honda Odyssey Touring||$5,402|
|Ford Fusion Sport 4-Dr Sedan||$5,397|
|Jeep Grand Cherokee SRT-8 4WD||$5,407|
|Chevrolet Equinox LTZ AWD||$5,397|
|Chevrolet Silverado LTZ Crew Cab 4WD||$5,402|
|GMC Sierra SLE Regular Cab 4WD||$5,397|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$5,406|
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Prices based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in garaging location in Arlington, TX which can alter price quotes considerably.
Looking at the numbers, you can expect vehicles like the Ford Escape, Honda Accord, Honda CR-V, and Toyota Prius will definitely be some of the cheapest vehicles to insure for teen boys. Car insurance rates will be more expensive just due to the fact that there is more claim exposure for teenage males, but in general those makes and models will have the best insurance prices available.
Buying affordable auto insurance is not always easy, and deciding which companies offer the most affordable insurance rates for teenage males involves a little more work.
Every insurance provider uses slightly different criteria to set their prices, so to begin we’ll rank the most competitive insurance companies in Arlington, TX. It’s important to know that Arlington insurance rates are determined by lots of factors that will increase or decrease the cost of having a policy. Turning one year older, adding a teenager to your policy, or getting into an accident may cause policy rate changes that can now make some companies higher when they were quite affordable.
Lowest Insurance Price Quotes for Teens
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers generally has some of the most affordable car insurance rates in Arlington at around $1,052 per year. This is $852 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the lowest-priced Arlington, TX insurance companies.
As depicted above, if you are insured with Germania Mutual and switched to USAA, you could earn annual savings of approximately $139. Texas drivers with Esurance may save as much as $304 a year, and California Casualty customers might lower prices by up to $307 a year.
To see if your current coverage is too expensive, click here or click several companies below for low rates.
It’s important to note that these prices are averages for all types of insureds and vehicles and are not factoring in a vehicle location for teenage males. So the company that is best for you may not even be in the top 23 companies in the list above. That is why you need to get car insurance quotes using your own individual information.
How to get discounts on Arlington car insurance
Insurance providers that offer coverage for teenage males may provide rate discounts that could potentially reduce rates by as much as 35% or more if you meet certain criteria. A list of insurance companies and some of the premium reductions they offer are included below.
- 21st Century policyholders can earn discounts including homeowners, student driver, automatic seat belts, teen driver, good student, early bird, and anti-lock brakes.
- Progressive may offer discounts for online signing, homeowner, multi-policy, multi-vehicle, and good student.
- State Farm includes discounts for Steer Clear safe driver discount, Drive Safe & Save, good driver, safe vehicle, and passive restraint.
- Nationwide may include discounts for accident-free, defensive driving, good student, business or organization, Farm Bureau membership, and easy pay.
- Esurance offers discounts for good driver, renters, Pac-12 alumni, online shopper, and DriveSense.
- The Hartford discounts include air bag, bundle, good student, anti-theft, vehicle fuel type, defensive driver, and driver training.
The illustration below shows the comparison of annual premium costs with and without discounts applied to the premium. The information is based on a female driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with continuous coverage, paperless filing, vehicle safety, anti-theft, paid-in-full, and passive restraint discounts applied. With discounts applied, theaverage yearly reduction on insurance for teenage males is 28% or $806.
Comparison of full coverage and liability-only policies
Finding the cheapest insurance should be important to most people, and one good way to save on the cost of insurance for teenage males is to only buy liability insurance. The illustration below shows the comparison of insurance prices with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims, a clean driving record, $250 deductibles, single status, and no policy discounts are applied.
If the expense is averaged for all age categories, full coverage on your policy costs $2,000 per year over liability only. That is a large expense and it proposes the question if it’s worth it to buy full coverage. There isn’t a written rule for dropping physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
There are some scenarios where only buying liability is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
How to find the cheapest auto insurance for teenage males
The list below details some of the better penny-pinching suggestions that can help Arlington drivers locate more affordable car insurance.
- Safer vehicles generally have cheaper insurance rates
- Avoid price increases by not filing claims
- Maintaining good credit helps earn cheaper rates
- Home or renters coverage can save on auto insurance
- Increase physical damage deductibles
- Assess whether full coverage is needed
- Comparison shop at least once a year
The last suggestion is very significant, as was noted in this article. Car insurance rates adjust often, so don’t hesitate to buy from a new company if you can find a cheaper rate.
Many consumers stick with the same company and that’s fine, but we do not recommend it if that dedication is costing a considerable chunk of change every month. Now is a great time to compare rates and find cheaper car insurance for teenage males in Arlington.
If you like to have the advice of a professional agent when buying car insurance for teen boys, the agents below are a good start to help you make a decision which coverages you need.
To locate an agency using an interactive map, click the link after the list or click here to compare price quotes.
- Gloria LeGrand – State Farm Insurance Agent
1396 W Mayfield Rd #110 – Arlington, TX 76015 – (817) 465-9191
- Nationwide Insurance: The Hulett Agency Inc
3010 W Park Row Dr – Arlington, TX 76013 – (817) 461-3251
- Boswell and Visosky Insurance
1201 Road To Six Flags # 101 – Arlington, TX 76011 – (817) 261-9594