What Insurance is Cheapest for Active Military in Arlington?

The vehicle model to be insured is probably the most important factor when consumers are trying to find the best car insurance for active military. Vehicles with lots of speed or power, poor safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models.

The next table features insurance prices for a selection of the cheaper automobiles to insure.

Cheapest Vehicles to Insure in Arlington, TX
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V LX 2WD $880
Ford Escape Limited 2WD $885
Jeep Grand Cherokee Laredo 2WD $930
Toyota RAV4 Limited 2WD $938
Ford Explorer Limited AWD $949
Ford F-150 Lariat Super Cab 4WD $956
Hyundai Elantra Blue 4-Dr Sedan $962
Toyota Corolla XLE $980
Honda Odyssey EX-L W/Rear Entertainment $989
Toyota Prius $986
Ford Focus S 4-Dr Sedan $995
GMC Sierra SLE Crew Cab 2WD $999
Ford Edge SE AWD $1,017
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Data based on married male driver age 40, 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 zip code location which can influence premiums greatly.

Looking at the data, vehicles like the Honda CR-V, Ford Escape, and Jeep Grand Cherokee should be a few of the most economical vehicles to insure for military personnel.

Finding good, cheap auto insurance is not the easiest thing to accomplish, and finding out which companies offer the best car insurance rates for active military will involve even more rate comparisons.

Every insurance company uses their own formula to set premium rates, so we’ll take a look at the car insurance companies with the overall cheapest rates in Arlington, TX. It’s a good idea to know that Texas car insurance rates are impacted by many things that will increase or decrease the cost of coverage. Taking a driver safety course, filing a claim, or getting a driving violation may prompt premium changes that can now make some companies cheaper than competitors.

Best Insurance Companies for Military

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What’s the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,084
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,282
5 Esurance $1,421
6 California Casualty $1,438
7 State Farm $1,495
8 Mercury $1,521
9 Nationwide $1,553
10 Safe Auto $1,565
11 Allstate $1,650
12 Progressive $1,715
13 Amica $1,757
14 Home State $2,071
15 GEICO $2,135
16 MetLife $2,227
17 Unitrin $2,264
18 Encompass $2,301
19 21st Century $2,421
20 Titan $2,672
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Travelers normally has some of the cheapest car insurance rates in Arlington at around $1,041 per year. This is $863 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the cheapest Arlington, TX insurance companies.

In the above rates, if you currently have coverage with Esurance and switched to USAA, you may realize an annual savings of approximately $337. Drivers with California Casualty could save as much as $354 a year, and State Farm insureds might realize rate reductions of up to $411 a year.

Bear in mind that those premiums are averages across all ages of drivers and types of vehicles and do not factor in an exact vehicle garaging location for active military. So the car insurance company that fits your age and vehicle best may not even be in the top 23 companies shown above. That emphasizes why you need to get auto insurance quotes using your own personal information and vehicle type.

Reckless driving habits raise Arlington car insurance rates

The ideal way to score good car insurance prices for military personnel is to be a careful driver and avoid getting tickets or having accidents. The diagram below shows how traffic citations and accidents can affect auto insurance costs for different insured age categories. The premiums assume a married male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

In the prior example, the average cost of auto insurance in Texas per year with no violations or accidents is $1,358. Receive two speeding tickets and the average cost jumps to $1,864, an increase of $506 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of car insurance for active military goes up to an average of $3,976. That’s an increase of $2,618, or $218 per month, just for being a less-than-perfect driver!

Liability only or full coverage

Reducing premiums for car insurance is the goal of most vehicle owners, and an easy way to find cheap insurance for active military is to not buy full coverage. The diagram below visualizes the comparison of yearly insurance costs with liability coverage only compared to full coverage. The data assumes no accidents, no driving violations, $100 deductibles, single marital status, and no discounts are taken into consideration.

If we average all the age groups together, physical damage coverage costs $2,181 per year more than just buying liability only. Many drivers may wonder when is it safe to stop buying full coverage. There is no specific rule of when to exclude physical damage coverage, but there is a general convention. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your vehicle’s settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after paying your policy deductible. If premiums are more than $500 annually for full coverage, then you might consider buying liability only.

Tips for buying low-cost car insurance for active military

It is possible to find better rates, and here are a few thrifty suggestions that can help you quote cheap coverage.

The last idea is highly vital, as was stressed in the article above. Car insurance rates go up and down frequently, so drivers shouldn’t hesitate to change to a new company if a better rate can be found.

Being loyal to a particular company is commendable, but is isn’t recommended if that loyalty ends up costing thousands of dollars over several years. It takes less than five minutes to compare prices to find cheaper car insurance for active military in Arlington.

If you have coverage questions and would like to have some professional guidance when trying to find the best insurance rates for active military, the insurance agencies listed below are willing to help you decide which car insurance policy is best. To find an Arlington insurance agent using an interactive map, click the button at the bottom of the list.

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