The type of vehicle requiring coverage is one of the main factors that determines if you can find the best cheap insurance for low mileage drivers. Vehicles with limited speed and performance, modern passenger safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models. The information below outlines coverage costs for a handful of the most cost-effective vehicles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $926 |
| Ford Escape XLS 2WD | $935 |
| Honda Accord EX 4-Dr Sedan | $926 |
| Toyota Prius | $1,025 |
| Honda CR-V EX-L 2WD | $1,073 |
| Toyota RAV4 Sport 4WD | $1,095 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,127 |
| Honda Civic LX-S 4-Dr Sedan | $1,134 |
| Ford F-150 STX Regular Cab 4WD | $1,142 |
| Toyota Camry XLE | $1,153 |
| Nissan Rogue S AWD | $1,173 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,175 |
| Toyota Tacoma 4WD | $1,177 |
| Dodge Ram Quad Cab SLT 2WD | $1,194 |
| Honda Odyssey EX | $1,205 |
| Dodge Grand Caravan SXT | $1,225 |
| Chevrolet Impala LT | $1,233 |
| Chevrolet Equinox LT AWD | $1,242 |
| Chevrolet Malibu Hybrid | $1,233 |
| Ford Explorer Eddie Bauer AWD | $1,259 |
| Kia Optima LX | $1,285 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,290 |
| Toyota Corolla S | $1,292 |
| Start a Quote Go | |
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates noticeably.
By looking at the data, you can expect makes and models like the Hyundai Elantra, Ford Escape, and Honda Accord are going to be a few of the more affordable vehicles to insure for infrequent drivers.
One of the many criteria that aid in calculating the amount you pay each year for auto insurance is where your car is garaged. More densely populated places tend to pay slightly more, whereas areas with less congestion receive better rates.
The illustration below sorts the most costly cities in Texas for low mileage drivers in which to buy car insurance. Arlington ranks #14 with a yearly cost of $1,692 for the average insurance policy, which is around $141 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Brownsville | $1,870 |
| 3 | Amarillo | $1,858 |
| 4 | Garland | $1,850 |
| 5 | Dallas | $1,837 |
| 6 | Houston | $1,835 |
| 7 | Laredo | $1,833 |
| 8 | Mesquite | $1,825 |
| 9 | Pasadena | $1,794 |
| 10 | Grand Prairie | $1,793 |
| 11 | Irving | $1,736 |
| 12 | Lubbock | $1,733 |
| 13 | Beaumont | $1,720 |
| 14 | Arlington | $1,692 |
| 15 | San Antonio | $1,671 |
| 16 | Austin | $1,627 |
| 17 | Plano | $1,624 |
| 18 | Fort Worth | $1,621 |
| 19 | El Paso | $1,616 |
| 20 | Carrollton | $1,615 |
| 21 | Corpus Christi | $1,588 |
| 22 | McKinney | $1,577 |
| 23 | Killeen | $1,533 |
| 24 | Waco | $1,522 |
| 25 | Abilene | $1,499 |
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Table data uses estimated as the specific garaging location can change prices considerably.
Finding out which insurers offer the lowest-priced car insurance rates for low mileage drivers will involve a bit more work than just comparing a company or two. Every car insurance company uses their own formula to set policy rates, so let’s examine the most affordable car insurance companies in Texas.
We do need to point out that Arlington, TX car insurance rates are calculated based on many things that will increase or decrease the price you have to pay. Simply having a birthday, buying a different vehicle, or getting caught speeding may cause policy rate changes that may make certain companies cheaper in comparison to the competition.
Best Cheap Insurance Rates in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,396 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,476 |
| 9 | Nationwide | $1,600 |
| 10 | Safe Auto | $1,613 |
| 11 | Allstate | $1,650 |
| 12 | Progressive | $1,664 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,093 |
| 16 | MetLife | $2,227 |
| 17 | Unitrin | $2,310 |
| 18 | Encompass | $2,324 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,672 |
| Get a Custom Quote Go | ||
Travelers may have some of the lowest car insurance rates in Arlington at around $1,052 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the cheaper Arlington, TX auto insurance companies.
As shown above, if you have coverage with Esurance and switched to USAA, you may see a yearly savings of upwards of $262. Insureds with California Casualty could save as much as $279 a year, and State Farm insureds might reduce prices by as much as $333 a year.
Bear in mind that those policy prices are averages across all drivers and vehicles in Texas and and are not calculated with a specific zip code for low mileage drivers. So the auto insurance company that fits your situation best may not even be in the top 23 companies in the list above. That’s why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
Tickets and at-fault accidents raise rates
The easiest way to enjoy cheap car insurance prices in Texas for infrequent drivers is to drive safely and not have accidents or get tickets. The chart below demonstrates how speeding tickets and at-fault claims can increase premium costs for different age groups. The costs are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.
The data above shows the average cost of auto insurance per year with no accidents and a clean driving record is $1,867. Get written up for one speeding ticket and the average cost hikes up to $2,178, an increase of $311 each year. Now get two accidents along with the one speeding ticket and the annual cost of car insurance for low mileage drivers goes up to an average of $4,957. That’s an increase of $3,090, or $258 per month, just for not being more responsible behind the wheel!
Cost comparison with and without full coverage
Buying cheaper car insurance is important to most people, and a great way to reduce the cost of insurance for low mileage drivers is to only buy liability coverage. The illustration below shows the difference between car insurance costs when comparing full coverage to liability only. Data assumes no accidents or driving violations, $250 deductibles, single marital status, and no discounts are applied.
If we average the cost for all age groups, comp and collision coverage costs an extra $2,000 per year more than carrying just liability coverage. That may make you wonder when is it safe to stop buying full coverage. There is no set rule for eliminating physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
Ideas for buying economical insurance for low mileage drivers
The list below details some penny-pinching solutions that can help Texas drivers get cheap auto insurance.
- Avoid having at-fault accidents
- Higher credit scores may earn you cheaper rates
- Remove physical damage coverage on older vehicles
- Safer vehicles cost less to insure
- Buying home and auto insurance together can earn discounts
- Shop around for cheaper rates regularly
The final tip is particularly crucial, as we stressed in this article. Car insurance prices can change in a short period of time, so don’t be unwilling to buy from a different company if a better deal can be had. Being loyal to a particular company is commendable, but it’s not a good idea if that devotion results in you overpaying hundreds of dollars year after year. Now is a great time to shop around and find cheaper insurance for low mileage drivers in Arlington.