Who Has Cheap Arlington Auto Insurance for 16 Year Olds?

For new drivers, one of the largest components that are looked at to help calculate the price you pay for insurance is where you live in Arlington. Areas with increased crime or more people tend to pay slightly more, whereas areas with less congestion have the benefit of cheaper car insurance.

The following table shows the most costly cities in Texas for 16 year olds to purchase auto insurance in. Arlington comes in at #16 with a yearly premium of $1,658 for the average policyholder, which is around $138 monthly.

Car insurance prices in Arlington
Rank City Premium Per Year
1 McAllen $2,016
2 Dallas $1,911
3 Brownsville $1,908
4 Laredo $1,889
5 Houston $1,853
6 Garland $1,850
7 Mesquite $1,825
8 Grand Prairie $1,811
9 Amarillo $1,786
10 Irving $1,772
11 Beaumont $1,754
12 Pasadena $1,740
13 San Antonio $1,722
14 Lubbock $1,682
15 Carrollton $1,664
16 Arlington $1,658
17 Fort Worth $1,653
18 McKinney $1,625
19 Austin $1,610
20 Plano $1,608
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Annual rates are estimated as the vehicle garaging location can change insurance rates substantially.

The type of vehicle on the policy is a large factor when comparison shopping for the most economical car insurance for 16 year olds. Vehicles with reasonable performance levels, good safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models.

The table below features auto insurance premiums for a selection of the cheapest vehicles to insure in Texas.

Cheapest Vehicles to Insure in Arlington, TX
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $3,761
Honda Accord LX 4-Dr Sedan $3,769
Honda CR-V EX-L 2WD $3,796
Hyundai Elantra SE Touring Station Wagon $4,023
Toyota Prius $4,056
Ford Edge SE 2WD $4,195
Jeep Wrangler Rubicon 4WD 2-Dr $4,231
Volkswagen Jetta 2.0T Station Wagon $4,286
Honda Odyssey EX $4,423
Honda Civic DX 4-Dr Sedan $4,431
Toyota Tacoma Double Cab 4WD $4,458
Chevrolet Malibu LS $4,464
Toyota RAV4 Sport 4WD $4,458
Chevrolet Equinox LT AWD $4,463
Chevrolet Impala LT $4,458
Dodge Grand Caravan Crew $4,491
Ford Explorer Eddie Bauer 4WD $4,497
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Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in your specific Arlington, TX location which can revise prices noticeably.

Looking at the data, vehicles like the Ford Escape, Honda Accord, and Honda CR-V are most likely to be a few of the most affordable vehicles to insure for new drivers. Rates will trend higher because there is more inherent risk for 16 year olds, but generally speaking those specific models will have the lowest prices compared to other vehicles.

How accidents and violations affect rates in Arlington

The easiest way to snag low auto insurance prices in Arlington for new drivers is to drive safe and avoid accidents and violations. The chart below shows how traffic citations and at-fault claims impact insurance costs for different age groups. The data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

The data above shows the average cost of a car insurance policy in Arlington per year with a clean driving record and no accidents is $1,793. Receive two speeding tickets and the average cost jumps to $2,369, an increase of $576 each year. Then include two accidents along with the two speeding tickets and the yearly cost of auto insurance for 16 year olds increases to an average of $4,616. That’s an increase of $2,823, or $235 per month, just for not being a responsible driver!

Get discounts on Arlington car insurance

Save on auto insurance for new drivers in ArlingtonAuto insurance companies that offer coverage for 16 year olds may have rate discounts that can reduce rates by as much as 40% or more if you are eligible. A list of auto insurance companies and some of the discounts can be read below.

The information below illustrates the difference between yearly insurance costs with and without discounts applied to the premium. The information is based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with good student, paperless filing, continuous coverage, paid-in-full, vehicle safety, and anti-theft discounts applied. When these discounts are applied to the policy premium, theamount saved on auto insurance for 16 year olds is 28% or $639.

The benefit of shopping around

Texas auto insurance rates are influenced by many factors that may substantially change the price you have to pay for coverage. Improving your credit rating, filing a claim, or getting a ticket for running a stop sign may prompt premium changes that can make some companies cheaper than others. And not only may your rating factors change, but insurers file new Texas car insurance rates multiple times each year in order to offset underwriting gains or losses. Higher than normal claims can cause higher prices, while profitable underwriting may produce more affordable Arlington car insurance rates.

As an example, the bar chart below shows a variety of companies that have the cheapest car insurance in Arlington, TX for a 45-year-old female driver with a clean driving record, no accidents, and solid credit. If we look at prices based on her personal risk profile, Travelers may have the best car insurance rates in Arlington at $1,149 each year. This is $755 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining most affordable Arlington, TX auto insurance companies.

In this next rate comparison, we will give the driver in the first example an accident claim, a lower credit rating, and a few blemishes on her driving record. Since each auto insurer has their own process to set premium rates, comparing quotes may now present a different list of the cheapest companies as shown below.

Mercury now has the best insurance rate in Arlington with State Farm, Safe Auto, Nationwide, and USAA now rounding out the top five. This example illustrates why Texas drivers need to do a thorough rate comparison when trying to get the best insurance quotes for 16 year olds. Insurance prices consist of many factors and can change without notice, so the cheapest option six months ago may now be an over-priced policy.

How to find the cheapest car insurance for 16 year olds

It is possible to find better rates, and here are some money-saving suggestions that can help you quote low-cost coverage.

That final tip is particularly valuable, as was noted in this article. Prices charged by car insurance companies can change significantly in a year, so don’t be tentative to buy a policy from a new company if you find a cheaper price.

Many drivers prefer to stick with one company, but it’s not recommended if that stubbornness costs you a lot of money. In just a few minutes you could shop around and find cheaper car insurance for 16 year olds in Arlington.

If you aren’t sure which coverage to buy and prefer to have professional advice when trying to find the best insurance rates for 16 year olds, the insurance agencies below can answer your questions and help you decide which insurance coverage will be best for you.

To locate an Arlington insurance agent nearest to you, click the button following the list.

More Arlington, TX insurance agents