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.
|Rank||City||Premium Per Year|
|Find Cheaper Rates Go|
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.
|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|
|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|
|Get a Custom Quote Go|
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
Auto 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.
- State Farm may include discounts for Steer Clear safe driver discount, driver’s education, Drive Safe & Save, safe vehicle, and passive restraint.
- Liberty Mutual offers premium reductions for newly married, new vehicle discount, teen driver discount, hybrid vehicle, new graduate, and safety features.
- American Family may offer discounts for multi-vehicle, good student, good driver, early bird, air bags, and accident-free.
- Progressive has discounts for good student, homeowner, multi-policy, continuous coverage, online signing, online quote discount, and multi-vehicle.
- Farmers Insurance offers discounts including pay in full, alternative fuel, switch companies, electronic funds transfer, youthful driver, early shopping, and multi-car.
- Auto-Owners Insurance may have discounts that include air bags, paid in full, group or association, anti-lock brakes, multiple vehicles, and multi-policy.
- SAFECO discounts include teen safety rewards, anti-theft, safe driver, anti-lock brakes, multi-car, and homeowner.
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.
- Maintaining good credit helps earn cheaper rates
- Avoid accidents and claims
- You will pay more if you get tickets or have at-fault accidents
- Higher deductibles save money
- Discounts for being claim-free can be substantial
- Buying your home and auto policies from the same company can earn a discount
- Compare prices frequently to find the best deal
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.
- Allstate Insurance: Classic Family Agency
1001 NE Green Oaks Blvd Ste 171 – Arlington, TX 76006 – (817) 468-3066
- John Martinek – State Farm Insurance Agent
3705 W Green Oaks Blvd – Arlington, TX 76016 – (817) 492-9900
- Mike Zapata – State Farm Insurance Agent
1115 E Pioneer Pkwy #140 – Arlington, TX 76010 – (817) 277-2021
- Farmers Insurance – Philip Szurek
2614 W Arkansas Ln – Arlington, TX 76016 – (817) 303-3880
- Gloria LeGrand – State Farm Insurance Agent
1396 W Mayfield Rd #110 – Arlington, TX 76015 – (817) 465-9191