One of the many components that are looked at to determine the amount you pay each year for auto insurance is your zip code. Areas with a lot of weather claims or more people will most likely have higher rates, whereas areas with less congestion get the luxury of paying less.
The illustration below shows the most costly cities in Texas for drivers over age 60 to purchase car insurance in. Arlington comes in at #17 with an annual cost of $1,642 for the average policy, which is about $137 per month.
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Rate information is approximated as the specific Arlington residence address can impact prices substantially.
Finding decent, cheap auto insurance is not easy, and determining which insurers offer the cheapest car insurance rates for drivers over age 60 will involve even more work. Each auto insurance company uses different criteria for determining rates, so let’s begin by examining the car insurance companies with the overall best prices in Texas.
It’s a good idea to be aware that Arlington, TX car insurance rates are impacted by many things that will increase or decrease the price you have to pay. That is why it is critical to compare as many rates as possible when trying to find affordable auto insurance quotes for drivers over age 60. Insurance prices consist of many factors and can increase or decrease at any time, so the lowest-price company the last time you compared rates may now be quite expensive.
Cheap Insurance Rates for Age 60+
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers normally has some of the most affordable car insurance rates in Arlington at around $1,041 annually. This is $863 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the more affordable Arlington, TX insurance companies.
As depicted above, if you currently have a policy with Esurance and switched to USAA, you could earn annual savings of roughly $281. Customers with California Casualty may save as much as $312 a year, and Mercury policyholders might realize rate reductions of up to $392 a year.
Bear in mind that those rates are averaged across all drivers and vehicles in Texas and do not factor in a specific location for drivers over age 60. So the auto insurance company that fits your situation best may not even be in the list above. That point stresses why you need to compare prices as often as possible using your own specific driver and vehicle information.
The vehicle that is being insured is one of the biggest factors when consumers are trying to find economical coverage for drivers over age 60. Vehicles with average performance, advanced safety features, or a positive history of liability claims will cost less to insure than higher performance models.
The information below outlines coverage costs for some of the cheaper automobiles to insure in Texas.
|Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$961|
|Ford Escape Limited 2WD||$981|
|Honda CR-V EX 4WD||$989|
|Honda Odyssey LX||$1,055|
|Dodge Grand Caravan SE||$1,076|
|Ford Edge SEL AWD||$1,118|
|Toyota RAV4 Limited 4WD||$1,139|
|Ford Explorer Limited 4WD||$1,159|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,167|
|Ford F-150 FX4 Super Cab 4WD||$1,159|
|Ford Focus SEL 4-Dr Sedan||$1,179|
|Chevrolet Impala LTZ||$1,199|
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Premium data assumes single male driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can influence premium rates significantly.
Based upon these rates, we can tell that models like the Hyundai Elantra, Ford Escape, Honda CR-V, and Honda Odyssey are going to be some of the most affordable vehicles to insure for older drivers.
The diagram below illustrates how your choice of deductibles can change insurance prices when getting quotes for cheap insurance for drivers over age 60. The premiums assume a married male driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 30-year-old driver could lower their policy premium by $396 a year by changing from a $100 deductible up to a $500 deductible, or save $598 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old example, have the ability to save as much as $1,206 or even more just by choosing higher deductibles when buying full coverage. When using a larger deductible, it is a good idea to have enough spare savings to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Buying coverage from the top auto insurance company can be difficult considering how many different companies there are to choose from in Texas. The rank data shown below may help you choose which car insurance providers to look at shopping your coverage with. The ratings below are for large, nationwide insurance companies, so companies that may only write in Texas are not included in the list.
Top 10 Large Auto Insurers Overall in Arlington
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top 10 Large Auto Insurers in Arlington Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Comparing rates can save you money
Arlington car insurance rates are based on many factors which can substantially change the cost of a policy. Simply improving your credit, moving to a new city, or getting a couple of tickets may prompt premium changes that can now make some companies much cheaper than others. Not only may things change on your end, but auto insurance companies file new Texas car insurance rates as needed in order to remain profitable. Higher than usual claims may cause increased rates, while lower claims can result in more affordable Arlington car insurance rates.
The data below analyzes the cheapest car insurance in Arlington, TX for a 40-year-old male driver with a good driving record, no prior claims, and good credit. If we estimate rates based on his current situation, Travelers has the best car insurance rates in Arlington at $1,135 annually. This is $769 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the cheapest Arlington, TX auto insurance companies.
Now we will pretend the driver from the first example a chargeable accident, a lower credit rating, and a traffic ticket or two. Since every insurance provider uses a different method for setting rates, comparing quotes most likely will result in a significantly different list of the cheapest car insurance companies in Arlington as shown below.
State Farm now has the cheapest auto insurance in Arlington, TX with Mercury, USAA, Safe Auto, and Nationwide now rounding out the top five. This example shows why Texas drivers need to perform an extensive rate comparison when trying to get the most affordable car insurance rates for drivers over age 60. Car insurance prices are influenced by many things and change frequently, so the most affordable company six months ago may now not even be in the top five.