After getting a DUI, one of the big factors that determine the annual cost of car insurance is where you call home in Arlington. Areas with increased crime or more people tend to pay slightly more, whereas less populated areas benefit from lower prices.
The information below sorts the highest-priced areas in Texas for drivers with a DUI in which to buy car insurance. Arlington is listed at #15 having an annual price of $1,692 for the average insured, which is approximately $141 monthly.
|Compare Prices Now Go|
Rates are comparative as the specific Arlington residence address can affect premium rates considerably.
The make and model of vehicle you are insuring is a large consideration when comparing low-priced auto insurance for drivers with a DUI. Vehicles with reasonable performance levels, excellent safety ratings, or a positive history of liability claims will cost less to insure than fast, unsafe models. The information below illustrates auto insurance prices for the most affordable automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra SE Touring Station Wagon||$1,624|
|Honda Accord LX-P 4-Dr Sedan||$1,648|
|Honda CR-V LX 4WD||$1,657|
|Ford Explorer XLT 2WD||$1,673|
|Ford Edge SEL 2WD||$1,733|
|Honda Civic DX 4-Dr Sedan||$1,743|
|Ford Escape Limited 2WD||$1,775|
|Jeep Wrangler Sport 4WD 2-Dr||$1,787|
|Toyota Tacoma 4WD||$1,847|
|Chevrolet Impala LTZ||$1,866|
|Honda Odyssey Touring||$1,898|
|Jeep Grand Cherokee SRT-8 4WD||$1,905|
|GMC Sierra SLE Extended Cab 4WD||$1,898|
|Ford F-150 XLT Regular Cab 2WD||$1,900|
|Start a Quote Go|
Data rating is based on single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Prices do not factor in specific location information which can revise premium rates significantly.
Looking at the numbers, models like the Hyundai Elantra, Honda Accord, Honda CR-V, and Ford Explorer are the cheapest vehicles to insure after getting a DUI. Rates will be more expensive just due to the fact that there is a higher risk for drivers with a DUI, but in general those makes and models will have the cheapest car insurance rates compared to all other vehicles.
Finding out which insurers offer the cheapest car insurance rates for drivers with a DUI involves more time than just quoting one company’s rates. Every insurance company has their own guidelines for determining prices, so we need to take a look at the car insurance companies with the most affordable rates in Arlington.
It’s a good idea to know that Arlington, TX car insurance rates are based on many factors which can substantially decrease or increase the cost of having a policy. Simply having another birthday, filing a claim, or getting a few speeding tickets can cause premium changes that can now make some companies more affordable than the competition.
Cheapest Insurance Rates after a DUI
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,235|
|Find Cheaper Rates Go|
Travelers may offer some of the cheapest car insurance rates in Arlington at around $1,052 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the cheaper Arlington, TX insurance companies.
In the above example, if you currently have coverage with USAA and switched to Travelers, you may realize savings of in the vicinity of $43. Customers with Texas Farm Bureau may save as much as $183 a year, and Germania Mutual insureds might realize rate reductions of up to $204 a year.
To compare your rates to other Texas insurance companies, click here to start your free quote or quote prices from the following companies.
Understand that those premiums are averaged across all ages of drivers and types of vehicles and are not factoring in a specific zip code for drivers with a DUI. So the company that fits your age and vehicle best may not even be in the list above. That emphasizes why you need to get auto insurance quotes using your own specific driver information and vehicle.
Irresponsible driving raises your rates
In a perfect world, the best way to get the best car insurance rates after getting a DUI is to be a safe driver and avoid traffic citations and accidents. The illustration below shows how traffic citations and at-fault claims can impact car insurance rates for different age groups of insureds. The data assumes a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of a car insurance policy in Texas per year with no accidents and a clean driving record is $2,242. Add in one speeding ticket and the average cost surges to $2,612, an increase of $370 each year. Now get one accident along with the one speeding ticket and the yearly cost of car insurance for drivers with a DUI goes up to an average of $3,672. That’s an increase of $1,430, or $119 per month, just for not driving attentively!
Types of discounts on Arlington car insurance
Insurers that provide coverage for drivers with a DUI may also give you special discounts that could reduce prices by 40% or more if you qualify. A few popular companies and their offered discounts are included below.
- Farm Bureau may include discounts for safe driver, driver training, multi-vehicle, good student, and renewal discount.
- Liberty Mutual may offer discounts for teen driver discount, new vehicle discount, exclusive group savings, multi-car, and new move discount.
- State Farm has savings for safe vehicle, good driver, good student, multiple autos, driver’s education, multiple policy, and student away at school.
- Auto-Owners Insurance includes discounts for safe driver, anti-theft, safe vehicle, group or association, paid in full, student away at school, and multi-policy.
- GEICO offers discounts for emergency military deployment, anti-theft, seat belt use, air bags, daytime running lights, driver training, and good student.
- SAFECO offers premium reductions for safe driver, drive less, teen safety rewards, anti-theft, multi-car, and accident prevention training.
The example below shows the comparison of yearly insurance costs with and without discounts applied to the rates. The premiums assume a female driver, two traffic citations and no accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with continuous coverage, passive restraint, anti-theft, multiple vehicle, marriage, and vehicle safety discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for drivers with a DUI is 28% or $636.
Here’s why you should shop around
Arlington, TX car insurance rates are impacted by many things which can substantially decrease or increase the cost of your policy. Simply improving your credit, buying a home, or getting a ticket for careless driving can cause premium changes that can cause some rates to be affordable when they were higher priced.
In addition, insurers modify rates as often as every three months in order to maintain liquidity for claims. A period of increased losses can result in higher priced premiums, while lower claim expenses can result in lower-cost Arlington car insurance rates.
To illustrate this point, the data below compares the cheapest car insurance in Arlington, TX for a 30-year-old male driver with no accidents or violations, and a good credit history. If we estimate rates based on his current risk profile, Travelers may offer the best car insurance rates in Arlington at $1,172 annually. This is $732 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the cheapest Arlington, TX auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example an accident claim, bad credit, and a traffic ticket or two. Due to the fact that every insurance company has their own guidelines for setting rates, analyzing rate quotes will most likely result in a significantly different list of affordable companies as shown below.
Mercury now has the best price on car insurance in Arlington, TX with State Farm, Nationwide, Safe Auto, and USAA also being competitive. This example illustrates why consumers need to take the time to compare rates to get affordable insurance quotes for drivers with a DUI. Insurance prices can be altered by many factors and can change without notice, so the best company the last time you shopped around may now be an over-priced policy.