Who Has Cheap Auto Insurance for Young Drivers in Arlington?

Finding good, cost effective car insurance is not most people’s favorite thing to do, and deciding which companies have the best insurance rates for young drivers will take a bit more work.

Each auto insurance company has a different formula for setting prices, so let’s begin by examining the lowest cost insurance companies in Arlington, TX. It’s important to know that Texas insurance rates are impacted by many things that will increase or decrease the price you pay for coverage. Improving your financial situation, getting divorced, or getting a ticket for careless driving may prompt premium changes that may make certain companies much cheaper than others.

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What’s the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,084
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,256
5 Esurance $1,379
6 California Casualty $1,424
7 State Farm $1,510
8 Mercury $1,521
9 Nationwide $1,538
10 Safe Auto $1,565
11 Allstate $1,650
12 Progressive $1,664
13 Amica $1,775
14 Home State $2,071
15 GEICO $2,072
16 MetLife $2,227
17 Unitrin $2,241
18 Encompass $2,255
19 21st Century $2,494
20 Titan $2,646
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Travelers quotes some of the most affordable car insurance rates in Arlington at around $1,010 annually. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the cheaper Arlington, TX auto insurance companies.

In the above example, if you are a policyholder with USAA and switched to Travelers, you could realize an annual savings of upwards of $74. Customers with Texas Farm Bureau might save as much as $189 a year, and Germania Mutual policyholders might reduce rates by $246 a year.

To see if you’re overpaying, click here to get a free quote or visit any of the companies below.

Understand that those rates are averaged for all drivers and vehicles and and are not calculated with a vehicle location for young drivers. So the company that fits your situation best may not even be in the top 23 companies shown above. That helps illustrate why you need to quote rates from many companies using your own driver information and specific vehicle type.

The car, truck, or SUV you are seeking coverage for is one of the largest factors in finding cheaper coverage for young drivers. Vehicles with lower performance, an excellent safety record, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models. The information below features coverage costs for a selection of the most economical automobiles to buy insurance for.

Cheapest Vehicles to Insure in Arlington, TX
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $3,867
Honda Accord EX 4-Dr Sedan $3,875
Honda CR-V LX 4WD $3,867
Jeep Wrangler Sport 4WD 2-Dr $4,043
Hyundai Elantra SE Touring Station Wagon $4,162
Toyota Prius $4,202
Dodge Grand Caravan SE $4,337
Chevrolet Impala LS $4,549
Ford Edge SEL 2WD $4,554
Chevrolet Equinox LT AWD $4,591
Toyota RAV4 Limited 4WD $4,600
Ford F-150 SVT Raptor Super Cab 4WD $4,630
Dodge Ram 3500 Crew Cab Laramie 2WD $4,637
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $4,630
Ford Explorer Limited 2WD $4,638
Honda Civic EX 4-Dr Sedan $4,800
Ford Focus SES 4-Dr Sedan $4,805
Toyota Corolla LE $4,842
Honda Odyssey EX-L W/Navigation $4,850
Volkswagen Jetta 2.0T 4-Dr Sedan $4,882
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Data based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in your specific Arlington, TX location which can raise or lower auto insurance rates considerably.

Based upon these rates, we can expect makes and models like the Ford Escape, Honda Accord, Honda CR-V, Jeep Wrangler, and Hyundai Elantra should be the most economical vehicles to insure for youthful drivers. The cost of auto insurance will be more costly just because there is more risk for young drivers, but generally speaking those models will most likely have the best insurance prices that you’ll find.

Insurance rates are higher with tickets and accidents

A great way to receive low insurance premiums in Texas for youthful drivers is to drive safe and avoid accidents and traffic violations. The information below demonstrates how citations and fender-benders can impact premium costs for different categories of driver ages. The information is based on a married female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of car insurance in Arlington per year with no accidents or violations is $1,682. Get two speeding tickets and the average cost jumps to $2,397, an increase of $715 each year. Then include one accident along with the two speeding tickets and the 12-month cost of insurance for young drivers goes up to an average of $3,112. That’s an increase of $1,430, or $119 per month, just for being a careless driver!

Price comparison of only insuring for liability

Buying cheaper insurance is probably important to the majority of vehicle owners, and a good way to save on the cost of insurance for young drivers is to only pay for liability coverage. The example below illustrates the comparison of car insurance costs with full physical damage coverage compared to only buying liability only. The prices are based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no discounts are applied to the premium.

As an average for all age groups, physical damage coverage costs an additional $2,718 per year over and above liability coverage. At some point, about every driver wonders if buying full coverage is a waste of money. There is no written rule to exclude physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

There are some scenarios where only buying liability is not a good idea. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.

You may be paying too much for car insurance

Texas insurance rates are calculated based on many things that can increase the price you have to pay. Simply having another birthday, marrying your spouse, or getting a ticket for running a stop sign can produce rate changes that can make some companies more affordable than competitors.

Additionally, car insurance companies file new Texas car insurance rates at least once a year in order to protect their financial rating. An extended period of higher than normal claims can cause price increases, while long-term profits may produce cheaper Arlington car insurance rates.

For example, the bar chart below demonstrates which company has the cheapest car insurance in Arlington, TX for a 30-year-old female driver with no accidents or violations, and good financial standing. If we compare prices based on her current risk profile, Travelers may offer the best car insurance rates in Arlington at $1,115 a year. This is $789 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the cheapest Arlington, TX auto insurance companies.

Now let’s give the driver from the first example some claims, less-than-perfect credit, and a traffic citation. Since each auto insurance company has their own unique process for filing rates in each state, comparing quotes may now present a different list of the cheapest Arlington car insurance companies as shown below.

State Farm now has the best car insurance rate in Arlington with Mercury, Safe Auto, Nationwide, and USAA also being competitive. This demonstrates why it is critical to shop around to find the best auto insurance rates for young drivers.

Auto insurance prices are determined by many factors and can change without notice, so the best company the last time you shopped your coverage around may now be priced much higher than other options.

The Arlington auto insurance agencies shown below can answer your questions and help you decide which car insurance policy is best, since some drivers wish to get some professional input when shopping around for cheaper insurance for youthful drivers. It can be difficult to do it yourself, and agents can provide comfort knowing your coverage gives you sufficient protection if you have a claim. To find an Arlington insurance agency near you, click the link after the list.

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