Who Has the Cheapest Auto Insurance Rates for First-time Drivers in Arlington?

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You have most likely watched the ads from car insurance companies like Liberty Mutual and Farmers claiming dirt cheap rates, so you just need to pick one randomly, right?

It's not quite that easy, unfortunately, as there are a ton of unknown factors such as whether you are single or married, how high your deductibles should be, and if you have ever had a gap in coverage. This article goes into detail about these things and also should give you a good beginning to your search for cheaper coverage.

Comparing rates for cheap insurance is difficult, and determining which company quotes the lowest-priced auto insurance rates for first-time drivers involves a bit more work. Every auto insurer has a different formula for determining rates, so first we will examine the auto insurance companies with the overall best prices in Texas.

It's a good idea to be aware that Arlington auto insurance rates are determined by lots of factors which can substantially decrease or increase the cost of your policy. This price variation is why it is critical to perform a complete rate comparison when trying to get the most affordable auto insurance rates for first-time drivers. Auto insurance prices can be determined by many risk factors and change substantially, so the cheapest rate the last time you shopped around may now not even be in the top five.

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What's the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,128
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,244
5 California Casualty $1,382
6 Esurance $1,407
7 State Farm $1,450
8 Mercury $1,476
9 Nationwide $1,538
10 Safe Auto $1,565
11 Progressive $1,664
12 Allstate $1,701
13 Amica $1,723
14 Home State $2,155
15 GEICO $2,156
16 MetLife $2,249
17 Unitrin $2,264
18 Encompass $2,301
19 21st Century $2,469
20 Titan $2,594
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Travelers has some of the cheapest car insurance rates in Arlington at around $1,052 annually. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also rank well as some of the cheapest Arlington, TX insurance companies.

As the rates illustrate above, if you buy coverage from California Casualty and switched to USAA, you may realize an annual premium reduction of around $254. Texas drivers with Esurance could save as much as $279 a year, and State Farm policyholders might realize rate reductions of up to $322 a year.

To find out how much you can save, click here to start your free quote or feel free to get quotes from the companies below.

These estimates are averaged for all insureds and vehicles and do not factor in a vehicle location for first-time drivers. So the car insurance company that has the lowest price for you may not even be in the top 23 companies shown above. That's why you need to compare rates from as many companies as possible using your own individual information.

One of the many criteria that are used to help calculate car insurance rates is the neighborhood you call home. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas with less crime or weather claims benefit from lower prices.

The information below ranks the highest-priced areas in Texas for first-time drivers to purchase auto insurance in. Arlington shows up at #15 with an annual cost of $1,658 on average, which is approximately $138 each month.

How much does auto insurance cost in Arlington?
Rank City Annual Premium
1 McAllen $2,016
2 Brownsville $1,927
3 Dallas $1,911
4 Houston $1,891
5 Laredo $1,889
6 Amarillo $1,858
7 Garland $1,850
8 Grand Prairie $1,811
9 Irving $1,772
10 Mesquite $1,771
11 Pasadena $1,758
12 San Antonio $1,739
13 Lubbock $1,733
14 Beaumont $1,720
15 Arlington $1,658
16 Fort Worth $1,653
17 El Paso $1,632
18 Austin $1,627
19 Carrollton $1,615
20 Plano $1,608
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Information shown are approximated as the specific area where the vehicle is garaged can lower or raise coverage rates considerably.

The make and model of vehicle you are insuring is one of the main factors when comparing quotes for the most affordable car insurance for first-time drivers. Vehicles with lots of speed or power, poor crash test ratings, or an increased likelihood of liability claims will cost substantially more to insure than more economical and safe models.

The data below features insurance prices for a number of the cheapest automobiles to insure.

Cheapest Vehicles to Insure in Arlington, TX
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $4,419
Honda CR-V EX-L 4WD $4,462
Honda Accord EX-L 4-Dr Sedan $4,734
Toyota Prius $4,775
Chevrolet Silverado LS Regular Cab 4WD $4,928
Ford F-150 XL Crew Cab 2WD $4,971
Dodge Grand Caravan SE $4,978
Volkswagen Jetta SE 2.5 Station Wagon $5,045
Ford Edge Limited 2WD $5,200
Chevrolet Impala LS $5,205
Ford Focus S 4-Dr Sedan $5,200
Toyota RAV4 Limited 4WD $5,243
Toyota Camry LE $5,248
Chevrolet Malibu Hybrid $5,243
Ford Fusion S 4-Dr Sedan $5,251
Chevrolet Equinox LS AWD $5,243
Toyota Tacoma Double Cab TRD Sport Package 4WD $5,284
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Above prices assume single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in specific garaging location which can impact auto insurance rates considerably.

By looking at the data, you can figure that cars like the Ford Escape, Honda CR-V, Honda Accord, and Toyota Prius are most likely to be the most affordable vehicles to insure for new drivers. Car insurance rates will be higher anyway just due to the fact that there is more liability exposure for first-time drivers, but overall those makes and models will have the cheapest car insurance rates available.

Discount Arlington auto insurance rates

Discounts on auto insurance for first-time driversInsurance providers that offer cheap quotes for first-time drivers may also give you discounts that may potentially lower prices by 40% or more if you are eligible for them. A few popular companies and a summarized list of policyholder discounts can be read below.

The chart below shows the comparison of auto insurance rates with and without discounts applied to the rates. The rates are based on a male driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with continuous coverage, paid-in-full, good student, vehicle safety, passive restraint, and anti-theft discounts applied. When taking advantage of discounts, theamount saved on auto insurance for first-time drivers is 28% or $717.

Does it make sense to buy full coverage?

Lowering the price of auto insurance is the goal of the majority of people, and a great way to buy cheap insurance for first-time drivers is to not pay for full coverage. The information below shows the comparison of insurance costs when comparing full coverage to liability only. The premiums assume no claims or driving violations, $1,000 deductibles, drivers are not married, and no discounts are applied.

If we average the cost for all age groups, physical damage coverage on your policy costs $2,131 per year over and above liability coverage. Many of you may wonder when is the right time to remove full coverage. There is no specific rule for dropping physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's say your vehicle's book value is $7,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $6,500 after paying your policy deductible. If premiums are more than $650 a year for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are some situations where only buying liability is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Chances are good that you're overpaying for Arlington car insurance

Arlington, TX auto insurance rates are influenced by many factors which can substantially change your annual premium. Turning one year older, increasing deductibles, or having a fender bender can trigger rate changes that may make certain companies more affordable than competitors.

Not only that, but car insurance companies change their prices as often as every three months to ensure their profitability. Heavier than normal losses may result in rate hikes, while long-term profits may cause lower-priced Arlington car insurance rates.

To help illustrate this point, the chart below shows which company has the cheapest car insurance in Arlington, TX for a 40-year-old female driver with no accidents, a clean driving record, and solid credit. If we estimate rates based on her current rating profile, Travelers has the most affordable car insurance rates in Arlington at $1,184 a year. This is $720 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the rest of the most affordable Arlington, TX auto insurance companies.

Now let's give the driver in the first example a claim surcharge, a lower credit score, and a speeding citation. Due to the fact that every insurance company has a unique formula to establish rates, getting updated rate quotes may now present a significantly different list of cheap Arlington auto insurance companies as shown below.

Mercury now has the best car insurance rate in Arlington, TX with State Farm, USAA, Safe Auto, and Nationwide now rounding out the top five. This demonstrates why drivers need to do a thorough rate comparison to get the lowest car insurance rates for first-time drivers. Car insurance prices are calculated by many risk factors and can decrease or increase without notice, so the cheapest rate a year ago may now be priced much higher than other options.