One of the many components that aid in calculating the cost of insurance is where you choose to live in Arlington. More densely populated places tend to have more expensive car insurance rates, whereas areas that tend to be more rural have the benefit of cheaper auto insurance prices.
The next table ranks the priciest cities in Texas for police officers to buy auto insurance in. Arlington comes in at #18 with a yearly cost of $1,642 on average, which is approximately $137 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Houston | $1,909 |
| 3 | Brownsville | $1,908 |
| 4 | Amarillo | $1,858 |
| 5 | Laredo | $1,851 |
| 6 | Dallas | $1,837 |
| 7 | Garland | $1,832 |
| 8 | Mesquite | $1,807 |
| 9 | Irving | $1,789 |
| 10 | Beaumont | $1,772 |
| 11 | Pasadena | $1,758 |
| 12 | Grand Prairie | $1,740 |
| 13 | Austin | $1,676 |
| 14 | San Antonio | $1,671 |
| 15 | Lubbock | $1,665 |
| 16 | Carrollton | $1,664 |
| 17 | Fort Worth | $1,653 |
| 18 | Arlington | $1,642 |
| 19 | Corpus Christi | $1,636 |
| 20 | El Paso | $1,616 |
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Annual rates are comparative as zip code location can change insurance rates noticeably.
Establishing which companies quote the most affordable auto insurance rates for police officers takes a tad more effort than just quoting one company’s rates. Each company uses a different method to establish rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Arlington, TX.
Keep in mind that Arlington auto insurance rates are influenced by many factors that may substantially change the cost of coverage. Simply having another birthday, increasing deductibles, or getting a reckless driving citation can trigger price changes that can cause some rates to be cheaper than others.
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Travelers normally has some of the lowest car insurance rates in Arlington at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also are some of the more affordable Arlington, TX auto insurance companies.
As depicted above, if you are currently insured with Germania Mutual and switched to Travelers, you could earn a yearly price reduction of roughly $284. Policyholders with California Casualty might save as much as $372 a year, and Esurance customers might lower prices by up to $397 a year.
To find the cheapest coverage for you, click here to get quotes or click several companies below for low rates.
Be aware that those premium estimates are averaged across all drivers and vehicles and and are not calculated with a specific location for police officers. So the car insurance company that has the cheapest rates for you may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own specific driver and vehicle information.
The vehicle model needing coverage is one of the biggest factors when consumers are trying to find the cheapest insurance for police officers. Vehicles with economical engines, good safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models.
The list below showcases auto insurance costs for a selection of the cheapest vehicles to insure in Texas.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $889 |
| Toyota Prius | $985 |
| Ford F-150 XL Super Cab 4WD | $998 |
| Toyota Tacoma 4WD | $1,007 |
| Ford Escape XLT 2WD | $1,020 |
| Honda CR-V LX 4WD | $1,029 |
| Chevrolet Impala LS | $1,035 |
| Ford Edge SE AWD | $1,043 |
| Volkswagen Jetta 2.0T Station Wagon | $1,039 |
| Chevrolet Equinox LT 2WD | $1,054 |
| Dodge Grand Caravan Crew | $1,075 |
| Ford Focus SEL 4-Dr Sedan | $1,088 |
| Honda Accord EX 4-Dr Sedan | $1,090 |
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in specific location information which can increase or decrease insurance rates significantly.
Based upon the table data, you can conclude that vehicles like the Hyundai Elantra, Toyota Prius, Ford F-150, Toyota Tacoma, and Ford Escape are likely to be the most budget-friendly vehicles to insure for law enforcement personnel.
Price comparison of only insuring for liability
Buying cheaper auto insurance should be important to the majority of people, and an easy way to buy cheaper insurance for police officers is to not buy full coverage. The information below shows the comparison of auto insurance rates with and without full coverage. The price estimates are based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are applied to the premium.
If averaged for all ages, physical damage coverage on your policy costs $2,922 per year more than just insuring for liability. A very common question is if you should buy full coverage. There isn’t a steadfast formula for excluding physical damage coverage, but there is a guideline you can consider. If the yearly cost of comp 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 circumstances where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not remove full coverage.
Cautious drivers save money
A great way to score good auto insurance rates for law enforcement personnel is to be a good driver and avoid accidents and traffic citations. The example below illustrates how violations and at-fault accidents raise auto insurance rates for each different age group. The premium estimates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
The chart shows that the average cost of car insurance per year with no accidents and a clean driving record is $1,529. Receive one speeding ticket and the average cost hikes up to $1,758, an increase of $229 each year. Now include one accident along with the one speeding ticket and the yearly cost of auto insurance for police officers jumps again to an average of $2,391. That’s an increase of $862, or $72 per month, just for not driving responsibly!
The chart below demonstrates how deductibles can change insurance premiums when trying to find cheap insurance for police officers. The rates are based on a single female driver, full coverage, and no discounts are factored in.
As shown above, a 40-year-old driver could lower their policy premium by $422 a year by switching from a $100 deductible to a $500 deductible, or save $634 by choosing a $1,000 deductible. Young drivers, like the Age 20 category, could roll back prices $1,074 or more by choosing a higher deductible.
If you do raise deductibles, it’s a good idea to have additional funds squirreled away to cover the extra out-of-pocket expense that is associated with using high deductibles.