Who Has the Cheapest Auto Insurance for Real Estate Agents in Arlington?

The car, truck, or SUV you are seeking coverage for is probably the largest consideration when looking for the best auto insurance for real estate agents. Vehicles with economical engines, advanced safety features, or a positive history of liability claims will cost significantly less to insure than high performance models. The information below features insurance rates for some of the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Arlington, TX
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $981
Ford Escape Limited 4WD $1,063
Honda Accord EX 4-Dr Sedan $1,070
Toyota Prius $1,086
Ford F-150 XL Super Cab 4WD $1,095
Dodge Grand Caravan SE $1,102
Ford Focus SE 4-Dr Sedan $1,137
Ford Explorer Limited 4WD $1,179
Hyundai Elantra SE Touring Station Wagon $1,193
Toyota Camry SE $1,220
Toyota Corolla XLE $1,226
Honda Odyssey EX-L W/Rear Entertainment $1,220
Nissan Altima 2.5 S 4-Dr Sedan $1,225
Ford Edge Sport AWD $1,220
Kia Optima LX $1,240
Volkswagen Jetta 2.0T 4-Dr Sedan $1,242
Chevrolet Malibu Hybrid $1,264
Toyota RAV4 Sport 4WD $1,274
Ford Fusion S 4-Dr Sedan $1,264
Toyota Tacoma Double Cab 4WD $1,270
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in Arlington, TX location which can revise premium rates noticeably.

Based on these rates, we can presume that makes and models like the Honda CR-V, Ford Escape, and Honda Accord will definitely be a few of the more affordable vehicles to insure for realtors.

One of the many factors that help determine auto insurance rates is your zip code in Arlington. Larger areas likely pay more, whereas areas that tend to be more rural have the luxury of lower rates.

The table below sorts the most expensive cities in Texas for real estate agents to buy an auto insurance policy in. Arlington is ranked #16 with an annual premium of $1,658 for the average policyholder, which is around $138 each month.

How much does auto insurance cost in Arlington?
Rank City Premium Per Year
1 McAllen $1,936
2 Brownsville $1,927
3 Dallas $1,893
4 Laredo $1,851
5 Garland $1,850
6 Houston $1,835
7 Amarillo $1,804
8 Irving $1,772
9 Mesquite $1,771
10 Pasadena $1,758
11 Grand Prairie $1,740
12 San Antonio $1,722
13 Beaumont $1,720
14 Lubbock $1,665
15 Carrollton $1,664
16 Arlington $1,658
17 El Paso $1,632
18 Fort Worth $1,621
19 Corpus Christi $1,620
20 Austin $1,610
21 McKinney $1,609
22 Plano $1,608
23 Abilene $1,561
24 Waco $1,537
25 Killeen $1,533
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Rate quotes are approximated as the specific geographic location can impact premium rates greatly.

Determining which insurers offer the cheapest auto insurance rates for real estate agents will require more work than just quoting one company’s rates. Every insurance company has a proprietary method to set policy rates, so let’s take a look at the auto insurance companies with the most affordable rates in Texas.

Best Auto Insurance Prices for Realtors

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,117
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,244
5 California Casualty $1,396
6 Esurance $1,421
7 State Farm $1,450
8 Mercury $1,506
9 Nationwide $1,538
10 Safe Auto $1,549
11 Allstate $1,650
12 Progressive $1,715
13 Amica $1,723
14 Home State $2,071
15 GEICO $2,072
16 Unitrin $2,241
17 MetLife $2,249
18 Encompass $2,301
19 21st Century $2,421
20 Titan $2,568
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Travelers quotes some of the lowest car insurance rates in Arlington at around $1,052 a year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the more affordable Arlington, TX insurance companies.

In the above example, if you have coverage with California Casualty and switched to USAA, you may see savings of approximately $279. Customers with Esurance may save as much as $304 a year, and State Farm policyholders might lower prices by $333 a year.

Remember that these estimates are averages for all types of insureds and vehicles and do not factor in a specific vehicle garaging location for real estate agents. So the insurer that is best suited for you may not even be in the top 23 companies shown above. That is why you need to compare rates from multiple companies using your own specific driver information and vehicle.

Rate difference between full and liability-only coverage

Reducing premiums for auto insurance should be important to the majority of people, and one of the quickest ways to save on the cost of insurance for real estate agents is to not buy full coverage. The information below shows the difference between auto insurance costs when comparing full coverage to liability only. The price estimates are based on no claims or driving citations, $100 deductibles, drivers are not married, and no additional discounts are factored in.

As an average, comp and collision coverage costs an additional $2,181 per year more than carrying just liability coverage. Many drivers will wonder if physical damage coverage is worth the money. There is no clear-cut rule to eliminate physical damage insurance, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s replacement cost is $5,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $4,500 after paying your deductible. If premiums are more than $450 a year to have full coverage, then you might want to consider buying only liability coverage.

There are a few situations where eliminating full coverage is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage.

The illustration below shows how different deductible levels can change annual premium costs when quoting cheap insurance for real estate agents. The data assumes a married female driver, full physical damage coverage, and no other discounts are factored in.

The chart above illustrates that a 30-year-old driver could lower their car insurance rates by $408 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $612 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 category, could save $870 every year by choosing a larger deductible amount.

When raising deductibles, it will be necessary to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

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Arlington, TX auto insurance rates are calculated based on many things that control the price of coverage. Simply getting older, buying a home instead of renting, or getting a couple of tickets can trigger price changes resulting in some rates now being more affordable than competitors.

Not only may your situation change, but insurers file new Texas auto insurance rates multiple times each year to help ensure profitability. An unexpected high level of claims can cause rate increases, while a profitable period may cause lower-cost Arlington car insurance rates.

For example, the chart below shows a variety of companies that have the cheapest car insurance in Arlington, TX for a 40-year-old female driver with no accidents or violations, and excellent credit. If we estimate prices based on her personal profile, Travelers quotes the best car insurance rates in Arlington at $1,126 a year. This is $778 less than the average policy premium 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.

The chart below compares rates after we give the driver from the first set of rates an at-fault accident, a little lower credit rating, and a few blemishes on her driving record. Since each company has their own process to set their prices, getting updated rate quotes may now result in a substantially altered list of the cheapest companies as shown below.

State Farm now has the best auto insurance rate in Arlington, TX with Mercury, Nationwide, USAA, and Safe Auto completing the list. This demonstrates why consumers need to shop around to find the most affordable car insurance rates for real estate agents. Car insurance prices are calculated by many different factors and can increase or decrease at any time, so the cheapest company the last time you shopped your coverage around may now be priced much higher than other options.