Who Has the Cheapest Auto Insurance for Seniors in Arlington?

You have most likely watched the catchy advertisements from car insurance companies like Progressive and Allstate that guarantee the cheapest rates, so you should just pick the one with the catchiest commercial, right?

Unfortunately, it’s not that simple as there are many unknown aspects like what your desired deductibles are, if you are a homeowner or renter, and whether you are single or married, that all help calculate your car insurance rates. We will try to cover the things that cause high insurance rates and also should give you some help in finding cheaper rates.

One of the many factors that determine the cost of insurance is where you call home in Arlington. Areas with high crime rates or more dense population tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The following table ranks the most costly cities in Texas for seniors to buy auto insurance in. Arlington is ranked #13 with an annual premium of $1,692 for the average insurance policy, which is about $141 monthly.

Car insurance prices in Arlington
Rank City Annual Rate
1 McAllen $1,956
2 Brownsville $1,927
3 Houston $1,909
4 Laredo $1,907
5 Dallas $1,893
6 Amarillo $1,858
7 Garland $1,832
8 Mesquite $1,825
9 Beaumont $1,754
10 Pasadena $1,740
11 Grand Prairie $1,740
12 Irving $1,736
13 Arlington $1,692
14 Austin $1,676
15 San Antonio $1,671
16 Lubbock $1,665
17 Fort Worth $1,653
18 Carrollton $1,647
19 McKinney $1,625
20 Plano $1,608
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Prices are estimated as the specific geographic location can modify premium rates significantly.

Establishing which company has the best insurance rates for seniors requires more work in order to find the most economical policy.

Each auto insurance company uses a slightly different approach to set premium rates, so let’s take a look at the insurance companies with the overall best prices in Arlington, TX. It’s important to know that Texas insurance rates are impacted by many things which can significantly increase or decrease the price of coverage. Turning one year older, buying a different home, or getting a ticket for careless driving can trigger rate changes that can cause some rates to be more affordable than before.

Lowest Insurance Price Quotes for Mature Drivers

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Rankings for the cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,084
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,282
5 California Casualty $1,396
6 Esurance $1,407
7 State Farm $1,450
8 Mercury $1,521
9 Nationwide $1,553
10 Safe Auto $1,613
11 Progressive $1,664
12 Allstate $1,718
13 Amica $1,775
14 Home State $2,155
15 GEICO $2,156
16 MetLife $2,227
17 Unitrin $2,241
18 Encompass $2,255
19 21st Century $2,421
20 Titan $2,594
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Travelers quotes some of the best car insurance rates in Arlington at around $1,010 a year. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also rank well as some of the most economical Arlington, TX car insurance companies.

As depicted above, if you currently buy coverage from Germania Mutual and switched to USAA, you might see a yearly savings of in the vicinity of $198. Policyholders with California Casualty could save as much as $312 a year, and Esurance customers might cut rates by $323 a year.

If you want to see how much you could save, click here or feel free to get quotes from the companies below.

Be aware that those prices are averaged for all ages of drivers and types of vehicles and do not factor in a specific location for seniors. So the insurer that can offer you the best price may not even be in the top 23 companies in the list above. That is why you need to quote rates from many companies using your own specific driver and vehicle information.

The information below shows how different deductible levels can change insurance rates when researching cheap insurance for seniors. The data is based on a married male driver, full coverage, and no discounts are applied.

The data above shows that a 50-year-old driver could lower their policy premium by $264 a year by changing from a $100 deductible up to a $500 deductible, or save $402 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could potentially save up to $884 each year by using higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it is necessary to have enough spare savings to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.

Get discount Arlington auto insurance

Insurance for senior citizens in Arlington, TXInsurance providers that offer coverage for seniors may provide rate discounts that can lower rates by as much as 35% if you can meet the requirements. Larger insurance companies and the discounts they provide are:

The information below visualizes the comparison of premium costs with and without discounts. The rate quotes are based on a male driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, defensive driving course, safe-driver, multiple vehicle, passive restraint, and marriage discounts applied. In this example, the average amount saved each year on insurance for seniors is 30% or $517.

Which insurance company is best in Texas?

Ending up with the highest-rated company is difficult considering how many different companies there are to choose from in Arlington. The company ratings shown next could help you pick which providers you want to consider purchasing from. The ratings below include the largest companies in America, so companies that only write business in Texas or surrounding areas are not factored into this list.

Top 10 Large Auto Insurers Overall in Arlington

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive