Who Has the Cheapest Arlington Auto Insurance Rates for Single Moms?

Finding good, cheap auto insurance is confusing at best, and finding out which company has the lowest-priced auto insurance rates for single moms will involve more quotes for comparison. Each company uses their own method for determining rates, so let’s take a look at the auto insurance companies with the most affordable rates in Arlington.

It’s a good idea to know that Arlington, TX auto insurance rates are determined by lots of factors which can substantially change the cost of a policy. Events like a birthday, buying a different home, or getting into an accident can trigger rate changes that can make some companies more expensive than competitors.

Best Insurance Companies for Single Moms

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Travelers generally has some of the lowest car insurance rates in Arlington at around $1,021 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the most economical Arlington, TX auto insurance companies.

As shown in the rates above, if you are insured with Texas Farm Bureau and switched to Travelers, you might see a yearly savings of roughly $214. Texas drivers with Germania Mutual might save as much as $273 a year, and Esurance customers might lower prices by up to $344 a year.

Remember that these estimates are averages across all types of insureds and vehicles and and are not figured with a specific location for single moms. So the car insurance company that has the lowest price for you may not even be in the top 23 companies in the list above. That illustrates why you need to get rate quotes using your own personal information and vehicle type.

For single parents, one of the big considerations that are used to help calculate the amount you pay each year for auto insurance is your address. Areas with increased crime or more people tend to pay slightly more, whereas more rural areas have the benefit of cheaper car insurance.

The following table rates the most expensive cities in Texas for single moms to purchase auto insurance in. Arlington ranks #14 with a yearly premium of $1,692 for the average policy, which is about $141 per month.

How much does car insurance cost in Arlington, TX?
Rank City Premium Per Year
1 McAllen $1,956
2 Brownsville $1,927
3 Houston $1,853
4 Amarillo $1,840
5 Dallas $1,837
6 Laredo $1,833
7 Garland $1,832
8 Irving $1,789
9 Beaumont $1,772
10 Mesquite $1,753
11 Grand Prairie $1,740
12 Pasadena $1,740
13 San Antonio $1,739
14 Arlington $1,692
15 Lubbock $1,682
16 Austin $1,676
17 Carrollton $1,647
18 El Paso $1,632
19 Plano $1,624
20 Fort Worth $1,621
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Information shown are approximated as specific location information can alter premium rates significantly.

The type of vehicle you are insuring is probably the most important factor when looking for low-cost auto insurance for single moms. Vehicles with high performance features, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than safer, lower-performance models.

The data below illustrates auto insurance costs for a handful of the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in Arlington, TX
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 2WD $984
Jeep Wrangler Sport 4WD 2-Dr $1,022
Volkswagen Jetta S 2.5 Station Wagon $1,067
Toyota Prius $1,090
Ford Explorer Eddie Bauer 2WD $1,105
Ford Fusion S 4-Dr Sedan $1,166
Toyota Camry SE $1,227
Honda Odyssey LX $1,238
Honda CR-V EX-L 4WD $1,246
Chevrolet Equinox LTZ AWD $1,249
Dodge Ram Crew Cab SLT 2WD $1,270
Dodge Ram 3500 Crew Cab ST 2WD $1,294
Toyota Camry Hybrid $1,330
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price information does not factor in garaging location in Arlington, TX which can lower or raise prices substantially.

Looking at the numbers, we can tell that makes and models like the Ford Escape, Jeep Wrangler, and Volkswagen Jetta should be the most budget-friendly vehicles to insure for single parents.

Buying coverage from a high-quality car insurance company can be challenging considering how many companies provide coverage in Texas. The ranking data below could help you decide which auto insurance companies to look at when comparing rates.

The ratings below are only comprised of large insurance companies, so smaller regional companies are not taken into consideration for these rankings. To view rates from these companies and more, just click here.

Top 10 Major Auto Insurance Companies 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

Top 10 Major Auto Insurance Companies in Arlington Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

The information below shows how choosing a deductible can raise or lower insurance prices when searching for cheap insurance for single moms. Data assumes a single male driver, full coverage, and no additional discounts are factored in.

In the chart above, a 40-year-old driver could reduce rates by $440 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $660 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, could save up to $1,446 each year by using a higher deductible. If you do decide to increase your deductibles, it is a good idea to have additional savings on hand to satisfy the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

You are probably paying too much for car insurance

Arlington auto insurance rates are calculated based on many things that will increase or decrease the price of coverage. Improving your credit rating, having a claim, or getting a reckless driving citation can trigger price changes resulting in some rates now being cheaper in comparison to the competition. Also, insurers file new Texas car insurance rates as often as every three months to help ensure profitability. A period of higher than normal claims may cause increased policy costs, while lower claims may cause lower-priced Arlington car insurance rates.

To illustrate this example, the bar chart below shows rates for the cheapest car insurance in Arlington, TX for a 45-year-old female driver with no violations or accidents, and solid credit. When comparing rates based on her current risk factors, Travelers may offer the lowest car insurance rates in Arlington at $1,137 each year. This is $767 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the cheapest Arlington, TX auto insurance companies.

Now we will pretend the driver from the first set of rates a chargeable claim, a lower credit rating, and a traffic citation. Since every insurance provider has a unique approach to determining premium rates, analyzing rate quotes most likely will result in a substantially altered list of companies as shown below.

State Farm now has the best insurance rate in Arlington with USAA, Mercury, Safe Auto, and Nationwide now rounding out the top five. This example illustrates why it is critical to take the time to shop around to get the most budget-friendly auto insurance rates for single moms.

Rates are impacted by many different factors and change frequently, so the most economical company the last time you shopped around may now be quite expensive.

How to find economical auto insurance for single moms

Below you’ll find some of the recommended money-saving ideas that can help you buy cheaper car insurance.

The last item on the list is certainly vital, as was affirmed in the article above. Insurance prices in Arlington change frequently, so drivers shouldn’t be resistant to buy a policy from a new company if a better rate can be found. Having a favorite company is fine, but it’s not recommended if that loyalty ends up costing hundreds every year. In just a few minutes you could compare rates to find cheaper car insurance for single moms.