The words “economical” and “insurance” really shouldn’t be used together, especially when you are trying to find the best car insurance for welfare recipients. To save some money, let’s teach you some of the things that influence auto insurance premiums, and figure out some ways to slash the price of your next policy.
One of the many criteria that are looked at to help calculate the annual cost of car insurance is where you choose to live in Arlington. Regions with more people or even just more weather-related claims tend to have more expensive car insurance rates, whereas areas with less congestion profit from lower rates.
The table below sorts the most expensive places in Texas for welfare recipients in which to purchase auto insurance. Arlington shows up at #14 having an annual price of $1,692 for coverage, which is about $141 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Laredo | $1,889 |
| 3 | Dallas | $1,855 |
| 4 | Brownsville | $1,851 |
| 5 | Houston | $1,835 |
| 6 | Pasadena | $1,812 |
| 7 | Mesquite | $1,807 |
| 8 | Amarillo | $1,804 |
| 9 | Garland | $1,778 |
| 10 | Grand Prairie | $1,757 |
| 11 | Irving | $1,736 |
| 12 | Lubbock | $1,733 |
| 13 | Beaumont | $1,720 |
| 14 | Arlington | $1,692 |
| 15 | San Antonio | $1,688 |
| 16 | Fort Worth | $1,670 |
| 17 | Plano | $1,624 |
| 18 | Carrollton | $1,615 |
| 19 | Austin | $1,610 |
| 20 | Corpus Christi | $1,588 |
| Compare Rates Now Go | ||
Prices are comparative as the specific garaging location can influence prices considerably.
Shopping around for low-priced car insurance is difficult, and finding out which insurers offer the most affordable auto insurance rates for welfare recipients will involve additional perseverance.
Each auto insurance company uses a slightly different approach to determine premium rates, so we’ll go over the most competitive auto insurance companies in Arlington, TX. It’s important to know that Texas auto insurance rates are impacted by many factors that will increase or decrease the price you have to pay. This price variability is why it is so important to do a thorough rate comparison when trying to get the cheapest auto insurance quotes for welfare recipients. Prices are determined by many things and can change substantially, so the best company when you bought your policy may now be one of the more expensive options.
Find the Cheapest Car Insurance in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,244 |
| 5 | California Casualty | $1,396 |
| 6 | Esurance | $1,407 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,585 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,594 |
| Get a Custom Quote Go | ||
Travelers may have some of the most affordable car insurance rates in Arlington at around $1,052 annually. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the cut as some of the most economical Arlington, TX insurance companies.
As shown above, if you currently buy coverage from Germania Mutual and switched to USAA, you could realize an annual premium reduction of approximately $116. Insureds with California Casualty may save as much as $268 a year, and Esurance customers might see rate reductions of $279 a year.
It’s important to note that these prices are averaged across all ages of drivers and types of vehicles and do not take into consideration an exact location for welfare recipients. So the company that is best for you may not even be in the top 23 companies shown above. That is why you need to get quotes using your own specific driver information and vehicle.
Violations and accidents raise rates
The obvious way to earn the cheapest auto insurance premiums in Arlington for drivers on welfare is to drive attentively and avoid accidents and traffic citations. The information below shows how violations and at-fault claims can influence auto insurance rates for different categories of driver ages. The information is based on a single male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
In the prior example, the average cost of a car insurance policy per year with no violations or accidents is $2,159. Receive two speeding tickets and the average cost surges to $2,847, an increase of $688 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for welfare recipients increases to an average of $3,548. That’s an increase of $1,388, or $116 per month, just for not driving safely!
Types of discounts on Arlington auto insurance
Insurance companies that sell policies for welfare recipients could also offer premium discounts that could potentially reduce rates by as much as 35% or more if you qualify. Popular auto insurance companies and a summarized list of policyholder discounts are detailed below.
- Travelers may have discounts that include home ownership, good student, hybrid/electric vehicle, payment discounts, IntelliDrive, multi-policy, and save driver.
- 21st Century may include discounts for student driver, air bags, teen driver, 55 and older, defensive driver, good student, and driver training.
- State Farm has discounts for anti-theft, student away at school, Steer Clear safe driver discount, multiple autos, and accident-free.
- GEICO offers discounts including anti-lock brakes, daytime running lights, good student, air bags, multi-vehicle, and federal employee.
- SAFECO may offer discounts for accident prevention training, teen safety rewards, teen safe driver, anti-lock brakes, bundle discounts, safe driver, and multi-car.
- AAA discounts include multi-car, education and occupation, multi-policy, anti-theft, and AAA membership discount.
The diagram below visualizes the comparison of insurance premiums with and without discounts applied to the rates. The premiums assume a male driver, no violations or accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, multiple policy, claim-free, anti-theft, accident-free, and homeowner discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for welfare recipients is 28% or $678.
The insurance agents in Arlington listed below can aid you in deciding which policy fits your needs best, as some drivers wish to have a consultation when shopping for the best coverage for drivers on welfare. It can be challenging to find the cheapest auto insurance company, so professional agents can provide satisfaction knowing you have sufficient coverage for your assets.
To locate an Arlington insurance agent nearest to you, click the button after the list.
- Pickard Insurance Agency
2221 W Arkansas #102 – Arlington, TX 76013 – (817) 460-0333 - Allstate Insurance: Yvette Holguin
5800 S Collins St #124 – Arlington, TX 76018 – (817) 609-8051 - Nationwide Insurance: Al Sicard Agency Group LLC
1818 E Abram St – Arlington, TX 76010 – (817) 460-3377 - Samantha Nguyen-Le – State Farm Insurance Agent
3415 S Collins St #107 – Arlington, TX 76014 – (817) 466-3000 - Vogue Insurance Agency
1201 N Watson Rd #287 – Arlington, TX 76006 – (682) 305-2140
View map of Arlington, TX insurance agents
How to find cheaper auto insurance for welfare recipients
Below you’ll find many thrifty ideas that can help you get lower-cost coverage.
- Bundle home and auto and earn a discount
- Better credit scores save money
- Raise comprehensive and collision coverage deductibles
- Serious violations like DUI or reckless driving can increase rates dramatically
- Avoid having at-fault accidents
- If possible, do not file small claims
- Compare rates once a year for cheaper prices
The last item on the list is particularly significant, as we emphasized in this article. Coverage prices change constantly, so drivers shouldn’t be reluctant to switch carriers if a more affordable price is available.
Having a favorite company is great, but we do not recommend it if that loyalty results in overpaying money that could be used for better things. Take a couple minutes and compare prices to find cheaper insurance for welfare recipients in Arlington.