The vehicle requiring insurance is one of the largest considerations when quoting the lowest-priced car insurance for high mileage drivers. Vehicles with higher performance, poor safety features, or high incidents of liability claims will cost substantially more to insure than more modest models.
The data below illustrates auto insurance prices for some of the cheaper automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,032 |
| Ford Explorer XLT 4WD | $1,045 |
| Toyota Tacoma 2WD | $1,080 |
| Honda CR-V EX-L 2WD | $1,091 |
| Toyota Camry LE | $1,102 |
| Chevrolet Impala LT | $1,107 |
| Ford Escape XLT 2WD | $1,144 |
| Hyundai Elantra SE Touring Station Wagon | $1,157 |
| Toyota Corolla XLE | $1,159 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,181 |
| Chevrolet Equinox LTZ AWD | $1,191 |
| Dodge Grand Caravan SE | $1,196 |
| Ford F-150 XL Crew Cab 2WD | $1,205 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,198 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,262 |
| Toyota Camry Hybrid | $1,268 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,262 |
| Kia Optima EX | $1,269 |
| Jeep Grand Cherokee Laredo 4WD | $1,262 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $1,279 |
| Dodge Ram 2500 Crew Cab Laramie 4WD | $1,282 |
| Ford Focus SE 4-Dr Sedan | $1,325 |
| Ford Edge Limited 2WD | $1,333 |
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific Arlington, TX garaging location which can modify price quotes greatly.
Looking at the numbers, we can assume that makes and models like the Toyota Prius, Ford Explorer, Toyota Tacoma, Honda CR-V, and Toyota Camry are likely to be some of the cheaper vehicles to insure for high mileage drivers.
For high mileage drivers, one of the big factors that aid in calculating car insurance rates is the neighborhood you call home in Arlington. Regions with more people or even just more weather-related claims will most likely have higher rates, whereas areas with less people or fewer weather incidents have the luxury of cheap car insurance rates.
The illustration below rates the most expensive areas in Texas for high mileage drivers to purchase car insurance in. Arlington is listed at #16 with the yearly price of $1,642 for coverage, which is around $137 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Dallas | $1,855 |
| 3 | Houston | $1,853 |
| 4 | Brownsville | $1,851 |
| 5 | Laredo | $1,851 |
| 6 | Garland | $1,832 |
| 7 | Grand Prairie | $1,811 |
| 8 | Amarillo | $1,804 |
| 9 | Irving | $1,789 |
| 10 | Pasadena | $1,758 |
| 11 | Mesquite | $1,753 |
| 12 | Beaumont | $1,720 |
| 13 | Lubbock | $1,682 |
| 14 | San Antonio | $1,671 |
| 15 | Fort Worth | $1,653 |
| 16 | Arlington | $1,642 |
| 17 | McKinney | $1,625 |
| 18 | Carrollton | $1,615 |
| 19 | Austin | $1,610 |
| 20 | Plano | $1,608 |
| 21 | Corpus Christi | $1,588 |
| 22 | El Paso | $1,584 |
| 23 | Waco | $1,522 |
| 24 | Abilene | $1,499 |
| 25 | Killeen | $1,488 |
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Table data uses estimated as specific Arlington zip code can affect premium rates greatly.
Trying to buy low-priced car insurance is difficult, and deciding which companies have the cheapest car insurance rates for high mileage drivers may require more quotes for comparison.
Every insurance company uses slightly different criteria to set their prices, so let’s rank the car insurance companies with the most affordable rates in Texas.
Compare Cheap Insurance Quotes in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,282 |
| 5 | California Casualty | $1,382 |
| 6 | Esurance | $1,421 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,495 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,698 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,134 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,672 |
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Travelers generally has some of the lowest car insurance rates in Arlington at around $1,052 annually. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also make the list of some of the most economical Arlington, TX auto insurance companies.
As illustrated above, if you have coverage with Germania Mutual and switched to Travelers, you could earn an annual savings of upwards of $230. Drivers with California Casualty could save as much as $330 a year, and Esurance insureds might reduce rates by $369 a year.
To see how much you can save, click here to begin a quote or visit any of the companies below.
Bear in mind that those prices are averages across all drivers and vehicles and and are not figured with a vehicle location for high mileage drivers. So the insurer that can offer the best rates for your situation may not even be in the list above. That underscores the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.
The information below demonstrates how deductibles can change insurance costs when quoting cheap insurance for high mileage drivers. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could lower their car insurance rates by $408 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $612 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could roll back prices $1,048 or even more just by choosing larger deductibles.
If you do make the decision to raise your deductibles, it will be necessary to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Full coverage rates compared to liability-only
Saving on car insurance is important to most people, and one way to pay less for insurance for high mileage drivers is to only buy liability insurance. The chart below compares insurance costs with full coverage and liability only. The premiums are based on no accidents or driving violations, $500 deductibles, drivers are single, and no discounts are factored in.
As an overall average, physical damage insurance costs an extra $1,963 per year more than insuring for liability only. Many of you may wonder when is it a good idea to stop buying full coverage. There is no clear-cut rule to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
Finding the best insurer can be rather challenging considering how many different companies insure vehicles in Arlington. The information displayed below can help you choose which insurers you want to consider when looking for cheaper rates. The ratings below only include companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Texas are not taken into consideration for the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Why it’s important to shop around
Arlington, TX car insurance rates are based on many factors which can substantially change the cost of your policy. Simply having another birthday, adding a teenager to your policy, or getting caught speeding can cause premium changes that can now make some companies cheaper than competitors.
And not only may your rating factors change, but companies change premium rates as often as every quarter to help ensure profitability. Higher than normal claims may cause increased rates, while lower claim levels may produce cheaper Arlington car insurance rates.
To illustrate this example, the bar chart below shows which companies have the cheapest car insurance in Arlington, TX for a 40-year-old female driver with a good driving record, no prior claims, and good credit. When comparing rates based on her personal risk profile, Travelers might quote the cheapest car insurance rates in Arlington at $1,118 per year. This is $786 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the best Arlington, TX auto insurance companies.
Now we will pretend the driver in the first chart a chargeable accident, bad credit, and a stop sign violation. Due to the fact that every insurance company has a different process to set policy rates, comparing rates may now present a slightly different list of affordable Arlington car insurance companies as shown below.
Mercury now has the best insurance rate in Arlington with State Farm, Nationwide, Safe Auto, and USAA also being competitive. This example demonstrates why it is crucial to do a thorough rate comparison to find the best car insurance quotes for high mileage drivers.
Prices are determined by many risk factors and can change substantially, so the best option the last time you shopped your coverage around may now be priced much higher than other options.