Who Has the Cheapest Arlington Car Insurance Rates for Low Income Drivers?

You have seen the captivating commercials from companies like Nationwide and The General that claim huge savings. So drivers should just pick the company with the cutest commercial, right?

It’s not that simple, unfortunately, as there are many unknown factors like your credit rating, if you are a man or woman, how old you are, and if you have ever let your coverage lapse. This article delves into the best ways to pay less and will give you a jump start in finding the best auto insurance.

One of the more important components that determine the price you pay for insurance is where you keep your car in Arlington. Regions with larger populations or more claims tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.

The next table lists the highest-priced areas in Texas for low income drivers to purchase auto insurance in. Arlington shows up at #17 with an annual rate of $1,658 for the average insured, which is approximately $138 monthly.

How much does car insurance cost in Arlington, TX?
Rank City Annual Premium
1 McAllen $1,956
2 Houston $1,909
3 Amarillo $1,858
4 Dallas $1,855
5 Brownsville $1,851
6 Laredo $1,833
7 Mesquite $1,825
8 Grand Prairie $1,811
9 Garland $1,796
10 Pasadena $1,740
11 Lubbock $1,733
12 San Antonio $1,722
13 Beaumont $1,720
14 Irving $1,719
15 Austin $1,676
16 Fort Worth $1,670
17 Arlington $1,658
18 Carrollton $1,647
19 McKinney $1,609
20 Corpus Christi $1,588
21 El Paso $1,584
22 Plano $1,576
23 Waco $1,537
24 Abilene $1,515
25 Killeen $1,473
Find Cheaper Rates Go

Table data uses estimated as the specific geographic location can impact prices considerably.

The make and model of vehicle you are trying to insure is a significant factor when shopping for the cheapest car insurance for low income drivers. Vehicles with lower acceleration and performance, good safety features, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The data below presents car insurance rates for a selection of the more affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Arlington, TX
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 2WD $1,084
Honda Accord EX 4-Dr Sedan $1,094
Toyota Tacoma 2WD $1,095
Ford Focus S 4-Dr Sedan $1,101
Chevrolet Equinox LS AWD $1,117
Ford F-150 FX4 4WD $1,137
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,156
Chevrolet Impala LTZ $1,174
GMC Sierra 2500HD SLE Crew Cab 4WD $1,194
Jeep Grand Cherokee Limited 4WD $1,202
Nissan Rogue S 2WD $1,198
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,216
Dodge Grand Caravan CV $1,226
Ford Explorer XLT 4WD $1,216
Ford Escape Limited 4WD $1,262
Ford Edge SE 2WD $1,273
Toyota Camry Hybrid $1,276
Start Your Quote Go

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can impact coverage prices noticeably.

Based upon the table data, we can tell that models like the Honda CR-V, Honda Accord, and Toyota Tacoma are most likely to be a few of the most budget-friendly vehicles to insure for poor drivers.

Finding cheap insurance is difficult, and figuring out which insurers offer the best insurance rates for low income drivers involves even more perseverance. Every auto insurer uses a different method for setting rates, so we’ll go over the lowest cost insurance companies in Arlington.

We do need to point out that Arlington, TX insurance rates are impacted by many factors that will increase or decrease the price you have to pay for coverage. That is why consumers need to compare many different companies when trying to get cheap car insurance quotes for low income drivers. Rates can be determined by many different factors and can increase or decrease at any time, so the most affordable company six months ago may now be wasting a lot of money.

Lowest Insurance Price Quotes in Texas

Compare Rates Today

Cheapest auto insurance in Texas ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,128
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,294
5 Esurance $1,421
6 California Casualty $1,424
7 Mercury $1,461
8 State Farm $1,495
9 Nationwide $1,585
10 Safe Auto $1,613
11 Allstate $1,667
12 Progressive $1,698
13 Amica $1,775
14 GEICO $2,072
15 Home State $2,134
16 Unitrin $2,241
17 MetLife $2,249
18 Encompass $2,324
19 21st Century $2,494
20 Titan $2,672
Get Personalized Rates Go

Travelers normally has some of the lowest car insurance rates in Arlington at around $1,052 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the best Arlington, TX insurance companies.

As illustrated above, if you currently have a policy with Texas Farm Bureau and switched to Travelers, you could earn annual savings of in the neighborhood of $159. Drivers with Germania Mutual may save as much as $242 a year, and Esurance policyholders might lower prices by up to $369 a year.

To find the cheapest rates for your vehicle, click here to start your free quote or quote prices from the following companies.

Bear in mind that those policy rates are averages across all types of drivers and the different vehicles they drive and and are not calculated with a specific vehicle garaging location for low income drivers. So the auto insurance company that fits your needs best may not even be in the top 23 companies shown above. That’s why you need to quote rates from many companies using your own driver and vehicle profiles.

Violations and accidents raise rates

In a perfect world, the ideal way to obtain low insurance premiums in Arlington for poor drivers is to be a cautious driver and avoid getting tickets or having accidents. The illustration below shows how speeding tickets and accidents raise auto insurance costs for different age groups. The data is based on a single male driver, comp and collision included, $500 deductibles, and no discounts are applied.

The data charted above shows the average cost of a car insurance policy per year with no violations or accidents is $2,431. Factor in two speeding tickets and the average cost rises to $3,216, an increase of $785 each year. Then add two accidents along with the two speeding tickets and the yearly cost of insurance for low income drivers jumps again to an average of $6,259. That’s an increase of $3,828, or $319 per month, just for not driving attentively!

The example below illustrates how your choice of deductibles can change insurance premiums when quoting cheap insurance for low income drivers. The data is based on a single female driver, full coverage, and no policy discounts are applied.

As shown above, a 30-year-old driver could cut expenses by $344 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $520 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could drop their prices as much as $766 every year by using higher deductibles when buying full coverage.

When using a larger deductible, it will be important to have additional funds in a savings account to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.

Buying coverage from a high-quality insurer can be rather challenging considering how many companies are available to choose from in Texas. The rank data below could help you select which companies to look at when comparing rate quotes. The rankings below are only made up of large, nationwide insurance companies, so companies with more of a regional focus are not included in this list.

Top 15 Insurance Companies for Low Income Drivers in Arlington, TX
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
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

How to find more affordable car insurance for low income drivers

Lowering your rates is not difficult, and here are some of the recommended penny-pinching solutions that can help drivers buy more affordable car insurance.

That last idea is remarkably significant, as was stressed in the prior article. Prices charged by auto insurers can change considerably based on profitability, so don’t be afraid to buy a policy from a new company if a more affordable rate is found. Brand loyalty is great, but it’s not a great idea if that stubbornness costs you big bucks every year. Take a few minutes and compare rates to find cheaper car insurance for low income drivers in Arlington.