The car, truck, or SUV you are seeking coverage for is a large factor when trying to find cheaper insurance with multiple speeding tickets. Vehicles with high performance, a lack of safety features, or high incidents of liability claims will cost much more to insure than safer, lower-performance models. The list below ranks coverage premiums for a number of the most affordable automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,452 |
| Honda CR-V EX-L 2WD | $1,461 |
| Dodge Grand Caravan CV | $1,587 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,597 |
| Ford Explorer XLT 2WD | $1,587 |
| Chevrolet Impala LS | $1,650 |
| Honda Accord EX-L 4-Dr Sedan | $1,655 |
| Chevrolet Equinox LT 2WD | $1,682 |
| Chevrolet Malibu LT | $1,713 |
| Toyota Prius | $1,722 |
| Ford Focus SES 4-Dr Sedan | $1,745 |
| Honda Odyssey EX | $1,763 |
| Toyota Tacoma 2WD | $1,769 |
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Table data assumes single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in your specific Arlington, TX location which can lower or raise price quotes noticeably.
Looking at the rates, you can infer that cars like the Ford Escape, Honda CR-V, and Dodge Grand Caravan are the cheapest vehicles to insure after a few driving violations.
One of the more important factors that aid in calculating the annual cost of car insurance is where you call home. More densely populated places tend to have more expensive auto insurance rates, whereas more rural areas have the benefit of cheaper auto insurance prices.
The table below shows the most expensive areas in Texas with multiple speeding tickets in which to purchase auto insurance. Arlington shows up at #17 having an annual price of $1,642 for the average insurance policy, which is about $137 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Dallas | $1,911 |
| 3 | Laredo | $1,907 |
| 4 | Brownsville | $1,870 |
| 5 | Amarillo | $1,858 |
| 6 | Houston | $1,835 |
| 7 | Grand Prairie | $1,793 |
| 8 | Garland | $1,778 |
| 9 | Irving | $1,772 |
| 10 | Pasadena | $1,758 |
| 11 | Beaumont | $1,754 |
| 12 | Mesquite | $1,753 |
| 13 | Lubbock | $1,716 |
| 14 | San Antonio | $1,688 |
| 15 | Austin | $1,676 |
| 16 | Fort Worth | $1,653 |
| 17 | Arlington | $1,642 |
| 18 | McKinney | $1,625 |
| 19 | Corpus Christi | $1,620 |
| 20 | El Paso | $1,616 |
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Rate information is estimated as the garaging address in Arlington can lower or raise premium rates substantially.
Buying coverage from the top company can be rather challenging considering how many different companies insure vehicles in Texas. The rank data below may help you choose which car insurance companies you want to consider when comparing rates.
The ratings below are only made up of major nationwide insurance companies, so companies with more of a regional focus are not factored into this list. To get rate quotes from the insurers below and more, simply click here.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Impact of citations and accidents on insurance rates
In a perfect world, the ideal way to enjoy low car insurance rates after a few driving violations is to drive attentively and have a clean driving record. The illustration below shows how traffic citations and at-fault claims can raise insurance prices for different age groups. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
The chart shows that the average cost of an auto insurance policy in Arlington per year with no accidents or violations is $2,062. Add in one speeding ticket and the average cost surges to $2,340, an increase of $279 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of car insurance with multiple speeding tickets goes up to an average of $4,948. That’s an increase of $2,886, or $241 per month, just for being a careless driver!
Here’s why you should compare rates often
Texas car insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay for coverage. Simply getting older, buying a different vehicle, or getting caught speeding may cause policy rate changes resulting in some rates now being cheaper in comparison to the competition. In addition to those changes, companies change rates every year in order to maintain liquidity for claims. Significantly higher claims can cause high rates, while long-term profits can produce more affordable Arlington car insurance rates.
To help illustrate this point, the bar chart below demonstrates which company has the cheapest car insurance in Arlington, TX for a 30-year-old male driver with no prior accidents, a clean driving record, and excellent credit. If we compare prices based on his current risk profile, Travelers may have the cheapest car insurance rates in Arlington at $1,137 annually. This is $767 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the cheapest Arlington, TX auto insurance companies.
Now we will give the driver from the above example some claims, a lower credit rating, and a speeding ticket. Due to the fact that every insurance company uses a different method for determining rates, comparing prices may now show a significantly different list of cheap Arlington auto insurance companies as shown below.
State Farm now has the best price on car insurance in Arlington with Mercury, USAA, Safe Auto, and Nationwide now being in the top five. This example illustrates why drivers need to perform a complete rate comparison to get the best auto insurance quotes with multiple speeding tickets.
Insurance rates can be determined by many risk factors and change dramatically, so the best company the last time you shopped your coverage around may now be an over-priced policy.
If you have coverage questions and would like to have a professional recommendation when shopping for the best coverage with multiple speeding tickets, the insurance agencies below can probably provide answers to your questions and help you determine which insurance coverage will be best for you.
To find an auto insurance agency close to you, click the button at the bottom of the list or click here to get price quotes now.
- Nationwide Insurance: Comparable Insurance Agency Inc
1700 E Pioneer Pkwy Ste 190 – Arlington, TX 76010 – (817) 460-8899 - Mike Zapata – State Farm Insurance Agent
1115 E Pioneer Pkwy #140 – Arlington, TX 76010 – (817) 277-2021 - Low Rate Insurance Agency
1900 E Abram St – Arlington, TX 76010 – (817) 635-0375 - First Texas Insurance Services LC
700 Highlander Blvd #350 – Arlington, TX 76015 – (817) 275-2626