Arlington, TX Car Insurance
How much does car insurance cost in Arlington?
If you're a driver in Arlington, you can expect to pay an average of $1,035 for a six-month car insurance policy or $175 per month. Our 2023 data indicates that GEICO is the most cost-effective car insurance company in Arlington, offering rates as low as $785 for a six-month policy or $131 per month. Arlington's rates are lower than the Texas state average of $993 for six months but still higher than the national average of $742.
While 39% of our Arlington customers believe they are paying too much for their car insurance, we're here to help provide some answers and helpful tips whether you're simply educating yourself about insurance or shopping for new coverage in Arlington.
|Car Insurance in Arlington vs. Texas||Avg. 6 Mo. Premium|
The cheapest car insurance companies in Arlington
GEICO is the cheapest option in Arlington at $131 per month or $785 for a six-month policy.
The next cheapest option is Nationwide. On average, a Nationwide policy in Arlington costs $819 per six-month policy.
Finishing strong on our top three is State Farm, which costs $141 per month, or $847 for a six-month policy.
Are you paying too much for auto insurance?
Arlington car insurance rates by company
Our 2023 data reveals that GEICO offers the most affordable full-coverage auto insurance in Arlington. With a six-month policy costing around $785, the monthly payment amounts to $131. For a six-month policy, Nationwide is the second most budget-friendly option, with a monthly payment of $137 or a total of $819.
Check out The Zebra's Customer Satisfaction Survey to find out more about the highest-rated car insurance companies.
Cheapest car insurance companies in Arlington, TX
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
When it comes to saving money on your auto insurance, comparing rates from different companies is the easiest option. The Zebra is at your service to make it effortless. All you need to do is enter your ZIP code to start comparing rates of top companies such as Progressive, GEICO, Allstate, and many others. By using The Zebra, you can locate the best affordable auto insurance in Arlington that matches your specific coverage requirements.
Average car insurance in Arlington by rating factor
Car insurance premiums are affected by a combination of factors that may or may not be under your control. Rating factors refer to personal characteristics unique to your profile, such as credit score, age, and claims history. Although insurers typically use the same factors, they may assign different weightings to each one. For example, one insurer may prioritize your credit score, while another may focus more on your claims history.
Keep in mind that the coverage and insurance company most ideal for you may change over time. As you accumulate more driving experience and age, your profile may transform. To ensure that you're still receiving the most favorable rates, it's critical to obtain new auto insurance quotes periodically.
Q: I didn't have an accident — Why is my insurance going up?
A: The cost of car insurance in Arlington is influenced by end-of-year earnings, which compare the premiums collected by insurers to the claims paid out to customers. Even if you are a safe driver with no history of claims, you may still see an increase in rates due to the rising costs of doing business in the region.
Auto insurance premiums by age in Arlington
One of the most important factors that impact car insurance premiums is age. Insurance providers can use data to determine the age group most likely to file claims. Teen drivers are statistically the most accident-prone, resulting in higher premiums for them. In Arlington, for a six-month policy, the difference in rates paid by teenage drivers and those in their 20s is $1,786, which is the highest price gap between any two age groups for a new car insurance policy.
It might come as a surprise to see the cost of insuring a young driver, but keep in mind that insurance companies have to balance the cost of paying claims. They charge higher rates for the riskiest drivers to keep their business running as accidents happen.
Cheapest car insurance companies for teen drivers in Arlington, TX
Auto insurance premiums for minimum coverage in Arlington
Your auto insurance payment is hugely influenced by one small detail: the coverage level that you opt for. There are myriad choices when you're searching for a new policy, but it's crucial that you take the time to think about your needs and select accordingly. Our studies have shown that about 34% of Arlington drivers possess the minimum coverage required by the state. While this does technically meet Texas' requirements, it does also increase your risk in the event of an accident.
If you choose to carry collision coverage or comprehensive coverage (often referred to as "full coverage"), your rates will significantly rise. However, depending on the amount of your deductible, you might have more freedom to choose. The higher your deductible, the lower your rates will be. If you prefer a smaller deductible, then you'll have to pay a higher premium.
Adding roadside assistance and uninsured motorist coverage to your policy will affect your insurance rates. These features can provide additional peace of mind. Uninsured motorist coverage is particularly useful in situations where drivers either do not have insurance or have inadequate coverage. Despite the fact that these options will increase your premiums, they are worth considering, and The Zebra recommends that you carry them in the event of unexpected events that require additional support for you and your vehicle.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
If you opt to lease or finance your vehicle, a certain degree of coverage may be necessary, but if you own your car outright you have more options. If you fully own your car, it may be worthwhile to contemplate dropping comprehensive or collision coverage. We advise using a resource such as Kelley Blue Book to determine the true market value of your car. Typically, if your vehicle is valued at less than $4,000, you may not need more than the minimum required coverage. However, bear in mind that dropping collision coverage means that you'll be responsible for any repairs resulting from an accident.
Cheapest car insurance companies for minimum coverage in Arlington, TX
- Minimum: State liability coverage only
- Basic: State liability + collision and comprehensive (full) coverage
- Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
- Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.
34% of our customers in Arlington opt for the minimum level of coverage, but this may not be the best option for everyone. While we understand state minimum coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Texas' 30/60/25 liability limits provide coverage for damage you cause up to $30,000 per person in bodily injury, $60,000 per accident in bodily injury and $25,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.
Learn more about insurance laws in Texas.
Arlington car insurance rates by credit score
Your credit score and car insurance rates may not appear to be correlated, but in reality, they're interconnected to a greater extent than you realize. In most states, including Texas, credit score is a factor that is taken into account when calculating insurance premiums. The rationale for this is twofold: research has revealed that individuals with lower credit scores are more prone to filing claims, have higher probabilities of experiencing lapses in car insurance coverage, and tend to be more reckless when behind the wheel. As a result, insurance providers must consider the statistical link between lower credit scores and increased risk when establishing rates.
It is interesting to note the effect of credit score variations on rates. For instance, Arlington motorists with a poor credit score (300-579) pay 107% more than drivers who have an excellent credit score (800-850). This is a significant difference! On a positive note, our data shows that most Arlington drivers have a credit score that is average (580-679). Texas Farm Bureau provides the lowest premiums for drivers in this credit bracket.
Cheapest car insurance companies for bad credit in Arlington, TX
Auto insurance rates with an at-fault accident
Insurance claims typically involve collisions or at-fault accidents. In 2023, an at-fault accident led to an average monthly increase of anywhere between $43 and $103 in Arlington. This is up to 60% higher than the going rate for drivers who remain accident-free. State Farm is the most cost-effective insurance company in Arlington for individuals involved in an at-fault accident.
Regardless of your location, the easiest way to keep your auto insurance rates manageable is to maintain a spotless driving record by avoiding citations and accidents. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents can all result in rate hikes. Depending on the type of citation or ticket, your premium will be affected for several years. Typically, at-fault accidents and speeding tickets remain on your record for three to five years, while DUIs or DWIs can have a longer-lasting effect.
Cheapest car insurance companies after an at-fault accident in Arlington, TX
Arlington car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Arlington.
Car insurance rate increases after violations and citations in Arlington, TX
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,043||1%||$9|
|One comp claim||$1,099||6%||$64|
|Failure to show documents||$1,107||7%||$72|
|Driving with expired registration||$1,115||8%||$81|
|Two Med/PIP claims||$1,118||8%||$83|
|Failure to wear a seat belt||$1,122||8%||$87|
|Driving without lights||$1,122||8%||$88|
|Child safety restraint||$1,129||9%||$95|
|Texting while driving||$1,149||11%||$115|
|Cell phone violation||$1,149||11%||$115|
|Speeding 16 - 20 MPH over limit||$1,152||11%||$117|
|Speeding 11 - 15 MPH over limit||$1,152||11%||$117|
|Speeding 6 - 10 MPH over limit||$1,152||11%||$117|
|Driving too slowly||$1,157||12%||$122|
|Speeding in school zone||$1,157||12%||$122|
|In 65 MPH zone||$1,159||12%||$124|
|Failure to stop at a red light||$1,160||12%||$125|
|Two comp claims||$1,160||12%||$125|
|Speeding 21 - 25 MPH over limit||$1,165||13%||$130|
|Wrong way/wrong lane||$1,165||13%||$131|
|Failure to yield||$1,168||13%||$133|
|Following too closely||$1,170||13%||$135|
|Passing school bus||$1,175||14%||$141|
|Operating a vehicle without permission||$1,183||14%||$149|
|At-fault accident - less than $1000||$1,289||25%||$255|
|Driving with a suspended license||$1,451||40%||$416|
|Leaving scene of an accident/hit and run||$1,503||45%||$468|
|At-fault accident - $1000-$2000||$1,647||59%||$612|
|At-fault accident - greater than $2000||$1,652||60%||$618|
|Refusal to submit to a chemical test||$1,688||63%||$654|
Why is car insurance in Arlington so expensive?
The high cost of auto insurance in Arlington stems from several sources. While the high cost of living in the city compels car insurance companies to levy higher charges to make ends meet, there are other determinants as well. Along with the extent of coverage, your driving record, and credit history, there are myriad other factors that dictate your insurance premiums.
Refer to the list below for an explanation of why car insurance is steep in Arlington, no matter your driving profile.
Besides your driving history and credit score, your location is one of the major factors that contribute to your insurance premiums, especially in Arlington.
But how does this relate to your driving? Well, it doesn't directly relate to your driving habits, but it does matter where you park your car at night. The level of crime or theft and the number of uninsured drivers are both different from one ZIP code to another. Certain parts of the city are more likely to experience criminal activity, which makes them riskier for insurance companies. Consequently, if you live (and drive) in a high-crime location, you will probably pay more for car insurance than someone who lives in a safer area.
Expensive Arlington ZIP codes: 76010, 76014, 76018, 76011, 76119
Cheap Arlington ZIP codes: 76016, 76001, 76012, 76017, 76005
With Arlington's location near Dallas and Fort Worth, it experiences plenty of cars on the road at any given time. More drivers on the road naturally leads to more accidents, which means insurance companies have to prepare for higher risk in high-population areas. It's possible that you're an extremely cautious driver with an impeccable track record, but insurance rates are not always under our control. The risk that other drivers present has to be taken into consideration.
According to our data, almost 34% of Arlington's drivers are currently without insurance coverage. While this figure is not as high as some other Texas cities, it is still noteworthy. If you happen to get into an accident with an uninsured motorist, you could be responsible for the damages.
Texas experiences plenty of severe weather, and insurance companies have to take this risk into consideration. It's normal to see rates higher in areas that experience regular destruction from Mother Nature. Texas actually ranked #1 as the state with the most hail storms in 2022 as well as 160 tornadoes. To make sure your vehicle is protected from storm damage and natural disasters then comprehensive coverage is the way to go. Weather damage to a vehicle won't be covered if you only carry the minimum coverage, and with Arlington's risk for hail, severe thunderstorms, and tornadoes it's better to have your bases covered.
Bundling insurance policies in Arlington
There has been a recent increase in car insurance rates, but that doesn't mean you can't lower your costs. You can try bundling your home and car insurance policies to take advantage of potential savings. Many policyholders have been able to secure discounts that are as high as 10%, which makes this an appealing option for people who are on a tight budget.
If your home and auto policies are not bundled yet, you can easily inquire about it. And if you're in the market for a new insurance provider, take the time to explore bundling options that can make your coverage more affordable.
Cheapest car insurance companies for bundling home and auto insurance in Arlington, TX
Several factors contribute to determining insurance rates. Some of these are beyond your control, but you can still do certain things as a driver to help maintain affordable car insurance. We strongly recommend shopping around for auto insurance quotes to thoroughly compare your options and locate the most cost-effective rate.
By educating yourself and considering various car insurance providers, you can obtain the appropriate coverage for your needs and budget. It is a good idea to get quotes every six months, particularly when personal factors change, such as significant birthdays or credit improvements. Even though switching insurance companies may feel daunting, some providers are simply more expensive than others, so do not be hesitant to change.
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Frequently asked questions
How much is car insurance in Arlington?
Arlington residents pay an average of $1,035 for a six-month auto insurance policy, which is equivalent to $173 per month. This is notably more expensive than the averages for both the state of Texas and the whole country.
What is the cheapest car insurance in Arlington?
For those searching for the cheapest rates in Arlington, GEICO is the way to go. With an average of $785 for a six-month policy, they offer the most affordable rates among all carriers.
How much is car insurance in Arlington for teenagers?
Teenage drivers in Arlington need to pay about $3,116 for a six-month policy, or $519 per month. It's better to add them to a parent's policy because young drivers' insurance is so expensive.
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Recently answered questions about car insurance in Arlington from real Zebra customers
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.