Cheap Car Insurance in Arlington, TX

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Sep 13, 2021

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Are you wanting cheap auto insurance in Arlington, TX? can help you find what you need. All you need to do is input your postal code in the quote widget down below – it’s that easy!

Arlington lies about halfway between Dallas and the city of Ft. Worth. It is home to several sporting venues, including the Cowboys football stadium, the Texas Rangers, and the International Bowling Hall of Fame. In addition to professional sports, high school football is a very popular pastime in Arlington.

  • Fun Fact: Did you know that Arlington is the #1 largest US city without any form of public transportation? Read up on Arlington by visiting here.

Auto Insurance Coverage Requirements in Texas

Driving legally in Arlington requires:

Coverage Requirements Most Common
Bodily Injury Liability 30,000/60,000 30,000/60,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 2,500
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

It may seem inconvenient that Texas has higher Liability coverage minimums than other states. However that higher protection can save you from expensive financial obligations in the future. And should you ever enter into a significant accident and/or are hurt by an underinsured driver, this coverage can definitely prove useful.

Finding affordable insurance in Arlington might appear difficult, with the typical motorist having to pay $135 monthly for car insurance in Texas. But living in your area you can get rates as little as $88/mo*! We’ll gladly demonstrate ways to get the cheapest rate possible.

Basic vs. Comprehensive CoverageLegend: Basic Coverage Comprehensive Coverage Texas Farm Bureau State Farm Encompass Mercury Allstate 153045607590105120135150165$86$87$117$113$134$104$122$109$179$130


State Farm and the Texas Farm Bureau have several the cheapest rates in Arlington today. But don’t forget that there’s a lot more to car insurance than having to pay the cheapest premium. What for those who have a poor customer support experience, and have trouble filing claims since you opted for the least expensive provider? Make sure to consider these important components before you decide to switch companies.

Companies which offer insurance coverage consider numerous factors when establishing insurance quotes, among them marital status, driving violations, your credit report, miles driven each year, and theft protection devices. On top of that, premiums might alter from one company to another. To ensure that you are still getting the best cost, assess cheap Arlington automobile insurance quotes online.

Enter your ZIP code below to compare auto insurance rates.

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Major Car Insurance Factors in Arlington

Any time your motor vehicle insurance provider prepares to come up with your plan, they take numerous specifics under consideration. Some, like how old you are or maybe your specific region, usually are difficult to vary. Here are various other examples:

Your Zip Code

Where you park your vehicle every night will have a major influence on your automobile insurance rate. Generally, automobile insurance is less expensive in rural regions because a lower number of automobiles signifies a reduced possibility that you’re going to get in a accident with some other automobile. The populace of Arlington is 379,577 and the normal household income is $51,400.

Auto Insurance by Zip CodeLegend: San Antonio Fort Worth Dallas Austin Arlington Texas Farm Bureau State Farm Encompass Mercury Allstate 20406080100120140160$55$49$80$56$86$90$85$97$89$117$85$81$111$71$134$86$90$110$90$122$127$118$165$132$179


Automotive Accidents

You’d think that a more crowded city with more motorists – places like Chicago or Los Angeles – would have the highest fatal accident statistics, right? Well, the truth is that Texas is one of the deadliest states when it comes to automotive accidents. And this fact will make insurance providers charge much higher rates – unless you qualify for a safe driver discount, that is.

Fatal Accidents in Arlington, TXLegend: Arlington Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 5101520253035404524381027457


Auto Thefts in Arlington

Anti-theft technology tends to be a great way to guard yourself from auto thievery. They can be moderately inexpensive, simple to get put in, and once equipped, demand little effort from you. And best of all, many insurance agencies will provide you with a discount on your vehicle insurance just by having one! In Arlington, there were only 940 auto thefts in 2013. And though the treat of theft might be falling, you’ll still want some Comprehensive coverage for other reasons, like severe weather protection.

Basic vs. Comprehensive CoverageLegend: Basic Coverage Comprehensive Coverage Texas Farm Bureau State Farm Encompass Mercury Allstate 153045607590105120135150165$86$87$117$113$134$104$122$109$179$130


Your Credit Score

Check out the chart below. Motorists by having an excellent credit rating, typically, are having to pay under 1/2 of the other motorists pay every month. Actually, your credit rating is among the most critical factors which determines your monthly premium.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Texas Farm Bureau State Farm Encompass Mercury Allstate 50100150200250300$77$144$75$181$104$346$94$136$114Do Not Sell


Your Age

Looking for coverage for any youthful driver? Well, regrettably, you are fighting a constant fight. Due to their youth and insufficient driving experience, they’re much more prone to enter into any sort of accident. And average insurance costs for teenage motorists tend to be more costly due to it.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Texas Farm Bureau State Farm Encompass Mercury Allstate 50100150200250300350400450500550600$86$310$117$303$134Do Not Sell$122$637$179$476


Your Driving Record

Had a ticket or two in your record? Then you are most likely having to pay greater than you ought to be for automotive insurance. This is also true should there be providers in your area who offer Accident Forgiveness discount rates, even if your current insurer doesn’t.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Texas Farm Bureau State Farm Encompass Mercury Allstate 255075100125150175200$86$90$133$105$117$93$149$112$134$122Do Not Sell$173$122$120$132$169$179$134Do Not Sell$222


Your Vehicle

Luxury cars are not just costly on their own – they are also costly to insure. The reason behind it is because you have to purchase a more comprehensive policy, and you have to also purchase coverage in bigger amounts to be able to correctly safeguard your automobile.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Texas Farm Bureau State Farm Encompass Mercury Allstate 20406080100120140160180$86$118$117$152$134$159$122$190$179$191


Minor Car Insurance Factors in Arlington

Don’t be concerned, there are more factors you are able to adjust to modify your monthly premium:

Your Marital Status

Are you currently married? Do you and your partner bundle your insurance plans together? Otherwise, then you need to consider doing this, since you can acquire some serious discount rates this way. You may also bundle additional insurance plans in case your provider provides them with.

Your Gender

It could appear unlikely, but statistics reveal that there’s no significant risk between genders. Fortunately, insurance providers take these details and are beginning to charge women and men nearly equal rates.

Your Driving Distance to Work

Getting around in Arlington can be a little tricky. The average commute time for most drivers can last anywhere from 30-35 minutes, and nearly 80% of locals depend upon their own vehicle for transportation. This means you’ll be sharing the road with more cars (and raise your chances of getting into a wreck). Around 15% of motorists carpool.

Is the vehicle you drive registered for business? You very well may be having to pay an excessive amount of money to insure it. Business automobiles typically cost 10-12% more to insure than automobiles for private use. And driving less miles to school or work every year is only going to help you save around 3-4%.

Your Coverage and Deductibles

You will possibly not give your deductible much thought, however it may bring you huge savings every month knowing how to adjust it. The bigger your deductible is, the less you’ll pay every month. But simply bear in mind that, should you have to file claims, you will need to fork over that cash.

Education in Arlington, TX

Arlington is a very well-educated city; nearly 22% of the population has successfully earned a bachelor’s degree, while an additional 21% has completed all four years of high school and earned a diploma. And the more education you have, the better your car insurance rates will be!

There are several high-quality institutions for higher learning in Arlington, which may explain why its populace is so educated. The University of Texas has a campus in Arlington which is one of the largest public universities in the state. There is also the Arlington Baptist College for those who want a private option, as well as Tarrant County College.

You mustn’t allow an undesirable vehicle insurance provider persuade you into getting a vehicle insurance policy that is not right for you. Indeed, the quantity of information needed in order to determine your individual risk profile may be overpowering, but comparison web pages like this can help make things simpler. Simply just type in a few details below, and just allow us to do the rest.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Texas Department of Insurance

Finance Commission of Texas

Department of Highway Safety and Motor Vehicles

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