120+ more*Quotes generated for Insurify users in and around Arlington, Texas within the last 10 days. Last updated on June 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Arlington, Texas within the last 10 days. Last updated on June 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Drivers in Arlington, Texas, spend an average of $117 per month for state-minimum coverage and $210 for full coverage.
Arlington has some of the cheapest car insurance rates in Texas compared to larger cities like Dallas. But rates in the city run higher than in nearby suburbs like Grapevine and Southlake, where traffic volume is lower.
Arlington residents commute about 26 minutes on average, according to the U.S. Census Bureau, often encountering dense traffic around the Entertainment District and major highways like I-20 and I-30.[1]
Liability rates start as low as $45 per month
The average rate for Arlington liability insurance is $117 per month, slightly higher than the Texas average of $110.
Drivers must follow Texas car insurance requirements, including at least $30,000 in bodily injury liability coverage per person and $60,000 per accident, along with $25,000 in property damage liability coverage.[2]
These requirements are higher than those in many other states, but they may not fully protect you financially if you cause an accident. You may want to add optional protections, such as personal injury protection or medical payments coverage, to help cover medical expenses after a crash.
Below are quotes for cheap liability car insurance in Arlington, with the most affordable rates from State Farm, Allstate, and Progressive.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $45 |
| Allstate | $63 |
| Mile Auto | $65 |
| Progressive | $65 |
| GEICO | $73 |
| USAA | $80 |
| Mercury | $89 |
| First Acceptance | $91 |
| The General | $94 |
| Alinsco | $95 |
| Lone Star | $99 |
| Nationwide | $101 |
| Commonwealth Casualty | $102 |
| GAINSCO | $102 |
| Bristol West | $105 |
| Clearcover | $105 |
| Dairyland | $106 |
| Root | $106 |
| Covercube | $108 |
| Mendota | $110 |
| AssuranceAmerica | $111 |
| Excepsure | $115 |
| Sun Coast | $116 |
| Safeco | $118 |
| Direct Auto | $119 |
| National General | $120 |
| Loop | $125 |
| Elephant | $126 |
| Chubb | $137 |
| Trexis One | $142 |
| 21st Century | $158 |
| Insurify Car | $162 |
| Hugo | $163 |
| Liberty Mutual | $192 |
Extreme weather, including tornadoes, floods, high winds, and hail, may make it prudent to purchase full-coverage insurance, which includes comprehensive coverage for natural disasters.[3]
Full-coverage car insurance in Arlington averages $210 monthly — slightly above other Texas cities. The table below shows cheap full-coverage car insurance in Arlington, with State Farm offering some of the lowest rates.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $88 |
| Progressive | $121 |
| Allstate | $125 |
| Mercury | $143 |
| Mile Auto | $144 |
| GEICO | $153 |
| USAA | $158 |
| Root | $174 |
| Safeco | $175 |
| Clearcover | $183 |
| Alinsco | $187 |
| Direct Auto | $187 |
| Elephant | $194 |
| GAINSCO | $195 |
| Nationwide | $198 |
| National General | $199 |
| Bristol West | $202 |
| AssuranceAmerica | $207 |
| The General | $210 |
| Mendota | $214 |
| Commonwealth Casualty | $222 |
| First Acceptance | $224 |
| Loop | $228 |
| Sun Coast | $230 |
| Lone Star | $231 |
| Covercube | $247 |
| Dairyland | $254 |
| Chubb | $267 |
| Liberty Mutual | $280 |
| Trexis One | $293 |
| 21st Century | $308 |
Auto insurance in Arlington is slightly more expensive than in other Texas cities. Higher population density and traffic congestion can increase accident risk compared with smaller nearby communities, such as Cleburne and Corsicana.[4]
Still, rates are often lower than in larger metro areas like Dallas and Houston. Arlington has a population of about 400,000 residents, according to the U.S. Census Bureau, compared with roughly 1.3 million in Dallas and almost 2.4 million in Houston. Larger cities often experience more traffic and car crashes, which can increase rates.
You can compare average monthly premiums across popular Texas cities below.
City | Average Monthly Quote |
|---|---|
| Abilene | $130 |
| Amarillo | $151 |
| Arlington | $164 |
| Austin | $164 |
| Beaumont | $173 |
| Brownsville | $161 |
| Corpus Christi | $164 |
| Dallas | $179 |
| Denton | $153 |
| El Paso | $139 |
| Fort Worth | $157 |
| Galveston | $163 |
| Garland | $180 |
| Grand Prairie | $168 |
| Houston | $212 |
| Huntsville | $153 |
| Irving | $168 |
| Killeen | $145 |
| Laredo | $153 |
| Lubbock | $146 |
| McAllen | $171 |
| Mesquite | $179 |
| Midland | $147 |
| Odessa | $162 |
| Plano | $158 |
| San Antonio | $166 |
| San Marcos | $151 |
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A few factors contribute to Arlington’s car insurance rates being higher than the Texas average. The city experiences severe North Texas storms, heavy traffic, and dangerous driving behaviors, especially speeding, which can increase insurers’ claim risk.[5]
Vehicle theft can also affect premiums. The Dallas-Fort Worth-Arlington metro area ranked sixth in the country for vehicle theft in the first half of 2025, according to Insurify data, which can push rates higher for Arlington drivers.
*Quotes generated for Insurify users in and around Arlington, Texas within the last 10 days. Last updated on June 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Arlington, Texas within the last 10 days. Last updated on June 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record, including any tickets or accidents, can affect how much you pay for car insurance in Texas. Generally, high-risk drivers pay the highest rates. The table below compares cheap car insurance quotes in Arlington for different driver profiles.
Cheapest car insurance for Arlington drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Arlington: State Farm
Cheapest car insurance for Arlington drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a driving under the influence (DUI) conviction in Arlington: State Farm
About 3% of Arlington drivers have a ticket on their record, and 4% have an at-fault accident, according to Insurify data. Because Texas car accident laws follow an at-fault system, the driver who causes a crash is financially responsible for damages. Arlington drivers with a DUI may also face higher rates.
The table below compares the average monthly quote for Arlington car insurance based on driving record:
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $164 |
| Speeding ticket | $206 |
| At-fault accident | $218 |
| DUI | $228 |
Arlington drivers should watch for several local road conditions that can affect their daily travel. Parts of the city, including near AT&T Stadium, fall within Special Flood Hazard Areas. The City of Arlington warns drivers that floodwaters could sweep vehicles from roadways.[6]
Road conditions can also affect driving. The city reported repairing more than 5,700 potholes in 2025, which can damage vehicles and increase the risk of accidents.[7] Collision coverage may pay for damages from hitting a pothole.
Texas drivers also share the road with uninsured drivers. The Texas Department of Motor Vehicles estimates that about 20% of drivers in the state lack insurance.[8] Without uninsured motorist coverage, you may have to pay for damages out of pocket after a crash with a driver who has no insurance.
Large events can also affect traffic and parking near AT&T Stadium. During Cowboys home games and other events, Arlington may enforce temporary residential parking restrictions near the Entertainment District.
Arlington drivers often navigate congestion around the city’s Entertainment District — especially during games or concerts at AT&T Stadium, which holds up to 100,000 fans.
Major roads like Interstate 20, Interstate 30, Highway 287, and State Highway 360 carry much of the city’s traffic. Daily commutes average about 26 minutes, according to the U.S. Census Bureau.
The City of Arlington reports 70% of fatal and severe crashes happen on just 6% of its roadways, which could increase insurers’ risk exposure.[9]
Drivers between ages 15 and 19 were involved in about 8% of crashes statewide in 2024, Texas Department of Transportation crash data shows.[10]
Teen drivers in Arlington pay monthly averages of $229 for liability coverage and $410 for full coverage.
You can compare cheap car insurance quotes in Arlington for teens below.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $90 |
| Progressive | $127 |
| Allstate | $129 |
| GEICO | $137 |
| Mile Auto | $138 |
| USAA | $153 |
| Root | $167 |
| Mercury | $169 |
| The General | $176 |
| First Acceptance | $178 |
| Clearcover | $180 |
| Alinsco | $186 |
| GAINSCO | $188 |
| Dairyland | $192 |
| Bristol West | $193 |
| Lone Star | $193 |
| Commonwealth Casualty | $198 |
| Nationwide | $204 |
| Covercube | $211 |
| Mendota | $215 |
| Excepsure | $225 |
| Sun Coast | $227 |
| Elephant | $234 |
| AssuranceAmerica | $237 |
| Direct Auto | $239 |
| Loop | $244 |
| National General | $248 |
| Safeco | $248 |
| Trexis One | $277 |
| Chubb | $291 |
| 21st Century | $294 |
| Hugo | $312 |
| Insurify Car | $316 |
| Liberty Mutual | $349 |
About 12% of Arlington’s population is 65 years or older, according to the U.S. Census Bureau. Senior Arlington drivers pay an average of $100 per month for a liability policy.
You can compare quotes for the most affordable car insurance in Arlington for seniors below.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $35 |
| Mile Auto | $51 |
| Allstate | $51 |
| Progressive | $55 |
| GEICO | $57 |
| USAA | $64 |
| Mercury | $70 |
| Nationwide | $77 |
| First Acceptance | $77 |
| The General | $80 |
| Alinsco | $81 |
| Commonwealth Casualty | $82 |
| Lone Star | $84 |
| AssuranceAmerica | $86 |
| GAINSCO | $87 |
| Bristol West | $87 |
| Dairyland | $89 |
| Covercube | $92 |
| Clearcover | $92 |
| National General | $94 |
| Mendota | $94 |
| Root | $97 |
| Direct Auto | $97 |
| Excepsure | $98 |
| Sun Coast | $99 |
| Elephant | $102 |
| Safeco | $102 |
| Chubb | $103 |
| Loop | $106 |
| Trexis One | $121 |
| 21st Century | $123 |
| Insurify Car | $138 |
| Hugo | $140 |
| Liberty Mutual | $158 |
Drivers shopping for cheap Arlington car insurance often have questions about costs, coverage, and ways to lower their premiums. The answers below explain what you should know to find the right coverage.
The average cost of liability car insurance in Arlington, Texas, is $117 per month — slightly above the Texas state average of $110 per month. Auto insurance rates may be cheaper in Arlington than in bigger cities like Dallas and Houston.
State Farm, Allstate, and Progressive offer some of the cheapest car insurance in Arlington. But premiums vary by location, driving history, and vehicle type, so the cheapest auto insurance company depends on your individual situation.
Progressive generally offers more affordable car insurance in Arlington than GEICO, though quotes can vary by driver. A Progressive liability policy in Texas averages $64 per month, while a liability policy with GEICO averages $70 per month. Ask your agent if you qualify for discounts on your auto insurance policy, which can lower your premiums.
To find the most affordable car insurance in Arlington, you should request an insurance quote from multiple companies. An insurance agent can help you find the best rate. You can also ask about discounts and raise your deductible to lower your monthly premiums.
Yes. Most companies provide auto insurance discounts in Texas. You might lower your rates by completing a defensive driving class, being a safe driver, or bundling your auto policy with other insurance products, such as renters or home insurance.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
7+ years in content creation and management
5+ years in insurance and personal finance content
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.