Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Cheapest recent rates near Arlington, Texas
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $65/mo for full coverage in Arlington and other Texas cities.
*Quotes generated for Insurify users in and around Arlington, Texas within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. 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 July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Arlington can expect to pay an average of $255 per month for full-coverage auto insurance and $127 for liability-only coverage. Arlington’s rates are below the state average but higher than the national averages of $214 per month for full coverage and $105 for liability.
Arlington is the third-largest city in North Texas,[1] which could contribute to its higher-than-average insurance rates. Since the city doesn’t offer public transportation, residents can’t avoid driving.
Texas requires all drivers to carry a minimum amount of insurance, so it’s important to compare quotes from multiple companies to find the best rate on car insurance.
Quick Facts
State Farm, GEICO, and Allstate are the cheapest auto insurance companies for Arlington residents.
Arlington’s location between the large, bustling cities of Dallas and Fort Worth likely contributes to the city’s car insurance rates.
Police reported 6,321 accidents in Arlington in 2022, 26 of which were fatal, according to Texas Department of Transportation data.[2]
Best and cheapest car insurance companies in Arlington
The auto insurance company for you will depend on your individual situation and needs. Here are three of the best car insurance companies for Arlington drivers, the type of driver each one is best for, and their average quotes in Texas.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Quote: Full Coverage
Average Quote: Liability Only
Best for
State Farm
9.3
$65
$37
Young drivers
GEICO
9.0
$71
$40
Discounts
Mile Auto
7.5
$114
$55
Low-mileage drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$67/mo
Young drivers are statistically much more likely to get into accidents than more mature drivers. In 2022, drivers younger than 25 accounted for more than half of all the accidents that occurred in Arlington.[2] Accident frequency can drive up the insurance costs for drivers younger than 25.
State Farm offers numerous discounts for young drivers. Good students can earn a 25% discount on their auto insurance, and the savings will last until they turn 25. Teen drivers can also earn a discount for completing an approved driver’s education course.
Pros
High J.D. Power customer satisfaction rating in Texas
Offers rideshare insurance
Cons
Doesn’t offer gap insurance
Not usually the cheapest option for drivers with violations
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$41/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$73/mo
Arlington’s average monthly car insurance costs are higher than the national average. But you can save money on auto insurance by taking advantage of car insurance discounts. And GEICO offers more discounts than nearly any other insurance company.
For example, you can earn a discount for having certain safety features in your vehicle, like anti-lock brakes, airbags, and an anti-theft system. If you’ve remained accident-free for five years, you could save up to 22% on your auto insurance. And you may qualify for a discount based on where you work or certain memberships you belong to.
Pros
Good option for good drivers, seniors, and young drivers
Accident forgiveness available
Cons
Higher rates for drivers with DUIs
No rideshare insurance or new car replacement coverage available
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$57/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$118/mo
Since Arlington doesn’t offer a mass transit system, most residents will need to own a car to get around. But if you work from home and spend very little time driving or are a senior who drives less frequently, you may benefit from pay-per-mile insurance like Mile Auto.
Mile Auto says low-mileage drivers can save 30% to 40% on their current insurance rates. Drivers pay a base rate and a per-mile cost every month. And the company doesn’t require you to use a tracking device in your car, so it’s a good option for drivers who are concerned about privacy.
Pros
Low-mileage drivers could save money
Verify monthly miles driven with a picture of your odometer
Cons
No discounts or bundling available
Only sells full coverage — liability only isn’t available
They're good, it just takes a while for them to do anything.
Find Cheap Car Insurance in Arlington, Texas
Rates start at $38 for liability coverage
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How to get the cheapest car insurance in Arlington
The best way to keep your insurance costs low is by maintaining a good driving record. Here are five other things you can do to find cheap car insurance in Arlington:
Choose a higher deductible. When you file a claim with your auto insurance company, you’ll pay an out-of-pocket deductible before your comprehensive and collision coverages kicks in.Choosing a higher full-coverage deductiblewill help you save money on your monthly premiums. Just be sure you can cover out-of-pocket costs if your vehicle is damaged.
Get a liability-only policy. If you drive an older vehicle that’s paid off, it may make sense to drop your coverage to a liability-only policy. It’s a good idea to check Kelley Blue Book to see what your car is currently worth.
Bundle your policies. Most insurers give you a discount for purchasing multiple insurance policies from them. For example, you could earn a discount forbundling your auto insurance and home insurancetogether.
Maintain a good credit score. Most insurance companies consider credit scores when reviewing you for car insurance. Maintaining good credit can help you keep your insurance costs low.
Shop around. You should receive quotes from at least three different companies before choosing an auto insurance policy. Every company has slightly different criteria they look at, so shopping around is the best way to find cheap car insurance.
Cheapest liability-only car insurance in Arlington: State Farm
If you cause a car accident, liability-only insurance will pay for damages to the other driver’s vehicle. It’ll also cover medical costs if they or their passengers are injured in the accident. However, liability insurance won’t pay for your hospital bills or damages to your vehicle.
The cheapest insurer for liability-only car insurance in Arlington is State Farm, with a starting cost of $38 per month. The following table shows the cheapest liability-only policies for Arlington drivers.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$38
GEICO
$41
Allstate
$55
Mile Auto
$57
Hugo
$60
USAA
$68
Nationwide
$86
Mercury
$88
Safeco
$89
Midvale Home & Auto
$100
Progressive
$101
Dairyland
$107
Chubb
$117
Clearcover
$117
National General
$124
21st Century
$134
Elephant
$135
Direct Auto
$136
Commonwealth Casualty
$140
Liberty Mutual
$140
The General
$144
Bristol West
$155
GAINSCO
$163
State Auto
$179
AssuranceAmerica
$181
Infinity
$201
Hallmark
$202
Foremost
$227
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Arlington: State Farm
Full-coverage car insurance includes your state’s required amount of liability coverage, plus comprehensive and collision. Full coverage provides more robust protection than a liability-only policy.
Collision coverage can help pay to repair or replace your vehicle after an accident, no matter who caused the crash. It can also pay damages if you collide with an object other than a vehicle, such as a telephone pole or fence.
If an event other than a collision causes damage to your car — for example, vandalism or a fire — comprehensive coverage can help pay to repair or replace your car.
The cheapest insurer for full-coverage car insurance in Arlington is State Farm, with a cost of $67 per month. If you’re looking for affordable full-coverage auto insurance in Arlington, you might consider the following insurance companies.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$67
GEICO
$73
Allstate
$95
Mile Auto
$118
USAA
$120
Clearcover
$147
Mercury
$147
Hugo
$149
Nationwide
$171
Progressive
$178
Safeco
$179
Midvale Home & Auto
$185
Chubb
$203
Elephant
$228
21st Century
$235
AssuranceAmerica
$243
National General
$267
Direct Auto
$276
Dairyland
$279
Liberty Mutual
$287
The General
$306
Bristol West
$321
Infinity
$323
State Auto
$346
GAINSCO
$358
Commonwealth Casualty
$375
Foremost
$475
Hallmark
$477
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Arlington, Texas
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $65/mo for full coverage in Arlington and other Texas cities.
*Quotes generated for Insurify users in and around Arlington, Texas within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. 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 July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
Here are the minimum coverage requirements for car insurance, according to Texas state law:
Coverage
Minimum Requirements
Bodily injury liability
$30,000 per person / $60,000 per accident
Property damage liability
$25,000
For many drivers, liability-only insurance won’t be enough coverage, so here are some additional coverage options you can consider:
Collision coverage
Collision coverage pays to repair or replace your vehicle after a car accident.
Comprehensive coverage
Comprehensive insurance will pay to repair or replace your vehicle if it’s stolen or damaged by something other than a car accident.
Medical payments coverage
Medical payments coverage will cover your medical bills resulting from a car accident, or while walking or biking.
Personal injury protection (PIP) coverage
In addition to paying for your and your passengers’ medical bills,PIP coveragewill pay for any lost wages resulting from the accident.
Uninsured/underinsured motorist coverage
This coverage will kick in if you’re in an accident with an uninsured or underinsured motorist.
Cheapest car insurance for drivers with an incident
Drivers with a good driving record can expect to pay the lowest car insurance premiums. So if you have a history of speeding tickets, driving under the influence, and at-fault accidents, you can expect your insurance to go up. But by shopping around for different insurers, you may be able to save money on car insurance.
Overall, having an incident on your motor vehicle record in Arlington can push your monthly car insurance premium from $191 to $261.
Shop for Car Insurance in Arlington, TX
Rates start at $47 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Excessive speed plays a role in roughly 20% of fatal crashes, according to the National Highway Traffic Safety Administration (NHTSA). Because speeding often leads to accidents, receiving a ticket will cause your insurance rates to go up. And this violation can remain on your record for up to three years or more.
The cheapest insurer for drivers with a speeding ticket in Arlington is State Farm, with an average cost of $49 per month. Here’s what you can expect to pay for auto insurance with a speeding ticket compared to a clean driving record.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
$38
$49
GEICO
$41
$53
Allstate
$55
$71
Mile Auto
$57
$78
Hugo
$60
$82
USAA
$68
$88
Nationwide
$86
$113
Mercury
$88
$122
Safeco
$89
$117
Midvale Home & Auto
$100
$134
Progressive
$101
$131
Dairyland
$107
$139
Chubb
$117
$154
Clearcover
$117
$153
National General
$124
$160
21st Century
$134
$179
Elephant
$135
$192
Direct Auto
$136
$177
Commonwealth Casualty
$140
$199
Liberty Mutual
$140
$199
The General
$144
$189
Bristol West
$155
$200
GAINSCO
$163
$232
State Auto
$179
$252
AssuranceAmerica
$181
$239
Infinity
$201
$272
Hallmark
$202
$262
Foremost
$227
$323
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you’re found at fault for a car accident, your insurance premiums will likely increase. When you’re involved in a car accident, you have to file a claim with your insurance company. This makes you more expensive to insure, so you’ll have to pay higher monthly rates.
State Farm has the cheapest rates for Arlington drivers with at-fault accidents on their records — $52 per month for liability-only coverage. The data below illustrates how an at-fault accident affects the rates of Arlington drivers.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
$38
$52
GEICO
$41
$57
Allstate
$55
$76
Mile Auto
$57
$85
Hugo
$60
$81
USAA
$68
$94
Nationwide
$86
$120
Mercury
$88
$129
Safeco
$89
$120
Midvale Home & Auto
$100
$147
Progressive
$101
$142
Dairyland
$107
$148
Chubb
$117
$164
Clearcover
$117
$173
National General
$124
$173
21st Century
$134
$190
Elephant
$135
$184
Direct Auto
$136
$193
Commonwealth Casualty
$140
$191
Liberty Mutual
$140
$211
The General
$144
$204
Bristol West
$155
$213
GAINSCO
$163
$218
State Auto
$179
$272
AssuranceAmerica
$181
$251
Infinity
$201
$275
Hallmark
$202
$271
Foremost
$227
$342
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence of alcohol or drugs endangers lives, so it comes with harsh penalties. If you’re caught driving under the influence in Texas, you’ll receive a fine of up to $2,000. If you’re convicted, you could spend up to 180 days in jail and lose your driver’s license for up to a year.[3]
And if you have a DUI conviction, your insurance company could decide not to renew your policy. If it does keep you as a customer, you’ll pay much higher rates for car insurance.
A DUI can elevate your monthly insurance premium in Arlington from $191 to $331, on average. Drivers will find the cheapest rates after a DUI from State Farm, starting at $65 for minimum coverage. Here’s what you can expect to pay for insurance after a DUI:
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
$38
$65
GEICO
$41
$70
Allstate
$55
$94
Mile Auto
$57
$87
Hugo
$60
$91
USAA
$68
$116
Nationwide
$86
$147
Mercury
$88
$136
Safeco
$89
$152
Midvale Home & Auto
$100
$171
Progressive
$101
$172
Dairyland
$107
$183
Chubb
$117
$200
Clearcover
$117
$200
National General
$124
$212
21st Century
$134
$229
Elephant
$135
$231
Direct Auto
$136
$232
Commonwealth Casualty
$140
$239
Liberty Mutual
$140
$239
The General
$144
$246
Bristol West
$155
$265
GAINSCO
$163
$278
State Auto
$179
$306
AssuranceAmerica
$181
$309
Infinity
$201
$343
Hallmark
$202
$345
Foremost
$227
$388
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Most people will see their insurance rates decrease starting at age 25, but they’ll start to increase again around age 70. This is because accident frequency and severity increase for senior drivers.
In Arlington, car insurance for seniors costs an overall average of $139 per month. The cheapest monthly rate senior drivers will find in the city is $28 from State Farm. The table below shows the cheapest auto insurance companies for seniors in Arlington:
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
$28
$49
GEICO
$31
$55
Hugo
$40
$100
Mile Auto
$40
$84
Allstate
$42
$72
USAA
$51
$90
Nationwide
$60
$120
Mercury
$63
$105
Progressive
$68
$119
Safeco
$68
$138
Midvale Home & Auto
$72
$133
Chubb
$80
$139
Dairyland
$80
$209
Clearcover
$88
$111
National General
$91
$196
21st Century
$94
$164
Direct Auto
$99
$201
Elephant
$101
$170
Commonwealth Casualty
$104
$280
Liberty Mutual
$106
$217
The General
$110
$235
Bristol West
$117
$241
GAINSCO
$127
$279
AssuranceAmerica
$128
$172
State Auto
$128
$248
Infinity
$142
$228
Hallmark
$144
$341
Foremost
$167
$348
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenage drivers pay some of the highest rates for auto insurance due to their lack of experience behind the wheel and higher accident rates. Teen drivers between the ages of 16 and 19 have a fatal crash rate that’s nearly three times as high as drivers older than 20.[4]
Fortunately, young drivers have ways to save money on auto insurance. For example, you can stay on an insurance plan with your family, purchase a vehicle with a good safety rating, and qualify for a good student discount.
Teen car insurance costs Arlington drivers an overall average of $335 per month. But young drivers may find lower rates from State Farm, which has rates as low as $64 for liability-only coverage. Here are the cheapest coverage options for teenage drivers:
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
GEICO
$64
$114
State Farm
$64
$112
Allstate
$96
$165
Hugo
$103
$256
Mile Auto
$110
$227
USAA
$112
$197
Nationwide
$146
$290
Mercury
$158
$264
Midvale Home & Auto
$171
$316
Dairyland
$176
$460
Progressive
$180
$318
Safeco
$183
$367
Chubb
$215
$373
Elephant
$220
$372
21st Century
$222
$389
Clearcover
$225
$283
The General
$230
$488
National General
$237
$510
Commonwealth Casualty
$245
$655
Direct Auto
$245
$498
Liberty Mutual
$255
$522
Bristol West
$261
$540
GAINSCO
$286
$628
State Auto
$315
$608
AssuranceAmerica
$333
$447
Hallmark
$354
$835
Infinity
$365
$586
Foremost
$399
$835
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Car Insurance Rates in Arlington
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Arlington car insurance quotes by credit tier
Texas is one of many states that allow insurance companies to consider credit history when determining your auto insurance rates. Insurance companies use credit information to generate a credit-based insurance score intended to predict how likely you are to file a claim. Generally, people with good credit pay lower car insurance rates than people with poor credit do.
As you can see in the following chart, you’ll receive the lowest rates for insurance if you have excellent or good credit versus poor credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Arlington?
Arlington residents pay an overall average of $191 per month for car insurance, which is above the national average. However, it falls right in the middle when compared to other Texas cities. And it’s less expensive than cities like Beaumont, Dallas, and Plano.
More cities in Texas
Your location also influences your car insurance rates, and you could pay more or less for insurance depending on your ZIP code. Here’s how Arlington’s average monthly car insurance rates compare to other popular cities in Texas:
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Arlington car insurance FAQs
While Arlington car insurance is cheap compared to other locations in the Lone Star State and the overall Texas average, it still makes sense to look for the best deal you can find. To help you get started, here are some answers to commonly asked questions about Texas and Arlington car insurance.
How much is car insurance in Arlington, Texas?
On average, car insurance costs $255 per month for full coverage and $127 for liability-only insurance. But the premium you actually get will depend on many other factors besides location, including your driving history, age, gender, and credit.
Who has the cheapest car insurance in Arlington?
State Farm offers the lowest car insurance rates in Arlington, starting at $38 for liability-only coverage. Arlington drivers can also find cheap rates from GEICO and Allstate, which have liability rates as low as $41 and $55, respectively.
What are the best car insurance companies in Arlington?
Many top insurers offer coverage in Arlington, but State Farm, GEICO, and Mile Auto emerge as among the best car insurance companies for drivers. Both State Farm and GEICO have IQ Scores above four (out of a possible five) and strong ratings from AM Best and J.D. Power. Mile Auto’s pay-per-mile model is an especially good choice for Arlington drivers with shorter commutes, people who work from home, and seniors who don’t drive much.
How much is car insurance in Texas per month?
Because the state is exposed to several types of severe weather and has several large cities with significant traffic, car insurance rates in Texas tend to be higher than in other states — and higher than the national average overall. Full-coverage car insurance costs a monthly average of $250 for Texans, and liability-only insurance averages $119 per month.
What’s the bare-minimum insurance required in Texas?
Texans must carry at least $30,000 in bodily injury coverage per person, up to a total of $60,000 per accident, and $25,000 for property damage. Additionally, all car insurance policies in Texas include personal injury protection, but you can opt out of the coverage in writing.
Keep in mind that insurance professionals commonly recommend purchasing more than a state’s minimum required coverage amounts. Higher liability limits and full coverage offer greater financial protection. For example, if you cause an accident that leaves the other driver with $60,000 in medical bills that you’re responsible for, Texas minimum coverage will only pay half that amount. You’ll be on the hook for the other $30,000.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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