Best Cheap Auto Insurance in Arlington, Virginia (2026)
Auto-Owners has the cheapest car insurance rates in Arlington, with liability-only policies starting at $55 per month.
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Updated
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Auto-Owners, State Farm, and USAA offer the cheapest car insurance rates in Arlington, where the average cost of a full-coverage policy is $175 per month. By comparison, the Virginia state average for full coverage is $184, and the national average is $183.
The number of Arlington residents relying on public transportation is likely a big factor in the city’s comparatively lower car insurance costs. While the mean commute time for Arlington residents is 28 minutes, a significant number of residents rely on the greater Washington, D.C., metro area’s robust public transportation system for their commutes.
If you live in Arlington, you may be able to get by without owning a car. But if you do have a vehicle, it makes sense to compare quotes from multiple insurers to get the cheapest and best coverage available to you.
Quick Facts
In 2021, a significant portion of non-remote employed Arlington residents primarily used public transportation to commute to work — which may partially account for low average car insurance rates in the city.[1]
Virginia state law allows insurers to consider your credit history when determining rates.
On average, Arlington residents pay $116 per month for liability-only car insurance.
Best car insurance companies in Arlington
Your specific auto coverage needs will influence what insurance option works best for you. However, to narrow your coverage options, you should also consider your budget, current rates, and available discounts. Insurers consider your driving record, credit history, marital status, age, past vehicle losses or claims, and more when determining your cost for auto insurance.
Find some of the best options in Arlington based on your driving profile, whether you value cheap rates or need coverage after an accident.
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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-owners | 8.2 | $105 | $55 | Cheap rates |
| State Farm | 9.3 | $107 | $57 | Drivers with an accident |
| GEICO | 9.2 | $178 | $103 | Young drivers |
Disclaimer: Table data sourced from real-time Arlington car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arlington 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 55,000 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.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $55/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. | $105/mo |
4.3
Best choiceBased on 329 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Founded in 1916, Auto-Owners has 48,000 licensed insurance agents selling coverage in 26 states. The company has some of the lowest average auto rates in Arlington by coverage level, driving history, and age. Auto-Owners also offers numerous discounts, including for multi-policy bundling and on-time payments.
Pros
Some of the cheapest auto rates in Arlington
Offers gap coverage and roadside assistance
Cons
Quotes not available online
Accident forgiveness not included with basic policy
Best insurer for drivers with an accident: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | 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. | $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. | $108/mo |
4.0
Best choiceBased on 17,156 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 36 Virginia reviews for Arlington driversSee all 7,399 State Farm reviews
Verified Review
Reviewed in Virginia on April 14, 2026
Rates go up no matter how long you have been with them or your driving record.
Verified Review
Reviewed in Virginia on April 11, 2026
Offhanded and more interested in cash than anything else. I drive 6,000 miles a year or less and get little discount.
Verified Review
Reviewed in Virginia on April 4, 2026
I never had a problem with them.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
The largest auto insurer in the country, State Farm sells a number of insurance products, including auto, home, renters, and life insurance. If you’re an Arlington driver with an accident or speeding ticket on your record, State Farm provides less expensive rates than the state average. This insurer also offers several discounts.
Pros
Vehicle safety discount available for Virginia drivers
Several coverage options, including rental car coverage and emergency roadside assistance
Cons
Gap insurance not available
Accident forgiveness not available
Best insurer for young drivers: GEICO
| User Reviews | 3.9 |
|---|---|
| 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. | 9.2 /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. | $102/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. | $177/mo |
3.9
A solid optionBased on 17,397 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 30 Virginia reviews for Arlington driversSee all 7,617 GEICO reviews
Verified Review
Reviewed in Virginia on April 3, 2026
Excellent care and coverage.
Verified Review
Reviewed in Virginia on March 28, 2026
I will be looking to change soon. GEICO is way too expensive.
Verified Review
Reviewed in Virginia on March 27, 2026
I haven't needed to make any claims yet, but they are better priced than most of the other companies.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Also one of the largest insurance companies in the U.S., GEICO has a reputation for customer satisfaction and offers a wide range of insurance products. GEICO offers teen drivers affordable coverage, and students can earn discounts for having good grades or completing an approved defensive driving course.
Pros
Personalized coverage options
Several discounts, including for good students
Cons
Gap coverage not available
Accident forgiveness not available
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How to get the cheapest car insurance in Arlington
A variety of factors like your age, driving history, ZIP code, and level of coverage influence how you can find the best rate for your car insurance policy in Arlington. Still, you can take specific steps to help lower your costs:
Maintain a clean driving record. Try to avoid violations like speeding tickets and at-fault accidents so you can obtain lower car insurance rates.
Improve your credit score. Car insurers in Virginia may use your credit score to determine risk factors and the likelihood that you’ll file an insurance claim. Having a good credit score can help you earn cheaper rates.
Ask for a discount. Insurers typically offer several types of discounts, including multi-policy and good driver discounts.
Shop around. Shop around and compare quotes from at least three different insurers. This will help ensure that you find the best price for your coverage needs.
“Sometimes comparing quotes by shopping around with an insurance agent can be helpful as well, since they work with a range of carriers and can obtain multiple personalized quotes in less time that are tailored to your coverage needs and budget,” says P.J. Miller, vice president of Wallace & Turner, Inc. insurance agency.
Cheapest liability-only car insurance in Arlington: Auto-Owners
Liability-only car insurance provides the least amount of coverage, which means it’s usually the cheapest option available to drivers. Liability insurance pays for damages to the other driver’s vehicle, as well as their medical expenses for bodily injury from an accident you cause.
It might make sense to purchase liability-only coverage if you drive an older vehicle and you can afford to pay for repairs out of pocket. This insurance protects the driver you have an accident with, but you may want more coverage depending on your situation.
On average, liability-only coverage costs $116 per month.
Here are some of the cheapest liability-only car insurance rates in Arlington.
The below rates in Arlington, VA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $55 |
| State Farm | $57 |
| USAA | $76 |
| CSAA | $82 |
| Chubb | $83 |
| Mercury | $86 |
| Erie | $87 |
| Elephant | $90 |
| Nationwide | $99 |
| GEICO | $102 |
| National General | $107 |
| Bristol West | $108 |
| Direct Auto | $116 |
| Progressive | $116 |
| Allstate | $119 |
| GAINSCO | $119 |
| Safeco | $125 |
| Dairyland | $140 |
| Liberty Mutual | $145 |
| Trexis | $147 |
| Root | $148 |
| AssuranceAmerica | $154 |
| The General | $154 |
| Travelers | $159 |
| Trexis One | $167 |
| Clearcover | $171 |
Disclaimer: Table data sourced from real-time Arlington car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arlington may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Arlington: Auto-Owners
Full-coverage insurance includes liability, collision, and comprehensive coverage — which extend coverage to your vehicle after an accident or noncollision incident. Your lender may require you to carry full-coverage insurance until you pay off your loan, if you have one.[2]
You may want full-coverage insurance for added protection if you have a new or expensive car. If you finance or lease your car, your lender or leasing company will also require you to carry full coverage. By paying a little more for your premium, you can protect yourself from paying an expensive repair bill if you ever need to file a claim.
Full-coverage insurance in Arlington averages around $175 per month. Here are some of the cheapest full-coverage car insurance rates in Arlington.
The below rates in Arlington, VA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $105 |
| State Farm | $108 |
| Elephant | $139 |
| CSAA | $140 |
| USAA | $145 |
| Progressive | $155 |
| Chubb | $158 |
| Mercury | $164 |
| Erie | $165 |
| GEICO | $177 |
| Safeco | $186 |
| Nationwide | $188 |
| Bristol West | $191 |
| National General | $199 |
| Direct Auto | $208 |
| Liberty Mutual | $208 |
| Allstate | $226 |
| Root | $228 |
| GAINSCO | $259 |
| AssuranceAmerica | $262 |
| Trexis | $284 |
| Travelers | $303 |
| Dairyland | $314 |
| Clearcover | $322 |
| The General | $340 |
| Trexis One | $361 |
Disclaimer: Table data sourced from real-time Arlington car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arlington may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Arlington, Virginia drivers
Drivers using Insurify have found quotes as cheap as $66/mo for liability only and $80/mo for full coverage in Arlington and other Virginia cities.
*Quotes generated for Insurify users in and around Arlington, Virginia within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Arlington, Virginia within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
Virginia, like most other states, requires drivers to have a minimum amount of coverage.
Virginia is increasing its minimum coverage requirements for policies effective on or after Jan. 1, 2025. Below, you can find the current car insurance requirements, along with the requirements that go into effect in 2025.[3]
Coverage Type | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | $50,000 per person / $100,000 per accident |
| Property damage liability | $20,000 per accident | $25,000 per accident |
Depending on your needs and situation, you may also want to consider getting optional insurance coverage, including:
Uninsured motorist
If you have an accident with an uninsured driver, this insurance can cover your vehicle damages and medical expenses.
Collision
This covers your vehicle damages following an accident, regardless of fault.
Comprehensive
When a non-collision incident causes vehicle damage, this kicks in. Comprehensive insurance covers damage from natural disasters, vandalism, fire, and more.
Roadside assistance
This coverage often provides access to towing, lockout service, tire change, jump-start, transportation assistance, gas delivery, and winching.
Cheapest car insurance for drivers with an incident
One of the biggest factors affecting your car insurance rates is your driving history. If you have an at-fault accident, speeding ticket, DUI, or another moving violation, your insurance rates will typically increase. The severity and frequency of incidents on your record can also influence how much you pay for coverage. Drivers with clean records tend to pay the lowest rates.
Find Cheap Car Insurance in Arlington
Rates start at $55/mo. for liability-only policies
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
If an officer gives you a ticket for speeding, it typically shows up on your driving record and affects your car insurance rates. On average, drivers with a speeding ticket in Arlington pay $177 per month for coverage.
Here are some average monthly quotes for insurers in Arlington if you have a speeding ticket on your record.
The below rates in Arlington, VA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $135 |
| State Farm | $135 |
| USAA | $185 |
| Erie | $215 |
| GEICO | $229 |
| Nationwide | $241 |
| Safeco | $241 |
Disclaimer: Table data sourced from real-time Arlington car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arlington may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
No one plans to have an accident, but the incident can stay on your driving record for three to five years if you’re at fault.[4] Arlington drivers who have an at-fault accident on their record pay $186 on average per month for insurance.
Here are some average monthly quotes from Arlington insurers for drivers with an at-fault accident on their record.
The below rates in Arlington, VA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $137 |
| State Farm | $141 |
| USAA | $192 |
| Erie | $217 |
| GEICO | $229 |
| Nationwide | $250 |
| Safeco | $256 |
Disclaimer: Table data sourced from real-time Arlington car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arlington may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence of alcohol is a serious offense that can stay on your driving record for several years in Virginia.[5] In Arlington, rates increase significantly if you have a DUI on your record. Drivers with a DUI pay on average $150 for liability coverage and $226 per month for full coverage.
Here are some of the cheapest car insurance rates for drivers in Arlington with a DUI.
The below rates in Arlington, VA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $143 |
| State Farm | $148 |
| USAA | $198 |
| Erie | $226 |
| GEICO | $240 |
| Nationwide | $257 |
| Safeco | $270 |
Disclaimer: Table data sourced from real-time Arlington car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arlington may vary based on the policy buyer's unique driver profile.
)
How Long Does a DUI Stay on Your Record?
April 16, 2026
Cheapest car insurance for seniors: Auto-Owners
Car insurance rates tend to decrease once you turn 25, but they can increase again once you enter your 70s. Insurers find that older drivers can face new driving challenges as they age, which increases risk levels. Many insurers slightly increase insurance rates for senior drivers.[6]
Maintaining a clean driving record, bundling with renters insurance or home insurance, and securing other discounts can help you keep earning lower rates.[7] And some insurance companies also provide usage-based coverage that works well for infrequent drivers.
Senior drivers in Arlington can find the cheapest liability coverage from Auto-Owners for $53 per month.
Here are some of the cheapest insurance quotes for seniors in Arlington.
The below rates in Arlington, VA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $67 |
| State Farm | $67 |
| USAA | $101 |
| Erie | $101 |
| Nationwide | $114 |
| GEICO | $116 |
| Safeco | $149 |
Disclaimer: Table data sourced from real-time Arlington car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arlington may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teenagers typically pay the highest car insurance rates. Younger drivers have less experience driving and are at higher risk of filing a claim. Drivers often see rates decrease once they turn 25, but you can find ways to save on insurance as a young driver.
Some insurers provide discounts to students for earning good grades or completing an approved driver safety course. Teens can also save by opting to stay on their parents’ insurance plan if it makes sense financially.
Teen drivers can find can find cheap liability-only insurance from Auto-Owners for $115 per month.
Find the cheapest rates for teens in Arlington below.
The below rates in Arlington, VA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $216 |
| Auto-Owners | $220 |
| USAA | $276 |
| Erie | $314 |
| GEICO | $330 |
| Nationwide | $378 |
| Safeco | $388 |
Disclaimer: Table data sourced from real-time Arlington car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arlington may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Arlington
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Arlington car insurance quotes by credit tier
Like many other states, Virginia allows insurers to consider your credit history when calculating insurance rates.[8] Insurers in Arlington can use your credit information to generate a credit-based insurance score that helps them estimate how likely you may be to file an insurance claim.
Having good or excellent credit can help you earn better rates for car insurance. Because insurers consider several other factors in addition to credit, you can still find affordable car insurance if you have bad credit.
Here are the average monthly quotes for Arlington based on your credit score tier.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $170 |
| Good | $201 |
| Fair | $221 |
| Poor | $342 |
Is car insurance more expensive in Arlington?
Arlington drivers pay a total average of $145 per month for car insurance, but liability coverage only costs $116 per month. The average cost of full-coverage insurance in Arlington is $175 per month, which is less expensive than the average rate in Virginia of $184 per month.
Virginia drivers can receive different rates, depending on their city and ZIP code. Drivers in larger cities with more traffic may see higher car insurance rates due to population density, more frequent accidents, and higher crime rates. Car insurance consumers in surrounding areas like Washington, D.C., typically pay higher rates due to location risk factors.
More cities in Virginia
Full-coverage car insurance in Arlington is less expensive than some other cities in Virginia. Cities where drivers don't have access to robust public transportation options will likely see higher insurance costs due to the greater number of vehicles on the roads, and increased risk of accidents.
Here’s how the average monthly full-coverage car insurance costs in other Virginia cities compare to Arlington.
City | Full Coverage | Liability Only |
|---|---|---|
| Alexandria | $214 | $132 |
| Charlottesville | $157 | $91 |
| Lynchburg | $160 | $98 |
| Newport News | $198 | $128 |
| Norfolk | $223 | $138 |
| Richmond | $212 | $142 |
| Virginia Beach | $184 | $120 |
Disclaimer: Table data is based on real-time Arlington quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Arlington car insurance FAQs
If you still have questions about finding affordable coverage in Arlington, the following information should help you navigate the process.
How much is car insurance in Arlington?
On average, Arlington drivers pay $175 per month for full-coverage car insurance. Liability coverage averages $116 per month. Ultimately, your insurance premium depends on your insurer, driving record, credit history, age, and more.
What are the best car insurance companies in Arlington?
With an IQ Score of 9.3 out of 10, an AM Best financial strength rating of A++ (Superior), and cheap average rates, State Farm is the best car insurance company in Arlington. Other top insurers offering quality coverage include GEICO, USAA, and Auto-Owners.
What company has the cheapest car insurance rates in Arlington?
Auto-Owners has the cheapest rates in Arlington, Insurify data shows. The company's lowest quote for liability-only coverage is currently around $55.
Arlington motorists can also find good prices from the city's second- and third-cheapest car insurers, State Farm and USAA. Their liability rates start at just $57 and $76, respectively.
How much car insurance do you need in Virginia?
Virginia drivers must purchase $50,000 per person and $100,000 per accident in bodily injury liability and $25,000 per person in property damage liability.
Is Virginia a no-fault state?
No. Virginia is an at-fault state. This means the insurer of an at-fault driver must cover the costs of an accident, including vehicle damage and medical expenses of the other driver and their passengers.
Sources
- Mobility Lab. "Data Tipsheet: 2021 Arlington Resident Travel Survey."
- National Association of Insurance Commissioners. "What You Should Know About Auto Insurance Coverage."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- Virginia Department of Motor Vehicles. "Four Point Violations."
- Virginia Department of Motor Vehicles. "Six Point Violations."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Commonwealth of Virginia State Corporation Commission. "Insurance Credit Scoring."
Methodology
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:
- 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
- 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.
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Written byChoncé Maddox
Choncé Maddox
7+ years writing insurance and personal finance content
Certified financial education instructor (CFEI)
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Shawn PowersVP of Insurance Sales at Insurify
Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
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