Drivers in Arlington, Texas pay an average of $591 per year for minimum coverage and $1,915 for full coverage options. And although these rates are close to the national annual average of $565 and $1,674 respectively, the search for the best cheap car insurance in Arlington is important for scoring maximum coverage and savings options. Bankrate reviewed several carriers, including for customer service ratings, competitive rates and discounts, to find out which carrier offers the least expensive options while providing the most robust coverage.
Best car insurance companies in Arlington
|Insurance Company||J.D. Power Score (Texas Region)||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
|USAA||878 / 1,000||$453||$1,388|
|Geico||846 / 1,000||$449||$1,464|
|State Farm||844 / 1,000||$619||$1,510|
|Allstate||832 / 1,000||$603||$1,750|
*USAA is not eligible for official ranking with J.D. Power due to eligibility restrictions
USAA offers military servicemembers and veterans a large range of auto insurance options and discounts. Along with the standard policy options, roadside assistance and personal injury protection (PIP) coverage, USAA members enjoy various discounts. This includes military installation and discounts based on length of membership. And while USAA is excluded from J.D. Power’s rankings due to its limited customer base, it does have the highest rating for customer satisfaction in Texas, with a score of 848 out of 1,000.
Geico offers the standard auto insurance coverage you expect, but then offers options you may not find with other carriers. This includes mechanical breakdown coverage, which is similar to an extended car warranty and helps provide payment towards repairs with your vehicle. Potential discounts are numerous too, with savings ranging from multi-policy and multi-car, to safety equipment and defensive driving discounts.
State Farm, which is the largest auto insurer in the U.S., offers a wide range of coverage options, payment options and discounts for its customers. While customer service ratings are high, such as the 844 out of 1,000 with J.D. Power, the company’s financial strength is equally impressive. State Farm earns an A++ rating with AM Best and an AA rating with S&P Global.
Allstate not only scores high with Texans in the J.D. Power study, the carrier continues to offer a variety of ways to customize your auto insurance coverage. While you find the standard coverage options available, others include specialty coverages such as sound system insurance and coverage for teen drivers.
Cheapest car insurance in Arlington
The cheapest car insurance rates in Arlington are found by comparing a number of carriers. Rates in Arlington average $591 annually for minimum coverage and $1,915 for full coverage. These rates are slightly higher than average rates in Texas ($524 and $1,823 respectively), and also above average for the United States ($565 and $1,674 for minimum and full coverage).
Bankrate examined some of the largest carriers in the country to determine which offered the cheapest car insurance rates in Arlington. While Geico offered the least expensive rates for minimum coverage, the full coverage rates were slightly higher than what was found at Nationwide and USAA. State Farm, which offers a wide range of both coverage options and available discounts, offered more competitive rates for full coverage than the minimum.
|Insurance Company||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
Arlington insurance requirements
Texas law requires liability coverage of 30/60/25. This means drivers in Arlington are required to purchase at least:
- $30,000 of coverage for bodily injuries per person
- $60,000 of coverage for bodily injuries per accident
- $25,000 of coverage for property damage
While purchasing the minimum amount of coverage may be tempting in order to save on auto insurance premiums, doing so could leave you vulnerable to financial fiascos if you are involved in an accident. For instance, if you are involved in a multi-car accident with multiple injuries and it is ruled your fault, the $60,000 per accident could fall well short of the medical payments needed for numerous injuries.
Also, if you lease or finance your car, it is most likely the lienholder requires you to carry collision and comprehensive coverage, and possibly even gap insurance coverage.
Car insurance discounts in Arlington
Car insurance in Arlington is slightly more expensive than the national average, so it pays to review all available discounts so you get the best rates possible. Fortunately, there are numerous potential discounts available to drivers in Arlington, including:
- Safety equipment discounts: If your car is equipped with airbags, anti-lock brakes and you regularly use your seatbelt, you may be eligible for safety equipment discounts.
- Good student: Whether you are a college student or finishing up your high school education, if you make good grades you may be rewarded with a discount on your premiums.
- Policy bundling: If you already have a carrier you purchase renters or homeowners insurance through (or any other insurance product), inquire about bundling your other policies with your auto insurance coverage, and see how much you might be eligible to save.
- Paid-in-full: If you pay your semi-annual or annual premiums at once, instead of in monthly or quarterly installments, you may be eligible for additional savings.
Discounts are plentiful and only take a few minutes to review with a licensed insurance agent to ensure you are saving the maximum amount. While bundling has the potential to save quite a bit on your premiums, other methods are useful for savings too. If you work to improve your credit score it could have a positive impact on your quotes for car insurance in Arlington. You can also take on a higher deductible — your out of pocket costs if you have a collision or comprehensive claim — which lowers your premiums too.
Frequently asked questions
What is the best car insurance company?
The best car insurance company is the one that meets your budget and lifestyle needs, but there are a number of ways to determine which is best for you. Reviewing the company’s customer service ratings, sample quotes, discounts available and financial stability are helpful for determining this.
How much does car insurance in Arlington cost?
While the average cost of car insurance in Arlington is $591 for minimum coverage and $1,915 for full coverage, your rate can only be determined by going through the quote process with the carrier. Rates are based on a variety of personal factors, including age, gender, zip code, vehicle and miles driven, as well as your credit score.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.