Best cheap car insurance in Arlington

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The county of Arlington saw 2,558 car accidents in 2019, nearly 30% of which ended up either in injury or fatality. This underscores the importance of finding the best car insurance Arlington has to offer so that you are prepared if the worst happens. The average rate for car insurance in Arlington is $507 per year for minimum coverage and $1,314 per year for full coverage, which includes the minimum liability plus collision and comprehensive coverage. The average premium for Virginia as a whole is $441 per year for minimum coverage and $1,304 for full coverage.

To find the cheapest car insurance in Arlington, Bankrate looked at companies with a wide range of optional coverages, good discounts and great customer service. We also reviewed each company’s ratings with consumer organizations like J.D. Power to see who stood out from the crowd.

Best car insurance companies in Arlington

Some of the five best car insurance companies for cheap rates in Arlington are Allstate, Geico, Progressive, State Farm and USAA. These companies provide affordable car insurance rates on average and offer excellent service, financial stability and extensive coverage options to customize your policy.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Allstate 876/1,000 $574 $1,579
Geico 871/1,000 $326 $1,049
Progressive 856/1,000 $406 $876
State Farm 881/1,000 $392 $994
USAA 890/1,000 $325 $917

Allstate

Allstate is a great option for Arlington drivers. In addition to basic coverage, it offers you the ability to add coverage for your sound system, rental reimbursement, roadside assistance and more. Drivewise, Allstate’s smart driving program, will reward you with discounts for good driving habits. You can also save with a handful of other discounts as well as accident forgiveness and a safe driving bonus if you are accident-free for six months.

Geico

Geico provides one of the cheapest average annual premiums for minimum coverage in Arlington, at $326 a year. Geico has a good reputation for customer service and ranks at the upper end of the 2020 J.D. Power Overall Customer Satisfaction survey in the Mid-Atlantic states. Because the company has more car insurance discounts than many providers, your rate with Geico could be even lower than the average.

Progressive

Progressive, at $876 per year for full coverage, provides one of the lowest average annual premiums for full coverage. Progressive also offers great coverage options for Arlington drivers. Its website features a unique Name Your Price tool that allows you to suggest how much you would like to pay before presenting coverage options that will fit your budget. Progressive has some great discounts, too, including several for teen and student drivers.

State Farm

State Farm is the largest auto insurance company in the U.S, with 16.1% of the market. Its prices were at the low end of all the companies Bankrate surveyed, and it scores above-average in the 2020 J.D. Power Auto Claims Study. It offers a number of discounts and has a website that features extensive tools and an educational blog. State Farm also has an A++ (Superior) ranking from AM Best, the highest possible ranking, which monitors financial stability.

USAA

USAA often receives high scores from consumer watchdog organizations, though it is technically unranked due to limited consumer eligibility. However, it has a stellar reputation for providing comprehensive auto insurance coverage at a great price point. The only catch is that USAA only provides insurance to military members, veterans and their families. If you fit that demographic, USAA should be your first stop when looking for the cheapest car insurance in Arlington.

USAA’s multiple discounts are geared toward military service members. For example, you can save up to 60% if you store your car while on active duty.

Cheapest car insurance in Arlington

Minimum coverage in Arlington is a bit more expensive on average at $507 annually compared to the Virginia average of $441. The national average is even higher: $563 per year for minimum coverage. Full coverage in Arlington is not far from the Virginia average, at $1,314 versus $1,304, respectively. The national average for full coverage is $1,674. It is worth noting that your own policy will likely vary from the averages as several variables, including the year of your car and your credit score, play a role in determining your rates.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $325 $917
Geico $326 $1,049
State Farm $392 $994
Progressive $406 $876
Travelers $420 $940

Each insurer’s available discounts will also impact your premium. Many of the common ones are easily earned, such a discount for paying online or one for bundling your auto and homeowners or renters insurance. All of the companies listed above have a range of discounts available to Arlington drivers, the ability to file claims online and average minimum coverage premiums under $500.

The takeaway? It pays to get several quotes from insurers before deciding. Just about every insurer offers free quotes, and many of them feature online tools that allow you to input your information and receive a quote in seconds. It is worth taking the time to review the websites and talk to agents if it nets you the best possible price for your car insurance.

Arlington insurance requirements

Almost every state in the U.S. requires car insurance for drivers to be legal in the state. These requirements are for liability insurance, which covers costs for the other driver and car if you cause an accident. In Virginia, the minimum liability is 25/50/20. What does this mean? Here is a breakdown of what you will need:

  • $25,000 of bodily injury liability: This means that if you cause an accident, your insurer will pay up to this amount for the injuries of a single person in the other car.
  • $50,000 bodily injury total liability: Your insurer will pay a total of up to this amount for all the injuries sustained by the driver and passengers in the other car if you are at fault in the accident.
  • $20,000 property damage liability: Your insurer will pay up to this amount for damage to the other driver’s car or other property, such as a fence or light post, in an accident where you are at fault.

In some cases, the minimum requirements may not be sufficient. For example, if you are leasing your car or have a car loan, you will most likely be required to carry collision and comprehensive coverage, which will pay for damages to your own car in a mishap.

You should consider purchasing more than the minimum liability. Consider, for example, that the average cost of a new car in the U.S. is more than $40,000. If you were to total a newer car in an at-fault accident and only carried the minimum coverage of $20,000, you would have to pay out-of-pocket for anything over that amount to satisfy the claim.

Car insurance discounts in Arlington

There are a number of discounts you may be eligible for when you are an Arlington driver. Here are some of the more common ones:

  • Multi-policy: You can earn a discount when you bundle your auto insurance along with your homeowners or renters insurance.
  • Safe driver: Insurers are increasingly offering telematics programs, which involve installing a small device in your car that monitors your braking, speed, and other driving factors. If you show that you are a good driver, you can save on your premium rate.
  • Good student: Many insurers offer discounts to students who earn a B or better average, or who go to school more than 100 miles away from home.
  • Anti-theft: If you have a security device or system in your car, you may save with some insurers.
  • Pay online: Signing up to pay your premium costs online rather than by mail may save a percentage of your premium cost.

Frequently asked questions

What is the best car insurance company?

There is no one company that offers the best rates for everyone. Your policy is customized to your own circumstances, so what might work best for your neighbor may not be the best option for you. Some of the companies that are currently writing the best insurance policies in Arlington, however, are featured on our Best Car Insurance Companies for 2021 listing.

How much does car insurance in Arlington cost?

The average cost of car insurance in Arlington is $507 for minimum coverage and $1,314 for full coverage. Your own premium costs will probably differ from this, since there are multiple factors that impact your premium, including the age and type of car you own, your own age and marital status, and your credit rating.

How much car insurance do I need in Arlington?

The minimum insurance you need in Virginia is 25/50/20 for bodily injury and property liability. If you have a car loan or lease, your lender may also require you to carry collision and comprehensive. If you can afford to do so, it is worth increasing your liability above the minimum to provide more robust coverage in the event of a serious accident.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.