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Drivers in Arlington, Texas pay an average of $ 591 per year for minimum coverage and $ 1,915 for full coverage options. And while those rates are close to the national annual average of $ 565 and $ 1,674 respectively, finding the best cheap car insurance in Arlington is important for maximum coverage and savings options. Bankrate looked at several operators, including customer service ratings, competitive rates, and discounts, to determine which operator has the cheapest options while providing the strongest coverage.

Best Auto Insurance Companies in Arlington

* USAA is not eligible for official ranking with JD Power due to eligibility restrictions

United States

USAA offers military and veterans a wide range of auto insurance options and discounts. In addition to standard policy options, Roadside Assistance, and Injury Protection (PIP), USAA members enjoy various discounts. This includes military installation and discounts based on the length of membership. And while USAA is excluded from JD Power’s ranking due to its limited customer base, it has the highest rating for customer satisfaction in Texas, with a score of 848 out of 1,000.

Geico

Geico offers the standard auto insurance coverage you expect, but then offers options that you might not find with other carriers. This includes mechanical failure cover, which is similar to an auto warranty extension and helps pay for repairs to your vehicle. The potential discounts are also plentiful, with savings ranging from multiple policies and multi-cars to discounts on safety gear and defensive driving.

State farm

State Farm, which is the largest auto insurer in the United States, offers a wide range of coverage options, payment options and discounts to its customers. While customer service scores are high, like the 844 out of 1000 with JD Power, the financial solidity is equally impressive. State Farm obtains an A ++ rating with AM Best and an AA rating with S&P Global.

Allstate

Allstate not only gets high marks with Texans in the JD Power study, but 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 specialized coverages such as audio system insurance and coverage for teenage drivers.

The cheapest auto insurance in Arlington

The cheapest auto insurance rates in Arlington can be found by comparing a number of carriers. Rates in Arlington average $ 591 per year for minimum coverage and $ 1,915 for full coverage. These rates are slightly higher than the average rates in Texas ($ 524 and $ 1,823 respectively) and also higher than the US average ($ 565 and $ 1,674 for minimum and full coverage).

Bankrate looked at some of the largest carriers in the country to determine which offered the cheapest auto insurance rates in Arlington. While Geico offered the cheapest rates for minimum coverage, the full coverage rates were slightly higher than those found at Nationwide and USAA. State Farm, which has a wide range of coverage options and discounts available, offered more competitive rates for full coverage than the minimum.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $ 449 $ 1,464
At national scale $ 521 $ 1,369
United States $ 453 $ 1,388
State farm $ 619 $ 1,510
AmTrust Financial $ 517 $ 1,842

Insurance Requirements in Arlington

Texas law requires liability coverage from 30/60/25. This means that drivers in Arlington must purchase at least:

  • $ 30,000 personal injury coverage per person
  • $ 60,000 in accidental bodily injury coverage
  • $ 25,000 in coverage for property damage

While purchasing the minimum amount of coverage can be tempting in order to save on auto insurance premiums, it could put you at risk for financial fiascos if you are involved in an accident. For example, if you are in a multiple car accident with multiple injuries and it is found to be your fault, the $ 60,000 per accident could be well below the medical payments required for many injuries.

Also, if you are leasing or financing your car, chances are the lien holder will require you to purchase collision and comprehensive coverage, and maybe even gap insurance coverage.

Discounts on Auto Insurance in Arlington

Auto insurance in Arlington is slightly more expensive than the national average, so it’s worth reviewing all the discounts available to get the best possible rates. Fortunately, there are many potential discounts available for drivers in Arlington, including:

  • Discounts on safety equipment: If your car is equipped with airbags, anti-lock brakes, and you regularly use your seat belt, you may be eligible for discounts on safety equipment.
  • Good student: Whether you are a student or just finishing high school, if you get good grades you could be rewarded with a reduction on your premiums.
  • Policy bundle: If you already have an insurer with which you purchase tenant insurance or home insurance (or any other insurance product), find out about bundling your other policies with your auto insurance coverage and see how much you could save.
  • Fully paid: If you pay your semi-annual or annual premiums all at once, rather than in monthly or quarterly installments, you may be eligible for additional savings.

The discounts are plentiful and only take a few minutes to review with a licensed insurance agent to make sure you are saving the maximum amount. While bundling can potentially save you a lot of money on your premiums, there are other methods of saving money as well. If you are working to improve your credit score, it could have a positive impact on your Arlington auto insurance quotes. You can also purchase a higher deductible (your reimbursable costs in the event of a collision or global loss) which also reduces your premiums.

Frequently Asked Questions

What is the best auto insurance company?

The best auto insurance company is the one that meets your budget and lifestyle needs, but there are several ways you can determine which one is right for you. Examining the company’s customer service ratings, sample quotes, available discounts, and financial stability is helpful in determining this.

How much does car insurance cost in Arlington?

While the average cost of auto insurance in Arlington is $ 591 for minimum coverage and $ 1,915 for full coverage, your rate can only be determined through the quote process with the carrier. Rates are based on a variety of personal factors including age, gender, postal code, vehicle and kilometers driven, as well as your credit score.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record , good credit and the following comprehensive coverage limits:

  • $ 100,000 of civil liability for bodily injury per person
  • $ 300,000 liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

These are sample rates and should only be used for comparison purposes.

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