The average cost of a full coverage car insurance policy in Arlington is $1,906 per year. Arlington drivers pay rates that are $88 more expensive than the statewide average in Texas of $1,818, but the price you pay could be more or less depending on your personal details. The Lonestar State has three of the most populous cities in the nation, which is one reason why car insurance costs so much.
If you need car insurance, the easiest way to find affordable coverage is by comparing quotes. Policygenius can help you see options from top companies so you can find the best coverage at a price that works for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Arlington, TX
If you own a car and want to drive it legally, then you’re going to need car insurance. But not all car insurance companies are the same, and prices can vary widely even for the same driver.
The table below shows the insurance companies with the cheapest average car insurance rates in Arlington.
Company | Average cost | JD Power Rating |
|---|---|---|
Farm Bureau | $94/month | -- |
State Farm | $98/month | 882 |
Redpoint County Mutual | $103/month | -- |
Germania Insurance | $121/month | -- |
USAA | $130/month | 890 |
Cheapest car insurance rates by ZIP code in Arlington, TX
Moving across town often means a change in ZIP code, and sometimes, higher car insurance rates. Insurance companies use location-specific statistics like stolen vehicle rates, the number of accidents, and access to secured parking when setting car insurance rates.
Your insurance will probably cost more if your new neighborhood has higher crime rates or busier streets. Below are car insurance rates by ZIP codes in Arlington.
ZIP code | Average cost |
|---|---|
76016 | $1,802 |
76012 | $1,828 |
76001 | $1,847 |
76017 | $1,851 |
76006 | $1,864 |
76013 | $1,874 |
76005 | $1,887 |
76015 | $1,905 |
76002 | $1,929 |
76019 | $1,933 |
Choosing the right car insurance company in Arlington, TX
Nobody likes shopping for car insurance, but if you want to drive on the road, then you have to have it. The best way to find the right coverage is to compare quotes from top companies — that way you can be sure you’re not overpaying for car insurance.
Policygenius can help you see options from top carriers and make sure you’re choosing the right coverage at the best price.
Car insurance rates for drivers with driving violations in Arlington, TX
Insurance companies use your driving history to establish rates, which means that the more tickets and accidents you have on your record, the more you’ll pay for car insurance.
Below are the cheapest average rates for drivers in Arlington with a speeding ticket or other moving violations on their driving record.
Violation | Farm Bureau | State Farm | Redpoint County Mutual | Germania Insurance | USAA |
|---|---|---|---|---|---|
At-fault accident | $1,930 | $1,413 | $1,233 | $1,941 | $2,537 |
Suspended license | $1,227 | $1,658 | $1,233 | $2,549 | $2,323 |
Open container | $2,358 | $1,803 | $1,233 | $1,550 | $1,887 |
Expired registration | $1,227 | $1,191 | $1,233 | $1,550 | $1,887 |
Driving without lights | $1,227 | $1,191 | $1,233 | $1,550 | $1,887 |
Running a red light | $1,227 | $1,191 | $1,233 | $1,550 | $1,887 |
Following too closely | $1,227 | $1,191 | $1,233 | $1,550 | $1,887 |
Hit and run | $1,227 | $1,903 | $1,233 | $3,158 | $2,507 |
Not-at-fault accident | $1,227 | $1,191 | $1,233 | $1,612 | $1,669 |
Passing a school bus | $1,227 | $1,191 | $1,233 | $1,550 | $1,887 |
Reckless driving | $1,227 | $1,903 | $1,233 | $3,158 | $2,507 |
Cheapest car insurance for drivers with a DUI in Arlington, TX
Company | Rates for drivers with DUIs |
|---|---|
Redpoint County Mutual | $1,233 |
State Farm | $1,903 |
Farm Bureau | $2,358 |
USAA | $2,507 |
Germania Insurance | $3,158 |
Cheapest car insurance for drivers with a speeding ticket in Arlington, TX
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,191 |
Farm Bureau | $1,227 |
Redpoint County Mutual | $1,233 |
Germania Insurance | $1,550 |
USAA | $1,887 |
Cheapest car insurance for drivers with bad credit in Arlington, TX
While some states have eliminated your credit score as a factor when deciding rates, Texas still allows insurance companies to use your credit score to set the price of your policy. Late payments on your credit cards and overdue utility bills can mean higher payments the next time you renew your car insurance policy.
Below are the cheapest average car insurance rates for Arlington drivers with bad credit.
Company | Rates for drivers with bad credit |
|---|---|
Redpoint County Mutual | $1,233 |
Farm Bureau | $2,823 |
Germania Insurance | $2,849 |
Auto Club | $2,867 |
Nationwide | $2,897 |
Buying car insurance in Arlington, TX
Texas state law says drivers must have the following minimum liability insurance requirements:
Bodily injury liability coverage per person: $30,000
Bodily injury liability coverage per accident: $60,000
Property damage liability coverage: $25,000
Insurance must be issued by a company licensed by the Texas Department of Insurance
Have continuous coverage on a vehicle even if it is inoperable or not being driven.
Texas is a fault state when it comes to car crashes. This means that if you cause an accident, your car insurance company is responsible for paying for any repairs or injury claims to the other driver.
Texas also follows a modified comparative fault rule when more than one party is to blame for a wreck. If the case goes to trial, a jury will award damages based on the degree of fault. If the jury finds you more than 50 percent responsible for the accident, you will not recover any damages due to the modified rule.
If you want to purchase more than just the state minimum requirements in Arlington, here are two options to consider:
Comprehensive insurance: This covers events like theft, vandalism, falling objects, and fire
Collision insurance: This typically pays for repairs to your vehicle if it’s in a collision with another car or object, regardless of who was at fault
How to get cheap car insurance in Arlington, TX
Many companies offer ways to save on car insurance. Here are some of the most common discounts available:
Safe driver discount - For drivers who maintain a good driving record or take a defensive driving course
Military discount - For active-duty service members and their families.
Good student discount - Many companies offer high school drivers a discount for maintaining a B average or better
Multi-Line discount - For bundling home and car insurance with the same company.
Not everyone will qualify for these discounts, so ask your provider what discounts apply to you.
Frequently asked questions
What is the cheapest car insurance in Arlington, Texas?
Texas Farm Bureau offers the cheapest car insurance to most people in Arlington, Texas. Drivers in Arlington may also get affordable coverage from State Farm or Germania Insurance.
How much is car insurance per month in Arlington, Texas?
The monthly cost of car insurance in Arlington, Texas, is $159, or $1,906 per year. This makes insurance in Arlington slightly more expensive than average in Texas.
What is the minimum car insurance required in Arlington, Texas?
Drivers in Arlington must carry at least $30,000 of bodily injury liability coverage per person, $60,000 per accident, and $25,000 of property damage liability coverage.
What are the penalties for driving without insurance in Arlington, Texas?
If you're caught driving without car insurance in Arlington, you could face fines, a suspended license, and have to pay a reinstatement fee in order to restore your license. You'd also have to pay more for car insurance.
