The best car insurance in Arlington, TX

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 2, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and how we make money.

The average cost of a full coverage car insurance policy in Arlington is $1,926 per year. Arlington drivers pay rates comparable to the Texas state average of $1,840, 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.

Ready to shop car insurance?

Start calculator

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.

Key Takeaways

  • Texas Farm Bureau Insurance has the lowest average rates in Arlington at $1,121 per year for full coverage

  • Arlington drivers insured with Texas Farm Bureau Insurance convicted of a DUI can expect to pay $3,600 more per year for car insurance

  • The Texas minimum car insurance requirements are $30,000 per person/$60,000 per accident in bodily injury liability and $25,000 in property damage liability per accident

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

Texas Farm Bureau

$1,121

--

State Farm

$1,262

881

Germania Insurance

$1,340

--

GEICO

$1,568

871

USAA

$1,577

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

76001

$1,870

76002

$1,950

76005

$1,912

76006

$1,889

76010

$2,037

76011

$1,958

76012

$1,854

76013

$1,893

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

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

USAA

At-fault Accident

$1,921

$1,527

$1,807

$2,477

$2,537

DUI

$4,734

$2,082

$2,974

$2,739

$2,507

Driving with a suspended license

$1,958

$1,805

$2,390

$2,739

$2,323

Driving with an open container

$4,734

$1,972

$1,432

$2,739

$1,887

Driving with expired registration

$1,221

$1,279

$1,432

$1,863

$1,887

Driving without Lights

$1,221

$1,279

$1,432

$1,863

$1,887

Failure to show documents

$1,221

$1,279

$1,432

$1,863

$1,887

Failure to stop at a red light

$1,221

$1,279

$1,432

$1,863

$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

$2,268

State Farm

$2,625

Germania Insurance

$2,635

Auto Club Group

$2,751

Nationwide

$2,789

Ready to shop car insurance?

Start calculator

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

I’m turning 21. Will my rates change?

Car insurance rates for young drivers typically don’t decrease significantly until drivers turn 25. Maintaining a clean driving record is one way to reduce costs and to make sure you won’t continue to pay higher rates.

I got a ticket for running a stop sign. Does that affect my rates?

Usually, a minor infraction like running a stop sign won’t have that much of an impact on your rates, but multiple tickets in a short time could see your rates increase.

I was late on my rent for a few months. Does that matter?

If your landlord reports your late payments to the credit bureaus, it could affect your rates. Pay your bills on time and pay down debt whenever you can in order to keep your credit score in good shape.

Methodology

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.