Car Insurance in Arlington
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Car Insurance in Arlington, TX
Sandwiched between Dallas and Fort Worth, Arlington is the seventh-largest city in Texas, with almost 400,000 residents. However, its proximity to both major metropolitan areas makes it seem much more crowded. Many residents live in Arlington to escape the hustle and bustle of Dallas and Fort Worth, commuting for work.
However, Arlington doesn't play second fiddle to either city. It stands in its own right as the site of Six Flags Over Texas. It's also home to major sports teams, including the Texas Rangers and Dallas Cowboys.
While there are no unique driving laws in Arlington, all drivers must abide by Texas driving rules. That means refraining from using your cell phone while behind the wheel and going the speed limit. Drivers must also have auto insurance with a minimum coverage of 30/60/25. However, your lender may require additional insurance if you finance your vehicle.
Insurers consider several factors when calculating your policy rates, including location and zip code. Use EverQuote to compare car insurance quotes in Arlington and find the best policy that suits your budget.
How much is car insurance in Arlington, TX?
The total cost of car insurance in Arlington can vary significantly depending on the coverage you select. For an overview, here are the average prices for the three most commonly chosen coverage options in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Arlington?
It is quite difficult to meaningfully assess and rank the cost of insuring every possible car make, model, and year combination in the city. But if you're curious about what newer models tend to be on the more affordable end for insurance, here are the top 10 cheapest car make and models to consider if you live in Arlington:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Honda Odyssey | $196 |
| 2 | Subaru Forester | $197 |
| 3 | Honda Cr-V | $198 |
| 4 | Toyota Corolla | $200 |
| 5 | Ford Fusion | $201 |
| 6 | Toyota Rav4 | $202 |
| 7 | Kia Sedona | $202 |
| 8 | Kia Sol | $202 |
| 9 | Toyota Tacoma | $204 |
| 10 | Ford F-150 | $210 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Whether you've experienced a minor fender bender, a major accident, received a few speeding tickets, been charged with a DUI, or been involved in a hit-and-run, these factors can all influence your insurance costs in the city. The following breakdown illustrates how rates adjust based on common claims and violations in Arlington, ranked from least to most significant:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $202 | 0% |
| Not at-fault Accident | $217 | +7% |
| Driving with expired registration | $233 | +15% |
| Speeding Ticket | $247 | +22% |
| DUI | $279 | +38% |
| Driving with a suspended license | $297 | +47% |
| Hit and Run | $304 | +50% |
| At-fault Accident | $328 | +62% |
What car insurance discounts can I get in Arlington?
There are a number of discounts that can help reduce your insurance expenses in Arlington. These include bundling multiple policies, paying in full upfront, opting for paperless transactions, and receiving renewal discounts for loyalty. The list below, ordered from the most significant to the least, highlights potential ways to save on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $178 | +$24 |
| Paid in Full | $191 | +$11 |
| Multi-Policy Renters | $194 | +$8 |
| Low Mileage | $194 | +$8 |
| Renewal discount | $195 | +$7 |
| Paperless | $199 | +$3 |
| Electronic Funds Transfer | $201 | +$1 |
| None | $202 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.