Car Insurance Arlington, TX

How Much Does Car Insurance Cost In Arlington?

Arlington drivers should budget an average of $2088 per year for annual auto insurance coverage.

Arlington Rates Vs Texas Vs United States Averages

Cheapest Car Insurance Companies in Arlington

According to our statistics for 2024, Nationwide provides Arlington with the most reasonably priced full-coverage auto insurance.

According to our 2024 data, Nationwide is the most affordable provider of auto insurance in Arlington, with premiums as low as $1656 per year. Arlington's rates are higher than the national average by $99 and the Texas state average ($1422) for the same period.

Arlington Auto Insurance Premiums By Age Group

Age is one of the key variables that affects auto insurance rates. Insurance companies can use data to identify the age group most likely to submit claims. Since teenage drivers are statistically the most likely to be involved in accidents, their rates are higher.

The cost of insurance for a young driver may surprise you, but bear in mind that insurance companies must balance the expense of making claims. In order to continue operating their business when accidents occur, they demand higher premiums for the riskiest drivers.

Cheapest Car Insurance in Arlington with a Violation

Most insurance claims relate to wrecks or incidents where someone was at fault. An at-fault accident in Arlington in 2024 resulted in a monthly increase that ranged from $43 to $103. The going rate for drivers who don't have any accidents is as much as 60% lower than this. If you are an at-fault driver and need insurance in Arlington, State Farm is the most affordable option.

The simplest method to keep your auto insurance costs reasonable, no matter where you live, is to drive a flawless record by avoiding tickets and collisions.

Rate increases may be the consequence of speeding tickets, reckless driving charges, DUIs and DWIs, and at-fault collisions. For a number of years, your premium will be impacted by the sort of citation or ticket.

While speeding citations and at-fault incidents often stay on your record for three to five years, DUIs and DWIs may have a longer-lasting impact.

Cheapest Car Insurance in Arlington based on Credit Score

Although it may not seem like it, your credit score and auto insurance prices are actually more closely associated than you may think. The majority of states, including Texas, include a person's credit score when determining their insurance price.

There are two reasons for this: studies have shown that those with poorer credit are more likely to file claims, are more likely to have gaps in their auto insurance, and are generally more careless drivers. Because of this, insurance companies have to take into account the statistical relationship between higher risk and lower credit scores when setting prices.

The impact of variances in credit scores on rates is a noteworthy observation. In Arlington, for example, drivers with bad credit (300–579) pay 107% more than those with good credit (800–850). This is a noteworthy distinction! Positively, according to our statistics, the majority of Arlington drivers have average credit scores (580–679). Texas Farm Bureau offers the cheapest premiums for drivers in this credit range.

What Would Increase Your Car Insurance Rate In Arlington?

There are multiple reasons why auto insurance in Arlington is so expensive. There are other factors as well, even if the high cost of living in the city forces auto insurance firms to raise their rates in order to stay afloat. Your insurance premiums are determined by other criteria in addition to the coverage amount, credit history, and driving record.

No matter your driving profile, the list below explains why Arlington auto insurance is expensive.

Your location is one of the main criteria that affects your insurance costs, especially in Arlington, aside from your driving record and credit score.

However, how does this apply to the way you drive? Where you park your car at night matters, even though it has nothing to do with your driving style. Each ZIP code has a varied rate of theft or crime as well as a variable percentage of drivers without insurance. For insurance firms, there are riskier areas in the city because of the higher likelihood of criminal activity. As a result, you will most likely pay more for auto insurance than someone who lives in a safer region if you drive and reside in a high-crime area.

Arlington has much traffic due to its proximity to Dallas and Fort Worth. Since more drivers on the road always result in more accidents, insurance firms must account for increased risk in densely populated areas. Even if you might be an exceptionally careful driver with a spotless record, we don't always have control over insurance premiums. It is necessary to evaluate the risk that other drivers pose.

Our data indicates that the current percentage of drivers in Arlington without insurance is close to 34%. Even while this percentage is lower than in some other Texas cities, it is still significant. Should an uninsured driver cause an accident with you, you can be held liable for the injuries.

Texas receives much extreme weather, so insurance firms have to account for this risk.

Rates are typically higher in places where Mother Nature regularly causes destruction. In 2022, Texas ranked first in the nation with 160 tornadoes and the highest number of hailstorms.

Comprehensive coverage is the best option if you want to ensure that your car is shielded against natural catastrophes and storm damage. Suppose you have the bare minimal coverage. In that case, weather-related damage to your car won't be covered. Because tornadoes, strong thunderstorms, and hail are common in Arlington, it's best to be safe.

Auto Theft Statistics In Arlington

Accidents Statistics In Arlington

Auto insurance in Arlington: Minimum insurance requirement in Texas

One little element that has a big impact on your auto insurance payment is the level of coverage you choose. When looking for new insurance, there are many options available, so it's important to take the time to consider your needs and make an informed decision. According to our research, 34% of drivers in Arlington have the bare minimum of insurance that the law requires. Although this satisfies Texas's technical criteria, it also raises your risk in the event of an accident.

Your rates will go up a lot if you decide to carry a comprehensive or collision policy (often called "full coverage"). However, you may have more options depending on how much of a deductible you have. Your rates will be lower if your deductible is bigger. You will pay a greater premium if you would rather have a lesser deductible.

Your insurance costs will change if you add uninsured motorists and roadside assistance to your policy. These characteristics may offer more comfort. When a driver has either insufficient or no insurance, uninsured motorist coverage comes in especially handy. These alternatives will raise your premiums, but they are still worthwhile to think about.

• Minimum: Exclusively state liability insurance
• Basic: Comprehensive (full) coverage, state liability, and collision insurance
• Better: 50/100/50 liability caps are preferable. Complete coverage with perks for car rentals and towing included. It may contain uninsured/underinsured motorist coverage as well as extra personal medical benefits.
• Best: 100/300/50 liability limits are the best. Complete coverage is provided, along with enhanced benefits for personal medical care, improved rental car and towing services, and more uninsured/underinsured coverage.

34% of our clients in Arlington choose the minimum amount of coverage. However, there might be better choices for some.

Although state minimum coverage is a cost-effective option, you still run the risk of being held liable for losses that are above your liability limits.

Texas's 30/60/25 liability limits indemnify you for up to $30,000 in physical injury per person, $60,000 in bodily injury per accident, and $25,000 in property damage. While this would be adequate for the majority of typical auto accidents, it might not be for claims involving several vehicles or serious injuries.

Useful Info For Driving in Arlington

Here's a breakdown of some helpful tips to keep your ride smooth:

Traffic Flow

• Generally Chill: Compared to bustling metropolises, Arlington traffic is known for being calmer. You can expect a relaxed pace during most hours.
• Rush Hour Heads-Up: Like most cities, mornings and evenings around rush hour (typically 7-9 am and 4-6 pm) can get busier, especially on major roads like I-40 (east-west) and Battleground Avenue (east-west). Adjust your commute times if possible.

Staying Safe

• Seatbelt Savvy: This one's a no-brainer! Virginia law requires everyone in the car to buckle up, so make it a habit for all passengers.
• Focus on the Road: Distracted driving is a major safety hazard. Put the phone away and avoid multitasking while behind the wheel.
• Speed Limits: Pay attention to posted speed limits. They can change frequently, so be mindful and adjust your speed accordingly.
• Watch out for Pedestrians and Cyclists: Arlington is pedestrian—and cyclist-friendly. Be extra cautious around crosswalks, intersections, and bike lanes.

Knowing the Roads

• Interstate Highways: For long-distance travel, you'll rely on I-40, which runs east-west, and I-85, which takes you north-south.
• Battleground Avenue: This major east-west road cuts through the heart of Arlington and connects many key areas.
• Keeping it Simple: Downtown Arlington has a grid system, making navigation easier, especially for new drivers.

Parking Tips

• Street Parking: Metered street parking is available downtown and in some neighborhoods. Follow the posted time limits to avoid tickets.
• Parking Decks: Multi-level parking decks are scattered throughout the city, offering convenient parking options, especially for longer stays.
• Read the Signs: Always pay attention to parking signs to avoid any unwanted surprises or tickets. Look for restrictions on time limits, permit requirements, and designated spots.

Bonus Tip

• Download a Navigation App: Using a GPS app like Waze or Google Maps can help you navigate unfamiliar areas and find real-time traffic updates.

By following these simple tips and staying alert, you can ensure a safe and enjoyable driving experience in Arlington, Texas. Remember, courtesy and defensive driving go a long way in keeping the roads safe for everyone.

Car Insurance Companies in Arlington