Cheapest Car Insurance Quotes In Arlington, TX For 2025

When looking for affordable car insurance in Arlington, TX, State Farm is a top choice with its competitive pricing. On average, drivers can expect to pay around $40 a month, well below the Texas average of $163.

For those interested in liability-only coverage, State Farm offers the lowest rates. For more extensive coverage, State Farm also provides the best full-coverage policies at $75 per month. Additionally, GAINSCO Auto Insurance is the most affordable option for young drivers, with rates starting at $80 per month.

How Much Is Car Insurance In Arlington, TX?

State Farm offers the most budget-friendly car insurance in Arlington, TX, with plans starting at $40 per month. This rate is significantly lower than the average premiums in both Texas and across the United States.

It’s essential to understand that the national average for car insurance takes into account a variety of states with differing rates, including expensive ones like New York, New Jersey, and California, as well as more affordable states like Mississippi, Kentucky, and Wyoming. Insurance costs can vary greatly depending on factors such as the type of vehicle, coverage level, location, driving history, and more.

Cheapest Car Insurance Rates In Arlington For Minimum Coverage

State Farm provides the most affordable minimum coverage car insurance in Arlington, with an average monthly premium of $40.

A minimum car insurance policy should include the following coverages:

• $30,000 for bodily injury per person
• $60,000 for bodily injury per accident
• $25,000 for property damage per accident

While minimum car insurance offers some protection, it does not cover collision or comprehensive damage. This means your own vehicle won’t be covered for accidents, theft, or natural disasters.

In Texas, driving without insurance is illegal. If you’re unable to show proof of insurance during a traffic stop, you could face penalties, including fines, license suspension, or more severe consequences.

Cheapest Car Insurance Rates In Arlington For Full Coverage

State Farm provides the lowest rates for full coverage car insurance in Arlington, with average monthly premiums around $75.

Full coverage car insurance offers broader protection than the basic coverage required by law. It usually includes both comprehensive and collision coverage.

Comprehensive coverage protects against non-collision events like theft, vandalism, or natural disasters, while collision coverage helps cover the cost of vehicle repairs after an accident, regardless of who’s at fault.

Cheapest Car Insurance Rates In Arlington For Teenagers

Teenagers in Arlington could get the lowest car insurance rates from Texas Farm Bureau, with average monthly costs of around $112.

Teenage drivers usually face the highest car insurance rates because of their inexperience. Insurance companies view them as high-risk, as data shows they are more prone to accidents and traffic violations.

Cheapest Car Insurance Rates In Arlington For Young Adults

Young adults in Arlington can find the most budget-friendly car insurance rates from GAINSCO Auto Insurance, with monthly premiums averaging about $80.

In Texas, young adult drivers typically pay lower car insurance rates than teenagers. As drivers get older, their habits improve, and they tend to take fewer risks.

Data shows that young adults are less likely to make insurance claims, suggesting they are involved in fewer accidents. This leads insurers to lower premiums, recognizing their better safety records and decreased chances of filing claims.

Cheapest Car Insurance Rates In Arlington For Seniors

State Farm provides the most budget-friendly car insurance for seniors in Arlington, with average monthly premiums of $58.

In Texas, many seniors can benefit from favorable car insurance rates, influenced by a range of factors. While age is often considered when determining insurance rates, it’s important to recognize that not all older drivers have reduced driving abilities, which challenges common stereotypes.

Cheapest Car Insurance Rates In Arlington For Good Drivers

Drivers with clean records in Arlington can get the best car insurance rates from State Farm, with premiums averaging about $40 per month.

In Arlington, drivers with clean driving records typically receive lower car insurance rates because they’re seen as less risky by insurers. Insurance companies use driving history to determine how safely a person drives. Fewer accidents or traffic violations suggest the driver is careful and unlikely to make a claim.

Rates are based on the likelihood of a claim being filed. A perfect driving record signals a lower risk, which leads to significant savings on premiums. Essentially, the cleaner the record, the lower the perceived risk, and the cheaper the insurance.

Cheapest Car Insurance Rates In Arlington For Drivers With Prior Incidents

In Arlington, drivers with traffic violations such as accidents, speeding tickets, or DUIs often struggle to find affordable car insurance. These infractions cause insurance companies to classify them as high-risk, expecting a higher chance of future claims.

As a result, insurers increase their rates for these drivers to account for the higher risk of potential claims. Raising rates helps insurance companies manage the financial risks tied to covering drivers with a history of traffic violations.

Cheapest Car Insurance Rates In Arlington For Drivers With A Speeding Ticket

State Farm is known for being more affordable than many other insurance providers, with average rates starting at just $55 per month.

Cheapest Car Insurance Rates In Arlington For Drivers With An At-Fault Accident

For drivers in Arlington with an at-fault incident on their record, State Farm offers the most affordable option, with average monthly rates of around $181.

Cheapest Car Insurance Rates In Arlington For Drivers After A DUI

For Arlington drivers with a DUI on their record, Progressive provides the most affordable rates, with average monthly premiums around $225.

Best Car Insurance Companies In Arlington

For drivers in Arlington, choosing the right car insurance involves finding a balance between cost-effective rates and reliable coverage. Here are the top 10 car insurance companies in Arlington, TX, ranked by their average monthly premiums.

Average Car Insurance Rates By Age In Arlington

Age is a key factor in determining car insurance rates. Younger drivers, particularly teenagers and young adults, tend to face higher premiums due to their inexperience and greater likelihood of accidents and traffic violations. However, once drivers reach 25, their rates typically start to decrease, provided they have a clean driving record.

Drivers in their 50s and early 60s usually receive the most affordable premiums. Insurance companies use age as an indicator of driving experience and risk, adjusting rates based on these factors.

Average Car Insurance Rates By Vehicle Type In Arlington

The car you drive plays a big role in determining your insurance costs. Insurance companies look at factors such as the make, model, year, and body style of your vehicle. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, come with higher premiums.

On the other hand, older cars or vehicles that are cheaper to repair or replace typically have lower insurance costs. Insurers consider these factors because they affect the potential cost of claims—for example, repairs for luxury cars are often more expensive than for standard models. Additionally, cars with strong safety features may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Texas?

Your location has a significant impact on your car insurance rates. Insurance companies take into account factors like the likelihood of accidents, theft, and vandalism, which are generally more common in urban areas. Due to the increased risk, insurance premiums in these areas tend to be higher.