Cheap Auto Insurance in Arlington, Texas (2022)

State Farm has the cheapest car insurance in Arlington, at $118 per month for minimum coverage.

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For most drivers, State Farm offers the cheapest car insurance in Arlington for 2022, according to our survey of providers. State Farm’s average minimum-coverage car insurance rate in Arlington is $118 per month, while the company’s average full-coverage rate is $202 a month.

However, USAA may be an even better option if you’re a former or active military member — or an eligible family member. The average minimum-coverage rate for a USAA customer in Arlington is $61 a month, and the full-coverage rate is $118.

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Cheapest car insurance in Arlington

State Farm has the lowest minimum-coverage car insurance rates for most drivers in Arlington. The company charges an average of $1,415 annually, which breaks down to $118 per month.

For those who qualify, USAA may offer even cheaper auto insurance rates. Former and active military members, as well as eligible family members, can get an average rate of $737 per year, or $61 per month.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE IN ARLINGTON
Company Annual rate Monthly rate
USAA $737 $61
City Average $1,298 $108
State Farm $1,415 $118
Allstate $1,438 $120
GEICO $1,600 $133
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In Texas, a minimum-coverage car insurance policy must meet the state’s requirements for liability coverage. Those mandatory minimums include:

  • $30,000 for injuries to one person in an accident
  • $60,000 for injuries to more than one person in an accident
  • $25,000 for property damage

Cheapest full-coverage car insurance in Arlington

State Farm also offers the cheapest full-coverage car insurance for the majority of Arlington drivers. The company’s average monthly rate is $202, just above the citywide average of $200.

Meanwhile, USAA offers a rate of $118 per month, for those who qualify. Other cheap full-coverage car insurance options include GEICO and Allstate.

CHEAPEST FULL-COVERAGE CAR INSURANCE IN ARLINGTON
Company Annual rate Monthly rate
USAA $1,415 $118
City Average $2,396 $200
State Farm $2,427 $202
GEICO $2,662 $222
Allstate $3,079 $257
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A full-coverage car insurance typically includes collision and comprehensive coverage, in addition to meeting state liability requirements. Drivers can also add additional coverages for medical payments, towing and rental reimbursement.

While no state requires full-coverage car insurance, some lenders and lessors do. Additionally, a full-coverage policy is often recommended for those with new or expensive vehicles.

Get cheap car insurance in Arlington, Texas

Cheapest car insurance for drivers with an accident history in Arlington

The cheapest full-coverage car insurance for most Arlington drivers with an accident history comes from State Farm. The company offers a monthly rate of $287 to drivers with one accident on their record.

In Arlington, an accident history raises the average car insurance rate by 51%, from $200 to $302.

CHEAPEST CAR INSURANCE FOR DRIVERS WITH AN ACCIDENT HISTORY
Company Annual rate Monthly rate
USAA $2,209 $184
State Farm $3,440 $287
GEICO $4,065 $339
Allstate $4,777 $398
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

USAA also offers a low full-coverage policy for drivers with an accident history, at a monthly rate of $184. Of course, only those who qualify can take advantage.

Cheapest car insurance for drivers with a DUI in Arlington

State Farm leads the way among car insurance for most drivers with a DUI in Arlington. Full-coverage rates for drivers with one DUI on their record cost an average of $376 per month, or $4,514 for the whole year.

USAA also offers low rates for military members and their families. The average rate for drivers with a DUI is $178 per month.

CHEAPEST CAR INSURANCE FOR DRIVERS WITH A DUI
Company Annual rate Monthly rate
USAA $2,140 $178
State Farm $4,514 $376
GEICO $4,574 $381
Allstate $4,636 $386
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

For drivers in Arlington, a DUI raises the average full-coverage car insurance rate by 66%, to a cost of $331 per month.

Cheapest car insurance for drivers with a speeding ticket in Arlington

The cheapest car insurance for most drivers with a speeding ticket on their record comes from Allstate. The company offers an annual rate of $3,079, or $257 per month.

State Farm trails just behind Allstate, with an average annual rate of $3,082. USAA offers lower rates for those who qualify.

A speeding ticket increases the average full-coverage policy by 15%, from $200 to $229.

CHEAPEST CAR INSURANCE FOR DRIVERS WITH A SPEEDING TICKET
Company Annual rate Monthly rate
USAA $1,598 $133
Allstate $3,079 $257
State Farm $3,082 $257
GEICO $3,227 $269
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teen drivers in Arlington

GEICO offers the most affordable car insurance for a majority of teen drivers in Arlington. The monthly minimum-coverage rate for an 18-year-old with a clean record is $264. That’s just below the citywide average of $286 per month.

USAA’s rates, for military members and their families, average out to $117 per month. Allstate, meanwhile, offers a monthly rate of $343.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR TEENS
Company Annual rate Monthly rate
USAA $1,402 $117
GEICO $3,168 $264
Allstate $4,117 $343
State Farm $5,050 $421
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for teen drivers in Arlington

The cheapest full-coverage rates for most teen drivers also comes from GEICO, which charges $466 a month for an 18-year-old with a clean record.

Arlington’s average rate for teen drivers is $553 a month, which is 177% more than the city’s full-coverage average overall.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR TEENS
Company Annual rate Monthly rate
USAA $2,692 $224
GEICO $5,594 $466
State Farm $8,721 $727
Allstate $9,519 $793
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Find cheap car insurance in Arlington no matter your age

Cheapest car insurance for senior drivers in Arlington

The majority of seniors will find the cheapest car insurance with State Farm. The company’s minimum-coverage rate is $112 per month — that’s for a 60-year-old with a clean driving record.

USAA offers even more competitive rates to senior drivers, for those who qualify. Policies cost an average of $58 per month, which is almost half the citywide average of $105. Allstate is another affordable option, with an average monthly rate of $115.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR SENIORS
Company Annual rate Monthly rate
USAA $701 $58
State Farm $1,341 $112
Allstate $1,382 $115
GEICO $1,604 $134
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for senior drivers in Arlington

State Farm also offers the cheapest full-coverage insurance for most senior drivers in Arlington. Rates average at $2,259 per year, or $188 per month.

The average full-coverage policy for a senior in Arlington costs $180 a month. That’s 10% less than the average for all drivers.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR SENIORS
Company Annual rate Monthly rate
USAA $1,270 $106
State Farm $2,259 $188
GEICO $2,529 $211
Allstate $2,603 $217
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Arlington car insurance requirements

Texas’s minimum car insurance requirement is known as 30/60/25 coverage. That’s because of the amounts required for three kinds of liability coverage:

  • $30,000: The amount required for injuries to one person in an accident
  • $60,000: The total amount required for all people injured in an accident
  • $25,000: The amount required for property damaged during the accident

There’s no set requirement for full-coverage car insurance in Arlington. That said, policies typically include collision and comprehensive coverage, and coverage for other potential costs like medical bills, towing, rental costs and uninsured drivers.

Frequently asked questions about Arlington car insurance

How much is car insurance in Arlington?

Minimum-coverage car insurance costs $1,298 a year, on average, in Arlington. Full-coverage car insurance costs an average of $2,396 a year.

Where can I get cheap car insurance in Arlington?

To find cheap car insurance in Arlington, get a quote from State Farm, which offers an average rate of $118 a month for a minimum-coverage policy. Compare quotes with USAA, too, if you qualify. It offers an average rate of $61 a month for minimum coverage.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Arlington ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

Minimum-coverage insurance rates are based on a policy meeting Texas’ minimum requirements for liability car insurance coverage.

Full-coverage policies meet the minimum requirements for liability coverage and include the following additional coverages, limits and deductibles:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 deductible for collision coverage
  • $500 deductible for comprehensive coverage

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