Car Insurance in Arlington
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Understanding Car Insurance Costs in Arlington
Arlington, Texas, situated between Dallas and Fort Worth, is a growing city with over 400,000 residents. With busy roads and highways like I-20 and I-30, car insurance is essential for all Arlington drivers. This guide clearly explains car insurance coverage in Arlington and helps you find affordable options.
Car insurance in Arlington averages around $2,150 annually for full coverage. This cost is higher than the national average ($1,674) because of heavy traffic and frequent accidents in the Dallas-Fort Worth area.
Minimum Car Insurance Requirements in Arlington
Texas state law requires Arlington drivers to carry basic liability insurance coverage:
- $30,000 bodily injury per person
- $60,000 total bodily injury per accident
- $25,000 property damage per accident
This minimum coverage is known as the 30/60/25 rule.
Recommended Insurance Coverage for Arlington Drivers
Many drivers choose extra coverage for better protection:
| Coverage | What It Covers | Recommended For |
|---|---|---|
| Collision | Repairs after an accident | New or financed vehicles |
| Comprehensive | Theft, vandalism, natural events | Highly recommended |
| Uninsured Motorist | Covers accidents with uninsured drivers | Essential in Arlington |
| Personal Injury Protection (PIP) | Medical costs, lost wages after accidents | Recommended for all drivers |
Penalties for Driving Without Insurance in Arlington
Driving uninsured has serious consequences:
- First offense: $175-$350 fine plus extra fees
- Second offense: Fines up to $1,000, possible license suspension, and vehicle impoundment
- Accident without insurance: Heavy fines, potential jail time, and suspension of your driver’s license
Factors Affecting Car Insurance Rates in Arlington
Several factors influence your car insurance cost:
| Factor | Effect on Rates |
|---|---|
| Driving Record | Tickets or accidents raise your rates |
| Age & Experience | Young drivers pay higher rates |
| Annual Mileage | More miles mean higher premiums |
| Vehicle Type | Luxury or expensive cars cost more to insure |
| Location | Higher crime neighborhoods have increased rates |
| Coverage Level | More coverage means higher cost |
| Marital Status | Married individuals typically pay less |
| Safety Features | Cars with safety features receive discounts |
Average Cost of Car Insurance in Arlington
Here are average annual costs for Arlington drivers:
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $700 |
| Full Coverage | $2,150 |
Car Insurance Costs by Age in Arlington
Insurance costs differ by age:
| Age | Average Annual Cost |
|---|---|
| 16-20 | $5,500+ |
| 21-25 | $3,300 |
| 26-35 | $2,600 |
| 36-50 | $2,150 |
| 51+ | $1.900 |
Young drivers have higher premiums due to less driving experience.
Arlington vs. Other Texas Cities
Compare Arlington’s insurance rates to other Texas cities:
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Arlington | $700 | $2,150 |
| Houston | $750 | $2,400 |
| Dallas | $720 | $2,250 |
| Austin | $690 | $2,100 |
| San Antonio | $700 | $2,150 |
| Fort Worth | $710 | $2,200 |
| El Paso | $650 | $1,900 |
| Corpus Christi | $680 | $2,050 |
| Plano | $660 | $2,000 |
| Laredo | $640 | $1,850 |
| Garland | $670 | $2,000 |
Best Car Insurance Companies in Arlington
Top insurance providers serving Arlington drivers:
| Provider | Best For | Full Coverage Cost |
|---|---|---|
| GEICO | Cheapest rates overall | $2,000 |
| State Farm | Excellent customer service | $2,150 |
| Progressive | Ideal for high-risk drivers | $2,300 |
| Allstate | Comprehensive coverage options | $2,500 |
| Texas Farm Bureau | Local affordable coverage | $2,100 |
How to Save on Car Insurance in Arlington
Lower your insurance premiums with these simple tips:
- Claim Discounts: Safe driving, bundling home and auto insurance, low mileage, and defensive driving courses.
- Raise Deductible: Increasing your deductible from $500 to $1,000 significantly reduces your premiums.
- Compare Quotes: Regularly shop around for quotes from multiple insurance providers.
Get Your Free Car Insurance Quote in Arlington Today!
Finding affordable car insurance in Arlington is easy with AtoZ Insurances:
- ✅ Quickly compare quotes
- ✅ Get exclusive discounts
- ✅ Personalized coverage to match your needs
Click now to receive your free quote and start saving today!
Here Is A List Of Important FAQS
Texas requires coverage of 30/60/25 ($30,000 per person, $60,000 per accident, and $25,000 property damage).
GEICO usually offers the lowest rates, around $58 per month for minimum coverage.
Full coverage car insurance in Arlington averages about $2,150 per year.
Yes, discounts are available for safe drivers, multi-policy bundles, low mileage, and defensive driving courses.
Yes, Texas provides programs and discounts for low-income drivers.
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About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.
