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How much is car insurance in Arlington?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Arlington as it does in the rest of Texas.
On the other hand, when compared to the national average, the cost for auto insurance in Arlington is lower. The average monthly payment for the U.S. as a whole is about $12 more expensive than in Arlington.
Although these are the average monthly costs for an auto insurance policy in Arlington, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Arlington residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Arlington Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have behind the wheel, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates start to rise again once you hit retirement in Arlington.
Arlington Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Arlington, where male drivers pay about $5 more a month. As illustrated in the table above, male drivers in the area pay about $70 on average, while female drivers pay around $65 each month.
Arlington Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Arlington with a single accident on their record will usually see rates around $81 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $81.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Arlington Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$70|
|15 Years or Older||$63|
As you can see in the first table above, the cheapest vehicles to insure in Arlington are typically trucks and vans, which run about $60 per month.
SUV drivers will see rates of about $65 for insurance coverage, while car owners by and large pay around $70 per month.
Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Arlington, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Arlington Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Generally speaking, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Arlington is about $17 a month, with married couples paying less for coverage than single drivers.
Arlington Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Your living situation is another factor that affects your monthly rate. In Arlington, homeowners can expect to pay around $9 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Arlington, TX
Recent trends in car insurance for Arlington drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The cost of auto insurance in Arlington increased from 2017-2018, before leveling out in 2019. They had been increasing again, reaching a high of $79 in 2021, and finished down at $68 in 2022.
How does Arlington compare to neighboring areas?
Why are car insurance rates in Arlington different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Amount of drivers in the community
- Prevalence of crime
- Area laws
- Availability of off-street parking
- Road safety
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Arlington?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Arlington.
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Arlington Auto Insurance FAQs
What factors affect car insurance quotes in Arlington?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Arlington different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Arlington?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Arlington?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Arlington or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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