Find Auto Insurance in Arlington TX

What is the Average Cost of Car Insurance in Arlington?

Arlington has a population of 398,854 and is part of the Mid-Cities region of the Dallas–Fort Worth–Arlington area, which according to the Census Bureau has a population of 7,573,136. Arlington is the seventh largest city in Texas, and the metropolitan area is the largest in the state and the fourth largest in the country. It’s also home to the University of Texas at Arlington (UTA), which has an enrollment of slightly under 40,000 students each year.

The average household in Arlington owns two vehicles, and the average commute to work is 27 minutes. That means most people in the city spend an hour on the road going to and from work, and the one thing they all have in common is the need for vehicle insurance. While that may seem like a simple requirement, the fact is, buying car insurance can be quite confusing. It is important to have a basic grasp of the requirements and terms used in the insurance industry in order to understand what you’re purchasing and to compare policies and costs before choosing an auto insurance company to write your policy.

The following guide will give you a basic understanding of insurance requirements in Arlington, Texas as well as the companies that offer the lowest average policy rates in the area.

What Insurance Coverage is Needed for Drivers in Arlington

In Texas, the minimum amount of vehicle insurance required by law is at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and a minimum $25,000 coverage for property damage. In the insurance industry, this is referred to as 30/60/25 coverage and you can opt to purchase additional amounts on top of this minimum of liability. When you take into consideration the average hospital stay related to an auto accident is over $56,500 you can understand why some choose higher levels of coverage. Likewise, when you look at the cost to replace a new vehicle, $10,000 in property damage won’t go far.

You should also consider additional policy riders. An example is theft protection; according to the National Insurance Crime Bureau (NICB) in 2018 Arlington, Texas ranked number 83 nationwide in vehicle thefts with 23,261 stolen cars and trucks. Unless you purchase a theft rider on your policy, you will have no monetary recourse if your car is stolen and either remains unfound or is damaged or totaled in the process.

Cheap Car Insurance in Arlington by Insurer

Your car insurance rate will be determined by a number of personal facts such as sex, age, education, credit score, driving experience, and driving record. There are certain insurance companies which consistently offer lower rates than their competitors; note that your own rate will most likely be higher or lower depending on your personal information.

Compare the top auto insurance companies quotes by state.

Low Cost Auto Insurance for Bad Credit in Arlington

If your credit is less than stellar you can expect to pay higher rates. Luckily, some companies specialize in issuing policies for those with bad credit, as seen in the following chart. Again, your rates will depend on your personal information.

Find out how your car insurance rates are impacted with bad credit.

Differences Between the Two Main Coverages

What is Liability-Only?

Liability-only coverage is the cheapest option for automobile insurance. This coverage level only covers vehicles that are not at fault in an accident. Thus, if you carry liability-only coverage and cause an accident, the other driver will be covered by your policy. Any damage done to your car must be covered out of pocket, if at all.

What is Full Coverage Car Insurance?

Liability-only insurance is the least amount of insurance that one can purchase. This satisfies your legal requirement to drive and register your vehicle in {location-state}. For many people, this is not sufficient coverage because it does not cover their losses if they are at fault and do damage to their own vehicle or if they sustain damages in a hit-and-run or from an uninsured driver.

Collision covers when one is at fault and their own vehicle is damaged. If you have a car that is worth more than a few thousand dollars, it is often a wise investment to buy collision insurance each year. However, collision insurance coverage is pricey and will increase your insurance cost per year quite drastically.

Comprehensive covers those oddball things that happen that you cannot control, like damaged windshields and collision with animals on the road. It also covers your loss when someone purposely damages your vehicle in an act of vandalism. In addition, comprehensive covers theft of your vehicle, fire and weather, or acts of nature. An example of the latter would be if your car was crushed under a tree that fell in a wind storm.

Key Differences Between Full Coverage and Liability Only

The main difference between liability and full coverage insurance is that full coverage will cost more than liability insurance and this is because it protects you against many more possible risks that liability doesn’t cover.

In addition, liability insurance only covers other people’s injury claims and damages to other vehicles where full coverage will cover other’s injuries and vehicle damages as well as your injuries and damage to your own vehicle.

Corpus Christi

Amarillo

Killeen

Take Advantage of These Car Insurance Discounts

Find additional ways to save on your Arlington car insurance premiums with these insurance discounts:

Find ways to lower your auto insurance premiums here.

Reasons that Affect Your Automobile Insurance Rates in Arlington

There are many factors that affect your insurance rates, number one being your driving record and whether or not you have had previous accidents where you were at fault. Other things that can affect the amount you will have to pay for auto insurance are:

Learn how driving violations can affect your car insurance rates.

Check Out Car Insurance Companies in Arlington and Reviews

• AAA
• Allstate
• American Family
• Amica
• Costco

• Dairyland
• Esurance
• Farmers
• Geico
• Infinity

• Liberty Mutual
• Metromile
• Nationwide
• Progressive
• State Farm

• The General
• Titan
• Travelers
• USAA