Cheapest Auto Insurance in Arlington, Texas (2025)
Arlington drivers can find the cheapest car insurance rates from State Farm. The insurer’s liability rates start at just $60 per month.
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Drivers in Arlington can expect to pay an average of $231 per month for full-coverage auto insurance and $131 for liability-only coverage. Arlington’s rates are below the state average but higher than the national averages of $182 per month for full coverage and $103 for liability.
Arlington is the third-largest city in North Texas,1 which could contribute to its higher-than-average insurance rates. Since the city doesn’t offer public transportation, residents can’t avoid driving.
Texas requires all drivers to carry a minimum amount of insurance, so it’s important to compare quotes from multiple companies to find the best rate on car insurance.
Best and cheapest car insurance companies in Arlington
The auto insurance company for you will depend on your individual situation and needs. Here are three of the best car insurance companies for Arlington drivers, the type of driver each one is best for, and their average quotes in Texas.
Best insurer for young drivers: State Farm
Best insurer for discounts: GEICO
Best insurer for low-mileage drivers: Mile Auto
How to get the cheapest car insurance in Arlington
The best way to keep your insurance costs low is by maintaining a good driving record. Here are five other things you can do to find cheap car insurance in Arlington:
Choose a higher deductible. When you file a claim with your auto insurance company, you’ll pay an out-of-pocket deductible before your comprehensive and collision coverages kicks in. Choosing a higher full-coverage deductible will help you save money on your monthly premiums. Just be sure you can cover out-of-pocket costs if your vehicle is damaged.
Get a liability-only policy. If you drive an older vehicle that’s paid off, it may make sense to drop your coverage to a liability-only policy. It’s a good idea to check Kelley Blue Book to see what your car is currently worth.
Bundle your policies. Most insurers give you a discount for purchasing multiple insurance policies from them. For example, you could earn a discount for bundling your auto insurance and home insurance together.
Maintain a good credit score. Most insurance companies consider credit scores when reviewing you for car insurance. Maintaining good credit can help you keep your insurance costs low.
Shop around. You should receive quotes from at least three different companies before choosing an auto insurance policy. Every company has slightly different criteria they look at, so shopping around is the best way to find cheap car insurance.
Cheapest liability-only car insurance in Arlington: State Farm
If you cause a car accident, liability-only insurance will pay for damages to the other driver’s vehicle. It’ll also cover medical costs if they or their passengers are injured in the accident. However, liability insurance won’t pay for your hospital bills or damages to your vehicle.
The cheapest insurer for liability-only car insurance in Arlington is State Farm, with a starting cost of $60 per month. The following table shows the cheapest liability-only policies for Arlington drivers.
Cheapest full-coverage car insurance in Arlington: State Farm
Full-coverage car insurance includes your state’s required amount of liability coverage, plus comprehensive and collision. Full coverage provides more robust protection than a liability-only policy.
Collision coverage can help pay to repair or replace your vehicle after an accident, no matter who caused the crash. It can also pay damages if you collide with an object other than a vehicle, such as a telephone pole or fence.
If an event other than a collision causes damage to your car — for example, vandalism or a fire — comprehensive coverage can help pay to repair or replace your car.
The cheapest insurer for full-coverage car insurance in Arlington is State Farm, with a cost of $93 per month. If you’re looking for affordable full-coverage auto insurance in Arlington, you might consider the following insurance companies.
Car insurance requirements in Texas
Here are the minimum coverage requirements for car insurance, according to Texas state law:
For many drivers, liability-only insurance won’t be enough coverage, so here are some additional coverage options you can consider:
Cheapest car insurance for drivers with an incident
Drivers with a good driving record can expect to pay the lowest car insurance premiums. So if you have a history of speeding tickets, driving under the influence, and at-fault accidents, you can expect your insurance to go up. But by shopping around for different insurers, you may be able to save money on car insurance.
Overall, having an incident on your motor vehicle record in Arlington can push your monthly car insurance premium from $181 to $210.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Excessive speed plays a role in roughly 20% of fatal crashes, according to the National Highway Traffic Safety Administration (NHTSA). Because speeding often leads to accidents, receiving a ticket will cause your insurance rates to go up. And this violation can remain on your record for up to three years or more.
The cheapest insurer for drivers with a speeding ticket in Arlington is State Farm, with an average cost of $73 per month. Here’s what you can expect to pay for auto insurance with a speeding ticket compared to a clean driving record.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you’re found at fault for a car accident, your insurance premiums will likely increase. When you’re involved in a car accident, you have to file a claim with your insurance company. This makes you more expensive to insure, so you’ll have to pay higher monthly rates.
State Farm has the cheapest rates for Arlington drivers with at-fault accidents on their records — $76 per month for liability-only coverage. The data below illustrates how an at-fault accident affects the rates of Arlington drivers.
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence of alcohol or drugs endangers lives, so it comes with harsh penalties. If you’re caught driving under the influence in Texas, you’ll receive a fine of up to $2,000. If you’re convicted, you could spend up to 180 days in jail and lose your driver’s license for up to a year.4
And if you have a DUI conviction, your insurance company could decide not to renew your policy. If it does keep you as a customer, you’ll pay much higher rates for car insurance.
A DUI can elevate your monthly insurance premium in Arlington from $181 to $291, on average. Drivers will find the cheapest rates after a DUI from State Farm, starting at $94 for minimum coverage. Here’s what you can expect to pay for insurance after a DUI:
Cheapest car insurance for seniors: State Farm
Most people will see their insurance rates decrease starting at age 25, but they’ll start to increase again around age 70. This is because accident frequency and severity increase for senior drivers.
In Arlington, car insurance for seniors costs an overall average of $153 per month. The cheapest monthly rate senior drivers will find in the city is $47 from State Farm. The table below shows the cheapest auto insurance companies for seniors in Arlington:
Cheapest car insurance for teens: State Farm
Teenage drivers pay some of the highest rates for auto insurance due to their lack of experience behind the wheel and higher accident rates. Teen drivers between the ages of 16 and 19 have a fatal crash rate that’s nearly three times as high as drivers older than 20.6
Fortunately, young drivers have ways to save money on auto insurance. For example, you can stay on an insurance plan with your family, purchase a vehicle with a good safety rating, and qualify for a good student discount.
Teen car insurance costs Arlington drivers an overall average of $355 per month. But young drivers may find lower rates from State Farm, which has rates as low as $119 for liability-only coverage. Here are the cheapest coverage options for teenage drivers:
Arlington car insurance quotes by credit tier
Texas is one of many states that allow insurance companies to consider credit history when determining your auto insurance rates. Insurance companies use credit information to generate a credit-based insurance score intended to predict how likely you are to file a claim. Generally, people with good credit pay lower car insurance rates than people with poor credit do.
As you can see in the following chart, you’ll receive the lowest rates for insurance if you have excellent or good credit versus poor credit.
Is car insurance more expensive in Arlington?
Arlington residents pay an overall average of $181 per month for car insurance, which is above the national average. However, it falls right in the middle when compared to other Texas cities. And it’s less expensive than cities like Beaumont, Dallas, and Plano.
More cities in Texas
Your location also influences your car insurance rates, and you could pay more or less for insurance depending on your ZIP code. Here’s how Arlington’s average monthly car insurance rates compare to other popular cities in Texas:
Arlington car insurance FAQs
While Arlington car insurance is cheap compared to other locations in the Lone Star State and the overall Texas average, it still makes sense to look for the best deal you can find. To help you get started, here are some answers to commonly asked questions about Texas and Arlington car insurance.
How much is car insurance in Arlington, Texas?
On average, car insurance costs $231 per month for full coverage and $131 for liability-only insurance. But the premium you actually get will depend on many other factors besides location, including your driving history, age, gender, and credit.
Who has the cheapest car insurance in Arlington?
State Farm offers the lowest car insurance rates in Arlington, starting at $60 for liability-only coverage. Arlington drivers can also find cheap rates from Mile Auto and Allstate, which have liability rates as low as $73 and $83, respectively.
What are the best car insurance companies in Arlington?
Many top insurers offer coverage in Arlington, but State Farm, GEICO, and Mile Auto emerge as among the best car insurance companies for drivers. Both State Farm and GEICO have IQ Scores above four (out of a possible five) and strong ratings from AM Best and J.D. Power. Mile Auto’s pay-per-mile model is an especially good choice for Arlington drivers with shorter commutes, people who work from home, and seniors who don’t drive much.
How much is car insurance in Texas per month?
Because the state is exposed to several types of severe weather and has several large cities with significant traffic, car insurance rates in Texas tend to be higher than in other states — and higher than the national average overall. Full-coverage car insurance costs a monthly average of $218 for Texans, and liability-only insurance averages $124 per month.
What’s the bare-minimum insurance required in Texas?
Texans must carry at least $30,000 in bodily injury coverage per person, up to a total of $60,000 per accident, and $25,000 for property damage. Additionally, all car insurance policies in Texas include personal injury protection, but you can opt out of the coverage in writing.
Keep in mind that insurance professionals commonly recommend purchasing more than a state’s minimum required coverage amounts. Higher liability limits and full coverage offer greater financial protection. For example, if you cause an accident that leaves the other driver with $60,000 in medical bills that you’re responsible for, Texas minimum coverage will only pay half that amount. You’ll be on the hook for the other $30,000.
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