Best Arlington, TX Auto Insurance in 2025 (Top 10 Companies Ranked)

State Farm, Geico, and Progressive lead the best Arlington, TX auto insurance with a monthly starting rate of $56. State Farm offers real-time assistance with its 20 local agents in Arlington.

Geico offers competitive premiums and advanced digital tools. Progressive’s Name Your Price tool lets customers set a budget for their coverage needs. The table below summarizes all these top-quality insurance companies.

Our Top 10 Company Picks: Best Arlington, TX Auto Insurance

These insurance companies provide the best coverage at affordable premiums, ensuring that Arlington drivers can purchase the car security they deserve.

Do you want cheap auto insurance in Arlington, TX? AutoInsuranceEZ.com can help you find your needs. You only need to input your postal code in the free online tool.

#1 – State Farm: Top Overall Pick

Pros

• Comprehensive Coverage Options: A diverse coverage offer, such as liability, collision, and comprehensive coverage. All coverage options are in the State Farm auto insurance review. 
• Financial Strength and Customer Satisfaction: With a superior A++ rate from A.M. Best, it ranks above the regional average regarding customer satisfaction.
• Extensive Local Presence: State Farm has over 20 local agents who ensure policyholders get the assistance they need.

Cons

• Less Add-Ons Offer: State Farm has fewer add-ons as gap insurance and vanishing deductibles are unavailable.
• Higher Rates for Some Drivers: Young and high-risk drivers pay higher premiums than providers specializing in them.

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# 2 – Geico: Best for Low Premiums

Pros

• Competitive Premiums: Geico consistently offers affordable rates to customers in Arlington, as its starting price for coverage is only $83.
• Advanced Digital Tools: A website and mobile app that lets customers file a claim and manage a policy. Check the Geico auto insurance review for all the mobile app’s features.
• High Customer Satisfaction: J.D. Power’s 2022 Claims Satisfaction Study proved Geico’s high customer approval for efficient claims handling.

Cons

• Limited Local Agents: Customers should mainly do operations with Geico online as it has fewer local offices, leading to less in-person service.
• Less Coverage Personalization: Although it provides all the basic coverage, it lacks add-ons like new car replacement, gap, and vanishing deductibles.

# 3 – Progressive: Best for Innovative Tools

Pros

• Name Your Price Tool: A unique tool that provides coverage based on the customer’s budget, making affordable offers while ensuring quality insurance.
• Snapshot Program: A UBI program that personalizes the premiums based on actual driving habits. Check the rules in Progressive auto insurance review. 
• 24/7 Claims Reporting and Tracking: Progressive mobile app and website allow customers to track and file claims, providing transparency and timely updates.

Cons

• Snapshot Program Drawback: While the program is meant to save on premiums through its rewards, tracked bad driving habits cause premium hikes.
• Limited Coverage: The Name Your Price tool, though cheap, may cause you to get insurance that does not cover major accidents.

# 4 – Allstate: Best for Extensive Discounts

Pros

• Extensive Discount Programs: Many savings options are available, such as early signing, safe driving, EZ play plan, early signing, and new car discounts.
• Deductible Rewards: For accident-free insurance, deductibles decrease by $100 annually, up to $500. Check the conditions to qualify in the Allstate auto insurance review. 
• Several Coverage Options: Allstate offers a wider range of personalization options through its add-ons, such as rideshare, classic car, and sound system coverage.

Cons

• Strict Eligibility to Some Discounts: The maximum $500 reward on deductibles takes several years to earn, and a safe-driving bonus check is not offered in all policies.
• Higher Rates for High-Risk Drivers: Premiums are higher for drivers with a record of DUIs, accidents, and bad credits.

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# 5 – Farmers: Best for Customizable Options

Pros

• Farmers Flex Personal Auto Policy: This policy enables drivers to select the policies that align with their needs, including accident forgiveness and declining deductibles.
• Customized Vehicle Parts Coverage: Farmers cover protection and enhancements on customized parts like rims, stereo systems, and safety devices.
• Add-Ons Opportunities: It offers add-ons like glass deductible buyback. Check the Farmers auto insurance review to see the list of add-ons.

Cons

• Mixed Customer Service Feedback: Some customers experienced and reported longer wait times for claims resolution than State Farm and USAA.
• Fewer Discount Opportunities: Unlike Allstate and Progressive, it offers few savings options for new, loyal, and old customers.

# 6 – USAA: Best for Exceptional Service

Pros

• Efficient Claims Resolution: USAA has responsive and efficient claims resolution compared to all its competitors, as noted in the J.D. Power 2022 study.
•  Comprehensive Coverage: A long list of coverage meets the needs of the militaries and their families, like accident forgiveness and rideshare.
• Strong Financial Stability: USAA has an A+ rating from A.M. Best, which proves its financial stability in customer claims and garners high customer approval.

Cons

• Membership Restrictions: USAA is exclusive to militaries and their families. Check the eligibility in the USAA auto insurance review. 
• Limited Local Agents: USAA mainly operates by phone and online, limiting in-person customer interaction in complex claims cases.

# 7 – Nationwide: Best for Consistent Value

Pros

• Competitive and Stable Premiums: Nationwide provides competitive rates that stabilize over time, making it cost-efficient, especially for long-term customers.
• Comprehensive Coverage:  Customers can personalize coverage based on their needs and choose from comprehensive coverage for collision, PIP, medical benefits, and uninsured motorists.
• Several Discount Opportunities: Valuable discounts are available, such as bundling and the SmartRide Program. Check more in the Nationwide auto insurance review. 

Cons

• Expensive Premium: Younger drivers and those with a history of accidents may experience higher premium rates.
• Less Regional Presence: Nationwide has few local agents in Arlington, limiting the face-to-face service to customers.

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# 8 – Liberty Mutual: Best for Flexible Coverage

Pros

• Customized Coverage Options: Liberty Mutual allows them to customize their coverage to ensure policyholders only pay for the necessary coverage.
• Optional Add-On Coverages: Flexible add-ons include gap coverage, new car coverage, rental car reimbursement, and more. Check it all out in the Liberty Mutual auto insurance review. 
• 12-Month Rate Lock: While other insurers adjust rates in 6 6-month periods, Liberty Mutual offers a 12-month plan option that stabilizes pricing for the entire year.

Cons

• Higher Deductibles for Some Coverages: Some policyholders experienced higher deductibles than other insurance companies.
• Cancellation Fees: Terminating a policy before renewal has its corresponding cancellation fees, as experienced by some customers.

# 9 – Travelers: Best for Strong Discounts

Pros

• Diverse Discount Opportunities: Travelers provides more options to lower premiums through bundling, safe driver, multi-car, good students, and more.
• Affinity Group Discount: Up to 15% off is offered to employers/companies, organizations, and alums association members.
• Extra Coverage Perks: Travelers lets drivers customize coverage, including gap, premier road assistance, and new car replacement. Check out all its perks in the Travelers auto insurance review.

Cons

• Discount Amount Variations: Some customers reported discounts that differ from what is advertised and may not be offered in all states.
• Mixed Customer Service Experience: Customers experienced varied claims wait times, delays in resolution, or even difficulty reaching adjusters.

# 10 – Hartford: Best for Senior Benefits

Pros

• Exclusive AARP Member Benefits: A partnership that offers seniors unique benefits such as a 10% discount for being a member.
• Additional Savings Opportunities: Other discount options, such as good payer, safe driver, and bundling, are also provided. Check it all out in the Hartford auto insurance review. 
• Competitive Rates for Seniors: AARP members save an average of $577 on auto insurance as it implemented age-based premiums.

Cons

• Higher Rates for Some Seniors: Although it specializes in senior auto insurance, the rates for those with a history of accidents and DUIs are higher, and some rates still increase over time.
• Membership Restrictions: All the perks are only available to AARP members, who pay a membership fee.

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Best Arlington, TX Auto Insurance Monthly Rates

Getting the best Arlington, TX auto insurance means ensuring its monthly premiums are within your budget. Here are the rates from the top 10 insurance companies you can choose from.

Auto Insurance Monthly Rates in Arlington, TX by Provider & Coverage Level

USAA, State Farm, and Progressive are several of the cheap car insurance in Arlington, TX today. But don’t forget that there’s much more to car insurance in Arlington, TX, than paying the cheapest premium.

What for those with a poor customer support experience and who have trouble filing claims since you opted for the least expensive provider? Make sure to consider these important components before you decide to switch companies.

Read more: 10-Minute Auto Insurance Buying Guide

Top Providers and Discounts for the Best Arlington, Texas Auto Insurance

There are many ways how to lower your auto insurance premiums if you think they are still out of your budget. Check the discount options below from the top providers.

Auto Insurance Discounts From Top Arlington, TX Providers

Anti-theft and bundling are some good options as they do not require extra effort; you just need to bundle the policies you need, like auto and home insurance. Anti-theft discounts lower your rates and give you extra protection with the rising number of auto thefts in Arlington.

Best Arlington, TX Auto Insurance

State Farm provides the best Arlington auto insurance. It is known for its extensive local agents who provide real-time assistance with customers’ concerns. State Farm also has high customer approval and strong claims resolution, with an A.M. Best A++ rating.

Moreover, it offers inclusive coverage such as comprehensive and collision coverage, liability, underinsured motorists, and more.

Arlington is about halfway between Dallas and Fort Worth. It is home to several sporting venues, including the Cowboys football stadium, the Texas Rangers, and the International Bowling Hall of Fame.

• Fun Fact: Did you know that Arlington is the #1 largest US city without any form of public transportation? Read up on Arlington by visiting here.

In addition to professional sports, high school football is a very popular pastime in Arlington.

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Auto Insurance Coverage Requirements in Texas

Driving legally in Arlington requires:

Auto Insurance Minimum Coverage Requirements in Texas

It may seem inconvenient that Texas has higher liability auto insurance minimums than other states. However, that higher protection can save you from expensive financial obligations in the future. This coverage can prove useful if you ever enter into a significant accident and/or be hurt by an underinsured driver.

Finding affordable insurance in Arlington might appear difficult, with the typical motorist paying $135 monthly for car insurance in Texas. But living in your area, you can get rates as little as $88 a month! We’ll gladly demonstrate ways to get the cheapest rate possible.

Major Car Insurance Factors in Arlington

Companies offering insurance coverage consider numerous factors when establishing car insurance quotes in Arlington, TX, including marital status, driving violations, credit reports, miles driven yearly, and theft protection devices. Premiums might also alter from one company to another. Assess cheap auto insurance Arlington, TX, quotes online to ensure you still get the best cost.

Any time your motor vehicle insurance provider prepares to develop your plan, they consider numerous specifics. Some, like how old you are or maybe your specific region, are usually difficult to vary. Here are various other examples:

Your ZIP Code

Where you park your vehicle every night will have a major influence on your automobile insurance rate. Generally, automobile insurance is less expensive in rural regions because a lower number of automobiles signifies a reduced possibility that you will get in an accident with another automobile. The population of Arlington is 398,431, and the average household income is $73,519.

Auto Insurance Monthly Rates in Arlington, TX by ZIP Code

75051 has the highest monthly rate at $311, and 76001 has the lowest at $171. The differences likely reflect factors such as traffic density, crime rates, and accident statistics, which impact insurers’ risk assessment.

Read more: Auto Insurance Rates by State

Your Credit Score

Check out the chart below to see how credit score affects car insurance premiums. Motorists with excellent credit ratings typically pay under half of the other motorists’ monthly premiums. Your credit rating is among the most critical factors determining your monthly premium.

Auto Insurance Monthly Rates in Arlington, TX by Credit Score

Credit score significantly impacts auto insurance rates in Arlington, with those with bad credit paying up to $100+ more per month than those with good credit. USAA and State Farm offer the lowest rates across all credit levels, while Travelers and The Hartford have the highest premiums for bad credit customers, reinforcing how insurers assess financial responsibility as a risk factor

Your Age

Are you looking for coverage for any youthful driver? Well, regrettably, you are fighting a constant fight. Due to their youth and insufficient driving experience, they’re much more prone to enter any accident. And average insurance costs for teenage motorists tend to be more costly due to it.

Auto Insurance Monthly Rates in Arlington, TX by Provider, Age, & Gender

Rates in Arlington car insurance are significantly higher for 17-year-olds than 34-year-olds, with male teens paying more than female teens across all providers. USAA offers the cheapest rates for both age groups ($315 for 17-year-old females and $135 for 34-year-old females).

At the same time, Liberty Mutual has the highest car insurance for teenagers ($375 for females and $410 for males), indicating a strong correlation between age, gender, and risk assessment.

Your Driving Record

Had a ticket or two in your record? Then, you are most likely to have to pay more than you ought to for automotive insurance. This is also true should there be providers in your area who offer accident forgiveness discount rates, even if your current insurer doesn’t.

Auto Insurance Monthly Rates in Arlington, TX by Driving Record

USAA offers the lowest rates for a clean record ($105) and car insurance after a DUI ($170), while Liberty Mutual ($128) and The Hartford ($130) charge the highest for a clean record. A DUI significantly increases rates, with The Hartford ($220) and Liberty Mutual ($218) having the highest costs.

Your Vehicle

Luxury cars are costly not just on their own but also for insurance. The reason behind this is that you have to purchase a more comprehensive policy, and you also have to purchase coverage in larger amounts to be able to correctly safeguard your automobile.

The Tesla Model 3 has the highest full coverage cost ($210/month), and the Hyundai Elantra has the lowest ($150/month). Luxury and high-performance vehicles like the BMW 3 Series ($200) and Ford F-150 ($190) are the most expensive cars to insure. At the same time, more common sedans like the Honda Civic ($155) and Chevrolet Malibu ($160) are more affordable to insure.

Automotive Accidents

You’d think that a more crowded city with more motorists – places like Chicago or Los Angeles – would have the highest fatal accident statistics, right? Well, the truth is that Texas is one of the deadliest states when it comes to automotive accidents. This fact will cause insurance providers to charge much higher rates unless you qualify for a safe driver discount.

Sedans have the highest number of automotive accidents (500) in Arlington, followed by SUVs (400) and pickup trucks (300), indicating that these vehicle types may face higher risks on the road. Electric vehicles (30) and hybrid vehicles (50) have the fewest accidents, possibly due to lower numbers on the road or safer driving behaviors.

Auto Thefts in Arlington

In Arlington, there were 115,013 auto thefts in 2023. These numbers encourage car owners to purchase comprehensive coverage for extra protection on auto thefts. Check the detailed auto theft case below.

Anti-theft technology tends to be a great way to guard yourself from auto thievery. They can be moderately inexpensive, simple to get put in, and, once equipped, demand little effort from you. And best of all, many insurance agencies will provide you with a discount on your vehicle insurance just by having one!

Read more: 15 Cities With the Highest Vehicle Theft Rates

Minor Car Insurance Factors in Arlington

Don’t be concerned; there are more factors that affect car insurance premiums that you can adjust to modify. These are extensively discussed below.

Your Marital Status

Are you currently married? Do you and your partner bundle your car and renters insurance plans together? Otherwise, you need to consider doing this since you can acquire some serious discount rates this way. You may also bundle additional insurance plans if your provider provides them.

Your Gender

It could appear unlikely, but statistics reveal that there’s no significant risk between genders that affects car insurance rates. Fortunately, insurance providers take these details and are beginning to charge women and men nearly equal rates.

Your Driving Distance to Work

Getting around in Arlington can be a little tricky. The average commute time for most drivers can last anywhere from 30-35 minutes, and nearly 80% of locals depend upon their own vehicles for transportation. This means you’ll be sharing the road with more cars (and raise your chances of getting into a wreck). Around 15% of motorists carpool.

Is the vehicle you drive registered for business? You may have to pay an excessive amount of money to insure it. Business automobiles typically cost 10-12% more to insure than automobiles for private use. And driving fewer miles to school or work every year is only going to help you save around 3-4%.

Read more: Telecommuting Auto Insurance

Your Coverage and Deductibles

You may not give your deductible much thought; however, if you know how to adjust it, you may see huge savings every month.

The bigger your deductible is, the less you’ll pay every month. But simply bear in mind that, should you have to file claims, you will need to fork over that cash.

Education in Arlington, TX

Arlington is a very well-educated city; nearly 22% of the population has successfully earned a bachelor’s degree, while an additional 21% has completed all four years of high school and earned a diploma. And the more education you have, your car insurance rates will improve!

Arlington has several high-quality institutions for higher learning, which may explain why its populace is so educated. The University of Texas has a campus in Arlington, one of the state’s largest public universities. Arlington Baptist College and Tarrant County College are also available for those who want a private option.

You mustn’t allow an undesirable vehicle insurance provider to persuade you into getting a vehicle insurance policy that is not right for you. Indeed, the quantity of information needed to determine your risk profile may be overpowering, but comparison web pages like this can help simplify things. Simply type in a few details below and allow us to do the rest.

Read more: Car Insurance for Students: Saving 101

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How We Conducted Our Car Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

We hope this best Arlington, TX auto insurance guide helps you get the insurance you deserve. You can start calculating your monthly quotes for the type of auto insurance coverage you need just by entering your ZIP code in our free online tool.