Find Cheap Car Insurance in Arlington, TX

Arlington is a city located in Tarrant County, with a population of approximately 400,000. It is part of the Dallas-Fort Worth metropolitan area and is known for being home to the University of Texas at Arlington. The city also features attractions such as Six Flags Over Texas and the AT&T Stadium, where the Dallas Cowboys play.

If you’re driving in the Lone Star State, having auto insurance is a necessity. Whether you have a perfect driving record or not, it’s important to have the right coverage. Acceptance offers cheap car insurance in Texas, tailored to fit your needs. Keep reading to discover more about insurance solutions for your vehicle in the region and the best discounts available.

When you’re looking for car insurance in Arlington, you’ll find that the average cost for basic liability car insurance, as required by the state, is about $49 per month. This is a bit higher than the national average of $52, and just $2 more than the Texas average of $47 – only a dollar difference.

Opting for full auto insurance in this area sets you back about $159 per month. This rate is $10 less than the Texas average of approximately $169 and comes in $9 cheaper than the national average of $168.

What Does Full vs. Minimum Mean?

When discussing types of auto insurance in Arlington, it’s crucial to grasp the distinction between a full coverage policy and a minimum liability coverage. Let’s break it down:

A minimum liability policy is designed to meet the basic legal requirements for bodily injury and property damage. It provides coverage for damages to others only if you are found to be at fault.

On the other hand, full coverage car insurance offers comprehensive protection, going beyond just accidents to also include theft, natural disasters, and the costs of repairing your own vehicle. This means that with full coverage, your vehicle repair expenses are taken care of regardless of fault, giving you peace of mind should an accident occur.

Interested in seeing how car insurance prices in Arlington stack up against other major cities in Texas? Take a glance at the table provided below.

Compare Car Insurance Rates by Zip Code in Arlington

Where you live plays a big role in how much you pay for insurance. In Arlington, areas like Main Street and Pine Avenue are known for higher rates of accidents or car theft incidents, which can influence insurance costs for drivers in those neighborhoods.

Look at the table below to find out the average car insurance cost for drivers in different zip codes across the city.

Low-Cost Car Insurance Rates by Age in Arlington

As you start driving, you may find that your insurance rates are a bit higher, especially when it comes to auto insurance for teens. But as you get more comfortable behind the wheel and build a solid driving record, you’ll likely see those costs become more affordable.

Check out the chart below to see how much drivers in Arlington are paying for their vehicle policies, and how those prices change as you get older.

*To figure out the average costs, we use the following approach: we consider a 30-year-old male, with the state’s minimum liability coverage and full 100/300/100 coverage.

How Many Fatal Accidents Happen Per Year in Arlington, TX?

One fundamental way to prevent car accidents from affecting your insurance premiums is to be mindful of Arlington’s risks and crash statistics.

According to data from the Texas Department of Transportation, the city records thousands of crashes yearly, underscoring the significance of staying vigilant on the road.

In 2020, there were 5,911 crashes, resulting in 32 fatalities. The following year, the number of crashes increased to 6,291, with fatalities rising to 51. Finally, in 2022, while the number of crashes decreased to 5,785, the fatalities still amounted to 26.

Are Road Infrastructure and Bridges in Arlington Well Maintained?

For more than a decade, the city of Arlington, in conjunction with the Texas Department of Transportation, has been diligently working to evolve from an inner-ring suburb into the thriving center of the Dallas-Fort Worth metroplex. To achieve this, the city has various divisions dedicated to maintaining its overall infrastructure, including the Public Works and the Planning and Development departments.

One of the recent significant improvements that will benefit the city is the massive $1.6 billion fund allocated to the Southeast Connector Project. The project involves widening 16 miles of Interstate 20 and Interstate 820 and reconstructing the I-20, I-820, and US 287 interchanges. It is set for completion in 2027.

Whether you’re in Arlington or any other city in the Lone Star State, the minimum liability requirements for your car coverage are the same. It’s important to have this basic protection in place in case of an unexpected accident. Here’s the breakdown:

• When it comes to bodily injury and death liability coverage, you’re looking at a minimum of $30,000 per person and $60,000 per accident.
• And for property damage liability, the bottom line is a minimum coverage of $25,000 per accident.

Did you know that driving without car coverage in Arlington can land you in some serious trouble? It’s a huge deal and if you get pulled over without proof of your policy, you could be looking at some hefty financial and legal penalties. Here’s what could happen:

• For first-time offenses, you could be slapped with fines up to $350, while repeat offenses may incur penalties as high as $1,000.
• You may also be required to pay an annual surcharge of $250 on your driver’s license for three years.
• Your license and vehicle registration could be suspended, and you may have to obtain SR-22 insurance.

These consequences are no joke and can cause unnecessary stress and financial burdens. It’s always a good idea to keep your auto insurance information readily available to avoid any unpleasant surprises if you get pulled over.

Have you considered the various factors that can impact your car insurance rates in Arlington? It’s not just about your age and location; carriers take into account a variety of elements, including:

• Your educational background
• Your relationship status
• The make and model of your vehicle
• The amount of your deductible
• Your gender
• And even the miles you drive based on your type of work

To have car coverage is more than just a legal requirement – it’s about planning for what lies ahead.

Here’s why choosing the best vehicle insurance matters:

• Ensuring financial security: Car insurance helps ensure future financial stability, protecting you from unexpected expenses.
• Providing property damage coverage: Full coverage means you’re covered for accidental property damage, both for damages you cause to others and to your own vehicle, saving you from repair costs.
• Shielding against natural disasters: Comprehensive protection can help cover repairs to your vehicle from unforeseen natural damage.
• Offering peace of mind: With insurance, you can drive worry-free, allowing you to focus on the road.

Looking to save some cash on your premiums? It’s important to check out different ways to lower your auto insurance costs. The good news is that many providers have auto insurance discounts available that can help you cut down on expenses while still maintaining necessary coverage.

Here are some top discounts for Arlington drivers: