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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Drivers in Arlington, Texas, pay an average monthly cost of $182 for car insurance, according to Compare.com data. Arlington’s average rate is higher than the national average of $151 likely because of increasing severe weather events, higher repair and labor costs, and higher claim settlements.[1]
But just because Arlington’s average rates are relatively expensive doesn’t mean you have to pay more. Find out the best insurance companies in Arlington, and see which ones offer the cheapest premiums based on driver profile and coverage type. We’ll also give you tips for saving even more cash.
The cheapest car insurance company in Arlington, Texas, is State Farm.
Arlington drivers pay an average of $182 per month for car insurance.
Around 20% of Texas drivers are uninsured, according to the Texas Department of Motor Vehicles (DMV), making uninsured motorist coverage worth considering.[2]
Where you live plays a big role in how much you pay for car insurance, with theft rates, repair costs, weather, and other factors contributing to insurance rates.
The table below shows how much Arlington drivers pay on average based on driver profile and coverage type, according to Compare.com data.
Driver/Coverage Type  | Average Monthly Premium |
|---|---|
| All Arlington drivers | $182 |
| State-minimum coverage | $127 |
| Full coverage | $237 |
| Teens | $348 |
| Seniors | $143 |
| Clean driving record | $182 |
| Recent ticket | $249 |
| Recent at-fault accident | $257 |
| DUI conviction | $293 |
| Poor credit | $228 |
We found that the overall average monthly cost of car insurance in Arlington, Texas, is $182. That breaks down to an average of $127 for state-minimum coverage and $237 for full coverage.
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Like most states, Texas requires drivers to have car insurance to legally drive. Currently, you must have the following minimum coverage:[3]
$30,000 per person for bodily injury liability
$60,000 per accident for bodily injury liability
$25,000 per accident for property damage liability
Although Texas doesn’t require uninsured motorist coverage, it’s a good idea to consider, since an estimated 20% of Texas drivers don’t have insurance, according to the Texas DMV. If a driver without insurance hits you, your uninsured motorist coverage can help pay for the damage to your car.
The Texas Department of Insurance (TDI) recommends buying enough liability coverage to protect your finances.[4] If you cause an accident, you might have to pay out of pocket for damage or injuries that exceed your liability limits.
Lenders also typically require you to buy comprehensive and collision insurance when you finance or lease a vehicle to protect the car itself. You should also consider gap insurance if you make a small down payment or owe more than your car is worth. It can cover the difference between what you owe and its actual cash value (ACV) if you total it.
The average monthly insurance cost in Arlington is $182, but you can look for ways to save money by comparing policies from different insurers.
We analyzed average rates in Arlington to find the five cheapest auto insurance companies, according to Compare.com data.
State Farm has the cheapest car insurance in Arlington, with an average monthly rate of $41. But GEICO and Allstate are also great options for many drivers.
Still, certain factors affect your insurance rate, so check out the following list of insurers offering the cheapest insurance in Arlington for different driver profiles and coverage types.
Although considering the cheapest companies is a good starting point, your personal insurance rates will vary. Factors like your age, ZIP code, driving record, and coverage needs all contribute to your premium cost.[5]
The table below shows the cheapest insurers in Arlington by driver profile and coverage type, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $41 |
| Full coverage | State Farm | $75 |
| Teens | State Farm | $77 |
| Seniors | State Farm | $31 |
| Drivers with a speeding ticket | State Farm | $52 |
| Drivers with an at-fault accident | State Farm | $55 |
| Drivers with a DUI | State Farm | $66 |
| Drivers with excellent credit | State Farm | $36 |
| Drivers with poor credit | GEICO | $52 |
The best way to get an accurate insurance rate for your unique profile is to compare auto quotes from multiple companies. You can compare many quotes faster and easier by using a car insurance comparison site.
Compare personalized quotes from Arlington’s top insurers.
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Though there isn’t a single “best” car insurance company for all Arlington drivers, a few stand out. These companies have above-average J.D. Power customer satisfaction scores in the Texas region, generous discounts and coverage offerings, and below-average rates, making them great choices for many area drivers.
Consider starting your car insurance shopping with one or more of the following Arlington insurers.
Incredibly cheap rates
Telematics program offers up to 30% off
Plenty of available discounts
Fewer available coverages than competitors
Below-average digital shopping experience score
High premiums for high-risk drivers
State Farm has some of the lowest average rates in Arlington, according to our research. And with at least 20 local agents to serve Arlington, you can get personalized customer service anywhere you live.
The company doesn’t have as many customizable coverages as some competitors. Still, it makes up for it with a long list of available discounts, like for taking a defensive driver course or enrolling in the Drive Safe & Save telematics program.
With it, you can get a 10% enrollment discount for participating and save up to 30% on your policy renewal for practicing safe driving habits. State Farm also offers savings if you bundle more than one policy, insure more than one car, or drive fewer than 7,500 miles per year.
Cheap average rates
Above-average customer satisfaction
Plenty of available discounts
Below-average digital service experience score
Below-average claims satisfaction
Only one local agent
GEICO offers Arlington drivers cheap rates and many discounts to help you get the right coverage at the best price. These include good student, safe driver, vehicle equipment, and driver affiliation discounts. The company is also one of the few insurers offering mechanical breakdown insurance, which works like a vehicle warranty and covers things an auto insurance policy typically doesn’t cover, like engine failures.
While GEICO has above-average customer satisfaction ratings in the Texas region, J.D. Power gives it a below-average score in digital service experience and claims satisfaction. It’s also worth noting that there’s only one local agent in the Arlington area.
Affordable rates
Many local agents available
Above-average customer satisfaction score
Potentially slow claims process
Below-average claims satisfaction score
Fewer available discounts than competitors
Allstate is another affordable option for auto insurance and has an above-average customer satisfaction rating in the Texas region. If you’re a rideshare driver or need an insurance policy for a trip to Mexico, Allstate may be a good fit. The company also offers up to 30% in savings with its Drivewise telematics program, and if you’re a safe driver and responsible payer, you can save even more.
But Allstate gets a below-average claims satisfaction rating from J.D. Power, and customer reviews point to a potentially slow and frustrating claims process.
Compare quotes side-by-side and lock in cheaper rates.
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One of the easiest ways you can save on car insurance is to take advantage of discounts, though availability varies by insurance company and state. Common discounts you may qualify for in Arlington include:
Safe driver discount: Good drivers with a clean driving record may qualify for a safe driver discount.
Anti-theft discount: You may get an anti-theft device discount if your car has theft deterrents such as an alarm system or GPS tracking.
Low-mileage discount: If you work from home or don’t drive much, you may qualify for a low-mileage discount. Many companies consider “low mileage” to be 10,000 miles per year or fewer.
Good student discount: Full-time students who have a B or above GPA may qualify for a good student discount.
Car insurance discounts aren’t the only way to get a low rate on your insurance policy. The following tips can help you save even more.
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Taking time to shop for car insurance can help you find the right coverage for your budget. Use these money-saving tips to help you get the cheapest insurance rate:
Raise your deductibles. If you have full coverage, you can increase your deductibles, which will lower your premium. Just make sure you can afford the higher out-of-pocket cost if you have to file a claim.
Bundle insurance policies. Bundle your home and auto insurance with the same company for a multi-policy discount.
Ask about telematics. You can show off your safe driving skills and get rewarded with cheaper rates if you let your insurer track your driving habits.
Consider your next vehicle purchase. If you’re considering a new or used car, check which vehicle model offers the best rates.
Compare car insurance quotes frequently. Check insurance rates every six months or when you renew your policy to ensure you continue to pay the least for the right coverage.
Compare personalized quotes and get cheaper rates in minutes.
If you still have questions about getting auto insurance in Arlington, this additional information below may help as you research your insurance options.
The cheapest auto insurance company in Arlington is State Farm, with an average monthly rate of $41. You can find the cheapest company for your specific driving profile and coverage needs by comparing car insurance quotes from multiple companies.
The overall average monthly cost of car insurance in Arlington, Texas, is $182, according to our data. A basic liability-only policy averages 41, while you’ll pay an average of $75 per month for full coverage.
No. $100 per month isn’t expensive for many car insurance policies. The average cost in Texas is $2,117 per month, according to Compare.com data. Rates can vary widely by insurance company, driving history, age, and where you live.
You can get cheaper car insurance by buying only the coverage you need, increasing your deductible, improving your credit, and avoiding tickets and at-fault accidents. Comparing quotes from multiple companies regularly can ensure you’re getting the cheapest rates.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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