Find Car Insurance in Arlington, TX

What You Should Know About Car Insurance in Arlington, Texas

Located in Tarrant County, Arlington is the seventh-most populous city in the state of Texas and a part of the Dallas-Fort Worth-Arlington metropolitan area. The nearly 400,000 people who call the city home work for a variety of notable employers, including the University of Texas at Arlington, General Motors, and Texas Health Resources.

The city is home to some of the most popular professional sports teams in the world, including the Dallas Cowboys, the Texas Rangers, and the Dallas Wings. Other popular destinations include the famed Six Flags amusement park and the International Bowling Museum.

There is a lot to do in Arlington, and the primary way to get around the city is by car. Living in the city, you need protection not only from the risk of a collision but also from the potential for damage to your vehicle by the elements. The expert agents of InsureOne are waiting to help you find the best auto insurance at the best price.

How Much Does Car Insurance Cost in Arlington, Texas?

Pricing for Texas auto protection varies depending on the details of your policy. Full auto coverage typically covers your losses as well as protects you from third-party liability claims. The downside is that this insurance costs more than those with the minimum requirements set by state law.

The typical Texas resident pays $2,019 annually for full auto policies. For liability insurance coverage, the average Texan spends $565 each year.

When it comes to full auto coverage, Texans pay less than the national average of $2,314. The same is not true compared to the national average for liability only coverage of $644.

Reasons Why Insurance Is So Expensive in Texas

Several factors contribute to the high premium costs in Texas. First, the state has a large population that is heavily reliant on motor vehicles to get around. With this much traffic, accidents are often unavoidable. The sheer number of vehicles on the road is only one factor to consider, however.

Having your own coverage is also important due to the high number of uninsured drivers on the roads and highways of the state. When accidents happen with these motorists, you might not have the option to secure compensation by filing a claim on their insurance. These situations are where full coverage is so important.

Affordable Car Insurance Rates Comparison by Cities in Texas

Below is a comparison of the average monthly premiums paid in various cities in Texas.

Zip Code	Full Coverage Insurance	Liability Insurance Coverage
Arlington	$181	$51
Austin	$157	$47
Dallas	$184	$54
El Paso	$160	$44
Amarillo	$175	$44

What Types of Car Insurance Discounts Are Available in Arlington?

There are many different types of policy discounts available. Some of the most popular options include the following:

• Customer Retention Discount
• Student Discount
• Military Discount
• Safe Driver Discount
• Auto Pay Discount

Notable Car Insurance Laws in Arlington

Every state has laws and regulations related to auto liability coverage, and Texas is no exception. If you fail to purchase adequate coverage, you could face steep monetary fines.

What Are the Mandatory Car Insurance Requirements in Arlington?

Texas sets a minimum amount of liability insurance that drivers must purchase. This requirement applies in Arlington and throughout the Lonestar State. The minimum amount you must purchase includes the following:

• $30,000 for bodily injuries per person
• $60,000 for bodily injuries per accident
• $25,000 for property damage per accident

What Is the Penalty for Driving Without Insurance in Arlington?

In Texas, it is illegal to drive without auto coverage, and Arlington motorists have to comply with this rule like anyone else. Driving without the minimum amount of coverage can cost you.

For instance, the first offense will lead to a citation and a fine of up to $350. Second and subsequent offenses will lead to as much as $1,000 in fines. However, there is no risk of incarceration with this charge.

You could benefit from a discussion with InsureOne to ensure you have enough coverage to comply with state law. Our agents can ensure you have the right policies to protect your property and comply with state law.

Do Arlington-Specific Laws Play a Role in Determining Your Insurance Premiums?

For the most part, local regulations do not play a part in determining what your auto insurance will cost. Some of the factors that will determine what you pay include the following:

• The kind of car you drive. You will likely pay less for an American-made minivan compared to a foreign sports car.
• Your age. Drivers in their teens and early 20s can expect to pay far more for auto insurance.
• The zip code of where you live can play a part in determining what your policy costs. This is due to the frequency of accidents in that area.
• Your driving frequency. Prior accidents and tickets can dramatically increase the cost of your insurance.

Auto Insurance Rates for Young Drivers vs. Older People in Texas

As mentioned previously, age is a critical factor in determining what your policy will cost. Young drivers tend to pay more given their statistically higher likelihood of being involved in an accident. Teenagers and motorists in their early 20s will pay far more for their coverage than everyone else.

Once a driver reaches their 30s, the cost of their policy will generally drop, assuming all other factors are equal. These costs will continue dropping as drivers reach their 40s, 50s, and 60s.

At some point, drivers will see the cost of insurance begin to rise again. This is because motorists in their 70s have a higher rate of accidents than most drivers. Those costs will only continue to increase as a driver ages.

How Many Car Accidents Happen in Arlington Per Year?

Here is a comparison of annual Arlington accidents to other cities in Texas:

City	Annual Average Number of Fatal Car Crashes
Arlington	41
Oakwood	1
Allen	2
Amarillo	23
Austin	88

How Many Uninsured/Underinsured Motorists Are in Arlington?

Texas is known for its high rate of uninsured motorists. According to the state, between 17% and 20% of all drivers lack any liability insurance coverage at all. That number only grows when you take into account drivers with limited coverage that meets the state minimum but cannot pay for your full damage.

Driving without protection can be a costly error, not only in terms of a potential fine but also based on the cost of an accident.