Car Insurance in Arlington, Texas
Estimated full coverage in Arlington runs about $2,095 a year ($174/month) — ▲ +11% versus the Texas average, ranking 6th most expensive of the 57 Texas cities we cover.
Why car insurance in Arlington costs more than the Texas average
Insurers price by territory, and Arlington's numbers explain most of the gap. With 403,672 residents on 95.8 square miles, the city's density (4,212 people per square mile) is 6.3 times the density where the typical Texas resident lives (670). The average commute is 26.6 minutes (Texas: 26.7), and 72% of workers drive alone. Together these put our location factor at 1.11× the state baseline for liability and collision.
| Factor | Arlington | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 4,212 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 26.6 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 7.1% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 72.4% | — | Share of workers commuting by car. |
| Public transit to work | 0.3% | — | Transit use lowers how much residents drive. |
| Work from home | 13.1% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 5.0% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 90.8 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Arlington
Rates can change from one ZIP code to the next. Across 13 Arlington ZIP codes, our full-coverage estimate ranges from $2,010 in 76005 to $2,180 in 76002. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 76010 | 54,978 | 6,240 | 25.8 min | 7.9% | $2,120 | +1% |
| 76017 | 47,074 | 4,612 | 28.2 min | 3.7% | $2,130 | +2% |
| 76001 | 38,913 | 3,644 | 28.2 min | 2.8% | $2,105 | 0% |
| 76013 | 35,715 | 3,979 | 25.8 min | 7.8% | $2,075 | −1% |
| 76002 | 35,265 | 4,945 | 30.7 min | 2.7% | $2,180 | +4% |
| 76014 | 32,818 | 5,721 | 24.1 min | 6.1% | $2,085 | 0% |
| 76016 | 31,280 | 3,536 | 26.2 min | 2.9% | $2,070 | −1% |
| 76012 | 27,991 | 3,412 | 25.8 min | 3.4% | $2,060 | −2% |
| 76018 | 26,834 | 3,417 | 28.7 min | 2.9% | $2,105 | 0% |
| 76006 | 23,446 | 3,068 | 24.4 min | 6.5% | $2,025 | −3% |
| 76011 | 22,752 | 2,798 | 24.6 min | 6.9% | $2,020 | −4% |
| 76015 | 18,135 | 4,251 | 25.1 min | 4.6% | $2,070 | −1% |
| 76005 | 7,102 | 2,123 | 25.8 min | 4.1% | $2,010 | −4% |
Minimum car insurance in Arlington
Arlington drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Arlington at $765 a year, and $1,065 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Arlington premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Tarrant County as very high for hail, relatively high for inland flooding and relatively moderate for strong wind, and relatively low for hurricanes.
Traffic & commuting
7.1% of Arlington commuters spend an hour or more getting to work, and there are 1.88 vehicles per household. 13.1% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 100.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.9 | Comprehensive; dwelling | |
| Hurricane | 72.3 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.1 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 82.8 | Comprehensive; dwelling | |
| Winter weather | 97.3 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Arlington by driver profile
A clean-record driver in their 50s pays the least in our Arlington model (about $1,925 for full coverage); an 18-year-old on their own policy pays about $5,760, and a DUI pushes a 30-something to $3,875.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,100 | $2,930 | $5,760 | $480 |
| Young adult (22) | $1,225 | $1,705 | $3,350 | $279 |
| Adult in their 30s | $765 | $1,065 | $2,095 | $175 |
| Adult in their 50s | $705 | $980 | $1,925 | $160 |
| Senior (72) | $855 | $1,195 | $2,345 | $195 |
| 30s, one at-fault accident | $1,110 | $1,545 | $3,035 | $253 |
| 30s, DUI on record | $1,415 | $1,970 | $3,875 | $323 |
Minimum vs. standard vs. full coverage in Arlington
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $765 | $64 | $625–$900 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,065 | $89 | $875–$1,260 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,095 | $174 | $1,715–$2,470 |
Estimate your premium in Arlington
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Cheap car insurance in Arlington: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Arlington's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $145 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $150 | You're among the 13.1% of Arlington workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $565 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $1,030 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $460 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Arlington
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 90 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Arlington, our estimates differ by up to $170 a year between neighborhoods.
Car insurance agents near Arlington, TX
We found 90 insurance offices within about 7 miles of central Arlington, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Khan Mosleh - Farmers Insurance
2536 S Cooper St, Arlington, TX 76015 -
Jeremy Normand - State Farm Insurance Agent
3000 South Cooper Street, Arlington, TX 76015 -
Freeway Insurance
3200 S Cooper St, Arlington, TX 76015 -
Patti Jones - Allstate
1121 W Mayfield Rd, Arlington, TX 76015 -
Javier E. Najera - Allstate
1506 W Pioneer Pkwy, Ste 207, Arlington, TX 76013 -
Gloria Legrand - State Farm
1396 W Mayfield Road, Suite 110, Arlington, TX 76015 -
Mitchell Jude Attales - Farmers Insurance
1400 W Mayfield Rd, Arlington, TX 76015 -
Sue Lai - Farmers Insurance
3330 Matlock Rd, Arlington, TX 76015 -
Ashlynne J Elrod - Farmers Insurance
3604 S Cooper St, Arlington, TX 76015 -
Teecy Mai - Farmers Insurance
100 W Pioneer Pkwy, Arlington, TX 76010 -
Farmer’s Insurance
1707 South Cooper Street, Arlington, TX 76010 -
Clarence Robinson II - Allstate
700 Highlander Blvd, Ste 405, Arlington, TX 76015 -
Philip Szurek - Farmers Insurance
2614 W Arkansas Ln, Arlington, TX 76016 -
Robin Frances Miller - Farmers Insurance
3901 Arlington Highlands Blvd, Arlington, TX 76018 -
Josue Cardenas - Farmers Insurance
2111 S Collins St, Arlington, TX 76010 -
Amy Le - Allstate
3415 S Collins St, Ste 107, Arlington, TX 76014 -
Ray Givens - State Farm
2229 W Park Row Drive, Suite A, Pantego, TX 76013 -
Blake Douglas Hyden - Farmers Insurance
3100 W Arkansas Ln, Arlington, TX 76016 -
Ann Marie Espinoza - Farmers Insurance
2400 W Park Row Dr, Pantego, TX 76013 -
Vishal Chand - Allstate
3105 W Arkansas Ln, Ste A2, Arlington, TX 76016 -
Tin T Le - Farmers Insurance
4508 Matlock Rd, Arlington, TX 76018 -
Allstate
TX -
Brad Bingham - Allstate
1400 S Bowen Rd, Arlington, TX 76013 -
Billy Rhodes - State Farm
4621 S Cooper, Suite 119, Arlington, TX 76017 -
Robert Nelson - Farmers Insurance
2340 W Interstate 20, Arlington, TX 76017 -
Mi L Hoang - Farmers Insurance
1600 E Pioneer Pkwy, Arlington, TX 76010 -
Martin Coleman - Allstate
1210 W Abram St, Arlington, TX 76013 -
LY Agency
TX -
Melva Johnson - State Farm
5001 S Cooper Street, Suite 211, Arlington, TX 76017 -
James David Dickey - Farmers Insurance
318 W Main St, Arlington, TX 76010 -
Thomas R. Crutchfield - Allstate
214 S Mesquite St, Arlington, TX 76010 -
Shane Ferrell Insurance Agency
3926 Pioneer Parkway, Arlington, TX 76013 -
Ignacio Quezada - State Farm
805 E Abram Street, Arlington, TX 76010 -
Taylor Lam Farmers Insurance
708 N Fielder Rd, Arlington, TX 76012 -
Ana Karen Portillo - Farmers Insurance
5435 S Cooper St, Arlington, TX 76017 -
Tony Dominguez - Allstate
4601 Hollow Tree Dr, Ste 111-B, Arlington, TX 76018 -
Karim Nevils - State Farm
5421 Matlock Road, Suite 125, Arlington, TX 76018 -
Freeway Insurance
1518 E Abram St, Arlington, TX 76010 -
Jesus Sanchez - State Farm
3916 W Interstate 20, Ste 100, Arlington, TX 76017 -
Allstate
1601 Fielder North Plaza Sc, Arlington, TX
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Arlington
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,570 | −25% |
| Subaru Outback | Wagon | $1,575 | −25% |
| Tesla Model 3 | Midsize car | $2,180 | +4% |
| Subaru Forester | Small SUV | $1,545 | −26% |
| Honda Civic | Compact car | $2,360 | +13% |
| Toyota Corolla | Compact car | $2,215 | +6% |
| Jeep Wrangler | Midsize SUV | $1,715 | −18% |
| Mazda CX-5 | Small SUV | $1,755 | −16% |
| MINI Cooper | Subcompact car | $1,580 | −25% |
| Tesla Model Y | Midsize SUV | $1,960 | −6% |
More car insurance topics in Arlington
Car insurance in nearby Texas cities
- Grand Prairie $2,080/yr · 6 mi
- Irving $2,040/yr · 14 mi
- Fort Worth $2,060/yr · 14 mi
- Southlake $1,955/yr · 18 mi
- Dallas $2,070/yr · 22 mi
- Carrollton $2,030/yr · 24 mi
- Lewisville $2,030/yr · 26 mi
- Richardson $2,040/yr · 31 mi
- Mesquite $2,165/yr · 32 mi
- Garland $2,160/yr · 32 mi
- Plano $2,065/yr · 33 mi
- Denton $1,940/yr · 36 mi
All Texas cities and state rules · Homeowners insurance in Arlington
Frequently asked questions
How much is car insurance in Arlington, TX?
We estimate full coverage in Arlington at about $2,095 a year ($174 a month) for a driver in their 30s with a clean record, and about $765 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Arlington more expensive than the Texas average?
Our Arlington estimate is 11% higher than the statewide figure. The model reflects a population density of 4,212 people per square mile (the typical Texas resident lives at about 670) and an average commute of 26.6 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Arlington?
Drivers in Arlington follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Arlington has the cheapest car insurance?
Among Arlington's 13 ZIP codes, 76005 has the lowest estimate (about $2,010 a year for full coverage) and 76002 the highest (about $2,180), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Arlington?
An 18-year-old with their own full-coverage policy would pay around $5,760 a year in Arlington by our estimate ($2,100 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Arlington?
Yes. FEMA's National Risk Index rates Tarrant County for hail (very high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Arlington?
We list 90 insurance offices in and around Arlington, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Arlington and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places