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Finding the cheapest car insurance quotes in Arlington shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Arlington
The car insurance rate in Arlington is $1002 for a six-month policy, which is $66 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $540, making it a popular choice for budget-conscious drivers. Rates in Arlington can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $540 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: State Farm
State Farm offers auto
insurance rates at $705 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $763
for six months, making it
the third cheapest auto insurance company in Arlington.
Arlington Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Arlington, AL is AutoOwners Insurance Co, offering policies at just $540 for a six-month term. This is followed by State Farm, which has an average six-month premium of $705.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2142 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arlington drivers find the best deals.
Way's key takeaways about car insurance in Arlington
The auto insurance costs in Arlington fall around $540 for six
months.
The cheapest auto insurance company in Arlington is Cincinnati.
Teen drivers pay the highest rate in Arlington at $1251 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Arlington
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Arlington are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Arlington. Their Average 6 Month Premium is $140.
Farmers is the most
expensive at $813 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Arlington is AutoOwners Insurance Co
at $90 per month and $540
for six months.
Cheapest Full Coverage Car Insurance Quotes in Arlington,
AL
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Instantly!
Average Car Insurance in Arlington by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Arlington, AL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Arlington, Alabama, may be increasing due to several external factors.
Alabama has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Arlington's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Arlington
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Arlington,AL
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Arlington at $26
per
month. At $7430 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Arlington.
As young drivers face the highest rates in Arlington, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Arlington,
Cincinnati is
the cheapest car insurance provider. At $197 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Arlington is Farmers, offering
rates of around $3464 for six
months.
Save up to $971/yr on car insurance rates in Arlington.
Car Insurance Rates with An Accident in Arlington
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Arlington, AL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Arlington
The cheapest car insurance companies after an at-fault accident in
Arlington include Cincinnati
and AutoOwners Insurance Co, offering $216
and $337,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2968.
Here is a list of driving violations that can increase your car
insurance rates in Arlington AL. For example, the car
insurance in Arlington
after a DUI increases to $865 for a six
month policy. While the rate increases by $248 for a six-month policy in the case of
a speeding ticket.
Arlington auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1042
$173
One Med/PIP claim
$1042
$178
One comp claim
$1074
$179
Two Med/PIP claims
$1074
$183
Not-at-fault accident
$1081
$180
Two comp claims
$1131
$193
Driving without lights
$1239
$207
Failure to wear a seat belt
$1252
$213
Failure to show documents
$1258
$210
Child safety restraint
$1265
$215
Cell phone violation
$1284
$214
Driving with expired registration
$1284
$218
Driving too slowly
$1290
$215
Speeding 6 - 10 MPH over limit
$1290
$219
Speeding in school zone
$1290
$215
Texting while driving
$1290
$219
Speeding 11 - 15 MPH over limit
$1303
$217
Wrong way/wrong lane
$1303
$221
Failure to yield
$1310
$218
Following too closely
$1310
$223
Illegal turn
$1310
$218
Speeding 16 - 20 MPH over limit
$1310
$223
Failure to stop at a red light
$1316
$219
Improper passing
$1316
$224
Passing school bus
$1360
$227
Speeding 21 - 25 MPH over limit
$1366
$232
At-fault accident - less than $1000
$1379
$230
In 65 MPH zone
$1398
$238
At-fault accident - $1000-$2000
$1507
$251
Operating a vehicle without permission
$1538
$261
At-fault accident - greater than $2000
$1550
$259
Open container
$1583
$269
Reckless driving
$1754
$292
Driving with a suspended license
$1831
$311
Racing
$1855
$309
Refusal to submit to a chemical test
$1868
$318
DUI
$1907
$318
Leaving scene of an accident/hit and run
$1983
$337
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Arlington after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Arlington.
The cheapest car insurance premiums in
Arlington are
offered by Cincinnati at $292 for a six-month policy.
However, it can be as
expensive as $2854 with companies
like Farmers.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Arlington are offered by Cincinnati
at $147. However,
it can be as expensive as $2739
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Arlington after Speeding ticket
Car insurance rates in Arlington have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Arlington rose by
$212 in December
compared to $209 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Arlington rose to $54 in December,
compared to $52 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Arlington by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Arlington. At $2003 for a
six-month policy, insuring
your car at 36722 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Arlington?
The car insurance in Arlington is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Arlington?
The cheapest car insurance in Arlington
is $90 per month
for full coverage.
How much is car insurance in Arlington for teenagers?
Car insurance for teenagers costs $153 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Arlington?
The average cost of car insurance is $936 for a six-month
policy. It will cost around $168 per month to insure your
car in Arlington.
Is car insurance expensive in Arlington?
Car insurance can be expensive in Arlington if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Arlington can be
affordable.
What is the best car insurance in Arlington,
AL?
The best car insurance company in Arlington
AL is
AutoOwners Insurance Co, offering $540 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Arlington, AL
Car Insurance Rates by State in the USA (2025 Update)
Arlington Car Insurance
