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Best Cheap Car Insurance in Arlington, TX
State Farm, AAA, USAA, Texas Farm Bureau, and Nationwide are our top picks for car insurance in Arlington, TX.
Best Value
Editor's Rating:
4.9/5
4.9/5
Average Cost in Arlington
- Full Coverage Monthly: $110
- Minimum Coverage Monthly: $58
Best for Customer Satisfaction
Editor's Rating:4.5/5
4.5/5
Average Cost Nationally
- Full Coverage Monthly: $251
- Minimum Coverage Monthly: $90
Best for Military/Veterans
Editor's Rating:5/5
5/5
Average Cost in Arlington
- Full Coverage Monthly: $149
- Minimum Coverage Monthly: $70
Last updated: July 19, 2026
Key Takeaways: Best Cheap Car Insurance in Arlington, TX
Car insurance in Arlington, TX, costs an average of $2,191 per year for full coverage, which is below the Texas state average.
State Farm offers the cheapest rates, on average, in Arlington at $1,325/year for full coverage; AAA has the best customer service record.
Texas Farm Bureau also has affordable rates and is our top pick for young drivers.
USAA offers some of the best coverage for military-affiliated drivers, while Nationwide is ideal for low-mileage drivers.
Our Top Picks for the Best Cheap Auto Insurance in Arlington, TX
- Best Value: State Farm
- Best for Customer Satisfaction: AAA
- Best for Military and Veterans: USAA
- Best for Young Drivers: Texas Farm Bureau
- Best for Low-Mileage Drivers: Nationwide
Compare the Best Cheap Auto Insurance in Arlington
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Texas Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $1,325 | $697 | Above average |
| AAA (Auto Club of Southern Calif.) | Data unavailable | Data unavailable | Above average |
| USAA | $1,786 | $840 | Above average |
| Texas Farm Bureau | $1,440 | Data unavailable | Above average |
| Nationwide | Data unavailable | Data unavailable | Above average |
| Arlington | $2,191 | $1,132 | – |
Detailed List of the Best Cheap Providers in Arlington
1. State Farm - Best Value
4.9
Editor's Rating:
- Average Arlington Rate for Minimum Coverage
- $58 mo.
- Average Arlington Rate for Full Coverage
- $110 mo.
Competitive rates for many Arlington drivers- Wide network of local agents
- Strong customer service record
Must complete quotes by phone- No accident forgiveness
Why we chose it
State Farm offers a mix of affordable rates and dependable customer service. It offers the cheapest average rates in Arlington, TX, for both full and minimum coverage, and it also has competitive rates for drivers in Texas with violations on their record.
The company’s large network of local agents also makes it easy to get personalized assistance when selecting coverage or filing a claim. It ranked above average in J.D. Power’s most recent Auto Insurance Study for the Texas region as well as in the company’s Claims Satisfaction Study.
Who it’s best for
Drivers looking for the best rates, those who want to work with a local agent, those with violations
State Farm Arlington Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $110 | $58 |
| Annually | $1,325 | $697 |
| Difference from Arlington average | -40% | -38% |
2. AAA - Best for Customer Satisfaction
4.5
Editor's Rating:
- Average Rate for Minimum Coverage
- $90 mo.
- Average Rate for Full Coverage
- $251 mo.
- Top regional customer satisfaction
- Highly rated roadside assistance benefits
- Multiple member discounts and insurance options
- Membership required
- Pricing varies by club
Why we chose it
AAA operates regional clubs around the country, through which it offers its well-known roadside assistance programs as well as insurance policies. The AAA affiliate in Texas is called Auto Club of Southern California, and it earned the highest score for customer satisfaction in J.D. Power’s Auto Insurance study.
In addition to auto insurance, AAA membership includes valuable travel and roadside benefits that can add to the overall customer experience. For drivers who value responsive service, trusted claims support, and the added security of roadside assistance, AAA offers a well-rounded insurance experience.
<strong>GOOD TO KNOW:</strong>
AAA auto insurance is only available to members, so you’ll need to sign up for one of its roadside assistance tiers if you’re not already a member. The upside is that you won’t need to add roadside assistance as a separate coverage to your auto policy.
Who it’s best for
Existing AAA members or those who want to become members, drivers looking for the best customer experience, those who want top-notch roadside assistance
3. USAA - Best for Military and Veterans
5
Editor's Rating:
- Average Arlington Rate for Minimum Coverage
- $70 mo.
- Average Arlington Rate for Full Coverage
- $120 mo.
- Competitive rates for military drivers
- Excellent customer service
- Coverage designed for military lifestyles
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA consistently provides affordable rates, highly rated customer service, and excellent claims handling to eligible drivers, which include active military members, veterans, and certain family members. Its average premiums in Arlington are well below average, and it earned the highest regional customer satisfaction score in J.D. Power’s study (it’s not technically ranked due to its restricted eligibility).
USAA also has various discounts specifically for military members, including up to 60 percent off for policyholders who put their car in storage during deployment. Those who drive less than average can also benefit from the company’s SafePilot Miles telematics program, which tracks safe driving and provides an additional discount for driving less.
Who it’s best for
Active-duty military members, veterans and eligible family members
USAA Arlington Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $120 | $70 |
| Annually | $1,786 | $840 |
| Difference from Arlington average | -19% | -26% |
4. Texas Farm Bureau - Best for Young Drivers
4.4
Editor's Rating:
- Average Texas Rate for Minimum Coverage
- $41 mo.
- Average Texas Rate for Full Coverage
- $120 mo.
- Affordable rates for Texas teens
- Strong local agent support across Texas
- Multiple discounts for policyholders
- Membership required
- Basic mobile tools
Why we chose it
Texas Farm Bureau is our top choice for young drivers in Arlington because it combines competitive pricing with personalized service from local agents who understand the needs of Texas motorists. In addition to having below-average rates in Arlington, it has the cheapest average premium for teens in Texas.
The company offers several discounts to help drivers — including teens — save, such as good student and driver training discounts and its Drive’n Save telematics program. Customers will get a discount just for signing up and an additional discount at renewal based on their driving score.
Who it’s best for
Families with teen drivers, Farm Bureau members, those looking for basic coverages
Texas Farm Bureau Arlington Pricing
| Texas Farm Bureau | Full coverage |
|---|---|
| Monthly | $120 |
| Annually | $1,440 |
| Difference from Arlington average | -34% |
5. Nationwide - Best for Low-Mileage Drivers
4.8
Editor's Rating:
- Average Rate for Minimum Coverage
- $60 mo.
- Average Rate for Full Coverage
- $162 mo.
- Pay-per-mile policies available
- Broad selection of coverage options
- Strong digital experience
- Not available in select states
- Expensive for teen drivers
Why we chose it
Drivers who spend less time on the road may qualify for additional discounts with Nationwide’s SmartMiles program compared with traditional policies. SmartMiles is a pay-per-mile program that charges a base rate and a per-mile rate, so your monthly premium changes based on how much you drive.
Nationwide also ranks highly for regional customer satisfaction and offers customizable coverage options. For drivers with leased or financed vehicles, the company offers gap coverage, which is often required. It also has new car replacement, which is helpful if you have a vehicle that’s only a few years old.
Who it’s best for
Drivers who drive less than average, those who value a great digital experience, those who need gap coverage
Arlington Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study –Texas1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| State Farm | 662 | D+ | 716 | 1.80 |
| AAA | 673 (Auto Club of Southern Calif.) | B (Auto Club of Southern Calif.) | 726 (Auto Club of Southern Calif.) | 6.05 |
| USAA | 711 | C- | 741 | 3.00 |
| Texas Farm Bureau | 651 | B | Not rated | 0.31 |
| Nationwide | 667 | C | 729 | 2.00 |
| Average | 648 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 52,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Cheapest Full Coverage Car Insurance in Arlington
State Farm offers the cheapest rates for full coverage car insurance in Arlington. Its average annual premium of $1,325 is 40 percent below the city average. Texas Farm Bureau also has competitive rates in Arlington.
| Company | Annual Arlington Average | Monthly Arlington Average |
|---|---|---|
| State Farm | $1,325 | $110 |
| Texas Farm Bureau | $1,440 | $120 |
| GEICO | $1,739 | $145 |
| USAA | $1,786 | $149 |
| Progressive | $1,982 | $165 |
| Allstate | $2,058 | $172 |
| Arlington average | $2,191 | $183 |
| Texas average | $2,821 | $235 |
| U.S. average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Arlington
State Farm also has the cheapest minimum coverage rates in Arlington at $697 per year, which is 38 percent below the city average. GEICO and Allstate have the next-cheapest rates of the companies in our dataset, with average annual premiums of $754 and $770, respectively.
| Company | Annual Arlington Average | Monthly Arlington Average |
|---|---|---|
| State Farm | $697 | $58 |
| GEICO | $754 | $63 |
| Allstate | $770 | $64 |
| USAA | $840 | $70 |
| Progressive | $888 | $74 |
| Arlington average | $1,132 | $125 |
| Texas average | $864 | $72 |
| U.S. average | $960 | $80 |
How Many Car Accidents Happen in Arlington?
There were a total of 5,317 car accidents in Arlington in 2024, according to data from the Texas Department of Transportation.5 Thirty-five of these crashes were fatal. Another 168 led to serious injuries, while around 1,200 led to minor injuries. About 1,900 accidents, the largest percentage, involved only property damage.
Minimum Auto Insurance Requirements in Texas
Texas requires the following minimum auto insurance limits:
- Bodily injury liability: $30,000 per person/$60,000 per accident
- Property damage liability: $25,000 per accident
Although you can legally drive with only the state’s minimum required coverage, purchasing higher liability limits is often a smart financial decision. If you’re responsible for a serious accident, your minimum coverage may not fully cover the resulting injuries or property damage, leaving you responsible for the remaining costs. If you own a newer or more valuable vehicle, you may also want to consider adding full coverage, which includes collision and comprehensive insurance, to help pay for damage to your own car after a covered loss.
Frequently Asked Questions
The cheapest car insurance in Texas, on average, is from Texas Farm Bureau, which also ranks above average for customer service according to J.D. Power and has a strong reputation in the state.
GEICO tends to be cheaper than Progressive in Texas. It has an average annual rate of $2,275 for full coverage, compared to Progressive’s $2,750 annually. However, it’s a good idea to get quotes from both as your rates may differ.
State Farm and AAA are very different insurers, so the better option will largely depend on what coverage you’re looking for and whether you’re an AAA member (or willing to become one). In Texas, AAA has the higher customer satisfaction rating, according to J.D. Power.
The main downsides of AAA is that it tends to be more expensive than average, and it requires membership to access its insurance products.
Sources
Auto Insurers Struggle to Maintain Seamless Interactions Across Channels, JD Power Finds. JD Power. (2026, Jun 09).
https://www.jdpower.com/business/press-releases/2026-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 27).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyResults by Complaint Index. NAIC. (2026).
https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=24112&:refreshCrashes and Injuries by Cities and Towns. Texas Department of Transportation. (2024).
https://www.txdot.gov/content/dam/docs/division/trf/crash-records/2024/14.pdf
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