Insurance Costs in Arlington, TX
Auto insurance in Arlington averages $2,238 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Arlington, TX: What You Need to Know
Arlington residents pay an average of $2,238 per year for full coverage auto insurance, which is 15.0% above the Texas state average and 33.7% above the national average.
With a population of 394,266, Arlington is one of the largest cities in Texas. Higher population density, more traffic congestion, and increased accident risk all contribute to above-average insurance rates.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $2,238 | $186 |
| Standard Coverage (50/100/50) | $1,835 | $153 |
| State Minimum (30/60/25) | $940 | $78 |
Homeowners Insurance in Arlington, TX
The average cost of homeowners insurance in Arlington is $3,002 per year ($250/month), which is 64.9% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations. Coastal or storm-prone areas may see even higher rates due to hurricane and flood risk.
Renters Insurance in Arlington, TX
Renters insurance in Arlington averages $228 per year ($19/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Texas Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Houston | $2,374/yr | $3,002/yr |
| San Antonio | $2,024/yr | $2,836/yr |
| Dallas | $2,432/yr | $3,197/yr |
| Austin | $2,102/yr | $2,641/yr |
| Fort Worth | $2,180/yr | $3,058/yr |
| El Paso | $1,712/yr | $2,280/yr |
| Corpus Christi | $1,985/yr | $3,280/yr |
| Plano | $2,063/yr | $2,724/yr |
How to Save on Insurance in Arlington
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Arlington can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Arlington, TX?
The average cost of car insurance in Arlington, TX is $2,238 per year for full coverage, or about $186 per month. Minimum coverage costs around $940 per year.
Is car insurance expensive in Arlington?
Yes, car insurance in Arlington is above both the state and national averages.
How much is home insurance in Arlington?
Homeowners insurance in Arlington costs an average of $3,002 per year. Your actual cost depends on your home's value, age, construction type, and specific location.