Auto Insurance in Arlington

The average Arlington car insurance rates are $93.75/mo and must meet Virginia's 25/50/20 minimum coverage requirements. You can forgo Arlington car insurance with a $500 Uninsured Motor Vehicle fee.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 2, 2021

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Here's what you need to know...

  • The state of Virginia offers drivers the opportunity to forgo car insurance coverage for a $500 Uninsured Motor Vehicle Fee
  • The city of Arlington is one of the safest places to drive in the U.S.
  • Insurance providers offer a variety of discounts to help individuals lower their premiums for car insurance

Finding car insurance in Arlington does not need to be a difficult task.

In most states, people must have liability coverage if they are going to register their vehicles. The interesting thing about Arlington is that residents have recommended amounts of liability insurance coverage set, but they are not forced to purchase them.

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This may seem like a great deal to a lot of people, but it’s not necessarily going to be best for you in the long term.

What are Arlington auto insurance laws?

Arlington has mandatory minimum amounts of car insurance, but it will allow its residents to forgo purchasing these minimum liability requirements if they pay what is called an Uninsured Motor Vehicle (UMV) fee.

This fee is $500, and it allows people to drive without Virginia car insurance.

Those who choose to purchase liability coverage must have the proof that they have done so in their vehicles at all times.

Those who have chosen to pay the UMV fee must carry proof of this fact, too.

The penalty for not having either type of proof is suspension of a driver’s license and vehicle registration.

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What are the car insurance liability limits for Arlington?

Drivers who will purchase the state’s minimum car insurance requirements will be buying bodily injury liability and property damage liability coverage against the possibility that they will cause an accident.

If they are to blame for the car accident, they will need to have $25,000 to pay one person’s medical bills or funeral expenses.

If more than one person has filed a claim, $50,000 must be available to meet all of these people bodily injury liability costs.

Property damage that results from the accident will need to be paid for with the property damage liability coverage. Arlington drivers will need to have purchased a $20,000 policy for this purpose.

What’s the law for driving without car insurance?

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Since Arlington is located within a tort state, drivers have no restrictions placed on them with regard to lawsuits.

When someone’s negligence causes them to run into another vehicle, the driver and passengers may sue the at-fault driver for all of their medical bills.

A driver who doesn’t have car insurance will have to pay for everything out-of-pocket, including having to pay lawyers to represent them in court.

Proof of insurance should be kept in the vehicle at all times. This may be an insurance card or policy declaration page.

When they are ordered to pay everyone’s bills, they will have to meet these obligations by whatever means necessary.

Arlington rates for car insurance are among some of the lowest city car insurance rates in the country. Because it’s so inexpensive, people have no reason to risk losing everything to keep from purchasing auto insurance.

What are the car insurance safety laws in Arlington?

For driving, there’s no place safer than Arlington.

Of all the cities in the country that have a population over 150,000, Arlington has the fewest deaths due to car accidents in the group.

According to federally recorded crash data, 0.48 deaths occur for every 100,000 accidents in Arlington, making this the lowest number of deadly accidents in the country.

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Are there affordable rates in Arlington?

Because of fewer fatalities, car insurance can be quoted for lower prices than it would be in Fort Lauderdale, Florida, the city that experiences the most deaths due to auto accidents.

The average rate for car insurance comes to $1,125 for Arlington drivers, however, the rates may vary between insurance companies.

Because of the low fatality rate, people may expect low insurance quotes. They can still do things to encourage car insurance agencies to lower their auto insurance rates even further.

One way is to increase their deductibles. With a higher deductible, policyholders assume more of the risk from the insurance company. Whenever their clients agree to take on more risk, the insurance agencies can give them lower rates in return.

What are the car insurance limits?

Arlington drivers may want to proceed with the next suggestion with caution. They can lower their limits on the coverage they choose to purchase for lower state car insurance rates.

They need to be careful not to lower their limits too much, or else they may be in danger of not having enough insurance to cover the expenses that could present themselves in the future.

How to find discounts for car insurance

Car insurance companies in Arlington that sell homeowner’s insurance, life insurance, health insurance and auto insurance will give Arlington residents car insurance discounts when they purchase multiple policies with their one company.

In addition, most companies have a series of discounts they offer, including:

  • Defensive Driving – These courses refresh Arlington residents’ driving skills and teach them the new rules of the road that have been enacted since they first had driver’s education.
  • Good Students – Teen drivers also have to look diligently for ways to lower their car insurance because they are members of a demographic that has the most car accidents. If they can show their agencies that they have a B grade point average or better, they will receive the good student discount.
  • Car Safety Rating – The latest anti-theft technology helps to keep vehicles from being stolen, and this is news that car insurance companies like to hear. They will give discounts for installations that prevent theft or make the car safer.
  • Driving Record – People who have a driving record with too many points will be subject to higher auto insurance rates. If these people work hard to not receive any tickets throughout the year, their driving records will look better to insurance companies, and they will lower these clients’ rates.
  • Safe Driving – The ones that will be are those where the driver caused the accident. Becoming a safer driver and not causing any new accidents will result in lower premiums.
  • Driving Habits and Location -People who live in the cities have more vehicles around them and, therefore, they have a higher risk of being involved in a car accident. By moving to a rural area, they lower their chances of either hitting or being hit by another car and their insurance rates can also be lower.
  • Credit Rating – A lower credit score suggests that an Arlington driver is unreliable and irresponsible. Arlington auto insurance agencies quote these people the highest rates. If they work to raise their credit scores, they should be able to receive a break on those rates because they will be less of a risk to the insurance agencies. Arlington car insurance rates by credit tier indicate that as credit gets better, drivers pay less. Switching from a poor credit to excellent can save up to $50 per month, but even from a poor credit to average can cut up to $20 per month

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How to compare auto insurance in Arlington

It may be the case that these car insurance companies will refuse to lower their rates. They may be persuaded to do so if the drivers research multiple quotes from competing companies and find lower prices elsewhere.

Drivers who compare quotes may find that other Arlington car insurance companies and agencies would be willing to sell them an auto insurance policy for a lot less than their current payment.

If these drivers would like to remain with their current companies, they can show these quotes to their insurance agents and see if that entices them to lower their rates.

If it doesn’t work, these drivers have a place to go where the insurance agents will be able to give them the coverage they need for a much better price.

Arlington typically has low rates for car insurance.

Any drivers who have something on their records that makes Arlington car insurance companies charge them high rates can improve their situations by raising their credit scores or becoming safer drivers.

Teenage drivers will pay higher auto insurance rates, but rates may go down with age. People in their 70s pay less than teens.

They also have our comparison website that can bring them cheap auto insurance prices for liability coverage.

All Arlington drivers should compare quotes from multiple companies. Try our FREE tool below by entering your zip code now!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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