Located in the Mid-Cities region of Texas, Arlington’s a big, bustling city with traffic woes that in recent years ranked it at number eight among the top 10 U.S. cities with the worst traffic commutes. Many Arlington residents work outside city limits, with a commute that typically takes them to jobs that are 12 miles away in the Fort Worth area or 20 miles away in Dallas. Arlington drivers spend around 32 minutes every morning on congested highways that link the three cities and around the same length of time on the drive home from work — averaging a total travel time of more than 60 minutes daily. That won’t stop many who live in this Texan sports hub from heading out to see the Texas Rangers or the Dallas Cowboys play!
Get Low-Cost Texas Auto Insurance
- In 2021, Arlington’s average annual car insurance premium for full coverage is $1,508 — that’s nearly 6.4% more than the yearly statewide average of $1,415.
- Arlington reported 26 fatal crashes in 2019 that resulted in 28 fatalities, roughly 1.5% of all fatal crashes in Texas that year.
Your zip code and your age are two factors that insurers use to determine your car insurance rates. Statistics from the zip code area, including the average number of accidents, average income, population, and crime rates, are also typically factored in. Because younger drivers have not had much time on the road, they are considered high risk and will normally pay more for coverage than more experienced drivers.
A driving record with no accidents or tickets will keep your rates low.
Driving Conditions in Arlington
How Many Fatal Accidents Happen in Arlington?
In 2019, Texas reported 1,764 fatal crashes that resulted in 1,867 deaths. Compared to the state, Arlington had a much lower number, with figures from the Texas Department of Transportation showing that this metropolitan area had a total of 26 fatal crashes resulting in 28 deaths that same year.
Of those crashes in the Arlington area, seven were alcohol-related, with blood-alcohol levels above the legal limits. These DUI crashes resulted in nine deaths. This is roughly 1.64% of the 428 crashes that occurred throughout Texas during 2019.
How Are the Road Infrastructure and Bridges in Arlington?
Arlington’s highway and transportation network is served by two Interstate Highways — I-20 and I-30 — that both run east and west. Limited-access freeways include U.S. Highway 287 and State Highway 360. Arlington drivers are also in close proximity to State Highway 161 (the George Bush Turnpike), which runs north and south and makes any commute in the Metroplex a roughly 30-minute drive.
Roads deteriorate, potholes form, bridges and guardrails age, and surfaces wear down. The City of Arlington Public Works & Transportation Department takes care of repairs, filling the potholes and placing signs, and carries out major projects, like maintaining bridges, repairing traffic and streetlights, and keeping highways clear of debris.
In 2021, the American Society of Civil Engineers (ASCE) released its report card for infrastructures across the U.S. and gave Texas an overall grade of C. While the ASCE gave the state’s bridges and public transit a B-, the organization gave Texas’ highways and roads a D+ for not properly distributing the funds and resources generated by the state’s gas tax to keep up with the state’s projected growth.
Minimum Car Insurance Requirements in Arlington
Texas is an at-fault state in terms of minimum coverage requirements, though its insurance requirements make it more of a “comparative fault” state. In Texas, each driver has to take financial responsibility for any crash in which they are more than 50% at fault. For this reason, most Texas drivers carry liability insurance.
Texas Transportation Code §601.072 details the minimum amount of car insurance drivers must carry in the state, which is 30/60/25. That means car insurance coverage must provide:
- $30,000 for bodily injury to or death of one person in one accident;
- $60,000 for bodily injury to or death of two or more persons in one accident, and
- $25,000 for damage to or destruction of property of others in one accident.
Factors Allowed in Arlington Car Insurance Rates
Across the country, there are criteria insurers use to determine your car insurance rates. In Arlington, Texas, the criteria used are:
- Marital status
- Credit score
- Driving record
- Level of coverage
Discounts for Car Insurance in Arlington
If you’re an Arlington driver looking to save money, you might want to take advantage of discounts available through your auto insurance carrier. These might include:
- Good driver discount
- Multi-car discount
- Anti-theft discount
- Student discount
- Military discount
- Multi-policy discount
- Mature, retired, or senior discount
What Are the Penalties for Driving Without Insurance in Arlington?
Auto insurance is not an option in the state of Texas — it’s mandatory. Drivers must carry the minimum amount of coverage or pay penalties, especially those found driving without coverage. First offense uninsured drivers can expect to pay fines between $175 and $350. That amount rises dramtically if you’re caught driving without insurance again. Fines for second offenders within three years of an initial offense will cost between $350 and $1,000. A repeat offender also risks having their license revoked and their vehicle impounded.