Arlington, TX
Insuring your car and home in Arlington, TX
How Arlington households can compare car and home coverage, with local Census data. A quote is not a binder.
In Arlington (403,672 people), 72% of workers commute by driving alone, compared with 71% across Texas. Homeownership runs at 54%.
Cars, commutes, and households in Arlington
| Measure | Arlington | Texas |
|---|---|---|
| Drive alone to work | 72% | 71% |
| Carpool | 11% | 10% |
| Work from home | 13% | 14% |
| Commute of 45 minutes or more | 15% | 17% |
| Commute under 15 minutes | 21% | 25% |
| Households with no vehicle | 5% | 5% |
| Households with 3 or more vehicles | 22% | 22% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Arlington commutes are similar than the Texas norm, with 15% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Only 13% of Arlington workers mostly work from home, below the Texas share of 14%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
Vehicle counts vary: 22% of households in Arlington have at least three vehicles (Texas: 22%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Owning a home in Arlington
Census figures put Arlington's median home value at $304,700 (Texas: $283,800) and its median year built at 1986. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
Benchmark: $2,479 was the average 2023 Texas HO-3 premium at the $300,000–$324,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Arlington drivers
The state minimum is 30/60/25. Additional requirement: none beyond liability (PIP and UM must be rejected in writing). See our state minimums guide for how these compare across our ten states.
Bundling auto and home in Arlington
With 54% of households owning their home, bundling is an option for most Arlington families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Local risks for Arlington cars and homes
Insurers in Texas price for large hail and Gulf hurricanes near the coast. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
How Arlington compares in Texas
Fort Worth: 72% drive alone, 17% commute 45+ minutes, median home $303,000. In Houston, 42% own their home and 14% of households have three or more vehicles. San Antonio shows 14% working from home and a median home value of $235,700. For share of 45-minute-plus commutes, Arlington is 11th of 30 Texas cities on this site.
What to have ready for a Arlington quote
- Recent claims or violations
- Everyone in the household who drives
- Mortgage company for the home
- Current declarations pages for auto and home
- Your Arlington address, square footage, and year built
- VINs from registrations or the dashboard
Questions from Arlington drivers and homeowners
What are the minimum car insurance limits for Arlington drivers?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do Arlington drivers have long commutes?
About 15% of Arlington workers commute 45 minutes or more and 21% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Arlington?
There is no single price. As context, Texas HO-3 policies averaged $2,864 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Arlington
Auto and home insurance in Texas
Last updated October 15, 2026 · How we research