Freedom Insurance Group helps you compare auto insurance quotes in Arlington, TN. Coverage gets matched to the vehicles you really drive, after shopping 25+ carriers.
Arlington, Tennessee: average car insurance rates
Comparison only — the amounts shown are illustrative averages and estimates, and none is a guaranteed quote. Your real premium turns on drivers, vehicles, ZIP, limits and deductibles, credit (where allowed), and claims history.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Tennessee | $155.80 |
| Arlington, Tennessee | $150.92 |
Car Insurance Rates by Driver’s Age Group in Arlington
Arlington, TN: cheapest car insurance companies
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Progressive | $132.72 |
| 2 | Elephant | $132.99 |
| 3 | Kemper BVP | $140.88 |
| 4 | Allstate | $141.88 |
| 5 | GEICO | $142.89 |
| 6 | Travelers | $143.07 |
| 7 | Bristol West | $149.45 |
| 8 | Safeco | $150.15 |
| 9 | Lemonade | $163.21 |
| 10 | Chubb | $169.90 |
Check Out Other Rates in Arlington, TN Nearby Cities:
Arlington driving and insurance context
Arlington is home to roughly 11,625 residents and lies within Shelby County. The population is roughly 11,625. Flood considerations near rivers and low spots add to the tornado and storm risk built into much of Tennessee pricing.
Each trip pattern tells carriers something different about weekend highway miles, longer metro commutes, and short school runs around Arlington. Local weather, especially severe storms, flooding in low spots, and foggy river corridors, also shapes comprehensive claims and, over time, the rates carriers file for the surrounding ZIP codes. That is why two neighbors in Arlington can see different premiums even with similar vehicles: construction of the car, credit-based insurance score where allowed, prior claims, and exact garaging address all move the quote.
Anyone new to the Shelby County area should spend a few minutes checking how they use the vehicle. Rates respond more to how and by whom the car is driven than a minor trim difference: teen drivers, rideshare work, and highway-heavy commutes each move the price. When you request a quote, tell us how the car is really driven so we can match carriers that price that profile sharply.
How long you have owned the car and its safety equipment interact with discounts in ways many Arlington drivers underestimate. Carriers do not all weight anti-theft devices, automatic emergency braking, or continuous coverage the same way. An independent agent can translate those quirks into a shortlist instead of having you re-enter the same application on ten websites.
Keep the declarations pages from your current policy handy; that small step saves time. Start with limits, deductibles, and listed drivers; nothing builds faster a like-for-like Arlington comparison. If a quote looks dramatically cheaper, check whether liability limits dropped, comprehensive disappeared, or a household driver was omitted.
Arlington in brief
Arlington is home to roughly 11,625 residents and lies within Shelby County.
Arlington lies within the Shelby County area, and there everyday insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Roof age, construction type, and replacement cost explain most of the block-to-block price gaps across the single-family homes typical of the Shelby County area.
Flood considerations near rivers and low spots add to the tornado and storm risk built into much of Tennessee pricing.
Coverage explainers for Arlington drivers
The Tennessee minimum keeps you legal, yet it rarely matches the cost of a serious injury or a newer financed car. Comparing quotes for Arlington? work through the outline below.
- Bodily injury and property damage liability: If a crash is your fault, it pays the other side. Home equity, savings, or a long commute through dense traffic all argue for raise your limits.
- Collision: Pays for your vehicle’s damage in a crash with a car or object, less your deductible.
- Comprehensive: Covers theft, hail, broken glass, animal strikes, and many non-crash losses, especially relevant where severe weather is common.
- UM / UIM: Protects you if the at-fault driver has little or no insurance. Before you waive UM/UIM, learn your state’s rules.
- Medical payments or PIP: State rules govern availability and stacking, but the purpose is the same: paying medical bills for you and your passengers after a crash.
- Rental reimbursement coverage: Keeps you on the road while repairs from a covered claim are underway by paying toward a rental car.
- Roadside assistance: Tows, jump starts, and lockout service, often cheaper as a policy add-on than a separate auto club.
- Umbrella coordination and higher liability limits: Umbrellas require certain underlying limits, so your auto limits need to match.
Lenders and lessors nearly always insist on collision and comprehensive for Arlington vehicles. If your car is older and paid off, we can model dropping collision only after you understand the out-of-pocket risk. In ZIP codes that see frequent storms, glass and hail deductibles deserve extra attention.
Tips to cut car insurance rates in Arlington
Rate shopping is not only about finding the lowest binder price. The savings that last usually start with multi-policy and multi-car credits before you raise deductibles, followed by a market check every policy term.
- Compare at least several carriers each renewal. Carrier appetite changes after storm seasons and loss trends. The cheapest Arlington carrier changes: what led last year may not lead now.
- Bundle when it actually saves. Look at the total for home and auto together, not the auto line by itself; a bundle saves only when the total comes out ahead. Begin the process at /get-a-quote/auto-quote, noting any homeowners or renters policy you already hold.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,006.74, far above adult buckets near $99. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Choose telematics thoughtfully. Usage-based plans may reward gentle acceleration and low overnight mileage, but hard braking and late-night driving can cancel the discount.
- Keep continuous coverage. Even a short gap often cost more than the months you skipped.
- List the real garaging address. If the car sleeps in Arlington but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paying in full, and professional affiliations. Combined, these credits can move a competitive quote, even though each is small alone.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. To keep underwriting from guessing, share them at your Arlington quote review.
Arlington discounts to ask about
- Multi-policy — auto paired with home or renters.
- Multi-car — more than one vehicle with the same carrier.
- Safe driver / claims-free — clean records often price better.
- Good student & driver training — worth asking about when teens are on the policy.
- Usage-based / telematics — optional programs that reward safer habits.
- Paperless, autopay, and paid-in-full — small discounts that stack together.
- Anti-theft & safety equipment — varies by vehicle and carrier.
No discount replaces shopping. The same advertised discounts can still leave two carriers fifty dollars apart for one Arlington driver.
What tends to change quotes in Arlington
Reviewing an application from Arlington, carriers consider far more than the vehicle’s sticker price. Even with a clean credit file, prior bodily injury claims, comprehensive weather losses, and coverage lapses can count for more. With a fairly new vehicle, long continuous coverage and a modest annual mileage estimate help the rate.
If you work from home some days, ask whether your mileage estimate should change. Many Arlington households still carry commuting assumptions from a prior job and overpay for miles they no longer drive. The opposite is also true: if you added a longer commute around the Shelby County area, update the application before a claim creates a mismatch.
Deductibles and limits for local weather
Because severe storms, flooding in low spots, and foggy river corridors show up in regional loss data, comprehensive deductibles deserve a deliberate choice in Arlington. No garage? A lower glass deductible may be worthwhile. A higher comprehensive deductible may make sense if you have reserves and want to trim premium on a paid-off vehicle.
Liability limits should reflect assets and risk tolerance, not only the state minimum. A serious at-fault accident on a busy corridor near Arlington can exceed minimum limits quickly. Expect us to walk through scenarios so you understand the numbers you buy.
Freedom Insurance Group for Arlington drivers
We never invent AM Best ratings, and we do not claim every carrier is appointed for every niche. We explain the tradeoffs in plain language, shop the markets we can access, and help you choose limits that fit how you actually drive in Arlington and the wider Shelby County area.
Reach us at (800) 253-1482, or open a free auto quote on the website. Want homeowners coverage as well? Begin on the home quote form, and we will compare bundling options with no pressure.
We will ask about drivers, vehicles, garaging ZIP, desired liability limits, and any recent claims. Those details, rather than this page’s averages, are what build a shortlist of real, bindable quotes for your family.
Arlington by the numbers: commuting, vehicles, and weather
Across about 4,837 households in Arlington, 30% own at least three vehicles and 54% have two. So multi-car credits and driver-to-vehicle assignment are worth checking on most policies.
Census Bureau estimates (ACS 2020–2024) put the average one-way commute from Arlington at about 27 minutes. Among workers, 78% drive alone, 5.7% carpool, and 15% work from home. With that many remote workers, the mileage estimate deserves a fresh look.
The NOAA Storm Events Database records 14 hail reports within about 6 miles of Arlington from 2016 through 2025. The largest stones measured 1.5 inches near Brunswick in July 2024. Stones that large can dent hoods and roofs and chip glass, which falls under comprehensive coverage. NOAA also logged 5 flash-flood reports nearby, the latest in August 2023; only comprehensive coverage pays for a flood-damaged vehicle.
By 2020–2024 Census estimates, Arlington packs about 15,205 residents into roughly 24 square miles of land, a density of about 640 people per square mile. Memphis, about 20 miles southwest, is the nearest Tennessee city above 100,000 people. Frequent drives to Memphis should be counted in your mileage.
Census counts put Arlington at 2,569 residents in 2000 and 11,517 in 2010, and the Census Bureau’s July 2024 estimate is 15,550. Growth since 2000 comes to roughly 505%. The NOAA Storm Prediction Center database shows 19 tornadoes that began within 10 miles of Arlington from 1950 through 2015; the most powerful, rated F2, touched down on May 24, 1971. NOAA ties that tornado to 22 injuries.
Looking at nearby towns? See our car insurance pages for Lakeland (4 mi), Bartlett (9 mi), and Mason (13 mi).
ZIP codes in and near Arlington that we insure
38036 · 38002
More Tennessee coverage pages
Get car insurance quotes in Arlington, TN
Freedom Insurance Group compares 25+ carriers for Arlington residents. Reach us at (800) 253-1482, or open a free auto quote on the website.
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