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Your car insurance costs may change based on your driving history, age, coverage requirements and other factors.

State Farm is the cheapest company in Irving for minimum and full coverage insurance. It also offers the lowest rates for drivers with speeding tickets, at-fault accidents and military backgrounds.

Meanwhile, Mercury has the most affordable policies for drivers with DUIs. Teen drivers can get the cheapest rates from Nationwide.

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2023

Cheapest and Best Car Insurance in Irving, TX

Cheapest Minimum Liability Car Insurance in Irving

MoneyGeek's research shows these companies offer the cheapest minimum coverage car insurance in Irving:

  • State Farm: $366 per year
  • Texas Farm Bureau Insurance: $414 per year

At approximately $1,207 per year, Dairyland is the priciest insurance company in the city.

State Farm also offers the cheapest car insurance in Texas at about $300 per year. Its rates in Irving are a bit higher because insurance premiums can change based on location.

Company
Annual Premium
Monthly Premium

State Farm

$341

$28

Texas Farm Bureau

$360

$30

State Farm

$366

$31

Texas Farm Bureau

$414

$34

Mercury

$421

$35

Allstate

$438

$36

State Farm

$447

$37

Allstate

$448

$37

Mercury

$458

$38

Texas Farm Bureau

$531

$44

Mercury

$545

$45

AAA Texas

$546

$45

Allstate

$548

$46

Nationwide

$554

$46

GEICO

$564

$47

AAA Texas

$576

$48

Nationwide

$581

$48

GEICO

$592

$49

Progressive

$593

$49

Progressive

$606

$51

GEICO

$645

$54

Chubb

$660

$55

State Farm

$676

$56

AAA Texas

$700

$58

Progressive

$714

$60

National General

$715

$60

Texas Farm Bureau

$724

$60

Chubb

$725

$60

Foremost

$736

$61

National General

$738

$62

State Farm

$741

$62

Nationwide

$784

$65

Foremost

$862

$72

Allstate

$865

$72

Texas Farm Bureau

$870

$73

National General

$909

$76

Nationwide

$928

$77

Allstate

$937

$78

Mercury

$952

$79

State Farm

$957

$80

GEICO

$982

$82

Mercury

$997

$83

GEICO

$1,002

$84

Foremost

$1,011

$84

Texas Farm Bureau

$1,075

$90

AAA Texas

$1,115

$93

AAA Texas

$1,122

$93

Nationwide

$1,138

$95

Dairyland

$1,169

$97

GEICO

$1,173

$98

Dairyland

$1,207

$101

Allstate

$1,256

$105

Chubb

$1,272

$106

Mercury

$1,299

$108

Chubb

$1,322

$110

Nationwide

$1,379

$115

Dairyland

$1,430

$119

AAA Texas

$1,463

$122

Progressive

$1,487

$124

National General

$1,512

$126

Chubb

$1,522

$127

Progressive

$1,548

$129

Foremost

$1,565

$130

National General

$1,652

$138

Foremost

$1,671

$139

National General

$1,864

$155

Progressive

$1,941

$162

Dairyland

$2,011

$168

Foremost

$2,094

$174

Dairyland

$2,236

$186

Chubb

$2,377

$198

Dairyland

$2,746

$229

Texas sets the drivers' minimum coverage requirements, encompassing bodily injury and property damage. The coverage limits are:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Bodily injury liability insurance pays for costs related to injuries to other people in an accident you caused.

For example, say you have $30,000 in bodily injury liability. In that case, your insurance company should pay up to $30,000 for medical care for an injured person. If the costs are higher, you pay the remainder out of pocket.

Cheapest Full Coverage Car Insurance in Irving

According to MoneyGeek, your cheapest full coverage insurance options in Irving, TX, are:

  • State Farm: $741 per year
  • Texas Farm Bureau Insurance: $870 per year

With an annual cost of $2,236, Dairyland again has the most expensive policies in the city.

State Farm also offers the cheapest full-coverage car insurance in all of Texas at around $711 per year. Irving is a bit more expensive than average because the cost of living is a bit higher than the statewide average.

Company
Annual Premium
Monthly Premium

State Farm

$341

$28

Texas Farm Bureau

$360

$30

State Farm

$366

$31

Texas Farm Bureau

$414

$34

Mercury

$421

$35

Allstate

$438

$36

State Farm

$447

$37

Allstate

$448

$37

Mercury

$458

$38

Texas Farm Bureau

$531

$44

Mercury

$545

$45

AAA Texas

$546

$45

Allstate

$548

$46

Nationwide

$554

$46

GEICO

$564

$47

AAA Texas

$576

$48

Nationwide

$581

$48

GEICO

$592

$49

Progressive

$593

$49

Progressive

$606

$51

GEICO

$645

$54

Chubb

$660

$55

State Farm

$676

$56

AAA Texas

$700

$58

Progressive

$714

$60

National General

$715

$60

Texas Farm Bureau

$724

$60

Chubb

$725

$60

Foremost

$736

$61

National General

$738

$62

State Farm

$741

$62

Nationwide

$784

$65

Foremost

$862

$72

Allstate

$865

$72

Texas Farm Bureau

$870

$73

National General

$909

$76

Nationwide

$928

$77

Allstate

$937

$78

Mercury

$952

$79

State Farm

$957

$80

GEICO

$982

$82

Mercury

$997

$83

GEICO

$1,002

$84

Foremost

$1,011

$84

Texas Farm Bureau

$1,075

$90

AAA Texas

$1,115

$93

AAA Texas

$1,122

$93

Nationwide

$1,138

$95

Dairyland

$1,169

$97

GEICO

$1,173

$98

Dairyland

$1,207

$101

Allstate

$1,256

$105

Chubb

$1,272

$106

Mercury

$1,299

$108

Chubb

$1,322

$110

Nationwide

$1,379

$115

Dairyland

$1,430

$119

AAA Texas

$1,463

$122

Progressive

$1,487

$124

National General

$1,512

$126

Chubb

$1,522

$127

Progressive

$1,548

$129

Foremost

$1,565

$130

National General

$1,652

$138

Foremost

$1,671

$139

National General

$1,864

$155

Progressive

$1,941

$162

Dairyland

$2,011

$168

Foremost

$2,094

$174

Dairyland

$2,236

$186

Chubb

$2,377

$198

Dairyland

$2,746

$229

You get broader protections from a full-coverage policy than a minimum-coverage one. Full coverage provides collision and comprehensive coverage along with the state’s liability requirements.

  • Collision Coverage: Deals with your vehicle’s repair or replacement costs after a covered collision
  • Comprehensive Coverage: Pays for damages caused by non-collision incidents like theft or natural disasters

If your car is new, consider full coverage insurance to protect your investment. But if you have an older vehicle, the expense of full coverage insurance may not be worth it.

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Cheapest Car Insurance in Irving After a Driving Offense

MoneyGeek’s analysis reveals the most affordable car insurance providers in Irving if you have a driving violation are:

  • Speeding Ticket: State Farm ($741 per year)
  • At-Fault Accident: State Farm ($923 per year)
  • DUI: Mercury ($1,296 per year)

Conversely, these providers feature the highest premiums after a driving offense:

  • Speeding Ticket: Dairyland ($2,744 per year)
  • At-Fault Accident: Foremost ($3,611 per year)
  • DUI: Chubb ($2,981 per year)

Even with inexpensive insurance providers, driving violations can result in higher premiums.

Company
Annual Premium
Monthly Premium

State Farm

$341

$28

Texas Farm Bureau

$360

$30

State Farm

$366

$31

Texas Farm Bureau

$414

$34

Allstate

$438

$36

State Farm

$439

$37

State Farm

$447

$37

Allstate

$448

$37

State Farm

$467

$39

Texas Farm Bureau

$531

$44

Allstate

$548

$46

State Farm

$558

$46

Mercury

$589

$49

Mercury

$602

$50

GEICO

$639

$53

Progressive

$656

$55

Texas Farm Bureau

$657

$55

Nationwide

$657

$55

GEICO

$672

$56

State Farm

$676

$56

State Farm

$681

$57

Nationwide

$684

$57

GEICO

$699

$58

Mercury

$705

$59

Texas Farm Bureau

$706

$59

State Farm

$709

$59

Progressive

$711

$59

Chubb

$713

$59

Progressive

$718

$60

Mercury

$721

$60

Texas Farm Bureau

$724

$60

Mercury

$733

$61

AAA Texas

$733

$61

State Farm

$741

$62

Allstate

$749

$62

Mercury

$761

$63

Allstate

$768

$64

AAA Texas

$774

$64

GEICO

$775

$65

Progressive

$778

$65

Chubb

$783

$65

Progressive

$791

$66

State Farm

$799

$67

Allstate

$800

$67

National General

$811

$68

Allstate

$821

$68

National General

$823

$69

AAA Texas

$825

$69

Foremost

$828

$69

Texas Farm Bureau

$830

$69

GEICO

$834

$70

National General

$837

$70

GEICO

$852

$71

State Farm

$853

$71

Progressive

$853

$71

National General

$856

$71

AAA Texas

$864

$72

Allstate

$865

$72

Texas Farm Bureau

$870

$73

AAA Texas

$870

$73

Foremost

$886

$74

Mercury

$891

$74

Nationwide

$896

$75

Texas Farm Bureau

$908

$76

AAA Texas

$913

$76

State Farm

$923

$77

Nationwide

$925

$77

Allstate

$937

$78

Allstate

$939

$78

Progressive

$942

$78

AAA Texas

$942

$79

State Farm

$957

$80

Texas Farm Bureau

$960

$80

Nationwide

$961

$80

Foremost

$977

$81

Chubb

$985

$82

GEICO

$995

$83

GEICO

$995

$83

Allstate

$1,004

$84

National General

$1,029

$86

National General

$1,031

$86

Progressive

$1,039

$87

Foremost

$1,054

$88

Mercury

$1,055

$88

AAA Texas

$1,059

$88

Texas Farm Bureau

$1,075

$90

Chubb

$1,082

$90

GEICO

$1,087

$91

Progressive

$1,093

$91

Foremost

$1,106

$92

AAA Texas

$1,111

$93

National General

$1,121

$93

Nationwide

$1,151

$96

Mercury

$1,154

$96

Nationwide

$1,157

$96

State Farm

$1,162

$97

Foremost

$1,165

$97

GEICO

$1,165

$97

GEICO

$1,166

$97

National General

$1,173

$98

Nationwide

$1,187

$99

Dairyland

$1,187

$99

Dairyland

$1,225

$102

Nationwide

$1,239

$103

Allstate

$1,256

$105

Texas Farm Bureau

$1,256

$105

Texas Farm Bureau

$1,258

$105

Chubb

$1,290

$107

State Farm

$1,291

$108

Mercury

$1,296

$108

GEICO

$1,301

$108

Nationwide

$1,329

$111

National General

$1,343

$112

State Farm

$1,361

$113

Mercury

$1,371

$114

Chubb

$1,375

$115

Nationwide

$1,382

$115

GEICO

$1,409

$117

Allstate

$1,414

$118

Chubb

$1,417

$118

Chubb

$1,429

$119

GEICO

$1,436

$120

Texas Farm Bureau

$1,444

$120

Dairyland

$1,453

$121

Texas Farm Bureau

$1,463

$122

Mercury

$1,464

$122

AAA Texas

$1,464

$122

AAA Texas

$1,467

$122

Allstate

$1,493

$124

Allstate

$1,507

$126

Dairyland

$1,557

$130

GEICO

$1,569

$131

Nationwide

$1,570

$131

Allstate

$1,585

$132

Nationwide

$1,588

$132

State Farm

$1,600

$133

Mercury

$1,615

$135

AAA Texas

$1,626

$136

AAA Texas

$1,628

$136

Chubb

$1,645

$137

Mercury

$1,658

$138

Dairyland

$1,663

$139

AAA Texas

$1,698

$142

AAA Texas

$1,699

$142

Nationwide

$1,702

$142

Dairyland

$1,732

$144

Mercury

$1,733

$144

Texas Farm Bureau

$1,749

$146

Progressive

$1,751

$146

National General

$1,758

$146

GEICO

$1,763

$147

Progressive

$1,771

$148

Dairyland

$1,775

$148

Foremost

$1,786

$149

Texas Farm Bureau

$1,789

$149

GEICO

$1,838

$153

GEICO

$1,841

$153

Foremost

$1,850

$154

National General

$1,875

$156

Dairyland

$1,885

$157

Progressive

$1,899

$158

Chubb

$1,902

$158

Foremost

$1,910

$159

AAA Texas

$1,919

$160

Foremost

$1,920

$160

Progressive

$1,927

$161

Mercury

$1,948

$162

National General

$1,968

$164

Nationwide

$1,969

$164

Chubb

$1,977

$165

National General

$1,985

$165

Allstate

$2,020

$168

Dairyland

$2,030

$169

Dairyland

$2,055

$171

Foremost

$2,067

$172

Nationwide

$2,083

$174

National General

$2,111

$176

Allstate

$2,128

$177

AAA Texas

$2,132

$178

Progressive

$2,162

$180

Nationwide

$2,183

$182

Foremost

$2,202

$184

Texas Farm Bureau

$2,212

$184

AAA Texas

$2,226

$186

Dairyland

$2,254

$188

Chubb

$2,276

$190

Progressive

$2,310

$193

Foremost

$2,321

$193

Foremost

$2,323

$194

National General

$2,337

$195

Mercury

$2,380

$198

Mercury

$2,399

$200

Progressive

$2,424

$202

National General

$2,425

$202

Foremost

$2,446

$204

Chubb

$2,491

$208

Progressive

$2,510

$209

Chubb

$2,569

$214

Chubb

$2,590

$216

Nationwide

$2,602

$217

National General

$2,636

$220

National General

$2,691

$224

Dairyland

$2,744

$229

Dairyland

$2,765

$230

Dairyland

$2,769

$231

Progressive

$2,877

$240

Chubb

$2,981

$248

Dairyland

$3,102

$258

Dairyland

$3,122

$260

Dairyland

$3,271

$273

Dairyland

$3,481

$290

Chubb

$3,556

$296

Foremost

$3,611

$301

Foremost

$4,197

$350

Foremost

$4,286

$357

Chubb

$4,659

$388

Generally, the rate increase after an accident is associated with the violation's severity.

In Irving, your car insurance may increase by $327 more with a DUI than with a speeding ticket. But, it’s still possible to find cheap car insurance after a bad driving record by comparing offers.

Cheapest Car Insurance in Irving for Teens and Their Families

Per MoneyGeek’s analysis, the following providers offer the cheapest car insurance in Irving for teenage drivers on family plans:

  • Nationwide: $1,655 per year for female teens; $1,886 per year for male teens
  • State Farm: $1,958 per year for female teens; $2,368 per year for male teens

Allstate has the city's most expensive premiums for teen drivers at roughly $6,780 and $7,979 for female and male teens, respectively.

Insurance companies usually consider male teen drivers riskier to insure than female teens, resulting in higher premiums. However, the difference in rates disappears during early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$696

$3,253

State Farm

$811

$3,790

State Farm

$832

$4,424

State Farm

$873

$4,083

Nationwide

$1,086

$2,475

Nationwide

$1,098

$2,663

Nationwide

$1,147

$3,322

State Farm

$1,163

$3,908

Nationwide

$1,216

$3,815

Nationwide

$1,222

$2,786

Nationwide

$1,240

$3,110

State Farm

$1,274

$4,685

Nationwide

$1,288

$2,937

Nationwide

$1,298

$3,147

State Farm

$1,306

$4,388

Nationwide

$1,310

$3,559

Nationwide

$1,376

$3,338

State Farm

$1,379

$5,413

State Farm

$1,437

$4,827

State Farm

$1,529

$6,462

Nationwide

$1,542

$5,414

State Farm

$1,556

$5,722

Nationwide

$1,573

$6,364

State Farm

$1,597

$5,958

Nationwide

$1,608

$4,658

GEICO

$1,639

$3,046

Nationwide

$1,655

$6,881

GEICO

$1,656

$3,676

GEICO

$1,660

$2,935

GEICO

$1,679

$3,121

GEICO

$1,683

$2,976

Nationwide

$1,690

$6,837

GEICO

$1,694

$3,674

GEICO

$1,719

$3,355

Allstate

$1,720

$2,299

Nationwide

$1,744

$6,925

GEICO

$1,753

$3,259

GEICO

$1,755

$3,365

State Farm

$1,758

$7,336

GEICO

$1,776

$3,140

Nationwide

$1,793

$8,055

Nationwide

$1,811

$5,683

Allstate

$1,852

$2,369

Nationwide

$1,886

$8,714

State Farm

$1,900

$8,166

State Farm

$1,914

$7,141

Nationwide

$1,927

$8,659

GEICO

$1,945

$4,923

State Farm

$1,954

$8,153

State Farm

$1,958

$9,028

GEICO

$1,962

$4,356

GEICO

$2,019

$5,014

GEICO

$2,051

$4,446

Allstate

$2,086

$2,788

GEICO

$2,110

$5,890

Allstate

$2,120

$3,272

State Farm

$2,127

$9,170

Progressive

$2,167

$3,372

GEICO

$2,199

$6,056

Allstate

$2,225

$2,973

Progressive

$2,253

$5,525

Progressive

$2,255

$3,335

GEICO

$2,353

$6,567

State Farm

$2,361

$10,179

Foremost

$2,361

$3,895

State Farm

$2,368

$11,285

GEICO

$2,417

$7,783

Foremost

$2,427

$3,351

Allstate

$2,433

$3,112

Progressive

$2,449

$5,981

Allstate

$2,486

$3,808

GEICO

$2,489

$6,857

Allstate

$2,513

$3,712

Foremost

$2,544

$3,513

Foremost

$2,555

$3,687

GEICO

$2,558

$8,226

Progressive

$2,571

$3,803

Foremost

$2,578

$3,559

Foremost

$2,609

$4,434

Progressive

$2,625

$4,085

Foremost

$2,636

$3,518

Allstate

$2,681

$3,429

Progressive

$2,693

$7,500

Progressive

$2,714

$4,787

Progressive

$2,755

$5,177

Progressive

$2,768

$6,790

Progressive

$2,794

$4,132

Foremost

$2,833

$3,781

Foremost

$2,887

$4,169

Progressive

$2,904

$4,519

Allstate

$2,938

$4,337

Foremost

$2,955

$3,943

Progressive

$3,049

$8,561

Foremost

$3,116

$10,399

Progressive

$3,193

$7,800

Foremost

$3,205

$10,538

Foremost

$3,248

$10,840

Allstate

$3,341

$6,009

Foremost

$3,372

$11,087

Progressive

$3,421

$15,393

Allstate

$3,441

$5,083

Foremost

$3,456

$6,772

Foremost

$3,490

$6,860

Foremost

$3,677

$15,578

Progressive

$3,808

$17,276

Progressive

$3,823

$17,944

Foremost

$3,826

$6,504

Foremost

$3,831

$16,162

Foremost

$3,901

$6,435

Allstate

$3,941

$7,114

Progressive

$4,060

$18,267

Allstate

$4,067

$6,003

Progressive

$4,206

$19,807

Progressive

$4,444

$20,159

Allstate

$5,114

$7,242

Allstate

$6,012

$8,530

Allstate

$6,261

$8,867

Allstate

$6,780

$12,697

Allstate

$7,362

$10,445

Allstate

$7,979

$14,988

Car insurance for teens can be expensive, especially for individual policies. You can get significant savings by including your teen on your family policy. In Irving, this can lower your rates by approximately $3,267 for male teens.

You can also shop around to access cheap car insurance for teens.

Cheapest Car Insurance in Irving for Military Drivers

MoneyGeek found the cheapest full coverage car insurance for military-affiliated drivers in Irving are:

  • State Farm: $741 per year
  • Texas Farm Bureau Insurance: $870 per year

At roughly $935 per year, USAA is still comparatively affordable. It tailors its services to veterans, military personnel and their families.

For minimum coverage, drivers in Irving with military affiliations can find the cheapest rates from State Farm and Texas Farm Bureau Insurance. These are approximately $366 and $414 per year, respectively.

Company
Annual Premium
Monthly Premium

State Farm

$341

$28

Texas Farm Bureau

$360

$30

State Farm

$366

$31

Texas Farm Bureau

$414

$34

Mercury

$421

$35

USAA

$432

$36

Allstate

$438

$36

State Farm

$447

$37

Allstate

$448

$37

Mercury

$458

$38

USAA

$462

$39

USAA

$520

$43

Texas Farm Bureau

$531

$44

Mercury

$545

$45

AAA Texas

$546

$45

Allstate

$548

$46

Nationwide

$554

$46

GEICO

$564

$47

AAA Texas

$576

$48

Nationwide

$581

$48

GEICO

$592

$49

Progressive

$593

$49

Progressive

$606

$51

GEICO

$645

$54

Chubb

$660

$55

State Farm

$676

$56

AAA Texas

$700

$58

Progressive

$714

$60

National General

$715

$60

Texas Farm Bureau

$724

$60

Chubb

$725

$60

Foremost

$736

$61

National General

$738

$62

State Farm

$741

$62

Nationwide

$784

$65

Foremost

$862

$72

Allstate

$865

$72

Texas Farm Bureau

$870

$73

National General

$909

$76

USAA

$922

$77

Nationwide

$928

$77

USAA

$935

$78

Allstate

$937

$78

Mercury

$952

$79

State Farm

$957

$80

GEICO

$982

$82

Mercury

$997

$83

GEICO

$1,002

$84

Foremost

$1,011

$84

Texas Farm Bureau

$1,075

$90

AAA Texas

$1,115

$93

AAA Texas

$1,122

$93

Nationwide

$1,138

$95

USAA

$1,139

$95

Dairyland

$1,169

$97

GEICO

$1,173

$98

Dairyland

$1,207

$101

Allstate

$1,256

$105

Chubb

$1,272

$106

Mercury

$1,299

$108

Chubb

$1,322

$110

Nationwide

$1,379

$115

Dairyland

$1,430

$119

AAA Texas

$1,463

$122

Progressive

$1,487

$124

National General

$1,512

$126

Chubb

$1,522

$127

Progressive

$1,548

$129

Foremost

$1,565

$130

National General

$1,652

$138

Foremost

$1,671

$139

National General

$1,864

$155

Progressive

$1,941

$162

Dairyland

$2,011

$168

Foremost

$2,094

$174

Dairyland

$2,236

$186

Chubb

$2,377

$198

Dairyland

$2,746

$229

How to Compare Cheap Irving Car Insurance Quotes Online

You might have to key in your personal information and spend 15 minutes to get a quote from a single Irving car insurance provider. To save time and effort, use MoneyGeek’s car insurance calculator. This can generate estimates instantly and only needs your age, vehicle type, driving history and preferred coverage.

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Best Car Insurance in Irving: Summary

Your priorities regarding affordability, service quality and coverage options determine the best car insurance provider for you.

MoneyGeek analyzed the leading auto insurers in Irving and selected the following as the best in their respective categories:

  • Best overall: Texas Farm Bureau Insurance (MoneyGeek score 78 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: Texas Farm Bureau Insurance: (MoneyGeek score 79 out of 100)

If you have a military background, USAA is our pick as the best auto insurer, with a MoneyGeek score of 81 out of 100.

The MoneyGeek rating of one provider may change depending on its category.

State Farm is our pick for the best overall car insurance company in Texas. Location affected this decision.

Best Overall Car Insurance in Irving

Based on our analysis of affordability, service quality and other factors, the best overall car insurance providers in Irving are:

  • Texas Farm Bureau Insurance: MoneyGeek score 78 out of 100 ($870 per year)
  • State Farm: MoneyGeek score 76 out of 100 ($741 per year)

We picked Texas Farm Bureau Insurance over its 11 competitors for its balance of affordable rates and top-notch customer service. Notably, it scored second-best for both categories. Texas Farm Bureau Insurance doesn’t compromise one benefit for the other, giving you the most value for your money.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

Second-lowest rate in Irving at $870 per year

Exceptional customer service reputation

Offers roadside assistance as add-on coverage

cons

Mediocre claims management

Lacks OEM coverage and gap insurance

COMPANY HIGHLIGHTS

MoneyGeek's choice for Irving's best overall car insurance provider is Texas Farm Bureau Insurance. It offers the second-cheapest premiums in the city while having the second-highest customer service score. Despite limited coverage offerings, you can find useful add-ons from this provider.

Texas Farm Bureau Insurance offers roadside assistance as an add-on. It's a 24-hour dispatch service providing services like towing, flat tire repair, fuel delivery and locksmith services. This can give a sense of security that you won't be stranded on the road.

Additionally, Texas Farm Bureau Insurance has rental reimbursement coverage. This pays for rental car expenses if your vehicle is undrivable due to a covered incident. Note that it’s only available for full coverage policies.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Irving for Customer Service

Without considering cost, MoneyGeek’s analysis shows these providers offer the best car insurance in Irving for great customer service:

  • Chubb: MoneyGeek score 76 out of 100 ($1,522 per year)
  • Foremost: MoneyGeek score 67 out of 100 ($1,565 per year)

Chubb stands out because of its solid customer satisfaction and excellent claims management. If customer service is one of the primary things you seek from a service provider, you can have a smooth experience with this company.

However, Chubb is one of the most expensive providers in Irving. You need to pay a high price to get quality service through them.

How was this MoneyGeek score calculated?

Chubb

pros

Top-notch customer service

Superb claims management

Offers OEM coverage

cons

Lacks roadside assistance and gap coverage

COMPANY HIGHLIGHTS

Chubb is MoneyGeek’s pick for the best car insurance provider for customer service. With Chubb, you can expect an excellent experience and efficient claims management. It also offers useful coverage options.

The company also offers agreed-value coverage. This unique add-on lets you and the company determine the value of your vehicle at the start of your policy. If your car gets stolen or totaled, you get money equal to the agreed amount.

Chubb also provides original equipment manufacturer (OEM) coverage. It’s another rare endorsement that ensures OEM parts and procedures are used to repair your vehicle. With this, you can be assured of your car’s consistent look, feel, and performance.

Best Cheap Car Insurance in Irving

After studying the affordability and service quality of minimum coverage policies in Texas, MoneyGeek found the best insurers in Irving are:

  • Texas Farm Bureau Insurance: MoneyGeek score 79 out of 100 ($414 per year)
  • State Farm: MoneyGeek score 78 out of 100 ($366 per year)

A minimum coverage policy may help decrease your premiums in the short term. But, you also receive limited coverage against liability and no protections for damages to your car.

So, in case of an accident, you may suffer significant financial losses with a minimum coverage policy.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

Affordable minimum coverage policy at $414 per year

Bundling, safe driving and anti-theft system discounts

Strong customer service reputation

cons

Inefficient claims management

COMPANY HIGHLIGHTS

Texas Farm Bureau Insurance stands out as Irving's best minimum coverage car insurer. It offers the second cheapest rates in the city and maintains a solid reputation for customer service.

In addition, Texas Farm Bureau Insurance offers several discount opportunities to help reduce your auto insurance rates.

The company offers discounts if you bundle your car insurance policy with other Texas Farm Bureau Insurance products. Likewise, insuring multiple cars and being claims-free for some time can also result in discounts. If you’re a student, you can get savings for good grades.

Texas Farm Bureau Insurance also gives discounts to drivers who install safety devices in their cars. Folks under 25 may be eligible for discounts if they complete an accredited driver training course.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Irving

MoneyGeek’s research reveals the average cost of full coverage auto insurance in Irving is $1,251 per year as of October 2022. This quote is for a full coverage car insurance policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 property damage liability per accident.

Car insurance in Irving is approximately $50 more expensive than the average cost of car insurance in Texas. But it’s $14 cheaper compared to the national average. Once again, it's all about location, location, location.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.