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Average Cost of Car Insurance in Irving

Irving$1,382
Texas$1,316
U.S.$1,424

The average annual car insurance rate in Irving is $1,382. This is 5% higher than the Texas average and 2.9% less than the national average.

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The Best Cheap Car Insurance Companies in Irving

In Irving, Farmers Insurance offers the most affordable car insurance rates. Its coverage is about 278% cheaper on average than that of The General, the city’s most expensive car insurance provider.

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Personalized Quotes to Get You the Cheapest Car Insurance in Irving

To determine car insurance quotes in Irving, auto insurance providers consider multiple factors, including your age and gender, ZIP code, the make and model of your vehicle and others. For example, in Irving, GEICO’s policy for 18-year-old male drivers costs an average of $2,288, while a 40-year-old male driver will pay roughly $944 for similar coverage. It's smart to obtain a personalized quote at regular intervals to boost your chances of finding affordable coverage.

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Cheapest Car Insurance in Irving by Coverage Amount

How much car insurance coverage you purchase in Irving also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

In Irving, Farmers offers both liability-only and full-coverage plans within 50/100/50 limits. This means coverage is provided for $50,000 of medical bills per person, amounting to $100,000 a vehicle, as well as $50,000 of property damage repair. Farmers’ full-coverage plan also covers your own expenses in addition to those of the other driver(s) and it costs $313 more than a liability-only package, which could be a worthwhile expenditure considering the benefits you get.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Irving if You Have Tickets

Careful drivers not only reach home safely, but they also pay lower car insurance premiums because driving violations on your record increase the cost of coverage. Consider the example of Farmers in Irving. Its customers with a speeding ticket on their record pay an average of $259 more annually for their coverage compared to those with a clean record. Similarly, policyholders with a DUI on their record pay $393 more per year.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • $1,085
    $1,176
    $1,219
  • $937
    $1,130
    $1,578
  • 3. USAA
    $1,030
    $1,441
    $1,361
  • $1,107
    $1,322
    $1,624
  • $1,210
    $1,830
    $1,917
  • 6. AAA
    $1,533
    $1,690
    $1,777
  • $1,214
    $2,709
    $1,214
  • $1,518
    $1,906
    $2,301
  • $1,892
    $2,444
    $1,927
  • $1,593
    $3,340
    $3,738
  • 11. The General
    $3,121
    $3,914
    $3,455

Average Cost of Car Insurance by Postal Code

Car insurance providers consider your neighborhood when they calculate your premium because ZIP codes with more accidents, car thefts and uninsured motorists are considered riskier and more expensive to insure. In Irving, residents of the 75061 ZIP code pay $27 less in average annual car insurance premiums than those living in ZIP code 75062, which is the city’s costliest neighborhood for auto insurance.

  • Zip Code
    State Minimumper year
  • 75061
    $1,372
  • 75060
    $1,375
  • 75062
    $1,399
iconribbontop ratedCar Insurance agentsIrving2021

Top Agents Offering Affordable Car Insurance in Irving

1. Ron Mathai - State Farm Insurance Agent7301 N State Hwy 161, Ste 180, Irving, TX, 75039
4 ratings
2. Barbara Schmidt - State Farm Insurance Agent4835 N O'Connor Blvd, Ste 204, Irving, TX, 75062
4 ratings
3. Roy Moreno - State Farm Insurance Agent400 E Royal Ln, Ste 209, Irving, TX, 75039
3 ratings
4. McKinley Insurance Agency128 E 2nd St, Irving, TX, 75060
3 ratings
5. Claudia Salas - State Farm Insurance Agent2335 W Shady Grove Rd, Ste 100A, Irving, TX, 75060
5 ratings

Factors That Impact Insurance Costs in Irving

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Irving. How Irving ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities247th/300
handcuffs2 icon
Most Car Thefts144th/300
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Most Uninsured Motorists by State16th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall142nd/300
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Most Rainy Days190th/300

Shopping around for car insurance in Irving could save you $556, which is enough to buy:


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185Cups of Coffee
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43Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Irving are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Irving

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.