Location plays an important role in determining your car insurance premium. When examining average car insurance rates in Irving, providers consider many factors like your age, gender, marital status, credit score and more. Therefore, it’s advisable to obtain a customized quote based on your individual needs to get cheap car insurance in Irving.
Compare the Cheapest Car Insurance Quotes in Irving, TX
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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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- CompanyAmountper year
- 1. Farmers$826
- 2. USAA$916
- 3. State Farm$937
- 4. GEICO$944
- 5. AAA$1,180
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
- ItemDescription
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- 1. Farmers$433$462
- 2. USAA$447$493
- 3. State Farm$504$565
- 4. GEICO$515$561
- 5. AAA$590$656
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. Farmers$775$826
- 2. USAA$834$916
- 3. State Farm$853$937
- 4. GEICO$857$944
- 5. AAA$1,085$1,180
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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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. Farmers$1,085$1,176$1,219
- 2. State Farm$937$1,130$1,578
- 3. USAA$1,030$1,441$1,361
- 4. GEICO$1,107$1,322$1,624
- 5. Allstate$1,210$1,830$1,917
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 CodeState Minimumper year
- 75061$1,372
- 75060$1,375
- 75062$1,399
top ratedCar Insurance agentsIrving2021Top Agents Offering Affordable Car Insurance in Irving
1. Ron Mathai - State Farm Insurance Agent7301 N State Hwy 161, Ste 180, Irving, TX, 75039
2. Barbara Schmidt - State Farm Insurance Agent4835 N O'Connor Blvd, Ste 204, Irving, TX, 75062
3. Roy Moreno - State Farm Insurance Agent400 E Royal Ln, Ste 209, Irving, TX, 75039
4. McKinley Insurance Agency128 E 2nd St, Irving, TX, 75060
5. Claudia Salas - State Farm Insurance Agent2335 W Shady Grove Rd, Ste 100A, Irving, TX, 75060
Insurance Providers That Serve Irving
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.
Shopping around for car insurance in Irving could save you $556, which is enough to buy:
185Cups of Coffee
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.
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