Cheapest and Best Car Insurance Companies in Irving, TX

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.