The average cost of auto insurance in Irving is $1,382 annually, 5% higher than the average premium in Texas. The most affordable company, Farmers, has an average rate of $826. MoneyGeek also found the cheapest options for different coverage amounts and driver profiles. For those concerned about both cost and quality, MoneyGeek ranked the best insurers in the city.
Compare the Cheapest Car Insurance Quotes in Irving, TX
The Cheapest and Best Car Insurance in Irving
The Cheapest Car Insurance Companies in Irving
In Irving, the most affordable auto insurance companies for a full coverage policy based on average rates are:
- Farmers: $826 per year
- USAA: $916 per year (only available to current and former military members)
These prices are based on average rates for MoneyGeek’s sample driver profile, a 40-year-old male driver with a full coverage policy that includes liability insurance and comprehensive and collision insurance.
Average Cost of Car Insurance in Irving
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.
The Best Car Insurance Companies in Irving
MoneyGeek used a unique scoring system to determine the best companies in Irving for drivers looking for a balance of affordability and quality service. The top insurers in the city for most drivers for most drivers are:
- GEICO: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA received the highest score in Irving by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate the final scores out of 100, MoneyGeek evaluated several criteria, including J.D. Power’s user satisfaction, affordability and financial stability ratings.
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.
Shopping around for car insurance in Irving could save you $556, which is enough to buy:
Cheapest Car Insurance in Irving by Coverage Amount
How much coverage you get will play a huge role in the cost of your auto insurance in Irving and elsewhere. A state minimum liability-only policy in Irving costs an average of $681, while a full coverage policy in the city costs $1,382 on average, a difference of $701.
Texas Minimum Liability Requirements
- 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: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Irving if You Have Driving Violations
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
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
Top Agents Offering Affordable Car Insurance in 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.
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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