Cheapest and Best Car Insurance Companies in Irving, TX


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ByMark Fitzpatrick
Edited bySarah Mattie
ByMark Fitzpatrick
Edited bySarah Mattie

Updated: May 20, 2024

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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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2024

Cheapest and Best Car Insurance in Irving, TX

Why Trust MoneyGeek? We studied thousands of car insurance quotes and used information from the Texas Department of Insurance and Quadrant Information Services. We then ranked the city’s providers using our proprietary scoring method, selecting the best in several categories.

328,384Quotes Analyzed
 
14Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
State FarmAnnual Premium$366Monthly Premium$31
Texas Farm BureauAnnual Premium$414Monthly Premium$34
MercuryAnnual Premium$421Monthly Premium$35
AllstateAnnual Premium$438Monthly Premium$36
AAA TexasAnnual Premium$546Monthly Premium$45
GEICOAnnual Premium$564Monthly Premium$47
NationwideAnnual Premium$581Monthly Premium$48
ProgressiveAnnual Premium$593Monthly Premium$49

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$741Monthly Premium$62
Texas Farm BureauAnnual Premium$870Monthly Premium$73
AllstateAnnual Premium$937Monthly Premium$78
MercuryAnnual Premium$952Monthly Premium$79
GEICOAnnual Premium$1,002Monthly Premium$84
AAA TexasAnnual Premium$1,122Monthly Premium$93
NationwideAnnual Premium$1,138Monthly Premium$95
National GeneralAnnual Premium$1,512Monthly Premium$126

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$741Monthly Premium$62
Texas Farm BureauAnnual Premium$870Monthly Premium$73
AllstateAnnual Premium$937Monthly Premium$78
GEICOAnnual Premium$1,165Monthly Premium$97
NationwideAnnual Premium$1,329Monthly Premium$111
MercuryAnnual Premium$1,371Monthly Premium$114
AAA TexasAnnual Premium$1,467Monthly Premium$122
ChubbAnnual Premium$1,645Monthly Premium$137

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,655Individual Plan Monthly Premium$6,881
State FarmFamily Plan Annual Premium$1,958Individual Plan Monthly Premium$9,028
GEICOFamily Plan Annual Premium$2,417Individual Plan Monthly Premium$7,783
ForemostFamily Plan Annual Premium$3,677Individual Plan Monthly Premium$15,578
ProgressiveFamily Plan Annual Premium$3,823Individual Plan Monthly Premium$17,944
AllstateFamily Plan Annual Premium$6,780Individual Plan Monthly Premium$12,697

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$741Monthly Premium$62
Texas Farm BureauAnnual Premium$870Monthly Premium$73
USAAAnnual Premium$935Monthly Premium$78
AllstateAnnual Premium$937Monthly Premium$78
MercuryAnnual Premium$952Monthly Premium$79
GEICOAnnual Premium$1,002Monthly Premium$84
AAA TexasAnnual Premium$1,122Monthly Premium$93
NationwideAnnual Premium$1,138Monthly Premium$95

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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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

checkmark

Second-lowest rate in Irving at $870 per year

checkmark

Exceptional customer service reputation

checkmark

Offers roadside assistance as add-on coverage

cons

close

Mediocre claims management

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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

checkmark

Top-notch customer service

checkmark

Superb claims management

checkmark

Offers OEM coverage

cons

close

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

checkmark

Affordable minimum coverage policy at $414 per year

checkmark

Bundling, safe driving and anti-theft system discounts

checkmark

Strong customer service reputation

cons

close

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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.