Best Irving, TX Car Insurance in 2024

On average, Irving, TX car insurance is $364 per month. However, the Texas car insurance average is $337 per month. Therefore, car insurance in Irving, Texas, is $36 more than the national average.

But why is Irving, TX car insurance so expensive?

Car insurance rates are determined by various factors, including the company you choose, your driving history, and much more. Don’t worry – we’re here to help. Our guide explains how you can get cheap car insurance in Irving, Texas.

Ready to find affordable Irving, TX car insurance? Enter your ZIP code above to get started.

Monthly Irving, TX Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Irving, TX auto insurance rates by ZIP Code below:

Irving, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Irving, TX against other top US metro areas’ auto insurance costs.

What is the cheapest car insurance company in Irving, TX?

The cheapest car insurance company in Irving, Texas, is USAA. However, USAA is only available for military veterans and their immediate families. The following most affordable companies are State Farm and Geico.

The cheapest Irving, TX car insurance providers can be found below. You also might be wondering, “How do those Irving, TX rates compare against the average Texas car insurance company rates?” We uncover that too.

Here are the best auto insurance companies in Irving, Texas, ranked from cheapest to most expensive:

• USAA car insurance – $2,722
• State Farm car insurance – $3,272
• Geico car insurance – $3,561
• Nationwide car insurance – $3,966
• Progressive car insurance – $4,615
• Allstate car insurance – $5,770
• American Family car insurance – $6,706

USAA, State Farm, Geico, and Nationwide are the only Irving companies with cheaper than average auto insurance rates. However, your car insurance rates will depend on personal factors.

The most significant factor is your driving record. Some car insurance companies provide up to 40 percent off if you have a clean driving record. You can even save money on monthly premiums if your credit history is good.

Another critical factor that determines auto insurance is location. Car insurance companies can base your rates on the neighborhood ZIP code.

So what’s the cheapest neighborhood in Irving, TX? The most affordable ZIP code in Irving, Texas, is 75039, and its average car insurance cost is $515 per month.

Irving male drivers under 25 may have car insurance rates that are three times more than average. Meanwhile, drivers who are 25 and older will pay $1,000 less at the very least.

Irving, Texas car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

Your coverage level will play a major role in your Irving, TX car insurance costs. Find the cheapest Irving, Texas car insurance costs by coverage level below:

Your credit score will play a major role in your Irving, TX car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. You may be able to get a good credit discount. Find the cheapest Irving, Texas car insurance costs by credit score below.

Your driving record will affect your Irving, TX car insurance costs. For example, a Irving, Texas DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Irving, Texas car insurance with a bad driving record.

Controlling these risk factors will ensure you have the cheapest Irving, Texas car insurance. Factors affecting car insurance rates in Irving, TX may include your commute, coverage level, tickets, DUIs, and credit.

Age is a significant factor for Irving, TX insurance rates. Young drivers are often considered high-risk. This Irving, Texas does use gender as a car insurance factor, so check out the average monthly car insurance rates by age and gender in Irving, TX.

What are the minimum car insurance coverage requirements in Irving, TX?

The minimum amount of liability car insurance requirements in the Irving, TX area are:

• $30,000 per person and $60,000 per incident for bodily injury liability
• $25,000 per incident for property damage

Health insurance and car prices continue to rise. To reduce out-of-pocket expenses, consider increasing coverage limits.

What affects car insurance rates in Irving, TX?

Your commute to work and your location’s vehicle theft rate can determine your car insurance cost. How come? Your chances of getting into an accident increase the more you drive.

Meanwhile, vehicle thefts determine your chances of filing a comprehensive insurance claim. According to the FBI statistics, the city of Irving, TX, had 711 auto thefts.

According to City-Data, it takes 23 minutes for the average driver to get work in Irving, TX.

Irving, TX Car Insurance: The Bottom Line

You can secure cheap car insurance in Irving, TX, by maintaining a clean driving record. If you have a good credit score, take advantage of the low prices provided by your auto insurance provider.

Also, your vehicle’s safety and anti-theft features can save you money on car insurance. Most car insurance companies will issue discounts for certain vehicle features.

Before you buy car insurance in Irving, Texas, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Irving, TX car insurance quotes.