120+ more*Quotes generated for Insurify users in and around Irving, Texas within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Irving, Texas within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
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Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Drivers in Irving, Texas, pay a monthly average of $123 for state-minimum insurance and $227 for full coverage.
That’s slightly less than Dallas’ average rates of $135 and $238 per month, respectively. Still, Irving’s rates are higher than what drivers in nearby Grapevine, Texas, pay for these coverages, at $111 and $174 per month, respectively.
Irving experienced more than 4,000 traffic crashes in 2024, according to the Texas Department of Transportation. This may contribute to higher insurance risk for drivers in the area.[1]
Irving residents also tend to insure fewer vehicles per household than those in neighboring cities like Dallas and Grand Prairie, according to Insurify data. Fewer insured vehicles can limit your savings from multi-car discounts.
State Farm is the cheapest car insurance company in Irving, with average premiums of $State Farm per month for liability-only coverage and $107 for full coverage.
Irving’s rates are higher than the Texas average of $117 and $208 per month.
Texas law requires drivers to have at least $30,000 in bodily injury liability coverage per person, $60,000 per accident, and $25,000 in property damage liability.[2] Because of the city’s elevated crash rates, some Irving drivers may want full coverage for further peace of mind.
The following companies show the cheapest liability-only and full-coverage car insurance in Irving.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $62 | $107 |
| Mile Auto | $79 | $166 |
| Progressive | $85 | $145 |
| Allstate | $86 | $151 |
| GEICO | $101 | $191 |
| USAA | $109 | $191 |
| Mercury | $119 | $181 |
| Dairyland | $128 | $366 |
| Root | $128 | $222 |
| The General | $131 | $255 |
| Commonwealth Casualty | $131 | $307 |
| Bristol West | $133 | $265 |
| GAINSCO | $136 | $273 |
| Nationwide | $137 | $240 |
| AssuranceAmerica | $142 | $293 |
| Clearcover | $143 | $235 |
| Sun Coast | $146 | $278 |
| Safeco | $151 | $228 |
| Direct Auto | $155 | $238 |
| National General | $155 | $265 |
| Elephant | $159 | $252 |
| Chubb | $186 | $325 |
| 21st Century | $214 | $375 |
| Liberty Mutual | $279 | $361 |
Abilene has the cheapest car insurance premiums in Texas, while Houston has the most expensive. Irving’s premiums fall near the middle of that range but are slightly higher than nearby suburbs like Coppell, Southlake, and Denton. Irving has a larger population — nearly 260,000 residents — compared to these suburbs.[3]
Many of the city’s reported crashes resulted in injuries. Insurers will classify you as a high-risk driver if you cause a serious crash, which can raise insurance premiums for Irving drivers.
See the table below for the average car insurance quotes in other Texas cities.
City | Average Monthly Quote |
|---|---|
| Abilene | $133 |
| Amarillo | $155 |
| Arlington | $171 |
| Austin | $169 |
| Beaumont | $174 |
| Brownsville | $161 |
| Corpus Christi | $167 |
| Dallas | $187 |
| Denton | $157 |
| El Paso | $147 |
| Fort Worth | $165 |
| Galveston | $163 |
| Garland | $183 |
| Grand Prairie | $177 |
| Houston | $220 |
| Huntsville | $150 |
| Irving | $175 |
| Killeen | $150 |
| Laredo | $164 |
| Lubbock | $157 |
| McAllen | $177 |
| Mesquite | $189 |
| Midland | $155 |
| Odessa | $166 |
| Plano | $166 |
| San Antonio | $173 |
| San Marcos | $164 |
Check quotes from 120+ top insurance companies
Irving sits next to Dallas Fort Worth International Airport, so traffic along Highway 183 (Airport Freeway) can be heavy. The city is also between the major metros of Dallas and Fort Worth, and is crossed by several major highways, including State Highway 114 and State Highway Loop 12.
Some roads in the area see as many as 40,000 vehicles in a 24-hour period, according to the city of Irving.[4] Avoiding busier routes — like N Belt Line Road, Freeport Parkway, MacArthur Boulevard, Irving Boulevard, and O’Connor Road — may help you reach your destination more quickly and safely.
Irving also faces a high risk of severe storms, flooding, and tornadoes, so parking your vehicle in a covered or protected area is critical to prevent damage when a storm arrives.[5] Adding comprehensive insurance to your policy can help protect your car against weather damage.
Your driving record can significantly affect your car insurance premiums in Irving. That’s because drivers with accidents or tickets typically pay higher premiums than drivers with a clean driving history.
Insurify data shows that 2.59% of drivers have a ticket on their record, 3.61% have an at-fault accident, and only 0.50% have a driving under the influence (DUI) conviction on their record. Texas car accident laws hold the at-fault driver responsible for damages, which can mean higher premiums after a crash.
The table below breaks down average monthly premiums for Irving drivers with different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $175 |
| Speeding ticket | $218 |
| At-fault accident | $230 |
| DUI | $240 |
Car insurance premiums also vary by age, with teen drivers typically paying higher rates than senior drivers.
About 9% of Irving residents are 65 or older, while more than 26% are younger than 18. That means many Irving households need coverage for young drivers. Plus, Texas allows drivers to get a learner’s permit at age 15, which often means teens must be added to a parent’s auto policy.
Use the table below to see the average insurance rates for Irving drivers in different age groups.
Age | Average Monthly Quote |
|---|---|
| Teens | $240 |
| 20s | $163 |
| 30s | $131 |
| 40s | $124 |
| 50s | $113 |
| 60s | $103 |
| 70+ | $107 |
*Quotes generated for Insurify users in and around Irving, Texas within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Irving, Texas within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The following are questions drivers ask about car insurance in Irving, Texas. Use these to learn more about what costs you may face as an Irving driver.
Car insurance in Irving averages $123 per month for state-minimum liability insurance and $227 per month for full coverage, according to Insurify data. That’s slightly higher than the Texas statewide average.
State Farm offers the cheapest car insurance in Irving, according to Insurify data, with the lowest average rates for both full-coverage and state-minimum liability insurance. Drivers pay $62 per month for liability coverage and $State Farm per month for full coverage.
The best car insurance company in Irving hinges on your coverage needs, budget, and driving history. But State Farm, Allstate, Progressive, and Mile Auto are among the best insurers for Irving drivers looking for the lowest car insurance premiums, according to Insurify data.
Progressive is cheaper in Irving than GEICO, according to Insurify data. Irving drivers who choose Progressive pay an average of $85 per month for liability-only coverage and $149 per month for full-coverage insurance. GEICO charges an average of $100 per month for liability coverage and $191 per month for full coverage.
Several factors affect car insurance rates in Irving, including your credit history, ZIP code, driving history, vehicle type, and coverage levels. Bundling auto and homeowners, or even your renters insurance, may also qualify you for driver discounts.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
Featured in
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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