Cheapest Auto Insurance in Irving, Texas (2024)

Irving, Texas drivers pay, on average, $201 a month for car insurance, which breaks down to $270 for full-coverage car insurance and $132 for liability-only policies.

Compared to Texas’ car insurance average cost of $185, Irving drivers pay more than the state average. The city’s comparatively higher cost of living, growing population, and risk of severe storms, flash flooding, and tornadoes may contribute to Irving’s more expensive car insurance premiums.

3 of the cheapest car insurance companies in Irving

Finding affordable car insurance in Irving, depends on your circumstances, needs, and driving history. The key to finding a good fit is understanding that the cheapest company for someone you know might not align with your situation.

Here’s a breakdown of the best insurers in Irving.

Best insurer for liability-only coverage: State Farm

Best insurer for drivers with a DWI: GEICO

Best insurer for teen drivers: Mile Auto

How to get the cheapest car insurance in Irving

Cheap car insurance comes down to your risk profile. Insurers could categorize you as high risk, low risk, or somewhere in between, depending on numerous factors such as location, age, marital status, driving history, and credit history.^[1]

To find the best rate in Irving, follow these tips:

• Shop around. Auto insurance companies can charge different rates, even for nearly identical coverage.

• Choose a higher deductible. You’ll pay more when filing a claim, but higher deductibles reduce your premiums.

• Keep your credit strong. Maintaining a good credit history can qualify you for lower rates.

• Research cars before buying. A vehicle’s safety rating, repair costs, and theft likelihood affect car insurance costs.

• Ask for discounts. Bundle auto insurance and homeowners or renters insurance and look into other discounts, such as safe driver and good student discounts.

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Cheapest liability-only car insurance in Irving: State Farm

Liability-only car insurance protects you against damages or injuries you cause to other people or their property in an at-fault accident. In Irving, your policy meets the state’s minimum auto insurance requirements for bodily injury liability and property damage liability. However, it doesn’t cover damages to your vehicle or personal injuries.

For the cheapest liability-only car insurance in Irving, consider State Farm. It has an average monthly cost of $40.

Here’s a look at where to find the best price for liability coverage in Irving.

Cheapest full-coverage car insurance in Irving: State Farm

Liability insurance only covers damages you cause to others. Full-coverage car insurance adds protection for your vehicle. It covers theft, vandalism, natural disasters, and collision damage. You may want to upgrade to a full-coverage policy if you’re leasing or financing a car, own a new or high-value vehicle, or live in a high-risk area for theft, vandalism, or natural disasters.

Drivers in Irving pay an average of $270 a month for full-coverage car insurance. Below are the cheapest companies in the city with which to start your search.

Car insurance requirements in Texas

Texas requires 30/60/25 auto insurance coverage.^[2] Additionally, Texas follows an at-fault system, meaning drivers who cause an accident are responsible for paying for the damages and injuries they cause. The Texas Department of Insurance (TDI) suggests higher liability limits since basic coverage typically falls short of covering the cost of damages or injuries you may be responsible for.

Texas requires insurers to offer personal injury protection (PIP) for medical costs and lost wages. To opt out of these coverages, let your insurance company know in writing.^[2]

Here’s what Texas’ 30/60/25 auto insurance requirements translate into:

It’s a good idea to consider getting more than just the minimum coverage for greater financial protection in at-fault accidents. The TDI suggests five additional auto insurance choices to boost your coverage:

• 

  Collision coverage

  Collision coverage pays for repairs or replacements of your vehicle after an accident with a stationary object or another vehicle, regardless of fault.

• 

  Comprehensive coverage

  Comprehensive coverage pays for fire, theft, vandalism, natural disasters, falling objects, and hitting deer or other wild animals.

• 

  Medical payments coverage

  Medical payments coverage pays for medical bills for you and your passengers. It also applies even if you’re a passenger in someone else’s car or get hurt while walking or biking.

• 

  Roadside assistance

  Roadside assistance coverage pays for towing, changing a flat tire, and jump-starting your battery.

• 

  Rental reimbursement coverage

  This helps pay for a car rental while your car is in the shop for repairs after an accident.

Texas Automobile Insurance Plan Association

The Texas Automobile Insurance Plan Association (TAIPA) can help if you’re struggling to find car insurance coverage options. At least two insurers must reject you within the last 60 days to be eligible.

A TAIPA-certified insurance agent will guide you through the application process. Then, the TAIPA assigns your application to a company, and you’ll receive proof of insurance. The TAIPA offers state-minimum coverage, with 30/60/25 limits, PIP coverage, and uninsured/underinsured motorist coverage.^[3]

Cheapest car insurance for drivers with an incident

Car accidents, speeding tickets, DWIs, and other driving mishaps show up on your driving record and can increase your car insurance costs for several years, depending on the severity of the incident.

Insurers believe that if you’ve made mistakes in the past, you’re more likely to make them again and charge higher rates to balance the higher risk of future incidents or claims you might have.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding increases your risk of being in an accident, can lead to more severe injuries, and is a leading cause of crash-related deaths.^[4] Insurance companies consider drivers with speeding tickets to be a higher risk and apply a multi-year surcharge that raises your car insurance premiums. Simply put, the more you speed, the more you might pay for an auto insurance policy.

Irving drivers with a speeding ticket on their records pay an average of $286 a month for car insurance. The table below shows the most affordable liability-only rates for drivers with a speeding ticket compared to drivers with a clean driving record.

Cheapest car insurance for drivers with an at-fault accident: State Farm

At-fault accidents make you riskier to insure and can increase your car insurance costs by 26%, according to Insurify data. An at-fault accident on your record indicates to auto insurance companies that you’re more likely to file a claim for accidents and other driving incidents in the future. Irving drivers with an at-fault accident on their records pay an average of $308 a month for car insurance.

Look at the insurance companies below for the most competitive liability-only rates for drivers with a record of at-fault accidents.

Cheapest car insurance for drivers with a DWI: State Farm

Driving while intoxicated can lead to serious consequences. A DWI indicates risky behavior and can significantly increase how much you pay for car insurance in Irving. Insurers can raise your rates to cover potential costs they might have to pay out.

The average cost of car insurance for drivers with a DWI in Irving is $348 a month. As you’ll see in the table below, liability-only insurance for drivers with a DWI costs more than for drivers with a clean record.

Cheapest car insurance for seniors: State Farm

By age 25, drivers have racked up experience behind the wheel and usually qualify for lower car insurance rates. However, slight price increases around age 70 are common due to a slight increase in their accident rates. Insurers charge senior drivers higher rates, according to the Texas Office of Public Insurance Counsel.^[5]

Senior drivers in Irving pay an average of $197 a month for full-coverage insurance and $96 a month for liability only. The table below offers an idea of the average cost of car insurance in Irving for senior drivers from different insurance companies.

Cheapest car insurance for teens: State Farm

The average cost of car insurance for teen drivers in Irving is $474 a month for full coverage and $232 a month for liability coverage.

Younger drivers are more likely to get into an accident, and insurers charge higher rates to offset the increased risk.^[5] But a few strategies from the TDI can help you get the cheapest rate when a teen driver gets their license:^[6]

• Get good grades. Insurance companies sometimes discounts for high school or college students that maintain a B average or better.

• Take driver’s education. Complete an approved driver’s safety course to qualify for a discount from some insurers.

• Don’t take the car to college. Some insurers offer a “student-away-at-college” discount if young drivers leave their car at home when they live on campus at least 100 miles from home.

• Stay on a parent’s policy. Compared to getting their own policy, car insurance costs are usually lower when adding a teen to a parent’s policy. Drivers younger than 18 won't be able to legally buy their own policy unless they have written consent from a parent or guardian.

Below, you’ll see how much Irving insurance companies charge on average for car insurance.

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Irving car insurance quotes by credit tier

Texas has strict rules about how insurers can use credit, but it can only be one of many the risk factors insurers use in setting car insurance rates.^[7] It’s common for drivers with poor credit to get quotes twice as expensive than quotes for drivers with excellent or good credit.

The table below shows the average cost of car insurance in Irving based on credit score.

Is car insurance more expensive in Irving?

Yes. The average premium in Irving is higher than the Texas state average and the national average. However, car insurance costs in Texas, like in many states, can vary from one city to another.

Population density, vehicle crime rates, traffic conditions, and weather patterns in a particular area can lead to higher claims payouts, which causes insurers to quote higher prices for that ZIP code. For instance, Irving’s proximity to Dallas may affect the city’s average car insurance prices because Dallas is a major metropolitan area in Texas and can contribute to Irving’s traffic conditions, congested highways, and population density.

More cities in Texas

Here’s how the average cost of car insurance in Irving compares to other Texas cities.

Irving car insurance FAQs