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Cheap Auto Insurance Quotes in Irving, TX (September 2022)
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Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka
Updated February 4, 2022
Car Insurance in Irving, TX
The average cost of Texas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Irving, TX to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Irving is $253 per month, or $3036 annually.
- Car insurance in Irving is $38 more than the average cost of car insurance in Texas.
- The cheapest car insurance provider in Irving on average is Mile Auto, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Allstate$123
State Farm$170
Direct Auto$203
Mercury$214
Nationwide$222
Cheapest Car Insurance in Irving, TX
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Irving | QuotesThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Allstate | $123 /mo |
| State Farm | $170 /mo |
| Direct Auto | $203 /mo |
| Mercury | $214 /mo |
| Nationwide | $222 /mo |
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Average Car Insurance Cost
| Texas Cities | |
|---|---|
| Houston | $222/mo |
| San Antonio | $225/mo |
| Dallas | $258/mo |
| Austin | $203/mo |
| Irving | $228/mo |
| Texas | $227/mo |
Austin$203
Houston$222
San Antonio$225
Average for TX$227
Irving$228
Dallas$258
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Texas
All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Texas[1] are:
- $30,000 per person for bodily injury
- $60,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
FAQs - Irving, TX Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurify Insights
How Irving Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Irving, Texas below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Irving drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Irving
#171
City with the Most Speeding Tickets Rank in Texas
#204
City with the Most Moving Violations Rank in Texas
#157
City with the Most DUIs Rank in Texas
#138
City with the Most Suspended Licenses in Texas
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Irving drivers rank 203 in the number of car accidents per driver across all cities in Texas.
- Rank within state: #203
- Percent of drivers in Irving with an accident: 7.5%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Irving drivers rank 157 in the number of DUI’s per driver across all cities in Texas.
- Rank within state: #157
- Percent of drivers in Irving with a DUI: 1.1%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Irving drivers rank 179 in the number of reckless driving offenses per driver.
- Rank within state: #179
- Percent of drivers in Irving with a reckless driving offense: 0.8%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Irving drivers rank 175 in rude driving infractions.
- Rank within state: #175
- Percent of drivers in Irving with a reckless driving violation: 0.9%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Irving drivers rank 171 in the number of speeding infractions per driver.
- Rank within state: #171
- Percent of drivers in Irving with a speeding ticket: 7.7%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Irving drivers rank 121 in clean driving records across all cities in Texas.
- Rank within state: #121
- Percent of drivers in Irving with clean record: 81.7%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Irving drivers rank 50 in hybrid and electric vehicle ownership across all cities in Texas.
- Rank within state: #50
- Percent of drivers in Irving with a hybrid/electric vehicle: 1.29%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Learn MoreSources
- Texas Department of Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022