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Cheap Auto Insurance Quotes in Irving, TX (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
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.
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 | Quotes |
|---|---|
| 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 TX
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 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 are as follows:
- $30,000/$60,000 bodily injury liability per person/accident
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.
- $25,000 propery damage liability per accident
The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an 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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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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 Civic
Most Popular Car in Irving
#141
City with the Most Speeding Tickets Rank in Texas
#140
City with the Most Moving Violations Rank in Texas
#98
City with the Most DUIs Rank in Texas
#109
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 127 in the number of car accidents per driver across all cities in Texas.
- Rank within state: #127
- Percent of drivers in Irving with an accident: 8.8%
- Drivers in Irving, TX with an accident in their driving history pay on average 37.82% more than drivers with a clean record
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 141 in the number of speeding infractions per driver.
- Rank within state: #141
- Percent of drivers in Irving with a speeding ticket: 7.8%
- Drivers in Irving, TX with a speeding ticket in their driving history pay on average 34.03% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Irving drivers rank 98 in the number of DUI’s per driver across all cities in Texas.
- Rank within state: #98
- Percent of drivers in Irving with a DUI: 1.25%
- Drivers in Irving, TX with a DUI in their driving history pay on average 34.45% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Irving is the Honda Civic.
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 93 in rude driving infractions.
- Rank within state: #93
- Percent of drivers in Irving with a reckless driving violation: 1%
- Drivers in Irving, TX with a reckless driving violation in their driving history pay on average 32.77% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Irving drivers rank 21 in clean driving records across all cities in Texas.
- Rank within state: #21
- Percent of drivers in Irving with clean record: 84.37%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Irving drivers rank 2 in failure to yield violations per driver across all cities in Texas.
- Rank within state: #2
- Percent of drivers in Irving with a failure to yield violation: 0.16%
- Drivers in Irving, TX with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
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 63 in the number of reckless driving offenses per driver.
- Rank within state: #63
- Percent of drivers in Irving with a reckless driving offense: 0%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Irving drivers rank 59 in hybrid and electric vehicle ownership across all cities in Texas.
- Rank within state: #59
- Percent of drivers in Irving with a hybrid/electric vehicle: 1.14%
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.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.