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Irving Car Insurance

How much does car insurance cost in Irving, TX? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Irving?

Irving, Texas is a city just northwest of Dallas. Irving is so close to Dallas that part of the Dallas/Fort Worth International Airport lies inside the city limits of Irving. It is believed the city was named after the American author Washington Irving.

Irving was incorporated on April 14, 1914. At first, population growth in Irving was slow and there were only 357 residents by 1925 but there was significant growth in the 1930s. The University of Dallas at Irving opened in 1956. By the 1960s, Irving had 45,000 residents and there were a number of manufacturing plants along with transportation, retail and financial businesses.

Today, Irving has more than 239,000 residents and the city is an economic powerhouse in north Texas. Irving is home to the region’s largest office park where more than 10 percent of the Fortune 500 do business. ExxonMobil, Kimberly-Clark and Fluor Corporation have offices in Irving.

Top employers in Irving, Texas include Citigroup, Inc., Verizon Communications, Irving Mall, Dallas/Fort Worth Airport, Allstate Insurance, Microsoft, Neiman Marcus Direct and Health Management Systems. Several large businesses have their headquarters in Irving including Chuck E. Cheese, Michaels Stores, 7-Eleven and Zale Corporation.

Irving has a major entertainment district. The Toyota Music Factory is a concert venue with numerous restaurants. Nearby you’ll find the Alamo Drafthouse Cinema and the Texas Lottery Plaza with its open-air performance stage.

Irving has a cultural side to it as well. Mustangs of Las Colinas is an outdoor bronze sculpture that dominates the center of Williams Square. The sculpture by Robert Glen depicts nine wild horses galloping through water and is meant to represent the drive and initiative of early Texas pioneers. Nearby, you’ll find the Mustangs of Las Colinas Museum, which features exhibits and films about the sculpture’s creation and more sculptures by Robert Glen.

To explore all there is to do in Irving, Texas, you’ll want to have a car. For car insurance requirements in Texas see more below. And make sure to pay the lowest rate for the best coverage by comparing car insurance quotes with SmartFinancial.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Irving typically pay around $114.73 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Texas $115.73
Irving, Texas $114.73

Irving, TX Best Car Insurance Companies

car insurance in Irving

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Irving coming in around $106.49 per month. Other companies to consider if you live in Irving is Direct Auto with an average cost of $107.74 per month and Clearcover which typically runs around $111.57 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Irving.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $106.49-7.99%
2 Direct Auto $107.74-6.91%
3 Clearcover $111.57-3.60%
4 USAA $114.60-0.98%
5 Texas Farm Bureau Group $144.2024.59%
6 Mercury Insurance $161.2839.35%
7 National General $163.5741.33%
8 Esurance $181.9557.21%
9 Kemper Auto Premium $183.7458.76%
10 Dairyland $185.6460.40%

How Much is Car Insurance in Irving, TX?

how much is auto insurance in Irving

Rates can vary from city to city. The residents of Austin typically pay $113.29 per month while people who live in Dallas will pay $118.58 per month on average. See what people pay for car insurance in other cities in Texas.

Texas CitiesMonthly Average Rate
Austin $113.29
Dallas $118.58
El Paso $106.92
Houston $137.57
Irving $114.51
San Antonio $118.68

Cheap Car Insurance in Irving by Zip Codes

find cheap auto insurance in Irving

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Irving, TX ZIP CodeAverage Monthly Rate
75014$273.33
75038$110.24
75039$114.41
75060$119.84
75061$109.63
75062$121.48
75063$113.15

Car Insurance Rates by Driver's Age Group in Irving

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $256.86 per month in Irving. Compare that to drivers in their 30’s who typically pay around $101.82 per month drivers in their 40s at $93.93 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$256.86
20s$136.98
30s$101.82
40s$93.93
50s$83.81
60s$84.56
70+$100.89

Cheapest Insurance for Teenage Drivers in Irving

If you are teen in Irving you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $152.14 per month. This is likely the most affordable option in Irving. You might also want to consider State Farm and Direct Auto who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$152.14
State Farm$227.14
Direct Auto$237.35
Loya Insurance$290.97
Texas Farm Bureau Group$311.89

Cheapest Insurance for 20 Year-olds in Irving

20 year-olds in Irving might want to consider Direct Auto who, on average, offers car insurance rates around $122.43 per month. Clearcover , State Farm , USAA and Mercury Insurance are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct Auto$122.43
Clearcover$133.33
State Farm$134.12
USAA$141.54
Mercury Insurance$159.75

Cheapest Insurance for 30 Year-olds in Irving

If you are in your 30s in Irving our research has found that Direct Auto typically has the most affordable coverage coming in around $88.77 per month, followed by State Farm at $92.17 and USAA at $104.96.

CompanyAverage Monthly Rate
Direct Auto$88.77
State Farm$92.17
USAA$104.96
Clearcover$117.82
Texas Farm Bureau Group$128.17

Cheapest Insurance for 40 Year-olds in Irving

On average, Kemper Auto Premium offers car insurance for 40 year-olds in Irving for around $74.67 per month. If you are looking for affordable coverage, you may also want to consider Direct Auto or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
Kemper Auto Premium$74.67
Direct Auto$81.35
State Farm$89.04
Dairyland$94.80
USAA$95.79

Cheapest Insurance for 50 Year-olds in Irving

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Irving we found that Direct Auto generally offers the most affordable coverage at $78.36 per month.

CompanyAverage Monthly Rate
Direct Auto$78.36
State Farm$82.93
Clearcover$83.77
USAA$90.93
Texas Farm Bureau Group$101.93

Cheapest Insurance for 60 Year-olds in Irving

If you live in Irving and you’re in your 60s, our data indicates that State Farm usually has the best rates at $75.00 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$75.00
Direct Auto$79.49
USAA$87.79
Clearcover$92.34
Texas Farm Bureau Group$94.96

Driver's Coverage Auto Insurance Rates in Irving, TX

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Irving, the average monthly rate for a driver who is currently insured is $101.71 while drivers who are not currently covered will pay around $124.60.

CoverageAverage Monthly Rate
Not Currently Insured $124.60
Currently Insured $101.71

Compare Recent Car Insurance Quotes in Irving

auto insurance quotes in Irving city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Irving a driver of a 2003 Chevrolet Tahoe can expect to pay around $85.12 per month while someone that owns a 2005 Ford Explorer may pay around $34.26 per month. Check out the list of recent quotes in Irving below.

VehicleAverage Monthly Rate
2003 Chevrolet Tahoe$85.12
2005 Ford Explorer$34.26
2005 Ford Explorer$52.54
2005 Ford Explorer$36.96
2005 Ford Explorer$47.07
2014 Cadillac Srx$114.97
2021 Land Rover Range Rover Velar$167.65
2014 Dodge Journey$133.05
2013 Nissan Altima$117.07
2010 Lexus Hs$41.39

FAQ's for Drivers in Irving, TX

driver’s frequently asked question in Irving

What Is the Minimum Liability Coverage Requirement in Irving, TX?

Every state requires drivers to have a minimum amount of liability coverage. Texas drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $30,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
  • $60,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
  • $25,000; Property damage per accident; Max. payment for damaged property in an accident caused by you.

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Texas, you are legally required to obtain something called liability insurance. This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

Since Texas is a “no-fault” state, drivers are financially responsible for any accidents they cause. Consider this: $30,000 is the maximum payment for property damage but you collide with a $40,000 vehicle. If you are found at fault, you are on the hook for any damages beyond $30,000. And, other drivers can sue you for those damages. Between this and the high cost of medical care, we recommend you carry more than the minimum required coverage!

What Is the Blood Alcohol Concentration (BAC) limit in Irving, TX?

It is illegal for an individual to operate a motor vehicle in Texas with the following BAC percentages:

.08%+ @ 21 years old or older

.04%+ for commercial vehicle drivers

.01%+ @ < 21 years old

Can I use my digital insurance card in Texas?

Yes! Getting pulled over in Texas is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!

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Commute Time in Irving, TX

24.2 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Irving, TX

179

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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