Cheapest Auto Insurance in Irving, Texas (2024)
State Farm offers the cheapest car insurance in Irving, with liability policies averaging $40 a month.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 21, 2024
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Table of contents
Irving, Texas drivers pay, on average, $196 a month for car insurance, which breaks down to $261 for full-coverage car insurance and $130 for liability-only policies.
Compared to Texas’ car insurance average cost of $181, 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.
Quick Facts
State Farm, GEICO, and Allstate are the three cheapest car insurance companies for Irving drivers.
The Texas Department of Insurance requires 30/60/25 auto coverage but recommends higher limits.
If you’re a driver in Irving who can’t find coverage on the private market, you can apply for coverage through the Texas Automobile Insurance Plan Association (TAIPA).
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.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $69 | $37 | Liability-only coverage |
| GEICO | 9.0 | $75 | $40 | Drivers with a DWI |
| Mile Auto | 7.5 | $116 | $57 | Teen drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $75/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Irving drivers looking for liability coverage can benefit from having State Farm agents nearby. You’ll find 25 exclusive State Farm agents in the city, mostly on the north side of State Highway 183. State Farm is well-recognized and ranks above average in overall customer satisfaction, according to a 2023 J.D. Power study of auto insurers in Texas.
Pros
Large network of local agents
Discounts available for safe and good drivers
Mobile app allows for on-the-go policy management
Cons
No option to buy a policy online
99 Texas complaints in 2023, according to the National Association of Insurance Commissioners (NAIC)
Gap insurance not available
Best insurer for drivers with a DWI: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $81/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO understands the needs of drivers with a DWI on their record. For instance, your Texas DWI conviction may include a court-ordered financial responsibility insurance certificate (SR-22). Not only does GEICO offer SR-22 insurance, but the company’s customer service department will file one with the state for you.
Pros
Many available discounts
Emergency roadside assistance starts at just $14 per year
Highly rated mobile app
Cons
Only one agent in Irving
Below-average customer satisfaction, according to a J.D. Power's 2023 U.S. Auto Claims Satisfaction Study.
Gap insurance not available
Best insurer for teen drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $62/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $126/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
If you’re one of the more than 352,000 Texas drivers younger than 19, a pay-per-mile policy from Mile Auto can make car insurance more affordable. Mile Auto is best for drivers who spend fewer than 10,000 miles on the road per year — and teens only drive around 7,600 miles, on average, according to the Federal Highway Administration.
Pros
Premiums priced according to the miles you drive
No required telematics or tracking devices
Minimum-coverage and full-coverage policies available
Cons
Must submit an odometer photo every month
Longer car trips can spike premiums
No mobile app
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.
)
Read More: Insurify’s Guide to Lowering Your Car Insurance Costs
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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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $40 |
| GEICO | $43 |
| Allstate | $57 |
| Mile Auto | $62 |
| USAA | $71 |
| Nationwide | $91 |
| Mercury | $94 |
| Progressive | $109 |
| Safeco | $110 |
| Dairyland | $117 |
| Chubb | $122 |
| Clearcover | $134 |
| National General | $134 |
| 21st Century | $141 |
| Direct Auto | $142 |
| The General | $142 |
| Bristol West | $147 |
| Commonwealth Casualty | $148 |
| Elephant | $157 |
| GAINSCO | $181 |
| Liberty Mutual | $215 |
| State Auto | $271 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $261 a month for full-coverage car insurance. Below are the cheapest companies in the city with which to start your search.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $75 |
| GEICO | $81 |
| Allstate | $105 |
| Mile Auto | $126 |
| USAA | $133 |
| Mercury | $161 |
| Nationwide | $167 |
| Progressive | $190 |
| Safeco | $196 |
| Clearcover | $200 |
| Chubb | $225 |
| Elephant | $258 |
| 21st Century | $261 |
| Direct Auto | $272 |
| National General | $277 |
| Dairyland | $303 |
| The General | $310 |
| Bristol West | $314 |
| Liberty Mutual | $355 |
| GAINSCO | $384 |
| Commonwealth Casualty | $409 |
| State Auto | $499 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Irving, Texas
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $57/mo for full coverage in Irving and other Texas cities.
*Quotes generated for Insurify users in and around Irving, Texas within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. 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 November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
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 $268 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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $40 | $51 |
| GEICO | $43 | $55 |
| Allstate | $57 | $73 |
| Mile Auto | $62 | $80 |
| USAA | $71 | $91 |
| Nationwide | $91 | $118 |
| Mercury | $94 | $129 |
| Progressive | $109 | $139 |
| Safeco | $110 | $143 |
| Dairyland | $117 | $150 |
| Chubb | $122 | $159 |
| Clearcover | $134 | $173 |
| National General | $134 | $172 |
| 21st Century | $141 | $187 |
| Direct Auto | $142 | $182 |
| The General | $142 | $185 |
| Bristol West | $147 | $189 |
| Commonwealth Casualty | $148 | $204 |
| Elephant | $157 | $217 |
| GAINSCO | $181 | $250 |
| Liberty Mutual | $215 | $297 |
| State Auto | $271 | $374 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $284 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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $40 | $54 |
| GEICO | $43 | $59 |
| Allstate | $57 | $78 |
| Mile Auto | $62 | $86 |
| USAA | $71 | $97 |
| Nationwide | $91 | $125 |
| Mercury | $94 | $137 |
| Progressive | $109 | $149 |
| Safeco | $110 | $148 |
| Dairyland | $117 | $158 |
| Chubb | $122 | $167 |
| Clearcover | $134 | $196 |
| National General | $134 | $182 |
| 21st Century | $141 | $197 |
| Direct Auto | $142 | $197 |
| The General | $142 | $197 |
| Bristol West | $147 | $200 |
| Commonwealth Casualty | $148 | $197 |
| Elephant | $157 | $209 |
| GAINSCO | $181 | $236 |
| Liberty Mutual | $215 | $311 |
| State Auto | $271 | $400 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $323 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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $40 | $66 |
| GEICO | $43 | $71 |
| Allstate | $57 | $94 |
| Mile Auto | $62 | $102 |
| USAA | $71 | $117 |
| Nationwide | $91 | $150 |
| Mercury | $94 | $143 |
| Progressive | $109 | $180 |
| Safeco | $110 | $168 |
| Dairyland | $117 | $193 |
| Chubb | $122 | $201 |
| Clearcover | $134 | $221 |
| National General | $134 | $221 |
| 21st Century | $141 | $232 |
| Direct Auto | $142 | $234 |
| The General | $142 | $234 |
| Bristol West | $147 | $242 |
| Commonwealth Casualty | $148 | $244 |
| Elephant | $157 | $259 |
| GAINSCO | $181 | $298 |
| Liberty Mutual | $215 | $354 |
| State Auto | $271 | $447 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $206 a month for full-coverage insurance and $103 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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $57 | $30 |
| GEICO | $63 | $33 |
| Allstate | $82 | $45 |
| Mile Auto | $93 | $46 |
| USAA | $104 | $55 |
| Nationwide | $122 | $66 |
| Mercury | $124 | $73 |
| Progressive | $134 | $77 |
| Chubb | $160 | $87 |
| Safeco | $164 | $92 |
| Clearcover | $168 | $113 |
| 21st Century | $190 | $103 |
| Elephant | $206 | $125 |
| Direct Auto | $207 | $108 |
| National General | $207 | $100 |
| Dairyland | $236 | $91 |
| Bristol West | $246 | $115 |
| The General | $246 | $113 |
| Liberty Mutual | $291 | $176 |
| GAINSCO | $315 | $148 |
| Commonwealth Casualty | $319 | $116 |
| State Auto | $364 | $198 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
The average cost of car insurance for teen drivers in Irving is $481 a month for full coverage and $239 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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $134 | $72 |
| GEICO | $135 | $72 |
| Allstate | $195 | $106 |
| USAA | $232 | $124 |
| Mile Auto | $253 | $125 |
| Mercury | $296 | $173 |
| Nationwide | $304 | $165 |
| Progressive | $347 | $199 |
| Clearcover | $382 | $256 |
| Safeco | $391 | $220 |
| Elephant | $437 | $266 |
| Chubb | $447 | $242 |
| 21st Century | $461 | $249 |
| Dairyland | $510 | $197 |
| The General | $514 | $235 |
| Direct Auto | $517 | $270 |
| Bristol West | $551 | $258 |
| National General | $565 | $274 |
| Liberty Mutual | $635 | $384 |
| GAINSCO | $690 | $325 |
| Commonwealth Casualty | $736 | $266 |
| State Auto | $922 | $501 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Abilene | $201 | $94 |
| Amarillo | $234 | $104 |
| Dallas | $277 | $133 |
| El Paso | $202 | $97 |
| Fort Worth | $237 | $120 |
| Houston | $322 | $174 |
| Lubbock | $221 | $107 |
| San Antonio | $237 | $123 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Irving car insurance FAQs
Learn more about Texas auto accident laws and read the answers to common questions about car insurance in Irving below.
How much is car insurance in Irving?
The average cost of car insurance in Irving is $261 a month for full-coverage car insurance and $130 a month for liability-only policies.
What companies have the cheapest car insurance in Irving?
The cheapest car insurance company for liability-only coverage in Irving is State Farm, with rates as low as $40 per month. Irving drivers can also find affordable rates with the city's second- and third-cheapest insurers, GEICO and Allstate. Their minimum-coverage rates start at $43 and $57, respectively.
What are the best car insurance companies in Irving?
Some of the best car insurance companies in Irving include GEICO and State Farm. These insurers have strong Insurify Quality (IQ) Scores and customer satisfaction ratings, making them solid options for drivers. It’s a good idea to compare quotes from at least three insurers to find the best auto insurance company in Irving for your situation.
How much is car insurance per month in Texas?
The average cost of car insurance in Texas is $241 a month for full coverage and $120 a month for liability coverage.
What is the bare-minimum car insurance in Texas?
Texas requires drivers to purchase 30/60/25 liability coverage to drive. These limits translate into $30,000 per person and $60,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[2]
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Texas
Sources
- NAIC. "Auto Insurance."
- Texas Department of Insurance. "Auto insurance guide."
- Texas Automobile Insurance Plan Association. "How the TAIPA Application Process Works."
- NHTSA. "Speeding and Aggressive Driving Prevention."
- Office of Public Insurance Counsel. "How is My Car Insurance Rate Calculated?."
- Texas Department of Insurance. "Adding a teen driver to your insurance policy?."
- Texas Department of Insurance. "Credit Scoring and Insurance."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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