Finding Affordable Car Insurance in Irving, Texas

Located just west of Dallas, Irving is home to over 240,000 residents. As the 14th largest city in Texas, Irving drivers face car insurance rates that are about 25% higher than the national average. However, there are still options for cheap car insurance in Irving for those willing to shop around and compare.

In this comprehensive guide, we’ll cover everything you need to know about finding affordable car insurance in Irving, including:

• Average car insurance rates in Irving
• Factors that impact your car insurance premiums
• Tips for reducing your monthly payments
• The cheapest car insurance companies in Irving
• Sample quotes for different driver profiles

Average Cost of Car Insurance in Irving

The average car insurance rate in Irving is $65 per month for minimum liability coverage and $201 per month for full coverage.

Here’s a breakdown of average monthly car insurance costs in Irving:

• Minimum liability coverage: $65
• Full coverage: $201
• Minimum liability for drivers with a DUI: $113
• Minimum liability for teen drivers: $284

Car insurance costs are higher in Irving compared to the rest of Texas and the nation. Minimum liability coverage costs approximately 25% more than the national average.

Several factors contribute to the higher average car insurance rates in Irving, including:

• High rate of accidents
• Cost of auto repairs and medical care
• Rate of auto thefts
• Rate of uninsured drivers
• Severe weather events

While rates are higher on average, drivers can still find cheap car insurance in Irving, especially if they have a good driving record and credit score. Let’s look at how different factors impact your car insurance premiums.

Key Factors That Impact Car Insurance Costs in Irving

Car insurance companies take several personal factors into account when pricing your policy in Texas. Here are some of the biggest factors that affect your car insurance premiums:

Age

Younger drivers tend to pay the highest car insurance rates. In Irving, the average monthly minimum liability car insurance rate for teen drivers is $284. By comparison, middle-aged drivers pay around $64 per month. Once you turn 25, rates start to decrease as you gain more experience behind the wheel.

Driving Record

Getting a ticket or citation will cause your car insurance rates to go up. Drivers with accidents, DUIs, or multiple traffic violations pay much higher premiums. Having just one speeding ticket can increase your rates by 18% on average.

Credit History

Texas allows insurers to use your credit-based insurance score when pricing policies. Drivers with poor credit scores pay an average of 67% more than drivers with good credit. Maintaining a solid credit score is key for cheap car insurance.

Vehicle

The type of car you drive impacts your insurance premiums. Insuring a sports car or luxury vehicle that has high repair costs will be more expensive. Newer vehicles that have the latest safety equipment also tend to have lower rates.

Coverage Level

The amount of coverage you choose directly affects the cost. Minimum liability insurance is the cheapest option to meet state requirements. Comprehensive and collision coverage add more protection but also increase the monthly cost.

Deductible

Choosing a higher deductible like $500, $1,000 or $2,000 will lower your monthly premiums. Just keep in mind you pay more out-of-pocket when you file a claim.

Tips for Finding Cheap Car Insurance in Irving

Here are some smart strategies you can use to find cheaper car insurance rates if you live in Irving:

• Shop around – Compare quotes from at least three top insurers to find the best price. Rates can vary by hundreds of dollars between insurers.

• Maintain good credit – Having a good credit score can lower your rates substantially. Keep your credit utilization low and make payments on time.

• Ask about discounts – Take advantage of all the car insurance discounts you qualify for like good driver, multi-policy, paperless billing, etc.

• Raise deductibles – Increasing your deductibles to $500 or $1,000 can reduce your premiums by 10% to 30%.

• Improve driving skills – Taking a defensive driving course is a good way to lower your rates and become a safer driver.

• Reduce mileage – Driving fewer miles annually lowers your risk exposure. Consider carpooling, public transit or working from home.

• Drop unnecessary coverage – Removing comprehensive and collision coverage on older cars can save money.

• Enroll in usage-based program – Usage-based programs that track driving habits can help lower rates for safe drivers.

Cheapest Car Insurance Companies in Irving

We analyzed car insurance rates in Irving from over 25 leading insurers to find the most affordable options for minimum liability and full coverage.

Cheapest for Minimum Liability

The cheapest options for minimum liability car insurance in Irving are:

• State Farm – $33 per month
• Geico – $43 per month
• Texas Farm Bureau – $48 per month
• USAA – $49 per month (for military members)

Cheapest for Full Coverage

The most affordable full coverage car insurance providers in Irving are:

• State Farm – $121 per month
• Geico – $133 per month
• Texas Farm Bureau – $138 per month
• USAA – $173 per month (for military members)

To find the lowest rates tailored to your profile, it pays to get quotes from several of these top cheap insurers.

Car Insurance Rates in Irving by Age

Younger drivers pay the most for car insurance in Irving. Rates start to go down once you hit your mid-20s. Here’s how much drivers pay on average for minimum liability coverage based on age:

Teenagers can expect very high car insurance rates, with average premiums over $280 per month. Getting quotes from Geico or State Farm can help find cheaper rates for teen drivers.

Car Insurance Rates in Irving by Violation

Driving violations like speeding tickets, accidents, and DUIs will increase your car insurance costs. Here are the average monthly rates for minimum liability coverage for drivers with violations in Irving:

As you can see, a single speeding ticket increases average rates in Irving by 18% while an at-fault accident increases rates by 71%. Maintaining a clean driving record is key to lower car insurance premiums.

Sample Irving Car Insurance Quotes by Driver Profile

To give you a better idea of the cost of car insurance in Irving, here are some sample quotes generated for different driver profiles:

Profile: 28-year-old Single Man

• Drives 2015 Toyota Camry
• Full coverage with $500 deductibles
• Good credit score
• No accidents or tickets

With a clean record, this driver can find cheap rates from Geico and State Farm for full coverage.

Profile: 42-year-old Married Woman

• Drives 2017 Honda CR-V
• Minimum liability coverage
• 1 speeding ticket
• Very good credit

The speeding ticket bumps up rates a bit, but State Farm still offers an affordable monthly premium.

Profile: 19-year-old Male Driver

• Drives 2008 Toyota Corolla
• Minimum liability coverage
• No prior insurance or violations

As a teenage driver with no prior history, this driver will face high rates from most major insurers. Geico provides the cheapest option.

Profile: 30-year-old Single Woman

• Drives 2013 Honda Civic
• Minimum liability coverage
• Poor credit score
• At-fault accident in 2019

The accident and poor credit score really inflate rates. Geico offers the most affordable monthly payment for minimum coverage.

The Cheapest Car Insurance Companies in Irving

Our analysis shows State Farm and Geico consistently offer the most affordable rates in Irving, on average. They provide the best value for minimum liability and full coverage for most driver profiles.

Texas Farm Bureau is another great cheap option, though you have to be a member to get their low car insurance rates. USAA also has very competitive rates if you or a family member has military ties.

To find your own cheapest car insurance option in Irving, make sure to shop around and compare personalized quotes. Rates can vary greatly based on your specific driver profile and coverage needs. Taking the time to compare rates from at least 3-4 top insurers will help ensure you find the best deal.