Compare Irving, TX Car Insurance Rates (2021)

Irving, TX car insurance is $4,373/yr or $364/mo on average. However, USAA and State Farm offer the cheapest car insurance rates in Irving, Texas. However, your Irving, TX car insurance quotes vary for each driver based on the company and other factors. Compare multiple Texas auto insurance companies online to find the best rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 23, 2021

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Here's what you need to know...

  • Irving, TX auto insurance is $330 more per year than the Texas average
  • You can secure cheap car insurance by keeping a good credit score and maintaining a clean driving record
  • Vehicle theft has a low effect on car insurance in Irving, Texas

On average, Irving, TX car insurance is $364 per month. However, the Texas car insurance average is $337 per month. Therefore, car insurance in Irving, Texas, is $36 more than the national average.

But why is Irving, TX car insurance so expensive?

Car insurance rates are determined by various factors, including the company you choose, your driving history, and much more. Don’t worry – we’re here to help. Our guide explains how you can get cheap car insurance in Irving, Texas.

Ready to find affordable Irving, TX car insurance? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Irving, TX?

The cheapest car insurance company in Irving, Texas, is USAA. However, USAA is only available for military veterans and their immediate families. The following most affordable companies are State Farm and GEICO.

Here are the best auto insurance companies in Irving, Texas, ranked from cheapest to most expensive:

  • USAA – $2,722
  • State Farm – $3,272
  • GEICO – $3,561
  • Nationwide – $3,966
  • Progressive – $4,615
  • Allstate – $5,770
  • American Family – $6,706

USAA, State Farm, GEICO, and Nationwide are the only Irving companies with cheaper than average auto insurance rates. However, your car insurance rates will depend on personal factors.

The most significant factor is your driving record. Some car insurance companies provide up to 40 percent off if you have a clean driving record. You can even save money on monthly premiums if your credit history is good.

Another critical factor that determines auto insurance is location. Car insurance companies can base your rates on the neighborhood ZIP code.

So what’s the cheapest neighborhood in Irving, TX? The most affordable ZIP code in Irving, Texas, is 75039, and its average car insurance cost is $515 per month.

Irving male drivers under 25 may have car insurance rates that are three times more than average. Meanwhile, drivers who are 25 and older will pay $1,000 less at the very least.

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What are the minimum car insurance coverage requirements in Irving, TX?

The minimum car insurance requirements in the Irving, TX area are:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

Health insurance and car prices continue to rise. To reduce out-of-pocket expenses, consider increasing coverage limits.

What affects car insurance rates in Irving, TX?

Your commute to work and your location’s vehicle theft rate can determine your car insurance cost. How come? Your chances of getting into an accident increase the more you drive.

Meanwhile, vehicle thefts determine your chances of filing a comprehensive insurance claim. According to the FBI statistics, the city of Irving, TX, had 711 auto thefts.

According to City-Data, it takes 23 minutes for the average driver to get work in Irving, TX.

Irving, TX Car Insurance: The Bottom Line

You can secure cheap car insurance in Irving, TX, by maintaining a clean driving record. If you have a good credit score, take advantage of the low prices provided by your auto insurance provider.

Also, your vehicle’s safety and anti-theft features can save you money on car insurance. Most car insurance companies will issue discounts for certain vehicle features.

Before you buy car insurance in Irving, Texas, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Irving, TX car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State