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What's the average cost of car insurance in Irving?
Car insurance coverage costs an average of $1,518 each year in Irving. That's more than the statewide average in Texas ($1,415) and less expensive than the national average of $1,548. Our guide to Irving car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
IRVING AUTO INSURANCE PREMIUMS
|Irving Average (yearly)||Texas Average||National Average|
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Irving auto insurance costs by company
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical insurance customer, USAA provides Irving's cheapest rates. We've listed the best cheap car insurance companies in Irving below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
IRVING AUTO INSURANCE RATES BY COMPANY
|Company||Average Annual Rate|
Auto insurance premiums by age in Irving
The age bracket that pays the least for auto insurance in Irving consists of drivers in their 50s, who pay an average of $1,316. Rates for Irving drivers in their 60s are also relatively affordable, at just $1,364 per year.
Teenage drivers pay Irving's most expensive auto insurance rates. When Irving drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Irving is $1,920, the largest such difference between any two age groups.
IRVING CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age tier||Average Annual Rate|
Irving auto insurance costs by marital status and gender
Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Irving, married motorists pay $101 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Irving, single drivers pay more than those who are widowed.
Gender is another factor that can influence auto insurance rates. The typical male driver in Irving pays $10 more each year for car insurance than does his female counterpart.
INSURANCE RATES IN IRVING BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Irving auto insurance costs by violation history
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Irving drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $834 per year versus the city average. A ticket for speeding results in a $131 rate hike while a DWI or DUI violation costs $854per year in extra insurance expenditures.
IRVING CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,927|
|At-fault Accident (damages greater than $2,000)||$2,310|
|Speeding Ticket (16-20 mph over speed limit)||$1,649|
Irving car insurance costs by credit level
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In fact, Irving drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 61% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Irving, improving your credit to "Fair" corresponds with a $1,305 decrease in annual car insurance rates.
IRVING CAR INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Score||Average Yearly Rate|
What drives up car insurance rates in Irving?
Where you live in Irving affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Irving is no exception to the rule. From ZIP code 75063 to 75061, premiums rise by 8 percent—that’s $125.
Expensive Irving ZIP codes: 75038, 75062, 75061
Cheap Irving ZIP codes: 75063, 75039, 75038
Irving Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, & decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Irving, you can expect 77 rainy days with an annual rainfall of 33 inches. Irving is also known to experience thunderstorms and flash floods.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Irving
Find Local Irving Agents
Champion Commercial Insurance
3025 Commerce St, Dallas, TX 75226
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Ste 150, Dallas, TX 75205
American Option Insurance Agency
5412 W Plano Pkwy Ste 100, Plano, TX 75093
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Ste. 600, Dallas, TX 75248
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148, Dallas, TX 75238
5999 Summerside Dr Ste 200, Dallas, TX 75252
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200, Dallas, TX 75244
Assured Advantage Insurance
5700 Granite Pkwy Ste 200, Plano, TX 75024
16980 Dallas Pkwy Suite 210, Dallas, TX 75248
Stogner & Associates Insurance
5538 South Hampton Road, Dallas, TX 75232
Bibby, Brilling & Associates, LLP
5031 McKinney Ave, Dallas, TX 75205
Benefit Resource Group
6211 W. Northwest Hwy Suite 151, Dallas, TX 75225
Harris F. Underwood III, Inc.
3114 Main Street, Dallas, TX 75226
Goosehead Insurance Agency, LLC
100 E Royal Ln Ste. 320, Irving, TX 75039
A R SCHELL & SON AGENCY - INSURANCE
1001 E 15th Street Suite 100, Plano, TX 75074
Frederiksen & Frederiksen
12900 Preston Road, Suite 500, Dallas, TX 75230
Preferred Personal Insurance Agency, LLP
1431 Greenway Dr Ste 145, Irving, TX 75038
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.