Irving, TX Car Insurance
How much does car insurance cost in Irving?
The current going rate for auto insurance in Irving is $1,104 for a six-month policy, which is approximately $184 per month on average. It is crucial to do your due diligence and research different auto insurance providers to find the most competitive rate.
Residents of Irving pay more than the state average for Texas ($993) every six months and significantly more than the typical American pays ($880). Of our customers in Irving, 41% said they're paying too much for car insurance. Keep reading to get more information about what fair rates in Irving look like and how these costs are calculated.
| Car Insurance in Irving vs. Texas | Avg. 6 Mo. Premium |
|---|---|
| Irving Average | $1,104 |
| Texas Average | $993 |
The cheapest car insurance companies in Irving
GEICO is the cheapest at $129 per month or $775 for a six-month policy.
In second place is the Texas-based carrier Redpoint County Mutual, offering six-month rates of $799 ($133 per month).
Rounding out the list is Germania Insurance, which has a monthly price tag of $134 per month, or $803 for six months.Â
The Zebra's key takeaways about car insurance in Irving:
- The average cost of a car insurance policy in Irving is $1,104 per six-month policy — $184 per month.
- The cheapest company in Irving is GEICO ($775).
- 41% of Zebra customers in Irving stated they used our product because they were paying too much for car insurance.
Are you paying too much for auto insurance?
Irving car insurance rates by company
Our 2023 data indicates that Irving drivers can obtain affordable full coverage auto insurance from GEICO at a monthly cost of $129 or $775 for a six-month policy. The second most cost-effective option is Texas-based insurer, Redpoint County Mutual, with a monthly average of $799 or $133 for a six-month policy.
Find out which car insurance companies are highly rated with The Zebra's Customer Satisfaction Survey's results featured below.
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Cheapest car insurance companies in Irving, TX
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $775 |
| Redpoint County Mutual | $799 |
| Germania Mutual Group | $803 |
| Nationwide | $845 |
| State Farm | $870 |
| USAA | $945 |
| Progressive | $1,239 |
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
To locate cheap coverage that also satisfies your needs, the most efficient method is to compare. Insurance providers have varying rates, and so it's important to do your homework. Allow The Zebra to do the heavy lifting — input your ZIP code to view rates from top insurers such as Progressive, GEICO, Nationwide, and many more in Irving.
Average car insurance in Irving by rating factor
When computing individual rates, insurance companies take multiple factors into consideration. These rating factors are commonly used by all car insurance providers, but the significance they place on each factor may differ. One insurer may prioritize credit score, while another might place greater importance on claims history.
It's important to remember that the optimal insurance company for you can vary over time. As circumstances change and your insurance needs evolve, it's essential to shop around for quotes periodically to ensure that you're saving money and have the right coverage in Irving.
Q: I didn't have an accident — Why is my insurance going up?
A:Â The amount you pay for auto insurance in Irving is determined in large part by end-of-year earnings. Despite being a superior driver with an unblemished record, you may still end up paying more to one insurance company over another due to the escalating cost of doing business in Irving.
Auto insurance premiums by age in Irving
Age plays a crucial role in determining car insurance rates in Irving. Insurers use data to assess a driver's risk level and probability of filing a claim or getting into an accident. Teen drivers are more prone to accidents, which is why they typically have the highest insurance premiums to offset the cost of their claims. Drivers in their teens in Irving pay an average of $3,238 more per year than those in their 20s, representing the largest gap between any two age groups at a 133% difference.
Insurance rates for parents and their teenage drivers can be surprising and alarming, but it's important to understand that insurance companies exist to manage risk. While the initial rate may be high, it will gradually decrease as the teen driver gains more experience behind the wheel and demonstrates a safe driving record.
Cheapest car insurance companies for teen drivers in Irving, TX
| Company | Avg. 6 Mo. Premium |
|---|---|
| Redpoint County Mutual | $799 |
| GEICO | $1,969 |
| Germania Mutual Group | $2,042 |
| USAA | $2,120 |
| State Farm | $2,976 |
| Nationwide | $3,145 |
| Progressive | $5,826 |
| Age Bracket | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Redpoint County Mutual | $799 |
| 30s | Nationwide | $834 |
| 40s | Nationwide | $799 |
| 50s | Nationwide | $733 |
| 60s | Nationwide | $748 |
| 70s | Redpoint County Mutual | $871 |
Zebra Tip:Â The cheapest companies for Irving drivers between 20-40 are GEICO, Redpoint County Mutual, and Nationwide
The age range of drivers in Irving primarily falls between 20 and 40 years old. Typically, this group pays $1,267 every six months on average, but by selecting one of these insurance providers, they could potentially save up to 27%.
Auto insurance premiums for minimum coverage in Irving
The level of coverage you choose to carry is a key consideration in determining your car insurance premium in Irving. Based on our findings, approximately 35% of Irving drivers carry only the state minimum coverage. While this meets the legal requirements, carrying only the bare minimum could leave you underinsured.
If you choose to add collision coverage or comprehensive coverage (commonly referred to as "full coverage" when purchased together) to your policy in Irving, expect your insurance rates to increase significantly, along with the requirement of a deductible. Nevertheless, a deductible can work to your advantage. By raising your deductible, you can lower your premium, as the two are inversely related.
Insurance companies in Irving offer additional features such as roadside assistance or uninsured motorist coverage that can provide coverage in the event of an accident with an underinsured driver. While these features may raise your overall rates, The Zebra still advises carrying them as a means of securing additional financial protection and peace of mind.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
If you are leasing or financing your car, your lender will likely have insurance requirements that must be met. However, if you own your vehicle outright, you may be considering dropping comprehensive or collision insurance to save money. The Zebra recommends using a resource such as Kelley Blue Book to determine the actual cash value of your car before deciding if it's worth reducing your insurance coverage. A good rule of thumb is that if your vehicle is worth less than $4,000, you can probably eliminate your collision coverage, but keep in mind that you would be responsible for repairs after a collision.
Cheapest car insurance companies for minimum coverage in Irving, TX
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $298 |
| Germania Mutual Group | $322 |
| USAA | $348 |
| Redpoint County Mutual | $394 |
| State Farm | $413 |
| Nationwide | $454 |
| Progressive | $474 |
35% of our customers in Irving opt for minimum coverage, but it's important to consider your individual situation and make sure the coverage you choose is actually the best for you. While we understand state minimum or basic coverage is a budget-friendly solution, it can leave you at risk for damages that exceed your liability limits. Texas' 30/60/25 liability limits provide coverage for damage you cause up to $30,000 per person in bodily injury, $60,000 per accident in bodily injury and $25,000 for property damage. This may be enough coverage for most straightforward car accidents, but may not be sufficient for multiple vehicles or bodily injury situations.
Learn more about insurance laws in Texas.
Irving car insurance rates by credit score
In Irving, your credit score is an important factor in determining your insurance rate, just like it is in most states. Louisiana is no exception to this rule. Several factors contribute to this, but ultimately it comes down to risk. Research and analysis over the years have shown that drivers with lower credit scores tend to file more claims, engage in risky driving behaviors, and have lapses in their insurance coverage. Since bad credit is linked to higher risk, the worse your credit score, the more you'll pay for car insurance.
In Irving, drivers with poor credit (300-579) pay 108% more for car insurance than drivers with excellent credit (800-850). According to our research, 32% of drivers in Irving have a credit score in the average (580-679) category. In 2023, Redpoint County Mutual is the most affordable choice for drivers in Irving in this credit range
Cheapest car insurance companies for bad credit in Irving, TX
| Company | Avg. 6 Mo. Premium |
|---|---|
| Redpoint County Mutual | $799 |
| GEICO | $1,193 |
| Nationwide | $1,305 |
| Germania Mutual Group | $1,476 |
| State Farm | $1,788 |
| USAA | $1,872 |
| Progressive | $2,173 |
Zebra Tip: If you recently improved your credit score, shop around for car insurance!
In Irving, our data indicate that drivers with "Fair" credit pay $1,088 less per year for car insurance than drivers with "Poor" credit. This represents a 41% discount! If you've been working on improving your credit score, it may be a good time to shop around for car insurance and see how much you could save.
Auto insurance rates with an at-fault accident
In Irving, collision-type accidents and at-fault violations are the most common type of insurance claims. These types of incidents can dramatically increase your rates. In 2023, an at-fault accident raised the average car insurance rates in Irving by a difference of $44 to $109 per month. Redpoint County Mutual is the least expensive insurance company in Irving after an at-fault accident, with Germania Insurance a close second.
The best way to keep your insurance rates affordable in Irving is to drive safely and avoid violations. While some things are beyond our control, do your best to avoid charges such as speeding citations, DUIs or DWIs, and reckless driving. Your car insurance rates will likely be affected by these incidents for three to five years, and some of the more serious violations can follow you for even longer periods.
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Cheapest car insurance companies after an at-fault accident in Irving, TX
| Company | Avg. 6 Mo. Premium |
|---|---|
| Redpoint County Mutual | $799 |
| Germania Mutual Group | $1,034 |
| State Farm | $1,059 |
| GEICO | $1,122 |
| Nationwide | $1,388 |
| USAA | $1,443 |
| Progressive | $1,791 |
Irving car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Irving.
Car insurance rate increases after violations and citations in Irving, TX
Why is car insurance in Irving so expensive?
Drivers in Irving know that finding affordable auto insurance can be a challenge. The cost of coverage in this area is influenced by a number of factors, including the overall cost of living and the number of accidents and thefts that occur each year. Insurance companies in Irving often have to charge higher rates to cover their expenses, which can include everything from employee salaries to office rent. All of these factors can make it tough to find a car insurance policy that fits your budget in this Texas city.
Below you'll find a rundown of why car insurance is so expensive in Irving — regardless of your driving profile.
If you're a driver in Irving, it's important to understand how your location can impact your auto insurance rates. Some neighborhoods in the city are considered higher risk than others, which can drive up rates for drivers in those areas. Insurance companies must account for factors like crime rates and the risk of accidents or thefts when setting rates, which can make auto insurance more expensive in some parts of the city. By contrast, drivers in safer neighborhoods may be able to find more affordable car insurance, as their lower risk profile makes them less expensive to insure. A perk of Irving is that the difference between ZIP codes is only a few dollars a month.
The damage caused by hurricanes and other similar weather-related damage can and has bankrupted insurance companies. Texas is no stranger to extreme weather, and the Dallas-Fort Worth metro experiences its fair share. Because of this risk, it can be costly for auto insurance companies in Irving and nearby areas to do business. As such, they will raise their rates to anticipate further weather-related losses.
Damage to your vehicle caused by flooding is covered under your comprehensive coverage. If you have a new or nice vehicle, we definitely recommend considering comprehensive coverage as part of your Irving car insurance policy.
With a population of almost 255,000 in 2022, Irving has busy roads that can cause more accidents, leading to insurance companies assuming more risk and charging higher premiums for all.[1] In addition, around 32% of drivers in Irving are uninsured, which means that if an uninsured driver hits you, you may have to pay for the damages.
Zebra Tip: Comprehensive coverage and uninsured property damage coverage are good to have in Texas
Damage caused by weather-related events is covered under comprehensive coverage. If you're worried about flooding or other weather-related events damaging your vehicle, consider if this coverage is right for you.
Living in an area with a high rate of uninsured drivers can be nerve-wracking, but adding uninsured motorist coverage (UMPD) to your auto insurance policy can provide some peace of mind. This coverage can help cover damages to your vehicle or medical bills resulting from any injuries sustained in an accident caused by an uninsured driver. UMPD coverage is often more affordable than collision coverage and typically has a lower deductible. Plus, filing a claim under UMPD is unlikely to have as significant an impact on your insurance rates compared to a collision claim.
Bundling insurance policies in Irving
It's no secret that car insurance rates seem to be increasing all the time, but there are still ways to save money on your policy. One of the best is to bundle your policies with a single insurance company. By combining your auto insurance with a renters or homeowners policy, for example, you may be eligible for discounts that could help you save up to 10% on your premiums. For drivers looking to cut costs, bundling home and car insurance is a smart strategy.
If you're looking for ways to save money on your insurance, bundling your home and car insurance with a single insurer is a smart move. By combining your policies, you can often lower your premiums and simplify your coverage. If you're currently carrying separate policies, contact your insurance agent to see if bundling is an option for you. And as you shop around for rates, be sure to ask about bundling discounts. The companies below are some of the best when it comes to offering savings on bundled home and auto coverage.
Cheapest car insurance companies for bundling home and auto insurance in Irving, TX
| Company | Avg. 6 Mo. Premium |
|---|---|
| Germania Mutual Group | $687 |
| GEICO | $727 |
| State Farm | $730 |
| Nationwide | $760 |
| Redpoint County Mutual | $799 |
| USAA | $866 |
| Progressive | $1,046 |
When it comes to your car insurance premium, there are a lot of factors at play. Some of these factors are beyond your control, but others are within your power to influence. One thing you can do to make sure you're getting a fair rate is to shop around for quotes from different auto insurers. This way, you can compare rates and coverage options to find the policy that best meets your needs without sacrificing quality or customer service.
It's easy to overlook the potential for savings on your car insurance when significant life events or financial changes occur. However, improving your credit score or reaching a milestone birthday can lead to lower rates. And if you're paying more than you'd like for coverage, it may be worth your time to research other providers and switch to a more affordable option that better fits your needs.
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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 editorial 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.