How Much Does Auto Insurance Cost in Irving?


It is vital to save while insuring a vehicle in Irving because premiums in Texas are known for being expensive. They are generally 14% greater than the national average. Keep some cash in your pocket by following our tips and saving on car insurance in Irving.


CAR INSURANCE PREMIUMS: IRVING VS. NATIONAL/STATE MEAN
City AverageState AverageNational Average
$1,929$1,792$1,569


Irving Car Insurance by Accident or Violation History


Do you realize the impact an accident or violation can have on your prices on car insurance? An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. The severity of an at-fault accident influences insurance rates. When comparing premiums for drivers with at-fault accidents in Irving, those with damages exceeding $2,000 pay $455 more than those with damages less than $1,000. Drivers with a DUI in Irving need to spend 38% more than the city average to insure their vehicle. Reckless driving will bump your rates up as well, with average rates of $2,717.


AVERAGE IRVING INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Rate
DUI$2,662
Reckless Driving$2,717
At-fault Accident (damages less than $1,000)$2,468
At-fault Accident (damages greater than $2,000)$2,923
Speeding Ticket (16-20 mph over speed limit)$2,026


Irving Auto Insurance by Driver Age

When drivers reach their 20s in Irving, therefore moving out of the teenage age bracket, they can save $4,492, which is the most change you'll see between any age group. While rates for drivers in Irving will continue to fall through their 50s, they should anticipate to pay more when they turn 60. With payments of $6,135 on average, teenage drivers are the ones who pay the most in car insurance premiums. Among all age groups, drivers in their 50s have the smallest insurance payments, with rates of $1,643. Those in their 60s ($1,709) aren’t paying significantly more.


IRVING CAR INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$6,135
20s$2,427
30s$1,905
40s$1,850
50s$1,643
60s$1,709
70s$2,071


Irving Car Insurance by Marital Status and Gender


Car insurance premiums in Irving are affected by gender and marital status. However, premiums for men and women usually only deviate slightly, with men paying more. Did you know that in your city marital status can actually change your premiums substantially? You can save approximately $190 per year if you're married as opposed to single. Rates for those who are widowed are also much cheaper than rates for those who are single.


IRVING AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,915
Male$1,929
Single$1,929
Married$1,738
Divorced$1,929
Widowed$1,822


Irving Car Insurance by Credit Rating


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you $1,724 each year on premiums. Drivers will see the biggest decrease in premiums when they improve their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,183 per year.


IRVING CAR INSURANCE COSTS BY CREDIT LEVEL
Credit LevelAverage Rate
Very Poor$3,413
Fair$2,230
Good$1,929
Very Good$1,820
Exceptional$1,690


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. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

77

Rainy Days a Year

33"

Avg. Annual Rainfall

3"

Avg. Annual Snowfall

Be Prepared For

Driving in Irving

2
Major Highways
SH 183 I-635 SH 14
2
Public Transit
DART Rail DART Bus
2
Toll Roads
President George Bush Turnpike

Car Insurance Companies in Irving

Apparent AssuranceAmerica Bristol West Commonwealth Casualty Dairyland Direct Auto Elephant Falcon GAINSCO Hallmark Infinity Kemper Auto Lamar General Agency Liberty Mutual Mendota Mercury MetLife Pronto Pronto Flex Safe Auto Safeco State Auto Stillwater The General Travelers

Find Local Irving Agents

Harris F. Underwood III, Inc.

3114 Main Street Dallas, TX 75226

Davidson Stewart Morelock Independent Insurance Group

3110 Webb Ave Dallas, TX 75205

Stogner & Associates Insurance

5538 South Hampton Road Dallas, TX 75232

Frederiksen & Frederiksen

12900 Preston Road, Suite 500 Dallas, TX 75230

Benefit Resource Group

6211 W. Northwest Hwy Dallas, TX 75225

American Option Insurance Agency

5412 W Plano Pkwy Plano, TX 75093

Goosehead Insurance Agency, LLC

100 E Royal Ln Irving, TX 75039

A R SCHELL & SON AGENCY - INSURANCE

1001 E 15th Street Plano, TX 75074

Bell Insurance

16980 Dallas Pkwy Dallas, TX 75248

TexCap-Concord Insurance Services, LP

13465 Midway Rd Ste 200 Dallas, TX 75244

Twfg- Burridge Family Insurace

10925 Estate Lane Suite 148 Dallas, TX 75238

CoVerica

5999 Summerside Dr Ste 200 Dallas, TX 75252

Preferred Personal Insurance Agency, LLP

1431 Greenway Dr Irving, TX 75038

AmeriCap Insurance Group LLC

15770 N. Dallas Parkway Dallas, TX 75248

Assured Advantage Insurance

5700 Granite Pkwy Ste 200 Plano, TX 75024

Bibby, Brilling & Associates, LLP

5031 McKinney Ave Dallas, TX 75205

Champion Commercial Insurance

3025 Commerce St Dallas, TX 75226

2

$1,557

The average Irving resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

249

That's equal to 249 cups of coffee or $623 in savings

See How Much You Can Save in Irving

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Irving Car Insurance

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