Irving Car Insurance

What's the Cost of Car Insurance in Irving?

If you are insuring a vehicle in Irving, understanding premium costs is vital because premiums in Texas are recognized for being expensive. They generally exceed the national average by 27%. We've analyzed how car insurance rates in Irving compare to costs nationwide.

INSURANCE RATES: IRVING VS. NATIONAL/STATE AVERAGES

Irving Auto Insurance for Drivers With At-Fault Accidents or Violations

Being knowledgable about which driving mishaps can make the cost of car insurance rates spike will help you make better decisions and save money. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Accidents happen, even to safe drivers, so be prepared and learn the effect one can have on your rates. Expect your yearly car insurance premiums to grow by $940 if you are found at-fault in an accident in Irving. Drivers with a DUI in Irving have rates that surpass the city average of $1,910 by $785. Reckless driving will also push your premiums up, with typical rates of $2,635, which are 38% higher than the city average.

AVERAGE IRVING INSURANCE RATES AFTER A VIOLATION OR ACCIDENT

Irving Auto Insurance by Credit Rating

Improving your credit can save you a good chunk of money. Those in the bottom credit tier (300-579) generally pay more than twice as much for car insurance than those in the top credit tier (800-850). Moving from Very Poor (300-579) to Fair (580-669) generates the biggest decrease in premiums, as drivers save close to $394 per year.

IRVING CAR INSURANCE COSTS BY CREDIT TIER

Irving Auto Insurance by Gender and Marital Status

Car insurance premiums in Irving are affected by gender as well as marital status. However, premiums for women are usually only a little cheaper than for men. Did you know that in your city marital status can actually change your premiums substantially? Single individuals spend close to $190 more per year compared to those who are married. Rates for those who are widowed are also way cheaper than rates for those who are single.

IRVING CAR INSURANCE RATES BY GENDER AND MARITAL STATUS

Irving Car Insurance Costs by Driver Age

Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest payments among any age group, with rates of $1,628/year. People in their 60s ($1,699) also have relatively low premiums. Teenage drivers have the most expensive rates amongst all the age groups, with car insurance payments of $6,116 on average. The largest dip in premiums for Irving drivers happens when they hit their 20s. Once out of the teenage age bracket, people pay 62% less in premiums. Rates in Irving continue to trend downward up until drivers hit 60.

IRVING AUTO INSURANCE RATES BY AGE

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