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 Average||State Average||National Average|
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 Violation||Average Rate|
|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
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/Gender||Average Rate|
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 Level||Average 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. 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Irving Agents
16980 Dallas Pkwy Dallas, TX 75248
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
American Option Insurance Agency
5412 W Plano Pkwy Plano, TX 75093
Preferred Personal Insurance Agency, LLP
1431 Greenway Dr Irving, TX 75038
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
Stogner & Associates Insurance
5538 South Hampton Road Dallas, TX 75232
Assured Advantage Insurance
5700 Granite Pkwy Ste 200 Plano, TX 75024
5999 Summerside Dr Ste 200 Dallas, TX 75252
Goosehead Insurance Agency, LLC
100 E Royal Ln Irving, TX 75039
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
Harris F. Underwood III, Inc.
3114 Main Street Dallas, TX 75226
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Dallas, TX 75248
A R SCHELL & SON AGENCY - INSURANCE
1001 E 15th Street Plano, TX 75074
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
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Irving Car Insurance
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