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 AverageNational Average
$1,518$1,415$1,548

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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
CompanyAverage Annual Rate
USAA$1,310
GEICO$1,329
State Farm$1,383
Allstate$2,447

Read our guide to finding the best cheap auto insurance.



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 tierAverage Annual Rate
Teenagers$3,895
20s$1,975
30s$1,494
40s$1,454
50s$1,316
60s$1,364
70s$1,684

Learn more about how age influences auto insurance rates.



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/GenderAverage Yearly Rate
Female$1,508
Male$1,518
Single$1,417
Married$1,417
Divorced$1,518
Widowed$1,382

Read more about the relationships between gender, marital status and insurance rates.



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/IncidentAverage Yearly Rate
DWI/DUI$2,371
Reckless Driving$2,352
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

Learn more about citations' impact on your auto insurance rates.



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 ScoreAverage Yearly Rate
Very Poor$3,191
Fair$1,887
Good$1,518
Very Good$1,410
Exceptional$1,250

Get additional information on how credit impacts car insurance costs.



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.

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

Find Local Irving Agents

Assured Advantage Insurance

5700 Granite Pkwy Ste 200, Plano, TX 75024

Davidson Stewart Morelock Independent Insurance Group

3110 Webb Ave Ste 150, Dallas, TX 75205

Bibby, Brilling & Associates, LLP

5031 McKinney Ave, Dallas, TX 75205

AmeriCap Insurance Group LLC

15770 N. Dallas Parkway Ste. 600, Dallas, TX 75248

Stogner & Associates Insurance

5538 South Hampton Road, Dallas, TX 75232

Champion Commercial Insurance

3025 Commerce St, Dallas, TX 75226

Preferred Personal Insurance Agency, LLP

1431 Greenway Dr Ste 145, Irving, TX 75038

Goosehead Insurance Agency, LLC

100 E Royal Ln Ste. 320, Irving, TX 75039

American Option Insurance Agency

5412 W Plano Pkwy Ste 100, Plano, TX 75093

CoVerica

5999 Summerside Dr Ste 200, Dallas, TX 75252

Harris F. Underwood III, Inc.

3114 Main Street, Dallas, TX 75226

A R SCHELL & SON AGENCY - INSURANCE

1001 E 15th Street Suite 100, Plano, TX 75074

Twfg- Burridge Family Insurace

10925 Estate Lane Suite 148, Dallas, TX 75238

Frederiksen & Frederiksen

12900 Preston Road, Suite 500, Dallas, TX 75230

TexCap-Concord Insurance Services, LP

13465 Midway Rd Ste 200, Dallas, TX 75244

Bell Insurance

16980 Dallas Pkwy Suite 210, Dallas, TX 75248

Benefit Resource Group

6211 W. Northwest Hwy Suite 151, Dallas, TX 75225

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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