Irving Car Insurance

Car Insurance in Irving

If you are insuring a vehicle in Irving, being knowledgeable about premiums is vital because Irving premiums are known for being expensive. They are generally $100 greater than Texas' average. Let’s get started on how to save on car insurance in Irving.

• City Average: $1,910
• State Average: $1,810
• National Average: $1,427

Irving Car Insurance by Credit Rating

Improving your credit can save you a sizable amount of money. Those in the bottom credit tier (300-579) pay an average of more than twice as much for car insurance than those in the top credit tier (800-850). Drivers can save around $394 per year when they improve their credit tier from Very Poor (300-579) to Fair (580-669).

• Very Poor: $3,320
• Fair: $2,811
• Good: $2,337
• Very Good: $1,974
• Exceptional: $1,580

Irving Car Insurance by Gender and Marital Status

In Irving, various driver characteristics, including gender and marital status, can have an effect on car insurance premiums. In your city, marital status actually has a substantial impact on premiums. You can save an average of $186 per year if you're married as opposed to single or divorced. Rates for those who are widowed are also significantly cheaper than rates for those who are single. Premiums for men and women tend to vary a bit, with men paying more.

• Female: $1,895
• Male: $1,910
• Single: $1,910
• Married: $1,724
• Divorced: $1,910
• Widowed: $1,725

Irving Car Insurance by Accident or Violation History

Knowing which driving mishaps can make the price of 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. Expect your yearly car insurance premiums to increase by 49% if you are found at-fault in an accident in Irving. Drivers with a DUI in Irving need to spend $785 more than the city average to insure their vehicle. Reckless driving will bump your rates up as well, with typical rates of $2,635.

• DUI: $2,695
• Reckless Driving: $2,635
• At-fault Accident (damages less than $1000): $2,850
• At-fault Accident (damages greater than $2000): $2,850
• Speeding Ticket (16-20 mph over speed limit): $1,985

Irving Car Insurance by Age

The biggest decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Irving start saving an average of 62%. In Irving, turning 60 means a rise in rates. Up until then, progressing between age groups means decreasing prices. With typical rates of $6,116, teenage drivers pay the most in car insurance premiums. Drivers in their 50s save money on insurance, as they have the lowest rates among all age groups, paying only $1,628 every year. People in their 60s ($1,699) aren’t paying significantly more.

• Teenagers: $6,116
• 20s: $2,310
• 30s: $1,882
• 40s: $1,823
• 50s: $1,628
• 60s: $1,699
• 70s: $2,108

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