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
|City Average||State Average||National Average|
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
|Violation/Incident||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$2,850|
|At-fault Accident (damages greater than $2,000)||$2,850|
|Speeding Ticket (16-20 mph over speed limit)||$1,985|
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
|Credit Level||Average Auto Insurance Rate|
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
|Marital Status/Gender||Average Rate|
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
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
Car Insurance Companies in Irving
Find Local Irving Agents
American Option Insurance Agency
5412 W Plano Pkwy Plano, TX 75093
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
5999 Summerside Dr Ste 200 Dallas, TX 75252
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
Goosehead Insurance Agency, LLC
100 E Royal Ln Irving, TX 75039
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
Preferred Personal Insurance Agency, LLP
1431 Greenway Dr Irving, TX 75038
16980 Dallas Pkwy Dallas, TX 75248
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Dallas, TX 75248
Harris F. Underwood III, Inc.
3114 Main Street Dallas, TX 75226
A R SCHELL & SON AGENCY - INSURANCE
1001 E 15th Street Plano, TX 75074
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
Assured Advantage Insurance
5700 Granite Pkwy Ste 200 Plano, TX 75024
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
Stogner & Associates Insurance
5538 South Hampton Road Dallas, TX 75232
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Irving Car Insurance
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