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