Cheapest Car Insurance In Irving, TX 2025
For drivers in Irving, Texas Farm Bureau provides minimum coverage car insurance at the most affordable average rate of $30 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
In Irving, TX, the quest for cheap car insurance can lead to a wide array of price options.
For liability-only policies, Texas Farm Bureau is the most affordable. State Farm excels in offering low-cost full coverage, and Texas Farm Bureau is unbeatable for young drivers.
Cheapest Car Insurance Companies In Irving, TX







Cheapest Full Coverage Insurance Rates In Irving: State Farm
State Farm is the most budget-friendly choice for full coverage car insurance in Irving, with average quotes of $88 monthly.
The table below presents average auto insurance quotes from reasonably priced providers in Irving.
Provider | Average Monthly Cost | Average Annual Cost |
State Farm | $88 | $1,056 |
AAA Texas | $118 | $1,416 |
GEICO | $125 | $1,500 |
Mercury | $135 | $1,620 |
Progressive | $101 | $1,212 |
Cheapest Liability-only Car Insurance In Irving: Texas Farm Bureau
At $30 a month on average, Texas Farm Bureau is the lowest-cost option for minimum coverage car insurance in Irving.
Review the table to analyze the rate options available from different insurers.
Provider | Average Monthly Cost | Average Annual Cost |
Texas Farm Bureau | $30 | $360 |
AAA Texas | $56 | $672 |
State Farm | $40 | $480 |
Allstate | $65 | $780 |
National General | $62 | $744 |
Cheapest Rates In Irving For Teenagers: Allstate
Allstate provides Irving’s lowest rates for teenage drivers, averaging $80 per month for car insurance.
The table below displays the companies with the best insurance rates for teenage drivers.
Provider | Average Monthly Cost | Average Annual Cost |
Allstate | $80 | $960 |
Mercury | $180 | $2,160 |
Nationwide | $320 | $3,840 |
State Farm | $110 | $1,320 |
Chubb | $260 | $3,120 |
Cheapest Car Insurance Rates For Seniors: State Farm
The most affordable car insurance for seniors in Irving comes from State Farm, with an average cost of $36 per month.
The table below compares average auto insurance rates from the most affordable insurers for seniors.
Provider | Average Monthly Cost | Average Annual Cost |
State Farm | $36 | $432 |
Progressive | $50 | $600 |
Allstate | $67 | $804 |
AAA Texas | $58 | $696 |
Mercury | $40 | $480 |
Cheapest Auto Insurance For Young Adults in Irving: Texas Farm Bureau
In Irving, young adults can get the cheapest car insurance from Texas Farm Bureau, with an average cost of $38 per month.
The table below provides a comparison of the most affordable car insurance for young adults in Irving.
Provider | Average Monthly Cost | Average Annual Cost |
Texas Farm Bureau | $38 | $456 |
Progressive | $58 | $696 |
Mercury | $47 | $564 |
Allstate | $83 | $996 |
State Farm | $46 | $552 |
Cheapest Car Insurance In Irving For Good Drivers: Texas Farm Bureau
Texas Farm Bureau stands out as the cheapest car insurance provider for good drivers in Irving, with average premiums of $30 a month.
The table below compares average quotes from affordable insurance options for good drivers.
Provider | Average Monthly Cost | AverageAnnual Cost |
Texas Farm Bureau | $30 | $360 |
AAA Texas | $56 | $672 |
State Farm | $40 | $480 |
Allstate | $65 | $780 |
National General | $62 | $744 |
Find affordable Irving rates
Cheapest For Drivers With After At-Fault Accident: State Farm
For drivers who have caused an at-fault accident, State Farm provides the most affordable car insurance, with an average premium of $49 per month.
These are the companies offering the best car insurance rates for drivers who have had an at-fault accident.
Provider | Average Monthly Cost | Average Annual Cost |
State Farm | $49 | $588 |
Progressive | $76 | $912 |
Texas Farm Bureau | $49 | $588 |
GEICO | $92 | $1,104 |
AAA Texas | $85 | $1,020 |
Cheapest Rates In Irving For Drivers After A DUI: Mercury
Drivers in Irving who have a DUI on their record can get the cheapest insurance from Mercury, with rates averaging $53 a month.
The table below lists the most cost-effective car insurance providers for Irving drivers with a DUI.
Provider | Average Monthly Cost | Average Annual Cost |
Mercury | $53 | $636 |
Texas Farm Bureau | $67 | $804 |
AAA Texas | $87 | $1,044 |
State Farm | $73 | $876 |
Foremost | $103 | $1,236 |
Cheapest Car Insurance In Irving After A Speeding Ticket: Texas Farm Bureau
For drivers with a speeding ticket on their record, Texas Farm Bureau offers some of the cheapest rates in Irving, averaging $31 per month.
Use the table below to find out the average rates for drivers who have a speeding ticket.
Provider | Average Monthly Cost | Average Annual Cost |
Texas Farm Bureau | $31 | $372 |
Mercury | $53 | $636 |
State Farm | $38 | $456 |
Allstate | $65 | $780 |
AAA Texas | $75 | $900 |
Best Car Insurance Companies In Irving
The most affordable car insurance in Irving comes from Texas Farm Bureau , averaging $30 per month, while State Farm and AAA Texas offer competitive rates at $40 and $56 monthly.
The following table shows the top 10 car insurance companies in Irving, TX, ranked by their average monthly rates.
Company | Monthly Premium |
Texas Farm Bureau | $30 |
AAA Texas | $56 |
State Farm | $40 |
Allstate | $65 |
National General | $62 |
Mercury | $39 |
Progressive | $52 |
GEICO | $68 |
Mile Auto | $64 |
Root | $96 |
Average Auto Insurance Rates In Irving – By Age
The cost of car insurance is often influenced by age. Due to their inexperience and higher risk of accidents, younger drivers generally pay more for insurance. Teenagers can expect to pay approximately $5,057 each year.
Drivers often see a decline in insurance rates at age 25, assuming they maintain a clean driving record.
Car insurance companies often provide the best rates to drivers in their 50s and early 60s, as they are considered to have more experience and a reduced risk of accidents.
Age | Average Yearly Rate |
Teenagers | $5,057 |
20s | $2,444 |
30s | $2,158 |
40s | $1,904 |
50s | $1,521 |
60s | $1,566 |
70s | $1,508 |
Average Rates In Irving – By Vehicle
The type of car you own plays a big role in determining your insurance premium. Insurers take into account the make, model, year, and body style, with newer luxury vehicles, particularly those with advanced features, having higher insurance rates.
The following table displays the average rates in Irving for different types of vehicles.
Vehicle | Average Monthly Rate |
Honda Civic | $150.68 |
Toyota Tundra | $211.58 |
Nissan Maxima | $288.73 |
Land Rover Range Rover Evoque | $685.32 |
Honda Cr-V | 4393.29 |
Average Cost Of Auto Insurance In Irving – By Zip Code
The zip code you live in affects your car insurance premiums, as it helps insurers assess the crime rates in your area.
Below, you can find the average insurance rates for different zip codes in Irving.
Zip Code | Average Monthly Rate |
75038 | $190 |
75062 | $157 |
75060 | $158 |
75061 | $160 |
75039 | $182 |
How Much Is Car Insurance In Other Cities in Texas?
Car insurance premiums are often higher in urban areas due to factors like increased accidents, theft, and vandalism rates, making your city a key consideration for insurers.
As an example, Baytown drivers can expect to pay roughly $215 each month for car insurance, while in Sherman, the average monthly premium is $162.
City | Average Monthly Rate |
El Paso | $170 |
Fort Worth | $180 |
Baytown | $215 |
Midland | $163 |
Sherman | $162 |
Beaumont | $191 |
Arlington | $183 |
Laredo | $185 |
Irving | $196 |
Lubbock | $199 |
Find affordable Irving rates
Our Methodology
I’ve conducted an in-depth review of car insurance providers in Irving, TX, incorporating customer service, pricing, product options, and insights from online reviews to provide a comprehensive analysis.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Irving?
For those looking for the lowest rates on minimum coverage, Texas Farm Bureau offers the best option in Irving, while State Farm offers the most affordable full coverage, including both comprehensive and collision insurance.
What is the average cost of car insurance in Irving?
Car insurance in Irving generally costs around $170 per month, but your premium will depend on factors such as your driving history, zip code, and the year and model of your car.
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