Cheapest Car Insurance Quotes In Irving, TX For 2024

In Irving, State Farm provides the lowest cost option, with an average monthly rate of $20.

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Updated: 03 May 2024
Written by Bob Phillips
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When looking for the cheapest car insurance in Irving, Texas, choices can vary, but one company, State Farm, stands out for its competitive prices. On average, residents can get car insurance for around $20 per month, which is much lower than the state’s average of $125.

For those wanting the most budget-friendly liability-only coverage, State Farm is the preferred option. Meanwhile, drivers wanting more extensive protection find that State Farm offers the most affordable rates for full coverage policies, priced at $45 a month. State Farm also provides the lowest rates for young drivers, at $145 per month.

Cheapest Car Insurance Companies In Irving, TX

Cheapest Car Insurance, Irving, TX

Our Methodology

After conducting a comprehensive analysis encompassing customer service ratings, product offerings, pricing, and a detailed review of numerous online review platforms and user feedback, I have gained a deep understanding of the car insurance provider landscape in Irving, Texas. This perspective is shaped by over 15 years of active involvement in the industry as a licensed insurance agent. It includes extensive interactions with representatives from different companies and insights acquired through firsthand experiences.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Irving, TX?

State Farm offers the most economical car insurance in Irving, TX, with coverage starting at $135 per month.

Comparatively, as shown in the table below, its rates are notably lower than the average rates in both the State of Texas and the United States overall:

Area Average Monthly Rate
National $143
Texas $125
Irving, TX $135

It’s crucial to note that the average national cost encompasses both high-cost states like New York, New Jersey, and California, as well as low-cost states like Mississippi, Kentucky, and Wyoming. Rates vary by location due to several factors, including vehicle type, coverage amount, zip code, driving history, and other considerations.

Cheapest Car Insurance Rates In Irving For Full Coverage

State Farm provides the most budget-friendly car insurance rates for full coverage in Irving. On average, their quotes stand at $45 per month.

Provider Average Monthly Cost Average Annual Cost
Progressive $109 $1,302
GEICO $65 $778
Mercury $69 $825
Allstate $58 $695
State Farm $45 $538

Full coverage car insurance extends beyond the basic coverage required by law and usually includes comprehensive and collision coverages.

Comprehensive coverage shields against non-collision incidents like theft, vandalism, or natural disasters, while collision coverage safeguards against vehicle damages resulting from accidents, irrespective of fault.

Cheapest Car Insurance Rates In Irving For Teenagers

Young drivers in Irving can obtain the most economical insurance quotes from Nationwide, with average monthly premiums of $107.

Provider Average Monthly Cost Average Annual Cost
State Farm $129 $1,542
GEICO $163 $1,958
Nationwide $107 $1,291
Progressive $278 $3,340
Allstate $453 $5,438

Teenage drivers typically face the highest car insurance premiums, largely due to their limited experience on the road. Insurance companies consider these young drivers a high-risk group because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.

Cheapest Car Insurance Rates In Irving For Young Adults

In Irving, State Farm offers the most cost-effective quotes for young adults, with rates averaging approximately $145 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $145 $1,740
Nationwide $175 $2,100
Mercury $210 $2,520
Allstate $264 $3,119
Travelers $278 $3,214

In Texas, young adult drivers typically experience lower car insurance rates compared to teenagers. This variation in pricing is linked to the establishment of driving habits and a corresponding decline in risk-taking behaviors as drivers mature.

Statistically, young adults are less inclined to file claims with insurance companies, indicating a decrease in accident involvement. As a result, insurers lower premiums, recognizing the improved safety records and reduced likelihood of claims from these more seasoned drivers.

Cheapest Car Insurance Rates In Irving For Minimum Coverage

In Irving, State Farm provides the most budget-friendly car insurance rates for minimum coverage, averaging around $20 per month.

Provider Average Monthly Cost Average Annual Cost
GEICO $33 $417
Progressive $40 $487
State Farm $20 $252
Allstate $22 $258
Texas Farm Bureau $23 $276

In Texas, a minimum car insurance policy should include at least the following:

  • $25,000 property damage liability per accident
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident

While having minimum car insurance offers some protection while driving, it doesn’t include collision or comprehensive insurance. Consequently, damages to your own vehicle in accidents or incidents like theft and natural disasters won’t be covered.

Moreover, driving without insurance is illegal in Texas. Failing to show proof of insurance during a traffic stop can lead to various penalties, including fines, license suspension, or more severe consequences.

Cheapest Car Insurance Rates In Irving For Seniors

Texas Farm Bureau provides the most economical car insurance rates for seniors in Irving, with average quotes totaling $38 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $38 $456
GEICO $62 $744
State Farm $47 $564
Mercury $70 $840
Allstate $55 $660

In Texas, numerous seniors may find favorable car insurance rates influenced by various beneficial factors. Although age often affects insurance rate determinations, with older age sometimes linked to decreased driving ability, this stereotype doesn’t apply to all seniors uniformly.

Cheapest Car Insurance Rates In Irving For Good Drivers

In Irving, good drivers can obtain the most economical car insurance quotes from State Farm, averaging approximately $20 a month.

Provider Average Monthly Cost Average Annual Cost
GEICO $33 $417
Progressive $40 $487
State Farm $20 $252
Allstate $22 $258
Texas Farm Bureau $23 $276

Drivers with clean driving records in Irving typically receive lower car insurance rates because they are deemed lower risk. Insurance companies analyze driving records to evaluate a person’s driving safety. Fewer incidents, such as accidents or traffic violations, suggest that the driver is careful and less likely to file a claim.

Insurers determine their rates based on the probability of a driver making a claim. Thus, a pristine driving record can lead to substantial savings on premiums. It’s all about assessing risk – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Irving For Drivers With Prior Incidents

In Irving, drivers with records of traffic violations, including accidents, speeding, or DUIs, often face difficulties in obtaining affordable car insurance. These driving infractions lead insurance companies to categorize them as high-risk drivers, anticipating a greater likelihood of filing future insurance claims.

Consequently, insurance providers raise their rates for these individuals to compensate for the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Irving For Drivers With A Speeding Ticket

State Farm provides highly competitive rates compared to other companies, averaging around $47 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $47 $590
Mercury $100 $1,208
Geico $79 $964
Allstate $64 $776
Progressive $140 $1,703

Cheapest Car Insurance Rates In Irving For Drivers With An At-Fault Accident

State Farm offers the most budget-friendly car insurance quotes for drivers with an at-fault incident, averaging approximately $59 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $59 $731
Chubb $160 $1,954
GEICO $93 $1,135
Progressive $175 $2,126
Allstate $100 $1,209

Cheapest Car Insurance Rates In Irving For Drivers After A DUI

For drivers with a DUI in Irving, State Farm offers the most budget-friendly rates, with average monthly premiums of $87.

Provider Average Monthly Cost Average Annual Cost
State Farm $87 $1,070
Chubb $213 $2,561
Progressive $128 $1,565
Geico $113 $1,372
Allstate $104 $1,275

Best Car Insurance Companies In Irving

When choosing a car insurance company in Irving, drivers need to strike a balance between affordable rates and dependable protection on the road. Here are the top 10 car insurance companies in Irving, TX, ranked by the average monthly rate they offer:

Company Monthly Premium
Texas Farm Bureau $78
Clearcover $150
USAA $117
Direct Auto $85
Mercury $115
Kemper $147
SafeAuto $127
State Farm $97
Mercury $147
Nationwide $140

Average Car Insurance Rates By Age In Irving

Age Average Yearly Rate
Teenagers $3,548
20s $1,992
30s $1,236
40s $1,176
50s $1,080
60s $960
70s $1,212

Age plays a significant role in determining car insurance rates. Typically, younger drivers, including teenagers and young adults, face higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. However, as drivers reach the age of 25, their rates usually start to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age as a factor to gauge driving experience and risk potential, which influences the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Irving

Vehicle Average Monthly Rate
Jeep Grand Cherokee $128
Toyota Tacoma $458
Mercedes-Benz CLA $210
Hyundai Sonata $227
Infiniti Q50 $55

The type of vehicle you drive significantly affects your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Generally, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

On the other hand, older cars or those that are less expensive to repair or replace may attract lower premiums. Insurers take these factors into account because they directly impact the potential cost of claims. For instance, repairs for a high-end car are typically more expensive than for a standard vehicle. Moreover, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Texas?

City Average Monthly Rate
Midland $118
Sherman $108
Beaumont $127
Arlington $130
Laredo $150
Abilene $105
Fort Worth $123
Baytown $140
El Paso $122
Alpine $118

The city where you reside has a significant impact on your car insurance rates. Insurance companies take into account various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates. These risks tend to be higher in urban areas, which can result in increased premiums.

FAQs

Who has the lowest car insurance rates in Irving?

State Farm offers the lowest car insurance rates in Irving for both the minimum coverage required by the State of Texas and full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Irving?

The average cost of car insurance in Irving is around $123 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant considerations.

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