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.

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Updated: 24 January 2025
Written by Bob Phillips
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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

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Cheapest Minimum Coverage - Texas Farm Bureau
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Cheapest For Young Drivers - Texas Farm Bureau
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Cheapest For Seniors - State Farm
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Cheapest For Good Drivers - Texas Farm Bureau
Cheapest Car Insurance, 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

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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

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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.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

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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