Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 20, 2020

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Irving City SummaryStats
Population238,284
Density3,514 per square mile
Average Cost of Car Insurance$6,330.67
Cheapest Car Insurance CompanyUSAA and State Farm
Road ConditionsPoor Share: 21%
Mediocre Share: 31%
Fair Share: 20%
Good Share: 28%
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Less than 10 miles from Dallas and neighboring Fort Worth, Irving, Texas, offers plenty to see and do. Visitors can arrive in the area from six major highways or take rail service to Dallas/Fort Worth International Airport, downtown Dallas, or downtown Fort Worth.

If you decide to take the road there, you’ll need adequate car insurance coverage. And with the many options available, it can be hard to find the right insurance for your needs.

This complete guide to auto insurance in Irving is here to help you. We’ll explore the average cost of car insurance premiums, what goes into setting rates, and pretty much everything else you should know about coverage there.

If you’re ready, let’s get started. But, first, to start comparing rates, enter your zip code for a FREE quote.

Table of Contents

The Cost of Car Insurance in Irving

You may wonder if you can save on the car insurance you need. With the average annual cost of a full coverage premium of $6,330.67 in Irving, car insurance can be expensive. You want to ensure that you get the best coverage at the best price.

In this section, you’ll learn more about everything that goes into setting car insurance rates, including factors such as your age, your marital status, and your gender. Put it all together, and you’ll be armed with the knowledge you need to save on car insurance.

By the time you’re done with this entire guide, you should have a good handle on your car insurance options in Irving and on city life there.

Male vs. Female vs. Age

According to Data USA, the median age in Irving is 32, which means many drivers there have years of experience behind them and are getting some of the lowest rates.

Let’s see how rates in Irving change by age:

35601725Cheapest RateCheapest Age
$2,838.14$2,654.28$8,456.51$3,543.71$2,654.2860
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On average, insurers charge the least experienced drivers, 17-year-olds, the highest rates. As minors, however, they can apply for insurance under their parents’ policies to pay less.

The oldest and generally most experienced drivers, 60-year-olds, pay the lowest prices for their annual premiums.

Here’s how prices vary between the sexes:

MaleFemaleCheaper
$4,373.16$4,125.90Female
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Women are considered less risky to insure, and therefore, oftentimes pay less for car insurance than men. In this case, there’s a fairly low-cost difference of roughly $250. Like it or not, this form of gender bias is legal in the Lone Star State.

Now, let’s see how age, gender, and marital status compare in car insurance pricing:

DemographicRate (Cheapest)
Average$4,373.16
Married 35-year old female$2,793.36
Married 35-year old male$2,882.93
Married 60-year old female$2,579.74
Married 60-year old male$2,728.81
Single 17-year old female$7,694.68
Single 17-year old male$9,218.34
Single 25-year old female$3,435.82
Single 25-year old male$3,651.59
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Single, 25-year-old males pay the closest to the average cost of annual premiums, which is still $1,100 more than a 35-year-old pays, yet it’s $4,000 less than a 17-year-old is charged.

Cheapest Zip Codes in Irving

Even your zip code can affect your rates. Insurers tend to evaluate a location based on crime rates, weather conditions, and the number of fraud claims filed in an area.

As you can see, the average costs of car insurance premiums in Irving rise and fall with your zip code. How does your neighborhood rank?

Zip CodeRate
75039$6,182.00
75063$6,247.34
75061$6,307.57
75062$6,330.67
75038$6,517.48
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Overall, drivers who live in zip code 75039 may receive lower rates than those in the similar but pricier zip code of 75038.

What’s the best car insurance company in Irving?

When it comes to shopping for insurance, the level of customer service a company offers, together with discounts and coverage options, can influence which company you choose to sign with.

Let’s look more closely at more factors that can affect your rates and help you find the best car insurance company for your needs.

Cheapest Car Insurance Rates by Company

Some of us shop by price. So, if your primary concern is to save money, below, you’ll find average rates for the top car insurers in Irving.

Cheapest Rates by CompanyAverage Annual Rate
USAA$2,721.89
State Farm$3,272.27
Geico$3,561.33
Nationwide$3,966.20
Progressive$4,614.58
Allstate$5,770.16
American Family$6,705.69
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As you can see, there’s quite a range in prices — a $4,000 spread. State Farm and USAA, a niche insurer for members of the military, offer the cheapest rates.

Best Car Insurance for Commute Rates

How far you drive regularly also factors into your car insurance costs. Texans, possibly in part because of the size of the territory, drive 15,533 miles annually on average, which is more than residents in other states. How much do you drive?

Carrier10 Mile Commute (6000 Miles Annually)25 Mile Commute (12000 Miles Annually)
USAA$2,687.44$2,756.35
State Farm$3,272.27$3,272.27
Geico$3,496.34$3,626.32
Nationwide$3,966.20$3,966.20
Progressive$4,614.37$4,614.37
Allstate$5,625.40$5,914.92
American Family$6,705.69$6,705.69
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A number of companies listed above don’t change their rates for 10- to 25-mile commutes. Among those who do, USAA and Geico had the lowest price differences between the two mileages.

Best Car Insurance for Coverage Level Rates

The amount of car insurance you buy also influences how much you pay. You can simply buy the state-required minimum insurance, but it might not cover all the costs for bodily injury or property damage.

There’s also collision, which will cover you if you hit something. Comprehensive covers “Acts of God,” such as fire, vandalism, hailstorms, and other incidents you can’t control. Full coverage combines all three types of coverage into one.

Here’s how the prices vary for different coverage levels among the top insurers in Irving.

Rates by Coverage LevelLow CoverageMedium CoverageHigh Coverage
USAA$2,615.66$2,709.71$2,840.31
State Farm$3,089.83$3,262.89$3,464.08
Geico$3,375.81$3,520.78$3,787.39
Nationwide$4,273.70$3,798.56$3,826.35
Progressive$4,421.91$4,595.52$4,827.29
Allstate$5,632.18$5,718.36$5,959.93
American Family$6,295.09$6,483.72$7,338.25
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From the lowest to the highest coverage levels, USAA and Allstate are cheaper alternatives, which means the best coverage can be affordable for some drivers.

Best Car Insurance for Credit History Rates

Your credit score also influences car insurance rates. Typically, drivers with poor credit pay more than those with good credit. Let’s see how credit history affects rates for drivers in Irving.

Company Rates by Credit HistoryPoorFairGood
USAA$3,977.61$2,318.07$1,870.00
State Farm$4,623.69$2,887.35$2,305.77
Geico$5,507.17$3,109.41$2,067.41
Nationwide$4,755.46$3,822.84$3,320.31
Progressive$5,225.39$4,479.80$4,138.53
Allstate$7,324.71$5,376.49$4,609.27
American Family$9,337.33$5,774.00$5,005.74
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Rates for poor to good credit range from as little as $1,100 with Progressive and as much as nearly $4,000 with American Family.

Best Car Insurance for Driving Record Rates

Your driving record, whether it’s clean or full of violations, will also affect your rates. Below are the major and minor driving infractions insurers look at when they factor your rates in Irving.

Rates by Driving RecordClean Record1 Accident1 DUI1 Speeding Incident
USAA$2,019.21$3,004.62$3,544/58$2,319.17
State Farm$2,893.93$3,337.02$3,964.20$2,893.93
Geico$3,019.15$4,008.22$3,329.09$3,888.85
Nationwide$3,438.13$3,438.13$5,103.17$3,885.38
Progressive$4,027.54$5,168.16$4,712.66$4,549.93
Allstate$4,443.71$6,943.65$7,249.56$4,443.71
American Family$6,120.34$7,776.13$6,805.94$6,120.34
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Among the top insurers, Nationwide is the only one that doesn’t increase rates for drivers who have been in an accident, which is known as accident forgiveness.

Car Insurance Factors in Irving

But that’s not all. Yes, even more ingredients combine in the overall car insurance rate mix.

In this section, we’ll explore how the local economy sets the stage for car insurance rates, influencing everything from your occupation to homeownership and your education level.

Metro Report – Growth & Prosperity

The Brookings Institution’s Metro Monitor shows that the Dallas-Fort Worth-Arlington area ranks 27th out of 100 cities nationwide for economic growth and 86th out of 100 for prosperity. The economy there is strong, but on average, productivity, wages, and the standard of living rank below the national average, which means that prosperity there is stagnant.

Let’s look more closely at the statistics:

Prosperity

Prosperity captures changes in the average wealth and income an economy produces. When worker productivity contributes to a metropolitan area’s growth, through innovation or training, for example, the value of those workers’ labor rises.

This is how the area grew from 2007 to 2017:

  • Productivity: -0.7 percent (87th out of 100)
  • Standard of living: -0.2 percent (87th out of 100)
  • Average annual wage: +0.8 percent (59th out of 100)

Unfortunately, productivity and the standard of living showed losses over the decade. The average annual wage, however, increased, which is a sign of hope.

Growth

Growth indicators measure the change in the size of an urban area’s economy and its level of entrepreneurial activity. Growth and entrepreneurship create new opportunities for individuals and can help a metro economy become more efficient.

These figures measure growth in the gross metropolitan product, the number of jobs, and the number of positions at young firms.

Here’s how the Dallas-Fort Worth-Arlington area grew from 2007 to 2017:

  • Jobs: +2.6 percent (17th out of 100)
  • Gross metropolitan product (GMP): +1.9 percent (62nd out of 100)
  • Jobs at young firms: +4.6 percent (36th out of 100)

Despite dismal prosperity figures, job growth in the Dallas-Fort Worth-Arlington area was among the highest in the nation.

Now, let’s see how the economy drives Irving residents’ incomes, occupations, and levels of homeownership.

Median Household Income

Data USA reports that in 2017, Irving households have a median annual income of $58,196, which was less than the U.S. average annual income of $60,336. Irving residents’ median income increased 6 percent from $54,868 in 2016.

Based on the 2017 annual income in Irving, and an average annual car insurance premium cost of $6,330.67, drivers there spent 11 percent of their incomes on car insurance.

How much of your income goes to car insurance? Find out below with our free calculator below.

CalculatorPro

Homeownership in Irving

Homeownership shows that a driver may be more reliable and able to pay car insurance premiums. If you own a home, you could pay less for car insurance than if you rent. To save more, homeowners can also bundle their car and home insurance.

Data USA numbers reveal that in 2017, the owner-occupancy rate in Irving was 38 percent, up from 37 percent the prior year. Still, these figures were well below the national average of 64 percent.

Median property values in Irving grew to $155,200 in 2017, a solid increase from $147,500 in 2016.

Education in Irving

Data USA stats show that in 2016, universities in Irving awarded 3,843 degrees. The largest universities in Irving, by number of degrees granted, are North Lake College (1,397 and 36.4 percent), University of Dallas (881 and 22.9 percent), and DeVry University-Texas (695 and 18.1 percent).

The most popular majors in Irving are General Studies (891 and 23.2 percent), General Business Administration & Management (691 and 18 percent), and Automobile Mechanics Technology (459 and 11.9 percent).

Community colleges, which offer several degrees and certificates in a broad range of fields, are also a lower-cost alternative to traditional schools.

North Lake College serves Irving and northern Dallas County and offers several certificates and degree programs in Management, Business Administration, and other popular fields in Irving.

Wage by Race & Ethnicity in Common Jobs

In 2017, the highest paid race/ethnicity of Texas workers was Asian. Data USA reports that they earned 1.25 times more than White workers.

The table below highlights the top three highest-paid races/ethnicities in Irving and how much of their incomes go to car insurance based on the cost of an average annual premium there.

ANNUAL CAR INSURANCE PREMIUMANNUAL INCOME% OF INCOMERACE/ETHNICITY
$6,330.67$64,9479.75%Asian
$6,330.67$52,07212.16%White
$6,330.67$45,53813.90%American Indian
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As shown, the amount of a worker’s income that pays for car insurance decreases when their wages increase. Keep in mind that the cost of the premium listed is an average and might not reflect your actual experience.

Wage by Gender in Common Jobs

Women continue to fight for equal pay, and despite efforts to improve the situation, in Irving, they continue to earn less than their male counterparts.

According to Data USA, the average male salary in Irving is $64,953 yearly, while females there earn $45,959 annually. Male workers there earn 1.41 times more than females.

By contrast, male workers in Irving pay 10 percent of their salaries toward car insurance; females spend 14 percent of their incomes on car insurance.

On the plus side for women, insurers tend to charge them less for their premiums because historically, they have gotten into fewer accidents.

Poverty by Age & Gender

Data USA figures show that 14 percent of Irving residents live below the poverty line, which is higher than the national average of 13 percent. The largest demographic living in poverty are females age 25-34, followed by females age 35-44, and then males from six to 11.

The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family’s total income falls below the family threshold, the Census Bureau classifies that family and every family member as living in poverty.

Poverty by Race & Ethnicity

The most common racial or ethnic group that Data USA has determined is living below the poverty line in Irving is White, followed by Hispanic and Black.

Employment by Occupations

Data USA has found that from 2016 to 2017, employment in Irving grew at a rate of about 3 percent.

The most common job groups, by number of people living in Irving, are Office & Administrative Support Occupations (17,024 people), Sales & Related Occupations (11,699 people), and Management Occupations (11,336 people).

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Driving in Irving

While you take the road in Irving, you may literally face some bumps along the way.

It helps to know what may lie up the road ahead. That’s why, in this section, we’ll explore Irving’s major highways, toll roads, pavement conditions, popular road trips, and traffic laws.

So, to become a true “road scholar,” read on.

Roads in Irving

In our first adventure on our journey through Irving roads, we’ll travel along its major highways and include some facts to keep in mind.

Major Highways in Irving

Irving, TX Highways

The state of Texas has 25 different active highways that span over 3,500 miles. This map shows the ones that run in and around Irving.

These are the major highways in Irving:

  • I-635 (LBJ Freeway) travels east/west along Irving’s northern border, providing access to Dallas to the east and Dallas-Fort Worth (DFW) Airport to the west.
  • SH-114 (John W. Carpenter Freeway) travels east/west through north Irving, providing easy access to both I-35E (Stemmons Freeway) and also to northwest Fort Worth.
  • SH-183 (Airport Freeway) travels east/west through central Irving, providing access east to I-35E to Dallas and the mid-cities and north Fort Worth to the west.
  • Loop 12 (Walton Walker Boulevard) travels north/south on Irving’s eastern border, merging with northbound I-35E just past Irving’s northern border.
  • SH-360 travels north/south through eastern Arlington, just west of Irving. It is easily accessible from SH-183 and travels south to I-30 (Tom Landry Freeway)and I-20 (Ronald Reagan Memorial Highway).
  • SH-161 (President George Bush Turnpike) provides quick access from SH-183 north to SH-114 and I-635 and south to Arlington on I-30.

Along the President George Bush Turnpike, you may face some toll charges that vary by the type of vehicle you’re driving.

If you’re a frequent traveler, you may want to consider getting the North Texas Tollway Authority’s TollTag. The TollTag toll rate is an average of 19 cents per mile, effective July 1, 2019. The ZipCash, pay-by-mail rate is 50 percent more than the TollTag rate.

This TollTag pays for tolls electronically from a prepaid account through a convenient transponder sticker mounted on your vehicle’s windshield. Each time you pass through a toll lane, the toll is deducted directly from your prepaid account (paid with cash or a credit or debit card).

When the account reaches $10, you’ll receive a notice (cash-backed accounts), or $40 will be deducted from your credit or debit card account. Customers can monitor their account usage and add funds at any time via the Tollmate mobile app or through the online account management site.

Popular Road Trips/Sites

Irving has its share of fun things for everyone to do to relax.

One of the most notable attractions in town is the Mandalay Canal Walk at Las Colinas. Inspired by the canals of Venice, the tree-lined walkway leads to restaurants, shops, and more. If you want to take a water cruise, you can even rent your own gondola to sail through the Mandalay Canals.

Another venue in the Las Colinas community is the Toyota Music Factory, where you’ll find music, movies, food, special events, and more.

The Irving Heritage District makes historic Main Street a distinction, with museums honoring the city’s past and important landmarks. Founded in the early 1900s, it’s still going strong more than 100 years later.

Need more ideas? Watch the video below to discover the top 15 things to do in Irving, Texas:

Road Conditions in Irving

Below are pavement conditions and vehicle operating costs in Irving from TRIP, a national transportation research group:

Poor
Share
Mediocre
Share
Fair
Share
Good
Share
Vehicle Operating
Costs (VOC)
21%31%20%28%$609
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Most roads there are in mediocre and good condition, which means you may run into some uneven conditions in your journeys. Vehicle Operating Costs (VOC) can include repairs from driving over potholes or road debris along the highway.

Does Irving use speeding or red-light cameras?

The City of Irving doesn’t currently use red-light or speeding cameras.

Irving’s Red Light Camera Safety Program ended with a bill Governor Greg Abbott signed in June 2019.

That doesn’t mean, of course, that you won’t be caught or penalized for these driving infractions, which can increase your car insurance rates. The best way to avoid a citation is not to risk one in the first place.

Vehicles in Irving

Below, we’ll cover the most popular vehicles owned in the area, car ownership, and crime rates (including vehicle thefts).

Most Popular Vehicles Owned

YourMechanic tracks the types of cars it services nationwide and breaks down the information by each major city to show Americans’ car preferences.

According to their survey, 47 percent of the cars they repair in Dallas-Fort Worth are American-made. Pickup trucks are among the most popular vehicles in Texas, but YourMechanic has found that drivers’ favorite car in Dallas-Fort Worth is actually the Dodge Charger.

The U.S. News and World Report considers the 2019 sedan “a good large car. Performance enthusiasts will appreciate its robust engine options and relatively agile handling for a car of its size. This Dodge sedan is spacious in both rows, and its infotainment system is easy to operate.”

They gave the car an overall rating of 7.3 (out of 10), with an 8.4 for safety, and a 7.5 for performance, and ranked it #7 on their list of Large Cars.

This CarGurus video gives a good spin on the vehicle:

How Many Cars Per Household

Data USA notes that most households in Irving — about 43 percent — own two cars, followed by one car. This is slightly higher than the national average of 41 percent of Americans who own two cars.

Households Without a Car

The table below reveals how many Irving households on average own and don’t own cars.

2015 Households
Without Vehicles
2016 Households
Without Vehicles
2015 Vehicles
Per Household
2016 Vehicles
Per Household
4.50%4.90%1.721.75
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As shown above, from 2015 to 2016, the number of households that didn’t own cars increased by more than a third of a percentage point.

Speed Traps in Irving

Speedtrap.org keeps track of speed traps all across the U.S., as ranked by its users. Among the Irving roads visitors have debated are truly speed traps, Airport Freeway, a service road between Story and MacArthur and Eastbound Highway 114, from the DFW Airport to Ester Boulevard, received the most votes.

Vehicle Theft in Irving

The Federal Bureau of Investigation (FBI) reports that in 2017, 711 vehicle thefts occurred in Irving.

Neighborhood Scout also tracks crime statistics for U.S. cities. Rochelle Boulevard / Hidalgo Street topped the list for safest neighborhood. Irving’s most dangerous neighborhood is Pioneer St.

The site gives the city a Crime Index of 18, which means it’s 18 percent safer than other U.S. cities. For a closer look at the crimes that occur there, below is a chart showing figures from 2017:

 Irving CrimesVIOLENTPROPERTYTOTAL
Number of Crimes55764537010
Crime Rate
(per 1,000 residents)
2.3226.8529.16
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Most of the crime that occurred in Irving was property theft, which includes vehicles. The property theft rate per 1,000 people was 27.

Overall, your chances of becoming a victim of violent crime in Irving are one in 432. Statewide, your odds decrease to one in 228.

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Traffic in Irving

Car insurance companies also look at traffic patterns in an area to see how congested they are — the more cars on the road, the more likely that accidents will happen.

Here we’ll cover traffic congestion in Irving, the busiest highways, and the safety of its streets and roads.

Traffic Congestion

According to Inrix, in 2018, the nearest major city to Irving, Dallas, ranked 122nd worldwide for its levels of traffic congestion. It ranked 21st in the U.S. Dallas drivers lost 76 hours in traffic jams that year, which cost each driver $1,065 in related expenses (gasoline, car repairs, etc.).

During peak traffic in the morning and evening, drivers’ average speed was 33 miles per hour. Outside of “rush hour” commute times, the speed increased to 50 mph, and in free-flowing traffic, it rose to 55 mph.

So, if you commute to Dallas, you’ll want to be aware of delays that can affect your ability to arrive on time.

Transportation

Data USA’s statistics reveal that most commuters in Irving drove alone — 79 percent — followed by those who carpooled, at 12 percent. Not surprisingly, perhaps given Texans’ independent spirits, the single-car occupant commute rate was a few percentage points higher than the national average.

Busiest Highways

The busiest highways in Irving are the Airport Freeway, SH 183, in the city center, LBJ Freeway or I-635 to the north, John Carpenter Freeway, SH 114, and the President George Bush Turnpike running northwest-to-southeast and southwest-to-northeast, respectively.

This BigRigTravels video shows what it’s like to drive on the Airport Freeway in real-time:

How safe are Irving streets and roads?

In this section, you’ll find out how many fatal accidents happened on Dallas County roads in 2017, courtesy of the National Highway Traffic Safety Administration (NHTSA). We’ll cover everything from the total fatalities by county to vehicle and railroad accidents.

These were the number of fatal car accidents that occurred in 2017 alone:

Texas Traffic Safety Stats 2017Amount
Fatalities (All Crashes)3,722
Fatalities (Drunk Driving Cases)1,468
Fatalities (Single Vehicle Crashes)1,914
Fatalities (Speeding Crashes)1,029
Pedestrian Fatalities607
Motorcycle Fatalities490
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More than 50 percent of the crashes involved single vehicles.

Going further, these figures show the fatalities by state road type in Texas.

INTERSTATE (RURAL)INTERSTATE (URBAN)FREEWAY AND EXPRESSWAYOTHER PRINCIPAL ARTERIALMINOR ARTERIALCOLLECTOR ARTERIALLOCALUNKNOWNTOTAL FATAL CRASHES
176402260982652600261103,343
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Most of the crashes occurred on arterial roads. An arterial road is a high-capacity urban road. Depending on the amount of traffic, the arterial road may be classified as a highway or a minor arterial road. A collector road gathers traffic from local roads and takes drivers to arterial roads.

Per the U.S. Department of Transportation (DOT), these are statistics on the railroad and highway crash incidents in Dallas County from 2012 to 2016:

Calendar YearCountyHighwayHighway User TypeRail Equipment TypenonsuicidefatalitynonsuicideinjuryCity
2013DALLASCEDAR SPRINGSAutomobileFreight Train00DALLAS
2013DALLASIRBY LANEAutomobileC10IRVING
2013DALLASI-35 FRNTG RDPick-up truckFreight Train00CARROLLTON
2013DALLASTRINITY MILLS RDAutomobileMaint/Insp Car00
2013DALLASCOMMUNITY DRIVEAutomobilePsgr Train01DALLAS
2013DALLASJupiter RoadTruck-trailerFreight Train00DALLAS
2013DALLASSE 14THAutomobileFreight Train00GRAND PRAIRIE
2014DALLASW KINGSLEY ROADAutomobileFreight Train00GARLAND
2014DALLAS5TH STREETAutomobileFreight Train00SACHSE
2014DALLASCEDAR SPRINGS ROADAutomobileFreight Train00DALLAS
2014DALLASCOAutomobileFreight Train10N/A
2014DALLASWESTMORELAND ROADPick-up truckFreight Train00DALLAS
2014DALLASCENTERVILLE ROADAutomobileFreight Train00DALLAS
2014DALLASBRITAIN ROADAutomobileFreight Train00IRVING
2014DALLASLAREUNION PARKWAYAutomobileLight Loco(s)00DALLAS
2014DALLASWESTMORELAND ROADPick-up truckFreight Train01DALLAS
2014DALLASI35 FRNTG RDTruck-trailerFreight Train00CARROLLTON
2014DALLASBROADWAY ST.AutomobileFreight Train00CARROLLTON
2014DALLASSW 19TH STREETPedestrianFreight Train01GRAND PRAIRIE
2015DALLASI-35 FRNTG ROADTruck-trailerFreight Train01CARROLLTON
2015DALLASSHILOH ROADAutomobileFreight Train00GARLAND
2015DALLASIRBY LANEPick-up truckC00IRVING
2015DALLASNURSERY ROADPedestrianC10IRVING
2015DALLASIH 0635 WE FRNGAutomobileFreight Train01FARMERS BRANCH
2015DALLASI-35 FRNTG RDAutomobileFreight Train01CARROLLTON
2015DALLASNORTHSIDE DRPick-up truckFreight Train00CARROLLTON
2015DALLASN BRITAIN RDAutomobileFreight Train00IRVING
2015DALLASI - 35 FRNTG RDAutomobileFreight Train00CARROLLTON
2015DALLASCEDAR SPRINGSAutomobileFreight Train00DALLAS
2015DALLASCEDAR SPRINGS RDAutomobileFreight Train00DALLAS
2015DALLASSHILOH ROADTruck-trailerSpecial MOW Eq00GARLAND
2015DALLASPRIVATEAutomobileFreight Train00DALLAS
2015DALLASNURSERY ROADAutomobileCommuter00IRVING
2015DALLASNB-SH 161 FTG RDTruck-trailerFreight Train02GRAND PRAIRIE
2015DALLASI-35 FRNTG RDAutomobileFreight Train00CARROLLTON
2015DALLAS5TH STREETAutomobileFreight Train01SACHSE
2015DALLASLAMAR STAutomobileFreight Train00DALLAS
2015DALLASEBRITE STREETAutomobileSpecial MOW Eq01MESQUITE
2015DALLASMEDICAL MARKET ROADPedestrianCommuter10DALLAS
2015DALLASNORWOOD ROADAutomobileCommuter00DALLAS
2016DALLAS*PRIVATETruck-trailerPsgr Train14
2016DALLASGILBERT ROADPedestrianC00IRVING
2016DALLASWEST WESTMORELAND RDPick-up truckFreight Train00DALLAS
2016DALLASSUNDAY ST.AutomobilePsgr Train00DALLAS
2016DALLASADAMS STTruck-trailerFreight Train00WILMER
2016DALLASSH 161 NORTH ACCESSAutomobileFreight Train01GRAND PRAIRIE
2016DALLASPRIVATE MESQUITE YARTruck-trailerFreight Train00MESQUITE
2016DALLASJIM MILLER RDAutomobileFreight Train00DALLAS
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In those five years, seven motor vehicle/train incidents in Irving were reported, which averages to a little more than one per year.

These facts highlight the importance of driving safely, and how risky behavior can eventually lead to penalties that increase insurance, or even worse, death.

Allstate America’s Best Drivers Report

Allstate America’s Best Drivers Report tracks the numbers of accident claims drivers make nationwide. According to Allstate claims data, the average driver in the U.S will experience a collision once every 10.57 years.

In 2019, Irving ranked 180th out of 200 major cities on the report, up from 175th the prior year. The chart below shows residents’ insurance claim statistics.

Average Years Between Collisions2018 Best Drivers Report RankingChange in
Ranking From
2018 to 2019
Relative Claim
Likelihood
(Compared to
National
Average)
Drivewise® HardBraking Events
per 1,000 Miles
7.01175-50.508N/A
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Drivers in Irving went an average of seven years between accident claims, and they were 51 percent more likely to file a claim compared to the national average. Compared to other cities nationwide, Irving drivers file more claims more often, and that shows in the city’s low ranking on the report.

Ridesharing

Below are the ridesharing services available in Irving beyond regular taxi rides.

  • Blacklane – Blacklane luxury vehicles seat one to five people.
  • Lyft – This lowest cost Lyft service will grant you a request for a regular four-seat car.
  • Lyft Lux – A premium black car service limited to only the most luxurious makes and models.
  • Lyft Plus – This is the best Lyft option for larger groups. A Lyft Plus car can seat six or more passengers. Fare prices tend to run higher than a regular Lyft ride to compensate van and SUV drivers for their higher vehicle running costs.
  • Lyft Lux SUV – A premium black SUV service with space for up to six passengers.
  • Lyft Premier – Lyft’s luxury service. A request for a Lyft Premier will grant you a high-end four-seat car.
  • Lyft XL – This is the best Lyft option for larger groups. A Lyft Plus car can seat six or more passengers. Fare prices tend to run higher than a regular Lyft ride to compensate van and SUV drivers for their higher vehicle running costs.
  • Uber Black – Uber’s original luxury service. When you select an Uber Black car, a high-end sedan with seating for up to four people will arrive to pick you up.
  • Uber Select – This service is similar to Uber Black, but the car with four leather seats doesn’t have to be black. It’s a step above UberX, and costs slightly less than Uber Black.
  • Uber SUV – This is Uber’s luxury option for larger groups. When you choose an Uber SUV, a high-end SUV with seating for up to six people will arrive to pick you up.
  • Uber X – This budget service gives riders a regular-size car that seats four.
  • Uber XL – Uber’s service for larger groups will seat up to six passengers.

E-star Repair Shops

A program from Esurance, E-star helps drivers find the best repair shops in their areas. According to E-star, these are the top 10 repair shops in and around Irving:

SERVICE KING IRVING
3910 W. Airport Freeway
Irving, TX 75062
email: ccc@serviceking.com
P: (972) 790-4509
F: (800) 214-2373

SERVICE KING NORTHWEST DALLAS
11565 REEDER RD.
DALLAS, TX 75229
email: ccc@serviceking.com
P: (972) 247-1212
F: (800) 214-2373

CALIBER – DALLAS
3201 MANOR WAY
DALLAS, TX 75235
email: Dallas@CaliberCollision.com
P: (214) 352-4041
F: (972) 906-7164

SERVICE KING EULESS
1751 W. AIRPORT FREEWAY
EULESS, TX 76040
email: ccc@serviceking.com
P: (817) 283-0636
F: (800) 214-2373

SERVICE KING GRAPEVINE
2601 WILLIAM D. TATE AVE.
GRAPEVINE, TX 76051
email: ccc@serviceking.com
P: (817) 410-7640
F: (800) 214-2373

CALIBER COLLISION CENTERS TRAINING
2941 LAKE VISTA DRIVE
LEWISVILLE, TX 75067
P: (949) 224-0300

CALIBER – ARLINGTON
926 W Division St.
Arlington, TX 76012
P: (817) 277-5291
F: (972) 906-7164

CALIBER – COLLEYVILLE
5900 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
email: Colleyville@CaliberCollision.com
P: (817) 788-0161
F: (972) 906-7164

SERVICE KING LEWISVILLE
2765 S. STEMMONS Freeway
LEWISVILLE, TX 75067
email: ccc@serviceking.com
P: (972) 315-6505
F: (800) 214-2373

SERVICE KING CARROLLTON
2309 MIDWAY RD.
CARROLLTON, TX 75006
email: ccc@serviceking.com
P: (972) 407-0275
F: (800) 214-2373

Weather in Irving

U.S. Climate Data reveals that Irving’s temperatures are warm throughout the year, with average highs of 76 and lows of 56 degrees. The area gets a fair amount of rain.

Weather in Irving, TXStats (Fahrenheit)
Annual High Temperature76.4
Annual Low Temperature55.7
Average Temperature66.5
Average Annual Rainfall36.19 inches
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City-Data shows that Dallas County averages 19 natural disasters yearly, which is higher than the U.S. average of 13. Every year, an average of 10 natural disasters lead to emergency declarations and nine are presidential declarations.

Below is a breakdown of the causes of the disasters. Note: some incidents may be assigned to more than one category.

  • Storms: 7
  • Hurricane: 6
  • Floods: 5
  • Fires: 4
  • Winds: 2
  • Winter Storm: 1
  • Flash Flood: 1
  • Other: 1

Dallas County experiences several dangerous storms, including hurricanes, annually. These can lead to heavy rains and flooding.

Given the risks involved, it makes sense to buy comprehensive car insurance for protection from floods, storms, and other hazards that can damage your vehicle.

Public Transit in Irving

The Dallas Area Rapid Transit (DART) system offers local and express bus service and the Trinity Railway Express in the Irving and Dallas-Fort Worth areas.

With over 130 routes, DART buses generally run every 30 minutes in peak hours and every 60 minutes at off-peak times. A variety of local and regional passes are available to riders. Irving bus routes connect all parts of Irving and link the city to bus routes into Dallas.

Several Irving bus routes connect to the Orange Line, light rail trains traveling to the DFW Airport and downtown Dallas, and the Trinity Railway Express train service between Dallas and Fort Worth.

DART schedules are available at all Irving libraries, City Hall, area supermarkets, online, or by calling DART customer service at 214-979-1111.

Fares are available at local, regional, and reduced rates. For a local bus rider, a single ride costs $2.50. Day, AM/PM, mid-day, and monthly passes are also available. Fare pricing information is available at the DART website.

Cost of Alternate Transportation in Irving

In partnership with VBikes, the City of Irving offers bike-sharing, which lets riders exercise while they enjoy beautiful views of the city and its parks. Residents who want to rent a bike can download the VBike app and sign up on their mobile devices to pay $1 per hour or $14.95 per month for unlimited rides.

To find out more about this exciting addition to city life, watch the video below:

Parking in Irving

In the Dallas-Fort Worth metro area, many parking lots are monitored through meters you can connect to through mobile device apps.

Several parking lots and garages are available throughout Irving, together with street-level parking.

ChargeHub lists the most popular electric car charging stations within 10 miles of Irving. Some of them are free. Most of them are Level 2; however, some Level 3 charging stations are also available. The main charging networks are Blink and SemaCharge.

Air Quality in Irving

Pollution from vehicle exhaust has been linked to health issues and even climate change. The pollution not only goes directly into the earth’s atmosphere, but it also reacts with other pollutants, which make the situation worse.

Children and people with chronic illnesses can be most sensitive to the effects.

Below are Environmental Protection Agency (EPA) air quality statistics for Dallas County from 2016 to 2018.

Clark County Air Quality Index201620172018
Days With AQI366365365
Good Days264239240
Moderate Days99119106
Days Unhealthy for Sensitive Groups3716
Unhealthy Days--3
Very Unhealthy Days---
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As shown above, in recent years, there have been more good than moderate days; however, in recent years, there have been more days “unhealthy for sensitive groups.”

The Texas Department of Public Safety requires most vehicles in designated counties (including Dallas) to undergo an annual emissions test as part of an inspection. Vehicles two through 24 years old or that have an expired initial inspection sticker must have an emissions test.

Diesel-powered vehicles and motorcycles are exempt but must still have an annual safety inspection.

Military/Veterans

If you’re a veteran or an active member of the military, it’s not always easy to find car insurance discounts. Not every company offers them.

Many car insurance companies, however, honor veterans and active military through offering them discounts. Below, we’ve gathered information about military discounts, together with facts about when local veterans and military served and military bases nearby.

Read on to find out more about Irving’s military and veterans and the offerings available to them.

Veterans by Service Period

Data USA reports that most veterans who live in Irving served in the Vietnam War (1,937), which is 1.47 times more than any other conflict. They were followed by Gulf War veterans from the 1990s and 2001 to the present.

Military Bases Within an Hour

A joint defense facility, Naval Air Station Joint Reserve Base Fort Worth plays a crucial role in the training and equipping of aircrews and aviation ground support personnel.

The base employs more than 11,000 active, reserve, and civilian personnel and contributes $1.3 billion annually to the North Central Texas economy.

Military Discount by Providers

If you are or were in the U.S. military, most car insurance companies will want to give back by serving you. Many of them offer military discounts.

Below is a list of known providers who give military discounts. We excluded those who offer military discounts only to certain states.

Insurance CompanyPercentage Saved with Discount
Farmers5%
Geico15%
Liberty Mutual (must be active duty)4%
MetLife15%
USAA60% off when deployed
15% for garaging on base
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*USAA gives a 15 percent military garage discount for garaging cars on a military base.  

USAA Available in Texas

USAA provides car insurance only to U.S. military personnel and their families. The company’s insurance premiums tend to cost less than those of standard insurers.

Below, you will see how USAA’s and other insurers’ rates compare to the average cost of annual full coverage premiums in Texas.

GROUPANNUAL PREMIUMCOMPARED TO STATE AVERAGE (+/-)COMPARED TO STATE AVERAGE (%)
Allstate$5,485.44$1,442.1635.67%
American Family$4,848.72$805.4419.92%
Geico$3,263.28-$780.00-19.29%
Nationwide$3,867.55-$175.73-4.35%
Progressive$4,664.69$621.4115.37%
State Farm$2,879.94-$1,163.34-28.77%
USAA$2,487.89-$1,555.39-38.47%
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USAA remains the insurer in Texas who offers the lowest rates to active military and veterans, at roughly 40 percent less than the state annual average.

Unique Irving Laws

Laws control many parts of our daily lives. Sometimes, it’s hard to keep track of the many laws on the books. You might even have broken one without even realizing it.

To help you stay a law-abiding citizen, in this section, we’ll cover laws unique to Irving, such as food truck laws and parking regulations.

Read on to learn more about your local laws.

Hands-Free Laws

The City of Irving doesn’t have specific hands-free or cell phone laws, but statewide, texting is banned for all drivers. Texas laws also prohibit drivers younger than 18 from using cellphones.

Drivers generally can use hands-free devices except in school crossing zones and on public school property when the reduced speed limits there apply.

Food Trucks

Irving city codes define a food truck as a “mobile food unit.” These businesses must pay a fee to get a valid permit or license to operate from the city. The unit also needs to undergo a food safety inspection. Permits are valid for one year from the date of issue.

When a temporary food establishment or mobile food unit starts operating without a permit, it must have a food operation inspection, and the owner will pay double the permit fee to the city.

Tiny Homes

Tiny homes appeal to people who want to simplify their lives. Before you abandon standard housing, you should be aware that tiny homes have specific regulations.

A tiny home is usually considered a mobile home and must follow the same laws. If you are on a plot of land, you will need access to a septic tank, water, and other utilities before you can be approved to live on the land legally.

The City of Dallas has built tiny home communities for the homeless that have successfully kept many off the streets years later.

Parking Laws

Irving city laws generally require vehicles to be parallel parked in the direction of lawful traffic, with the right-hand wheels within 18 inches off the curb or the edge of the roadway.

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Irving Car Insurance FAQs

Though we’ve covered a lot of information, you may still have some lingering questions.

In this section, we will answer some of the most frequently asked questions about Irving and car insurance options there.

Keep reading to learn even more.

What is Irving, Texas, known for?

The City of Irving boasts that it’s one of Texas’s fastest-growing cities with a healthy economy. Its central location in the Dallas-Fort Worth appeals to visitors, giving them several options for accommodations, entertainment, dining, transportation, and more fun to enhance their stays.

How far is Irving, Texas, from Dallas?

According to Distance Between Cities, Irving is nine miles southeast from Dallas and 13 miles away by car if you travel along I-35 E South. If you drive non-stop, both cities are 16 minutes apart.

Is Irving, Texas, safe to live in?

Destination Scanner considers Irving a nice city to live in that lies between the popular cities of Dallas and Fort Worth. “From all accounts, Irving has good schools and normal levels of crime for a city its size.”

How much car insurance do you need to buy in Texas?

Drivers in Texas must carry minimum amounts of liability insurance coverage to pay for damages and medical bills from an accident. As part of the Lone Star State’s system of assigning fault to drivers, they’re required to have insurance as proof of their ability to pay for these losses.

As such, the state has set minimum amounts of liability coverage each driver must buy:

  • $30,000 in bodily injury liability per person injured in an accident you cause
  • $60,000 for total bodily injury liability when two or more people are injured in an accident you cause
  • $25,000 in property damage per accident you cause

But, sometimes, despite the minimum requirements, your insurance might not cover all the damage, especially if more than a few vehicles are involved. That’s why we recommend you buy more than the minimum required.

For more information about Texas’s liability car insurance requirements, watch the video below:

What are the penalties for driving without car insurance in Irving?

In Texas, you must show proof of insurance in the following situations:

  • Whenever a police officer asks for it
  • If you get into a car accident
  • When you register or renew your car’s registration
  • When you apply for or renew your driver’s license
  • When your car undergoes an inspection

Several government agencies, including local police and sheriff departments, use the online TexasSure program to verify whether drivers have car insurance.

If the system shows a driver is uninsured or there is inconsistent information regarding their insurance, they may receive the following notices:

  • Unmatched notice – Drivers will get this notice if they’re on record as having car insurance, but the coverage doesn’t match the car registration.
  • Uninsured notice – Drivers will get this notice if they’ve registered a vehicle without car insurance.

The table below details the penalties for driving without car insurance:

Penalties for Driving Without Insurance in TexasDetails
First Offense- Fine: $175 to $350 fine
- pay up to a $250 surcharge every year for three years (may be reduced with certain requirements)

Second Offense- Fine: $350 to $1000
- pay up to a $250 surcharge every year for three years (may be reduced with certain requirements)
- suspend the driver's license and vehicle registrations of the person unless the person files and maintains evidence of financial responsibility with the department until the second anniversary of the date of the subsequent conviction
- Impoundment: for 180 days and
cannot apply for release of car without evidence of financial responsibility and impoundment fee of $15/day
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In Texas, the penalties for driving without insurance are pretty strict, which is why you shouldn’t leave home without it.

How do I lower my auto insurance costs in Irving?

Above, we covered the major risk factors insurers consider when they set their rates. If you can keep your driving record clean, have a good credit score, own a home, and live in a relatively safe neighborhood, you’re on your way to getting lower rates.

What do you think? Did we answer all of your questions? We hope you’ve enjoyed this informative guide to car insurance in Irving. If you’re ready to compare rates, just enter your zip code in our FREE quote tool.