Best Cheap Auto Insurance in Irving, TX (2021)

The average Irving, TX auto insurance rates are $364 per month. The minimum auto insurance in Irving is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Irving, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Irving is 24.2 minutes
  • The cheapest auto insurance company in Irving is USAA
  • The minimum auto insurance required in Irving, Texas is 30/60/25

Irving, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Irving can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Irving, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Irving to other Texas cities, including Laredo auto insurance rates, Dallas auto insurance rates, and El Paso auto insurance rates to see how Irving, Texas auto insurance rates stack up.

Before you buy Irving, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Irving, Texas auto insurance quotes.

Minimum Auto Insurance in Irving, Texas

Irving, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Irving, Texas.

Minimum Required Auto Insurance Coverage in Irving, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Irving, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Irving, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Irving, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,727 $3,749 $3,676 $3,676 $9,964 $11,995 $4,599 $4,775
American Family $4,222 $4,677 $3,759 $4,300 $10,348 $13,642 $5,934 $6,763
GEICO $2,630 $2,843 $2,538 $2,886 $5,838 $6,060 $2,851 $2,845
Nationwide $2,468 $2,507 $2,179 $2,306 $7,099 $9,111 $2,910 $3,149
Progressive $2,519 $2,417 $2,223 $2,276 $10,131 $11,294 $2,997 $3,060
State Farm $2,260 $2,260 $2,023 $2,023 $5,535 $7,074 $2,466 $2,537
USAA $1,728 $1,726 $1,660 $1,635 $4,948 $5,352 $2,294 $2,432

Cheap Irving, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Irving, Texas is a challenge. Take a look at the annual teen auto insurance rates in Irving, Texas.

Annual Auto Insurance Rates for Teen Drivers in Irving, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,964 $11,995
American Family $10,348 $13,642
GEICO $5,838 $6,060
Nationwide $7,099 $9,111
Progressive $10,131 $11,294
State Farm $5,535 $7,074
USAA $4,948 $5,352

Cheap Irving, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Irving, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Irving, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,676 $3,676
American Family $3,759 $4,300
GEICO $2,538 $2,886
Nationwide $2,179 $2,306
Progressive $2,223 $2,276
State Farm $2,023 $2,023
USAA $1,660 $1,635

Cheap Irving, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Irving, Texas compared to the annual auto insurance rates with a clean record in Irving, Texas.

Annual Irving, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,444 $6,944 $7,250 $4,444
American Family $6,120 $7,776 $6,806 $6,120
GEICO $3,019 $4,008 $3,329 $3,889
Nationwide $3,438 $3,438 $5,103 $3,885
Progressive $4,028 $5,168 $4,713 $4,550
State Farm $2,894 $3,337 $3,964 $2,894
USAA $2,019 $3,005 $3,545 $2,319

Cheap Irving, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Irving, Texas is not easy. Compare the annual rates for DUI auto insurance in Irving, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Irving, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,250
American Family $6,806
GEICO $3,329
Nationwide $5,103
Progressive $4,713
State Farm $3,964
USAA $3,545

Cheap Irving, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Irving, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Irving, Texas

Insurance Company Poor Fair Good
Allstate $7,325 $5,376 $4,609
American Family $9,337 $5,774 $5,006
GEICO $5,507 $3,109 $2,067
Nationwide $4,755 $3,823 $3,320
Progressive $5,225 $4,480 $4,139
State Farm $4,624 $2,887 $2,306
USAA $3,978 $2,318 $1,870

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Cheap Irving, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Irving, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Irving, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Irving, Texas

ZIP Code Average Annual Rates
75038 $6,517
75039 $6,182
75061 $6,308
75062 $6,331
75063 $6,247

Cheap Irving, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Irving, Texas auto insurance. Find the cheapest annual Irving, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Irving, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,625 $5,915
American Family $6,706 $6,706
GEICO $3,496 $3,626
Nationwide $3,966 $3,966
Progressive $4,615 $4,615
State Farm $3,272 $3,272
USAA $2,687 $2,756

Cheap Irving, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Irving, Texas? Check out the comparison of annual Irving, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Irving, Texas

Insurance Company Low Medium High
Allstate $5,632 $5,718 $5,960
American Family $6,295 $6,484 $7,338
GEICO $3,376 $3,521 $3,787
Nationwide $4,274 $3,799 $3,826
Progressive $4,422 $4,595 $4,827
State Farm $3,090 $3,263 $3,464
USAA $2,616 $2,710 $2,840

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Best By Category: Cheapest Auto Insurance in Irving, Texas

Compare the cheapest auto insurance companies in Irving, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Irving, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Irving, Texas Auto Insurance Companies

What auto insurance companies in Irving, Texas are the cheapest? Compare the top Irving, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Irving, Texas

Insurance Company Average Annual Rates
Allstate $5,770
American Family $6,706
GEICO $3,561
Nationwide $3,966
Progressive $4,615
State Farm $3,272
USAA $2,722

What affects auto insurance rates in Irving, Texas?

There are a lot of reasons why auto insurance rates in Irving, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Irving, Texas. Many local factors may affect your Irving auto insurance rates.

Irving Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Irving, Texas auto theft statistics, there have been 720 auto thefts in the city.

Irving Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Irving, Texas commute length is 24.2 minutes according to City-Data.

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Compare Irving, Texas Auto Insurance Quotes

Before you buy Irving, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Irving, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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