Car Insurance in Irving
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Car Insurance in Irving, TX
Located west of Dallas, Irving is the 12th largest city in Texas and is home to several Fortune 500 companies, including McKesson Corp., Kimberly-Clark, and Fluor. In addition to the employment opportunities, people flock to Irving for its extensive dining and shopping options, plus its vast green spaces that are fantastic for hiking, biking, and running. There are also several historical sites, including the Ruth Paine House Museum.
Despite its location and size, Irving's average commute time is slightly lower than the U.S. average. There are viable public transportation options, though most people choose to drive. All drivers must refrain from using their cell phones when behind the wheel, as it's against Texas law.
Irving residents who own or operate a vehicle must carry insurance with a minimum coverage of 30/60/25. However, if you finance your car with a loan or lease, your lender may require additional coverage limits.
To keep your car insurance costs in Irving reasonable, shop around before selecting a provider. Rates vary depending on several factors, including your location and zip code. EverQuote lets you compare car insurance quotes in Irving, potentially saving you money.
How much is car insurance in Irving, TX?
The total cost of car insurance in Irving will depend significantly on the type of coverage you're looking for. For a rough sense of the cost, here are the average prices we see for the 3 most common types of coverage in the city:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Irving?
Evaluating and ranking the insurance costs for every car make, model, and year in the city is challenging. However, if you're interested in finding out which newer models are generally more affordable to insure, here are the top 10 most cost-effective car makes and models to consider in Irving:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Honda Odyssey | $206 |
| 2 | Subaru Forester | $207 |
| 3 | Honda Cr-V | $208 |
| 4 | Toyota Corolla | $210 |
| 5 | Ford Fusion | $212 |
| 6 | Kia Sedona | $213 |
| 7 | Toyota Rav4 | $213 |
| 8 | Kia Sol | $214 |
| 9 | Toyota Tacoma | $215 |
| 10 | Ford F-150 | $221 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Whether you've experienced a minor fender bender, a major accident, received a few speeding tickets, been charged with a DUI, or been involved in a hit-and-run, these factors can all influence your insurance costs in the city. The following breakdown illustrates how rates adjust based on common claims and violations in Irving, ranked from least to most significant:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $213 | 0% |
| Not at-fault Accident | $228 | +7% |
| Driving with expired registration | $245 | +15% |
| Speeding Ticket | $261 | +23% |
| DUI | $294 | +38% |
| Driving with a suspended license | $312 | +46% |
| Hit and Run | $319 | +50% |
| At-fault Accident | $345 | +62% |
What car insurance discounts can I get in Irving?
There are a number of discounts in Irving that can help reduce your insurance expenses. These include bundling multiple policies, paying in full upfront, opting for paperless transactions, and receiving renewal discounts for loyalty. The list below, ordered from the most significant to the least, highlights potential ways to save on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $188 | +$25 |
| Paid in Full | $202 | +$11 |
| Multi-Policy Renters | $204 | +$9 |
| Low Mileage | $204 | +$9 |
| Renewal discount | $206 | +$7 |
| Paperless | $210 | +$3 |
| Electronic Funds Transfer | $211 | +$2 |
| None | $213 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.