Buy Cheap Irving, TX Auto Insurance

The cheapest Irving, TX auto insurance is offered by State Farm, although rates will vary based on many factors, including age, ZIP code, and driving record. Drivers in Irving, TX must carry at least the state minimum auto insurance of 30/60/25 in liability coverage. To find the best Irving, TX car insurance, compare quotes from multiple companies online.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 15, 2021

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A Concise Overview

  • The cheapest auto insurance company that offers coverage without eligibility requirements in Irving, TX is State Farm
  • Irving is part of the larger Dallas-Fort Worth area and sees high amounts of traffic
  • Auto insurance rates in Irving, TX are higher than the state average

Irving, TX auto insurance rates are pretty high. But, that’s not surprising since Texas auto insurance rates, in general, are higher than the national average.

The good news is that you can still find affordable Irving, TX auto insurance if you shop around. Compare quotes from multiple companies to find the best deals for you.

Enter your ZIP code now to receive Irving, TX auto insurance quotes.

What is the cheapest auto insurance company in Irving, TX?

State Farm offers the lowest average auto insurance rates to all drivers. USAA is actually cheaper but only offers auto insurance coverage to members of the military, veterans, and their families.

These are the top-rated Irving, TX auto insurance companies listed from cheapest to most expensive:

  • 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

Irving, TX is located right outside of the Dallas-Fort Worth area so drivers see those big city auto insurance rates.  For example, Irving auto insurance rates are comparable to car insurance in Houston Texas.

It’s also important to note that there are many different factors that affect auto insurance rates. Companies take into account your age, gender, marital status, ZIP code, driving record, and credit history when calculating your rates.

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What auto insurance coverage is required in Irving, TX?

Almost every state, including Texas, requires drivers to carry at least a minimum amount of auto insurance.

The minimum auto insurance requirements in Irving, TX are:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

With the growing cost of health insurance and car prices, you can see that these limits can be exhausted very easily. To reduce out-of-pocket expenses, consider increasing coverage limits.

What affects auto insurance rates in Irving, TX?

Irving drivers have to deal with a lot of traffic as a part of the Dallas-Fort Worth area. This can lead to more accidents and higher auto insurance rates.

Although INRIX doesn’t list data for Irving, it does rank Dallas, TX as the 20th most congested city in the U.S.

In fact, City-Data shows that Irving, TX commuters spend at least 35 minutes in traffic on average. Over 80 percent also choose to drive alone rather than carpool or use public transportation.

Auto theft can also raise auto insurance rates, and the FBI reports that there were 711 motor vehicle thefts in Irving, TX.

Irving, TX Auto Insurance: The Bottom Line

Since auto insurance in the area is pretty expensive, shop around before you buy Irving, TX auto insurance. Compare quotes to find the best coverage at the cheapest price.

Enter your ZIP code now to compare Irving, TX auto insurance rates from multiple companies.

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