Cheapest Car Insurance Quotes In Irving, TX For 2024

When looking for the cheapest car insurance in Irving, Texas, choices can vary, but one company, State Farm, stands out for its competitive prices. On average, residents can get car insurance for around $20 per month, which is much lower than the state’s average of $125.

For those wanting the most budget-friendly liability-only coverage, State Farm is the preferred option. Meanwhile, drivers wanting more extensive protection find that State Farm offers the most affordable rates for full coverage policies, priced at $45 a month. State Farm also provides the lowest rates for young drivers, at $145 per month.

How Much Is Car Insurance In Irving, TX?

State Farm offers the most economical car insurance in Irving, TX, with coverage starting at $135 per month.

Comparatively, as shown in the table below, its rates are notably lower than the average rates in both the State of Texas and the United States overall:

It’s crucial to note that the average national cost encompasses both high-cost states like New York, New Jersey, and California, as well as low-cost states like Mississippi, Kentucky, and Wyoming. Rates vary by location due to several factors, including vehicle type, coverage amount, zip code, driving history, and other considerations.

Cheapest Car Insurance Rates In Irving For Full Coverage

State Farm provides the most budget-friendly car insurance rates for full coverage in Irving. On average, their quotes stand at $45 per month.

Full coverage car insurance extends beyond the basic coverage required by law and usually includes comprehensive and collision coverages.

Comprehensive coverage shields against non-collision incidents like theft, vandalism, or natural disasters, while collision coverage safeguards against vehicle damages resulting from accidents, irrespective of fault.

Cheapest Car Insurance Rates In Irving For Teenagers

Young drivers in Irving can obtain the most economical insurance quotes from Nationwide, with average monthly premiums of $107.

Teenage drivers typically face the highest car insurance premiums, largely due to their limited experience on the road. Insurance companies consider these young drivers a high-risk group because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.

Cheapest Car Insurance Rates In Irving For Young Adults

In Irving, State Farm offers the most cost-effective quotes for young adults, with rates averaging approximately $145 per month.

In Texas, young adult drivers typically experience lower car insurance rates compared to teenagers. This variation in pricing is linked to the establishment of driving habits and a corresponding decline in risk-taking behaviors as drivers mature.

Statistically, young adults are less inclined to file claims with insurance companies, indicating a decrease in accident involvement. As a result, insurers lower premiums, recognizing the improved safety records and reduced likelihood of claims from these more seasoned drivers.

Cheapest Car Insurance Rates In Irving For Minimum Coverage

In Irving, State Farm provides the most budget-friendly car insurance rates for minimum coverage, averaging around $20 per month.

In Texas, a minimum car insurance policy should include at least the following:

• $25,000 property damage liability per accident
• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident

While having minimum car insurance offers some protection while driving, it doesn’t include collision or comprehensive insurance. Consequently, damages to your own vehicle in accidents or incidents like theft and natural disasters won’t be covered.

Moreover, driving without insurance is illegal in Texas. Failing to show proof of insurance during a traffic stop can lead to various penalties, including fines, license suspension, or more severe consequences.

Cheapest Car Insurance Rates In Irving For Seniors

Texas Farm Bureau provides the most economical car insurance rates for seniors in Irving, with average quotes totaling $38 per month.

In Texas, numerous seniors may find favorable car insurance rates influenced by various beneficial factors. Although age often affects insurance rate determinations, with older age sometimes linked to decreased driving ability, this stereotype doesn’t apply to all seniors uniformly.

Cheapest Car Insurance Rates In Irving For Good Drivers

In Irving, good drivers can obtain the most economical car insurance quotes from State Farm, averaging approximately $20 a month.

Drivers with clean driving records in Irving typically receive lower car insurance rates because they are deemed lower risk. Insurance companies analyze driving records to evaluate a person’s driving safety. Fewer incidents, such as accidents or traffic violations, suggest that the driver is careful and less likely to file a claim.

Insurers determine their rates based on the probability of a driver making a claim. Thus, a pristine driving record can lead to substantial savings on premiums. It’s all about assessing risk – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Irving For Drivers With Prior Incidents

In Irving, drivers with records of traffic violations, including accidents, speeding, or DUIs, often face difficulties in obtaining affordable car insurance. These driving infractions lead insurance companies to categorize them as high-risk drivers, anticipating a greater likelihood of filing future insurance claims.

Consequently, insurance providers raise their rates for these individuals to compensate for the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Irving For Drivers With A Speeding Ticket

State Farm provides highly competitive rates compared to other companies, averaging around $47 per month.

Cheapest Car Insurance Rates In Irving For Drivers With An At-Fault Accident

State Farm offers the most budget-friendly car insurance quotes for drivers with an at-fault incident, averaging approximately $59 per month.

Cheapest Car Insurance Rates In Irving For Drivers After A DUI

For drivers with a DUI in Irving, State Farm offers the most budget-friendly rates, with average monthly premiums of $87.

Best Car Insurance Companies In Irving

When choosing a car insurance company in Irving, drivers need to strike a balance between affordable rates and dependable protection on the road. Here are the top 10 car insurance companies in Irving, TX, ranked by the average monthly rate they offer:

Average Car Insurance Rates By Age In Irving

Age plays a significant role in determining car insurance rates. Typically, younger drivers, including teenagers and young adults, face higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. However, as drivers reach the age of 25, their rates usually start to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age as a factor to gauge driving experience and risk potential, which influences the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Irving

The type of vehicle you drive significantly affects your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Generally, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

On the other hand, older cars or those that are less expensive to repair or replace may attract lower premiums. Insurers take these factors into account because they directly impact the potential cost of claims. For instance, repairs for a high-end car are typically more expensive than for a standard vehicle. Moreover, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Texas?

The city where you reside has a significant impact on your car insurance rates. Insurance companies take into account various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates. These risks tend to be higher in urban areas, which can result in increased premiums.