The average cost of car insurance in Irving, Texas, is $609 for a minimum coverage policy and $1,989 for a full coverage policy. Not only is car insurance a legal requirement in Irving, but it also helps protect you and other drivers in the event of a crash. In 2019, there were 3,333 total accidents reported on Irving roads.
Irving drivers have a number of options when it comes to car insurance, so we did research to find the best providers. We compared some of the largest car insurance companies in Texas using criteria such as average price, coverage options and discounts.
Best car insurance companies in Irving
The best car insurance companies in Irving are USAA, Geico, State Farm and Allstate. These providers offer below-average premiums, generous savings opportunities, reliable coverage and good third-party ratings.
|Insurance company||J.D. Power customer satisfaction score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|USAA||879 / 1,000||$475||$1,449|
|Geico||832 / 1,000||$465||$1,469|
|State Farm||838 / 1,000||$628||$1,567|
|Allstate||836 / 1,000||$630||$1,783|
USAA is one of the highest-rated car insurance companies on the market. The catch is that you must be active duty or a retired military service member to get coverage. Irving drivers who qualify for USAA car insurance can take advantage of the company’s low rates, excellent customer service and great discounts.
Through USAA, you may be able to save money on your car insurance policy by being a safe driver, taking a defensive driving course, being a good student, garaging your vehicle on base or driving under a certain number of miles each year. Plus, you can get accident forgiveness coverage for free after five years.
Learn more: USAA Insurance review
Geico is known for being one of the cheapest car insurance companies in the country. On average, drivers in Irving pay just $465 for a minimum coverage policy and $1469 for a full coverage policy, which is well below the citywide average.
In addition to affordable rates, Geico also offers a long list of discounts. There are potential savings for federal employees, military personnel, employer/membership groups, vehicles with advanced safety features and having no prior claims, among others. The only downside is that Geico’s coverage is pretty limited when it comes to add-ons.
Learn more: Geico Insurance review
State Farm is the largest car insurance provider in the country, with over 16% of the total market share. With State Farm, drivers in Irving can get access to great coverage options and good discounts, as well as highly rated customer service through its network of 19,000 agents.
One of the biggest standout features of State Farm is that it offers two safe driver rewards programs. Drivers over 25 can enroll in Drive Safe & Save, and drivers under 25 can enroll in the Steer Clear program. In addition, drivers can add a variety of discounts to their policy for even more savings, like a generous policy bundling discount of up to 17%.
Learn more: State Farm Insurance review
Allstate was rated slightly below average for overall customer satisfaction in J.D. Power’s most recent auto insurance study, but we still recommend it for drivers in Irving. Allstate has affordable rates, good discounts and a variety of optional coverages that make it easy to customize your policy.
Besides the basic full and minimum coverage options, you can also get roadside assistance, new car replacement coverage, accident forgiveness, sound system insurance and rental reimbursement coverage through Allstate. The company also offers a pay-per-mile insurance program, called Milewise, which is a good option for infrequent drivers who want a cheaper rate.
Learn more: Allstate Insurance review
Cheapest car insurance in Irving
Drivers in Irving pay higher car insurance rates than the average Texan. For comparison, the average cost of car insurance in Texas is $1,823 for a full coverage policy and $152 for a minimum coverage policy. Additionally, the cost of car insurance in Irving is higher than the United States national average rate, which is $1,674 for a full coverage policy.
However, insurance companies in Irving each charge a slightly different rate for car insurance. Plus, every driver pays a different rate based on factors like age, credit score and claim history. Here are the companies that have the cheapest car insurance in Irving:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
If you are looking for cheap car insurance in Texas, know that not all companies are created equal. For instance, Nationwide is the cheapest provider overall, but it has a poorer customer satisfaction rating. USAA is one of the top-rated companies on the market, but you must be affiliated with the military to get coverage.
In terms of policy options, State Farm and Geico offer somewhat limited coverage, as does USAA. If you want to take advantage of endorsements to customize your coverage, Mercury and Nationwide are going to be the better options.
One thing that all of these Texas car insurance providers have is great discounts. In addition, each company offers its own safe driver reward program, which can help you get a lower rate by demonstrating safe skills behind the wheel. However, keep in mind that each company offers different discounts with varying savings potential.
Irving insurance requirements
Drivers in Irving must carry car insurance. Texas car insurance laws state that drivers are required to have at least 30/60/25 liability insurance, which includes the following coverages:
- $30,000 in bodily injury coverage per person
- $60,000 in bodily injury coverage per accident
- $25,000 in property damage coverage per accident
Purchasing a minimum coverage policy is sometimes the cheapest option, but keep in mind that it might not offer enough coverage in the event of an at-fault accident. If you cause an accident and your financial responsibility exceeds the policy’s coverage limits, you have to pay the difference out of pocket.
Usually, drivers have the option to purchase a full or minimum coverage policy. However, if you lease or finance your vehicle, you will probably be required to carry a full coverage policy until the loan is repaid.
Car insurance discounts in Irving
If you want cheap car insurance, look for insurance providers that offer discounts you can take advantage of. Here are some of the most common discounts available in Irving:
- Claim-free discount: Drivers who have no prior claims on their record can usually qualify for a discount on their car insurance policy.
- Good student discount: If you are a high school or college student and you maintain a minimum GPA, many insurance companies will give you a lower premium.
- Defensive driving course discount: Drivers who complete an approved defensive driving course often get a slightly lower rate.
- Policy bundling discount: If you bundle your car and home or renters insurance policy, most insurance companies will offer a pretty generous discount.
In addition to these discounts, there are some other ways that you can get a lower car insurance rate in Irving. One of the most effective ways is to improve your credit score, which makes you less risky to insure. You should also avoid traffic violations and accidents, which can cause your rate to increase.
Frequently asked questions
What is the best car insurance company?
The best car insurance company varies because it is different for everyone. To find the best provider, we recommend shopping around using your personal criteria. You should also get multiple quotes to see which company can offer you the lowest rate.
How much does car insurance in Irving cost?
In Irving, the average annual cost of car insurance is $609 for a minimum coverage policy and $1,989 for a full coverage policy. However, the average premium depends on factors like your age, ZIP code, credit score, the amount of coverage you want, which discounts you qualify for and your chosen deductible.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.