If you drive in Irving, Texas, finding cheap car insurance is key. The state’s rules and Irving’s cost of living make it hard to get a good deal. Luckily, many trusted insurance companies offer great rates in Irving.
State Farm, GEICO, and Allstate are the top three cheapest car insurance companies in Irving. They meet Texas’s minimum insurance needs and offer extra protection for your car and wallet. Whether you need liability-only or full coverage, these companies can help you find affordable insurance in Irving.
Key Takeaways
- The average cost of car insurance in Irving, Texas is $201 per month, which is higher than the state average of $185 per month.
- State Farm, GEICO, and Allstate are the three cheapest car insurance providers in Irving, offering both minimum and full coverage options.
- Drivers in Irving can save money on affordable car insurance in irving by comparing quotes from multiple insurers and considering factors like driving history, age, and credit score.
- Comprehensive and collision coverage are recommended to protect your vehicle in the event of an accident or other covered incidents.
- Drivers who are unable to find coverage in the private market can apply for insurance through the Texas Automobile Insurance Plan Association (TAIPA).
The Cheapest Car Insurance Companies in Irving
Finding affordable car insurance in Irving, Texas can be tough. Yet, some companies are clear winners for those looking for minimum coverage. State Farm leads with rates averaging $33 monthly or $391 yearly. Geico is another great choice, with costs around $43 monthly or $516 yearly.
For full coverage insurance, State Farm is the top pick in Irving. Their full coverage policies average $121 monthly or $1,447 yearly. Full coverage is pricier but offers great protection for your car in accidents or other incidents.
| Insurance Provider | Minimum Coverage | Full Coverage |
|---|---|---|
| State Farm | $33/mo or $391/yr | $121/mo or $1,447/yr |
| Geico | $43/mo or $516/yr | N/A |
Remember, insurance rates change a lot based on things like your driving record, age, and credit score. Drivers in Irving should look at different insurers to find the cheapest minimum coverage car insurance in irving tx or the best full coverage auto insurance in irving that suits their budget and needs.
Average Cost of Car Insurance in Irving
The average cost of car insurance in Irving, Texas varies a lot based on coverage and personal factors. The average cost for minimum coverage is $65 a month or $783 a year. This is about 25% higher than the national average of $52 a month or $627 a year.
For full-coverage insurance, Irving residents pay about $201 a month or $2,409 a year. This is about 20% more than the national average of $167 a month or $2,008 a year. The higher rates in Irving come from factors like population density, traffic, and living costs.
| Coverage Type | Average Cost in Irving | National Average |
|---|---|---|
| Minimum Coverage | $65 per month / $783 per year | $52 per month / $627 per year |
| Full Coverage | $201 per month / $2,409 per year | $167 per month / $2,008 per year |
Even though the average typical auto insurance rates in Irving are higher, drivers can still find ways to save. By comparing quotes, using discounts, and keeping a clean driving record, you can lower your costs in Irving.
Factors Affecting Car Insurance Rates
Car insurance rates in Irving, Texas, are influenced by two main factors: age and credit score. Knowing how these affect premiums can help drivers make better choices and save money.
Age and Car Insurance Rates
Driver age is a big factor in car insurance costs in Irving. Young drivers, especially those under 25, pay more because they’re more likely to have accidents. For example, 16-year-olds in Irving pay about $284 a month or $3,404 a year for basic insurance.
But, as drivers get older, their insurance rates go down. By their mid-20s, the cost for basic coverage drops to $78 a month. This decrease continues as drivers enter their 30s, 40s, and 50s.
Credit Score and Car Insurance Rates
A driver’s credit score also affects their insurance rates in Irving. Insurance companies in Texas, including Irving, look at credit scores to set premiums. Drivers with lower scores might pay more than those with good or excellent scores.
For instance, USAA offers basic policies to drivers with poor credit for about $78 a month or $936 a year. This is 18% higher than the average for good credit scores in Texas.
| Age Group | Average Minimum Coverage Rate (per month) |
|---|---|
| 16-year-olds | $284 |
| 25-year-olds | $78 |
| 35-year-olds | $65 |
| 45-year-olds | $64 |
| 55-year-olds | $60 |
Understanding how age and credit score affect car insurance rates in Irving helps drivers make better choices. This can lead to saving money on premiums.
car insurance irving tx After Violations
If you’ve had a run-in with the law, like a speeding ticket, accident, or DUI, you might be seen as a high-risk driver. This can lead to much higher car insurance rates in Irving, TX. For example, a speeding ticket can raise your rates by 18%. An at-fault accident can increase them by 71%. And a DUI can make them go up by a huge 59%.
But don’t lose hope. There are still ways to get affordable car insurance for high-risk drivers in Irving. Our research found that State Farm often has the cheapest rates for drivers with violations. You could pay as little as $33 a month for a speeding ticket, $40 for an at-fault accident, or $59 for a DUI.
“By shopping around and comparing quotes, high-risk drivers in Irving can still find coverage that fits their budget.”
It’s important to look at different options and compare quotes from various insurers. Don’t just accept the first offer you get. With some effort, you can find car insurance rates in Irving, TX after violations that won’t empty your wallet.
Keeping a clean driving record is the best way to lower your insurance costs over time. But if you’ve had a mistake, there are still ways to get affordable coverage in Irving. Just make sure to shop around, look at your options, and use any discounts you can find.
Car Insurance for Teens in Irving
Getting affordable car insurance for teen drivers in Irving can be tough. Young and new drivers usually pay more because they’re more likely to have accidents. But, some companies offer cheapest car insurance for teen drivers in irving at good prices.
GEICO is the best deal for teens in Irving, with rates as low as $121 a month or $1,451 a year. State Farm, Texas Farm Bureau, and USAA also offer good prices, with monthly rates between $123 and $160.
| Insurance Provider | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| GEICO | $121 | $1,451 |
| State Farm | $123 | $1,476 |
| Texas Farm Bureau | $143 | $1,716 |
| USAA | $160 | $1,920 |
By comparing quotes and adjusting coverage, young drivers in Irving can find a policy that fits their budget. Keeping a clean driving record, choosing a safe car, and reviewing coverage often can help get the best rates.
“Investing in the right car insurance is crucial for teen drivers in Irving, as it not only protects them on the road but also provides peace of mind for their families.”
Car Insurance for Military Drivers in Irving
For military drivers in Irving, Texas, finding affordable car insurance is key. Luckily, many insurance companies offer special deals for those who have served.
USAA is a top choice for military folks. They offer full coverage for about $935 a year. This includes competitive rates and policies made just for veterans, active-duty people, and their families.
State Farm and Texas Farm Bureau Insurance are also great for car insurance discounts for military in Irving. State Farm’s full coverage is around $741 a year. Texas Farm Bureau’s is about $870. These companies are great for affordable car insurance for veterans in Irving.
For minimum coverage, State Farm and Texas Farm Bureau Insurance are top picks. They cost about $366 and $414 a year, respectively. These are good options for military drivers in Irving who just need the basic insurance.
“Serving our country comes with many sacrifices, but finding affordable car insurance shouldn’t be one of them. These insurance providers understand the unique needs of our military members and offer tailored solutions to help ease the financial burden.”
Looking into options from USAA, State Farm, and Texas Farm Bureau Insurance can help military drivers in Irving. They can get the coverage they need without breaking the bank.
How to Compare Cheap Irving Car Insurance Quotes
Finding affordable car insurance in Irving, TX can seem hard, but it’s easier with the right tools. The key is to compare quotes from many providers to get the best deal.
One way is to go to each insurance company’s website and fill out your info for a quote. But this can take a lot of time, often 15 minutes per quote. A better way is to use online tools that give you instant quotes from different companies.
For instance, MoneyGeek’s car insurance calculator only needs a few details like your age, vehicle, driving history, and coverage levels you want. This lets you quickly see quotes from many insurers and find the cheapest options for you.
Using these online tools saves you time and effort. You can quickly compare rates from many providers with just a few clicks. This helps you make a smart choice on the best policy for your budget and driving needs.
| Insurance Provider | Average Monthly Premium |
|---|---|
| Progressive | $106 |
| Allstate | $112 |
| Travelers | $117 |
| Kemper Auto | $121 |
| Safeco | $132 |
| Bristol West | $137 |
| Infinity | $152 |
| Gainsco | $221 |
| Others | $233+ |
“In Irving, Texas, on average, residents can get car insurance for around $20 per month, which is much lower than the state’s average of $125.”
By using online compare car insurance quotes in irving tx tools, you can quickly find affordable coverage that fits your needs and budget. Don’t settle for high rates; explore and get the best online car insurance quote tools for irving today.
Best Car Insurance Companies in Irving
Looking for the top rated car insurance companies in irving and the highest customer satisfaction car insurers in irving? Several companies are leading the pack. MoneyGeek ratings and customer reviews highlight the best car insurance options in Irving, Texas as:
- Texas Farm Bureau Insurance – MoneyGeek score of 78 out of 100, $870 per year
- State Farm – MoneyGeek score of 76 out of 100, $741 per year
Texas Farm Bureau Insurance is known for its great rates and customer service. State Farm also offers competitive prices and quality coverage for Irving drivers. For those in the military, USAA is the top choice, scoring 81 out of 100 on MoneyGeek.
| Insurance Provider | MoneyGeek Score (out of 100) | Average Annual Premium |
|---|---|---|
| Texas Farm Bureau Insurance | 78 | $870 |
| State Farm | 76 | $741 |
| USAA | 81 | $935 |
Choosing the best car insurance companies in Irving means looking at affordability, customer satisfaction, and coverage options. This helps you find the right fit for your needs.
“Texas Farm Bureau Insurance and State Farm have consistently provided reliable and affordable coverage for drivers in the Irving area.”
Conclusion
Finding cheap car insurance in Irving, TX means looking at quotes from different companies. State Farm, Geico, Texas Farm Bureau, USAA, and Allstate have some of the lowest rates. Your age, credit score, and driving record can change how much you pay, so it’s smart to compare prices.
Using online tools and thinking about customer service and coverage can help you find the best car insurance in Irving. If you want to know about the best car insurance in Irving TX or how to get cheap coverage, look at your options. Pick a policy that matches your budget and lifestyle.
With the right car insurance, Irving residents can feel safe on the roads. By researching and comparing companies, you can get the coverage you need without spending too much. This way, you can drive with peace of mind.
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Finding cheap car insurance in Irving, TX means looking at quotes from different companies. State Farm, Geico, Texas Farm Bureau, USAA, and Allstate have some of the lowest rates. Your age, credit score, and driving record can change how much you pay, so it’s smart to compare prices.