Finding the right auto insurance Irving TX, Texas, is easy with many affordable options. Top companies like State Farm, Geico, Texas Farm Bureau, USAA, and offer great rates. The average cost for minimum coverage is $65 a month or $783 a year. This is about 25% more than the national average.
Full-coverage insurance costs $201 a month or $2,409 a year on average. This is about 20% more expensive than the national average.
By looking at these top insurance companies, drivers can find the best coverage for their budget. Whether you’re a young driver, have a bad driving record, or need military-friendly options, this guide will help. It will show you how to get the most affordable policy.
Key Takeaways
- State Farm, Geico, Texas Farm Bureau, USAA, and Allstate are the top-rated and most affordable auto insurance providers in Irving, TX.
- The average cost of minimum-coverage insurance in Irving is $65 per month, while full-coverage insurance costs $201 per month on average.
- Factors like age, driving record, and credit score can significantly impact auto insurance rates in Irving.
- Drivers with high-risk profiles, such as those with speeding tickets, at-fault accidents, or DUI convictions, can find the cheapest rates from providers like State Farm and USAA.
- Teens and young drivers in Irving pay significantly more for car insurance, with Geico offering the most affordable minimum coverage options.
Overview of Auto Insurance in Irving TX
When looking at auto insurance in Irving, TX, it’s key to know the average rates and find the cheapest options for both minimum and full coverage. The average cost for minimum-coverage insurance in Irving is $65 per month or $783 per year. This is about 25% higher than the national average. For full-coverage insurance, the average cost is $201 per month or $2,409 per year. This is around 20% more expensive than the national average.
Average Rates for Minimum and Full Coverage
The average cost of minimum-coverage insurance in Irving is $65 per month or $783 per year. Full-coverage insurance costs an average of $201 per month or $2,409 per year. These rates are higher than the national averages. The national averages are $52 per month or $627 per year for minimum coverage and $167 per month or $2,008 per year for full coverage.
Cheapest Providers for Minimum and Full Coverage
For the cheapest auto insurance in Irving, Texas, State Farm offers the best deal for minimum-coverage insurance at $366 per year. On the other hand, Dairyland is the most expensive, costing about $1,207 per year.
For full-coverage insurance, State Farm is the most affordable at $741 per year. Texas Farm Bureau Insurance is the next best option at $870 per year.
| Insurance Provider | Minimum Coverage Cost | Full Coverage Cost |
|---|---|---|
| State Farm | $366 per year | $741 per year |
| Texas Farm Bureau Insurance | $401 per year | $870 per year |
| GEICO | $425 per year | $1,001 per year |
| Dairyland | $1,207 per year | $1,451 per year |
“Finding the right balance between coverage and cost is essential when choosing auto insurance in Irving. Comparing quotes from multiple providers can help drivers secure the best protection at the most affordable price.”
Factors Affecting Auto Insurance Rates in Irving
Auto insurance rates in Irving, Texas, depend on several key factors. It’s important to know these to get the best coverage for your needs. Your age, gender, driving record, and credit score all affect your premiums.
Age and Gender
Age is a big factor in Irving’s auto insurance rates. Young drivers under 25 are seen as higher risk and pay more. Older, more experienced drivers might get discounts. Gender also matters, with male drivers in Irving usually paying more than females.
Driving Record
Your driving history greatly affects your insurance costs in Irving. A clean record with no accidents or tickets means lower rates. But, a history of speeding or accidents can lead to much higher premiums.
Credit Score
Your credit score also plays a part in Irving’s auto insurance rates. Insurers use credit scores to gauge risk, offering better rates to those with higher scores. Keeping a good credit history is key to finding affordable insurance in Irving.
Knowing these factors helps you navigate the market and compare quotes. This way, you can find the best and most affordable coverage for your needs.
Cheapest Auto Insurance for High-Risk Drivers
Driving violations can really hike up your car insurance costs in Irving, Texas. A speeding ticket can increase your rates by 18%. An at-fault accident can raise them by 71%. And a DUI can add 59% to your premiums. But, with some effort, high-risk drivers in Irving can still find affordable auto insurance coverage.
Rates for Speeding Tickets
If you have a speeding ticket, expect to pay about $149 a month for insurance. This is $23 more than for those with a clean record. To save money, compare quotes from Direct Auto, Texas Farm Bureau, and State Farm.
Rates for At-Fault Accidents
An accident that causes over $2,000 in damages can bump up your monthly insurance by $193. That’s an extra $2,310 a year. Look for affordable options from Geico and Progressive, which cater to high-risk drivers.
Rates for DUI Convictions
- With a DUI, your monthly insurance could hit $267. That’s a 59% jump from average rates.
- For cheaper DUI insurance, check out USAA and Texas Farm Bureau. They offer better deals for high-risk drivers.
| Violation | Average Monthly Rate Increase | Average Annual Rate Increase |
|---|---|---|
| Speeding Ticket | $23 | $276 |
| At-Fault Accident | $193 | $2,310 |
| DUI Conviction | $141 | $1,692 |
“Finding the right car insurance as a high-risk driver in Irving can be challenging, but with the right research and comparison tools, you can still get affordable coverage that meets your needs.”
auto insurance irving tx for Teens and Young Drivers
In Irving, Texas, teenage drivers pay the highest auto insurance rates. Young drivers are more likely to be in accidents or break traffic laws. Our data shows that 16-year-olds in Irving pay about $284 per month or $3,404 per year for car insurance.
To help young drivers in Irving get cheaper insurance, there are a few strategies. They can look for discounts like good student discounts or driver’s education course discounts. Being on their parents’ insurance policy can also save money. Plus, keeping a clean driving record and avoiding accidents or tickets can lower insurance costs.
- Consider usage-based insurance, which can provide discounts for safe driving habits.
- Choose a higher deductible to lower monthly payments, but ensure you have the necessary funds to cover the deductible if needed.
- Bundle your auto insurance with other policies, such as homeowner’s or renter’s insurance, to take advantage of multi-policy discounts.
By looking into these options and comparing quotes for the best car insurance for teens in irving texas, young drivers in Irving can find affordable coverage. This fits their budget and meets their driving needs.
| Age | Average Annual Premium |
|---|---|
| 16 years old | $3,404 |
| 17 years old | $3,042 |
| 18 years old | $2,703 |
| 19 years old | $2,382 |
| 20 years old | $2,076 |
“Securing affordable auto coverage for young drivers in irving is crucial. It protects them financially and helps teach responsible driving early.”
Auto Insurance for Military Personnel in Irving
For military drivers in Irving, Texas, finding affordable auto insurance is key. The best auto insurance for military members in Irving offers great protection at a good price. It helps veterans and active duty save money.
Rates from USAA and Other Providers
USAA is a top choice for military folks in Irving. They offer auto insurance that’s priced well. Their full coverage costs about $935 a year, which is quite affordable.
Other great options for military drivers in Irving include:
- State Farm: $741 per year for full coverage
- Texas Farm Bureau Insurance: $870 per year for full coverage
USAA is a popular choice for many military families. But, it’s smart to check out other insurers too. This way, you can find the best auto insurance for military members in Irving, Texas at a good price.
“As a veteran, I was thrilled to find that USAA offered such affordable auto insurance options in Irving. The process was straightforward, and I felt well-protected on the road.”
Other companies like State Farm and Texas Farm Bureau Insurance also have great deals for veterans and active duty in Irving. By looking at different options, military folks can get the right coverage without spending too much.
Top Auto Insurance Providers in Irving
Looking for the best auto insurance in Irving, Texas? Check out State Farm, Geico, and Texas Farm. These companies offer great policies, good rates, and top-notch customer service.
State Farm
State Farm is a big name in auto insurance. They have many coverage options for drivers in Irving. They focus on personalized service and have many local agents to help you find the right policy.
Geico
Geico is a leader in best auto insurance providers in irving texas. They offer low rates and an easy-to-use website. Geico is known for great customer service and new features, making insurance easy for Irving folks.
Texas Farm Bureau
If you want a local touch, try top car insurance companies in irving tx, Texas Farm Bureau. They focus on farms and rural areas. They give Irving customers special coverage and personal attention.
| Provider | Headcount | Founded | Coverage Areas | Additional Services |
|---|---|---|---|---|
| State Farm | 51,000-100,000 | 1922 | Texas, U.S., Canada | Mobile app, roadside assistance, life insurance |
| Geico | 11,000-50,000 | 1936 | Texas, U.S. | Mobile app, insurance bundling, 24/7 customer support |
| Texas Farm Bureau | 1,001-5,000 | 1946 | Texas | Specialized agricultural coverage, community-focused services |
“At State Farm, we understand that each Irving driver has unique insurance needs. That’s why we work closely with our customers to provide tailored coverage options and exceptional service.”
How to Get Cheap Auto Insurance Quotes in Irving
Finding affordable car insurance quotes in Irving, Texas is key for drivers. They want to balance coverage and cost. To get cheap auto insurance in Irving, compare rates from many providers. Use an online car insurance calculator to quickly get estimates from top insurers. This saves time compared to calling each company.
Comparing Rates Online
Using online comparison tools is the easiest way to find cheap auto coverage in Irving. These tools let you enter your details and get quotes from many insurers. You can then compare rates easily, making sure you pick the best and most affordable option.
Discounts and Bundling Options
Don’t forget to look for discounts to lower your car insurance costs in Irving. Many insurers offer savings for things like safe driving, safety features, bundling policies, and more. By checking these discounts, you can make your auto insurance in Irving, TX, even cheaper.
| Discount Type | Average Savings |
|---|---|
| Safe Driving Record | Up to 20% |
| Vehicle Safety Features | Up to 15% |
| Bundling Home and Auto | Up to 25% |
| Good Student Discount | Up to 10% |
By using these tips, drivers in Irving can find the cheapest auto insurance. They can get comprehensive coverage without spending too much.
“To get the cheapest auto insurance in Irving, it’s essential to shop around and take advantage of all available discounts. Comparing quotes online is the best way to find the coverage you need at the most affordable rate.”
Tips for Saving on Auto Insurance in Irving
Comparing quotes online and using discounts are great ways to lower car insurance costs in Irving, Texas. Another strategy is to increase your deductible, which can cut down your monthly payments. Keeping a clean driving record by avoiding tickets and accidents also helps. Insurers give lower rates to drivers who are less risky.
Another tip is to bundle your auto insurance with other policies like homeowners or renters insurance. This often leads to a discount. If you’re part of certain groups, like professional associations or alumni clubs, you might get group discounts too.
Reviewing and adjusting your coverage regularly is also key. This ensures you have the right amount of protection without overpaying. By making smart choices about your coverage, you can get the best value for your money on auto insurance in Irving.
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Comparing quotes online and using discounts are great ways to lower car insurance costs in Irving, Texas. Another strategy is to increase your deductible, which can cut down your monthly payments. Keeping a clean driving record by avoiding tickets and accidents also helps. Insurers give lower rates to drivers who are less risky.