CarInsurance.com Insights
- CarInsurance.com’s data study found that Texas Farm Bureau and State Farm offer the cheapest car insurance rates in Irving at annual costs of $513 and $608, respectively, for state minimum coverage.
- You can save an average of $2,853 per year on a full coverage policy in Irving by comparing price quotes from different carriers.
- Drivers with a speeding ticket on their records can find the cheapest rates with Auto Club Enterprises (AAA) at an average annual cost of $3,968 for full coverage.
- Progressive is one of the most affordable insurers for drivers with a DUI, with average annual premiums of $3,574 for full coverage.
Texas Farm Bureau, Redpoint Insurance and State Farm are the top insurers with the most affordable car insurance rates for drivers in Irving, Texas for a full coverage policy.
In Irving, the average annual cost of a state minimum car insurance policy for an adult with a clean driving record and a good insurance score is $725. If you upgrade to full coverage, the cost increases to $2,849.
Insurance companies determine premiums for each driver differently, taking into account factors like age, driving history and car make and model.
Where you live plays a significant role in determining car insurance rates. Premiums vary widely from one city to another and even between ZIP codes within the same city. Areas with more traffic often see higher accident rates and more claims, so insurers take into account factors such as population density, road conditions and weather.
That’s why our experts have put together this detailed guide to help you make informed choices about car insurance. It also includes a list of the most affordable car insurance providers in Irving.
Who offers the cheapest car insurance rates in Irving, Texas?
Texas Farm Bureau offers cheap car insurance rates in Irving at an average annual cost of $513 or $43 per month for state minimum coverage and $143 per month for a full coverage policy, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Irving drivers.
| Insurance company | Annual premium |
|---|---|
| Texas Farm Bureau | $1,714 |
| Redpoint Insurance | $1,982 |
| State Farm | $2,437 |
| Auto Club Enterprises (AAA) | $2,680 |
| GEICO | $2,925 |
| Progressive | $3,028 |
| Farmers | $4,526 |
| Allstate | $4,567 |
| USAA | $1,778 |
Average car insurance rates in Irving
Based on our rate analysis, the average cost of car insurance for state minimum coverage in Irving is $725. If you choose liability-only coverage with limits of 50/100/50, you’ll pay $29 more per month or $343 more per year.
For full coverage (100/300/100), you would pay an additional $177 per month or $2,124 more annually. Experts recommend purchasing a full coverage policy as it provides more protection than state minimum and liability-only policies.
| Coverage type | Annual premium |
|---|---|
| State minimum | $725 |
| Liability only (50/100/50) | $1,068 |
| Full coverage (100/300/100, $500 ded.) | $2,849 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $3,258 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $2,568 |
| Non-owners | $488 |
Cheapest rates for drivers in Irving, Texas, by age
Age is a key factor in determining car insurance rates in most cities, including Irving. It’s one of several factors insurers consider when determining premiums.
Teens (ages 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.
Drivers in their 40s, 50s and 60s pay less for their car insurance premiums than teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute (Triple-I), an industry research and outreach organization.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | Redpoint Insurance | $1,982 |
| Young adults (20-24) | Redpoint Insurance | $1,982 |
| Adults (25-60) | Texas Farm Bureau | $1,696 |
| Seniors (65-75) | Texas Farm Bureau | $1,432 |
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Cheapest car insurance rates for Irving drivers after a speeding ticket
Our data shows that Auto Club Enterprises (AAA) has the most affordable car insurance rates for drivers in Irving after a speeding ticket, with an average annual cost of $3,968 or $331 monthly. Progressive and GEICO also offer affordable premiums to drivers with speeding tickets on their records.
Below is a list of car insurance companies that offer affordable rates for Irving drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| Auto Club Enterprises (AAA) | $2,680 | $3,968 | 48% |
| Progressive | $3,028 | $4,101 | 35% |
| GEICO | $2,925 | $4,527 | 55% |
| Farmers | $4,526 | $6,402 | 41% |
| USAA | $1,778 | $2,015 | 13% |
Cheap car insurance for drivers with a DUI in Irving
If you have a DUI on your record in Irving, finding affordable car insurance can be challenging. However, Progressive, State Farm and Auto Club Enterprises (AAA) offer affordable insurance rates for drivers in Irving after a DUI conviction.
The table below lists car insurance companies in Irving that offer affordable coverage for drivers with DUIs.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Progressive | $3,028 | $3,574 | 18% |
| State Farm | $2,437 | $3,829 | 57% |
| Auto Club Enterprises (AAA) | $2,680 | $4,421 | 65% |
| GEICO | $2,925 | $5,039 | 72% |
| Allstate | $4,567 | $7,204 | 58% |
| Farmers | $4,526 | $7,496 | 66% |
| USAA | $1,778 | $2,691 | 51% |
Affordable car insurers for Irving drivers after an at-fault accident
Car insurance rates increase after an at-fault accident in Irving for most drivers. However, some insurers offer affordable premiums to high-risk drivers.
In Irving, State Farm offers the cheapest car insurance for drivers with an at-fault accident on their records. Other insurers that offer affordable premiums are Auto Club Enterprises (AAA) and GEICO.
See the table below to see which insurers offer cheap auto insurance premiums for Irving drivers with an accident on their driving records.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| State Farm | $2,437 | $2,834 | 16% |
| Auto Club Enterprises (AAA) | $2,680 | $4,370 | 63% |
| GEICO | $2,925 | $4,548 | 55% |
| Progressive | $3,028 | $4,759 | 57% |
| Allstate | $4,567 | $7,246 | 59% |
| Farmers | $4,526 | $8,931 | 97% |
| USAA | $1,778 | $2,843 | 60% |
Compare car insurance quotes in Irving: How to save on an insurance policy?
CarInsurance.com’s rate analysis shows that you could save an average of $2,853 per year or $238 per month on a full coverage policy in Irving, Texas, by comparing insurance quotes. Though savings will depend on factors like your location, age and driving record, comparing policies can lead to significant savings.
Final thoughts: Car insurance cost in Irving, Texas
It’s a good idea to shop around and compare insurance quotes when your policy is up for renewal to ensure you get the best car insurance deal. You can maximize your savings by using available discounts, driving a car with excellent safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed January 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed January 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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