CarInsurance.com Insights
- According to a CarInsurance.com study, Texas Farm Bureau and State Farm rank among the cheapest car insurance providers in Irving, offering insurance for $513 and $608, respectively, per year for a state minimum policy.
- Comparing car insurance quotes from different insurance companies can help you save an average of $2,853 per year on your car insurance policy.
- For drivers with a speeding violation, Auto Club Enterprises (AAA) offers the most affordable full coverage car insurance in Irving, averaging $3,968 per year.
- Progressive is among the most affordable car insurance providers for drivers with a DUI in Irving, with an average annual full coverage cost of $3,574.
According to a detailed data analysis, Texas Farm Bureau, Redpoint Insurance and State Farm provide cheap car insurance rates for drivers in Irving, Texas for a full coverage policy.
In Irving, an adult with a clean driving record and good insurance score typically pays $725 per year for a state minimum car insurance policy and expect to pay $2,849 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies 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
Auto Club Enterprises (AAA) offers the most affordable car insurance rates for drivers in Irving following a speeding ticket, at an average annual cost of $3,968 or $331 per month for full coverage.
Progressive and GEICO also offer cheap insurance rates after a speeding ticket.
Find below the car insurance companies with affordable insurance rates for Irving drivers with a speeding ticket.
| 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’re a driver with a DUI in Irving, finding affordable car insurance can be challenging. However, Progressive, State Farm and Auto Club Enterprises (AAA) offer cheap car insurance rates for drivers in Irving after a DUI conviction.
The table below lists affordable car insurance companies in Irving that offer coverage to individuals with a DUI.
| 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
Dealing with an at-fault accident on your record in Irving can be stressful, especially when it impacts your car insurance rates. However, you can find affordable premiums by shopping around. In Irving, State Farm offers the cheapest premiums for drivers with an at-fault accident.
The table below will help you find affordable car insurance rates in Irving if you have an at-fault accident on your record.
| 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?
By comparing car insurance quotes, you could save an average of $2,853 per year or $238 per month on a full coverage policy in Irving, Texas, according to CarInsurance.com’s rate analysis. While your savings will vary based on factors like location, age and driving history, this shows how much you can benefit from shopping around and comparing quotes.
Expert’s take on getting car insurance in Irving
Shopping for a new auto insurance policy at renewal time is the best way to ensure you have the cheapest car insurance in Irving, Texas. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.
Resources and methodology
Sources
- Centers for Disease Control and Prevention. ‘Teen drivers.’ Accessed March 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed March 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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