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How much is car insurance in Irving?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in Irving are in line with rates across the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Irving is rather affordable. You can expect to pay about $16 less for your policy in Irving than in the rest of United States.
Bear in mind that while these rates represent the expected monthly payments for drivers in Irving, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But worry not, we've done the heavy lifting and broken down the average rate for Irving to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates start to rise again in Irving.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Irving, however, male and female drivers both pay about the same rate to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Irving with a single accident will pay around $81 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $79.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$63|
In terms of affordable coverage, the cheapest vehicles to insure in Irving are by and large trucks and vans, at $63 per month.
SUV drivers will see rates of about $64 to insure their vehicle, while car owners typically pay around $66 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Irving, the most expensive vehicles to insure are vehicles six-to-seven years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
More often than not, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Irving, with married couples paying about $10 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$100|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $6 a month more than those who own their own home in Irving. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Irving, TX
Recent trends in car insurance for Irving drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Irving declined from 2019-2020, before steadying out in 2021. They finished down in 2022, at $69 a month
How does Irving compare to neighboring areas?
Why are car insurance rates in Irving different from other areas?
There are numerous factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Area crime rates
- Amount of drivers
- Road Safety (total number of local car accidents)
- Off-street parking accessibility
- Community laws
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Irving?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Irving.
Irving Insurance FAQs
What factors affect car insurance quotes in Irving?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Irving different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Irving?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Irving?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Irving or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.