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How much is car insurance in Irving?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Irving as it is in the rest of Texas.
When stacked up against the national average, the average monthly policy payment for Irving is more affordable. Auto insurance coverage in Irving is about $15 cheaper than it is for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Irving, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Irving and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Irving Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may start to rise again in Irving.
Irving Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. Male and female drivers in Irving, however, both pay around $65 a month to insure their car.
Irving 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 much lower rates than those with infractions. In Irving, a driving record with one accident will usually get you a rate around $81 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $79.
Irving Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$63|
In Irving, the cheapest vehicles to insure are usually SUVs, with drivers paying around $63 per month for auto insurance coverage.
Car owners will see rates of about $66, while truck and van owners by and large pay around $64 per month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Irving, vehicles six-to-seven years old and eight-to-ten years old are the most expensive to insure.
Irving Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
More often than not, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Irving is about $10 a month, with married couples paying less for coverage than single drivers.
Irving Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$99|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Irving, expect to pay around $5 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Irving, TX
Recent trends in car insurance for Irving drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for auto insurance in Irving dropped from 2019-2020, before leveling out in 2021. They finished down in 2022, at $66 a month
How does Irving compare to neighboring areas?
Why are car insurance rates in Irving different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Off-street parking accessibility
- Local crime rates
- Regional laws
- Road Safety (frequency of car accidents)
- Number of drivers in the community
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing 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 put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Irving.
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Irving Auto Insurance FAQs
What factors affect car insurance quotes in Irving?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Irving different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Irving?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Irving?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Irving or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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