Best Auto Insurance Rates in Irving, Texas

On average, your neighbors pay $77 a month.

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Compare Auto Insurance in Irving

Monday, January 7 2019 By QuoteWizard

Irving, Texas is unique because of how many companies are headquartered there, such as Chuck E. Cheese’s, ExxonMobil, Kimberly-Clark, La Quinta, Michael’s Stores, as well as a number of manufacturing and financial companies. The Boy Scouts are also based in Irving, as well as Nokia America and BlackBerry America. So, it’s clear that Irving residents work hard, playing a pivotal role in the American economy. For all their hard work, they deserve cheap car insurance rates.

Average Irving Car Insurance Rates

How much is car insurance in Irving, TX? Residents shouldn't be surprised that car insurance rates here are higher than the national average. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices may vary depending on your limits, coverage, and the number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard helps consumers compare quotes from national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Irving, Texas and save up to 40% on your premium.

Last year, 5,647 people used QuoteWizard to compare auto insurance quotes in Irving, TX from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Irving, TX

These were the most common car insurance companies reported by QuoteWizard users living in Irving, Texas last year. 1,007 users were uninsured when they requested a quote.

  1. GEICO
  2. Allstate
  3. State Farm
  4. Progressive
  5. Farmers
  6. Liberty Mutual
  7. Nationwide
  8. AAA
  9. Esurance
  10. AIG

Other popular Irving, Texas car insurance companies: MetLife, Safeco, USAA, American Family, Country Financial, Hartford, Texas Farm Bureau, 21st Century, and Infinity.

Top 10 Vehicles

These are the most common car makes and models owned by Irving, TX drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Ford F150
  3. Nissan Altima 2.5 S
  4. Toyota Camry LE/XLE/SE
  5. Chevrolet Impala
  6. Ford Mustang
  7. Honda CR-V EX
  8. Honda Civic LX
  9. Ford Taurus SE
  10. Toyota Corolla S/LE

Minimum Car Insurance Requirements in Irving, TX

Irving, Texas has a minimum coverage requirement known as the 30/60/25 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance carrier will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The total amount your insurer will pay for property damage caused by a car accident.

Irving Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Irving ranked 166th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 7.2 years.

Of the 5,647 Irving drivers that used QuoteWizard to request quotes last year, 349 said they had incidents on their driving records.

Driving Conditions

Several factors affecting your insurance rates are the weather, driving, and road conditions.

Weather

Irving's climate is humid subtropical with weather that's hot and humid in the summer, with cool but not bitterly cold winters. May is the wettest month and spring storms can be severe bringing lots of rain, creating slick driving conditions and flooding.

Road Conditions

TRIP reports that 40% of the major roads in the DFW-Arlington metro area, which includes Irving, are in poor condition with another 44% rated mediocre. The increasing number of potholes is especially troubling because of the damage they can cause, some of which is severe enough to warrant an insurance claim. According to TRIP, the poor condition of city streets costs local drivers an additional $1,740 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

Irving is ranked together with Dallas as having the 34th worst traffic congestion in the United States. An average driver spends an extra 23 minutes per hour stuck in traffic for every 60 minutes spent commuting during peak hour and an extra 90 hours a year for commutes lasting 30 minutes.

In another study, the Texas A&M Transportation Institute (TTI) ranked Dallas-Irving 11th in the nation for yearly delay per commuter. According to the TTI study, residents spend an extra 53 hours a year stuck in traffic congestion and waste 22 gallons of fuel annually. The total cost per commuter is estimated by the TTI to be $1,185 per year.

Moving Violations

Moving violations like drunk driving, speeding, and running a red light can quickly drive up your insurance rates. When you get a ticket, it goes on your driving record. If you get too many points on your record, your insurance carrier doesn't like it. They could even change your status to non-preferred and make you buy a non-standard, high-risk car insurance policy.

Traffic Tickets

The City of Irving Municipal Court website allows you to pay traffic citations, tells drivers how to contest tickets, request defensive driving courses, and provides helpful traffic court information.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and we will connect you with local agents from top companies that specialize in Irving DWI insurance.

DWI Crashes and Injuries

Irving reported 221 crashes involving alcohol or drugs in 2017. These accidents involving impaired drivers caused 136 injuries and five fatalities.

Car Accident Statistics

Irving officials reported 3,300 car crashes in 2017. These crashes resulted in 2,394 injuries, 64 of them serious.

Traffic Fatalities

Irving experienced 11 fatal motor vehicle crashes resulting in 11 deaths in 2017. All traffic deaths are a tragic loss, and considering Irving’s estimated population of 240,373, this ranks among the nation's worst cities in terms of traffic fatalities per capita.

Vehicle Theft Rates

Irving reported 739 vehicle thefts in 2017. This is a rate of 3.07 per 1,000 residents.

Car Insurance Discounts

Are you looking for more affordable car insurance? Discounts are one of the best ways to lower your rates. Below are a few of the car insurance discounts available to drivers in Irving, TX.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  2. Are you married or getting married soon? Some insurers offer a discount to married couples
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  5. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  6. Drive less. Live close to work to get the low mileage discount

Sources:

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