Buy Cheap Irving, TX Auto Insurance in 2024
The cheapest Irving, TX auto insurance is offered by State Farm, although rates will vary based on many factors, including age, ZIP code, and driving record. Drivers in Irving, TX must carry at least the state minimum auto insurance of 30/60/25 in liability coverage. To find the best Irving, TX car insurance, compare quotes from multiple companies online.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company that offers coverage without eligibility requirements in Irving, TX is State Farm
- Irving is part of the larger Dallas-Fort Worth area and sees high amounts of traffic
- Auto insurance rates in Irving, TX are higher than the state average
Irving, TX auto insurance rates are pretty high. But, that’s not surprising since Texas auto insurance rates, in general, are higher than the national average.
The good news is that you can still find affordable Irving, TX auto insurance if you shop around. Compare quotes from multiple companies to find the best deals for you.
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What is the cheapest auto insurance company in Irving, TX?
State Farm offers the lowest average auto insurance rates to all drivers. USAA is actually cheaper but only offers auto insurance coverage to members of the military, veterans, and their families.
These are the top-rated Irving, TX auto insurance companies listed from cheapest to most expensive:
- USAA – $2,721.89
- State Farm – $3,272.27
- Geico – $3,561.33
- Nationwide – $3,966.20
- Progressive – $4,614.58
- Allstate – $5,770.16
- American Family – $6,705.69
Irving, TX is located right outside of the Dallas-Fort Worth area so drivers see those big city auto insurance rates. For example, Irving auto insurance rates are comparable to car insurance in Houston Texas.
It’s also important to note that there are many different factors that affect auto insurance rates. Companies take into account your age, gender, marital status, ZIP code, driving record, and credit history when calculating your rates.
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What auto insurance coverage is required in Irving, TX?
Almost every state, including Texas, requires drivers to carry at least a minimum amount of auto insurance.
The minimum auto insurance requirements in Irving, TX are:
- $30,000 per person and $60,000 per incident for bodily injury liability
- $25,000 per incident for property damage
With the growing cost of health insurance and car prices, you can see that these limits can be exhausted very easily. To reduce out-of-pocket expenses, consider increasing coverage limits.
What affects auto insurance rates in Irving, TX?
Irving drivers have to deal with a lot of traffic as a part of the Dallas-Fort Worth area. This can lead to more accidents and higher auto insurance rates.
Although INRIX doesn’t list data for Irving, it does rank Dallas, TX as the 20th most congested city in the U.S.
In fact, City-Data shows that Irving, TX commuters spend at least 35 minutes in traffic on average. Over 80 percent also choose to drive alone rather than carpool or use public transportation.
Auto theft can also raise auto insurance rates, and the FBI reports that there were 711 motor vehicle thefts in Irving, TX.
Irving, TX Auto Insurance: The Bottom Line
Since auto insurance in the area is pretty expensive, shop around before you buy Irving, TX auto insurance. Compare quotes to find the best coverage at the cheapest price.
Enter your ZIP code now to compare Irving, TX auto insurance rates from multiple companies.
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Frequently Asked Questions
Can I buy cheap auto insurance in Irving, TX in 2023?
Yes, it is possible to find affordable auto insurance in Irving, TX in 2023. However, the cost of insurance depends on various factors such as your driving history, age, type of vehicle, coverage options, and insurance provider.
What steps can I take to find cheap auto insurance in Irving, TX?
To find cheap auto insurance in Irving, TX, consider the following steps:
- Compare quotes from multiple insurance providers to get the best rates.
- Maintain a good driving record with no accidents or traffic violations.
- Opt for higher deductibles, which can lower your premium.
- Bundle your auto insurance policy with other insurance policies, such as home or renters insurance, to potentially get a discount.
- Check for any available discounts offered by insurance companies, such as good student discounts or safe driver discounts.
- Consider driving a car with safety features that may qualify for reduced premiums.
Are there any downsides to buying cheap auto insurance?
While buying cheap auto insurance can save you money in the short term, it’s essential to be aware of potential downsides:
- Cheap insurance policies may provide limited coverage, leaving you vulnerable to higher out-of-pocket expenses in the event of an accident.
- Some cheap insurance providers may have poor customer service or slow claims processing, causing frustration during the claims process.
- Cheap insurance policies may have higher deductibles, which means you’ll have to pay more out of pocket before the coverage kicks in.
- Certain coverage options, such as comprehensive or collision coverage, may be excluded or have lower limits in cheap insurance policies.
What are the advantages of buying auto insurance in Irving, TX?
Some advantages of buying auto insurance in Irving, TX include:
- Compliance with state laws: Texas law requires drivers to carry auto insurance, so having coverage ensures you meet legal obligations.
- Financial protection: Auto insurance provides financial coverage for damages or injuries resulting from accidents, protecting you from significant expenses.
- Peace of mind: Having auto insurance gives you peace of mind knowing that you have coverage in case of unforeseen circumstances.
- Additional benefits: Some insurance policies may offer additional benefits like roadside assistance or rental car reimbursement, providing extra value.
Are there any specific insurance providers in Irving, TX that offer cheap auto insurance?
There are several insurance providers in Irving, TX that offer competitive rates for auto insurance. It’s recommended to obtain quotes from multiple companies and compare them to find the best deal for your specific circumstances. Some well-known insurance providers in Texas include State Farm, GEICO, Progressive, Allstate, and Farmers Insurance, among others.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.