The average cost of auto insurance in Irving, Texas is $ 609 for a minimum coverage policy and $ 1,989 for a full coverage policy. Not only is auto insurance a legal requirement at Irving, it also helps protect you and other drivers in the event of an accident. In 2019, there was 3,333 accidents in total reported on Irving roads.
Irving drivers have a number of options when it comes to auto insurance, so we’ve researched the best providers. We compared some of the top Texas auto insurance companies using criteria such as average price, coverage options, and discounts.
Best Auto Insurance Companies in Irving
The best auto insurance companies in Irving are USAA, Geico, State Farm, and Allstate. These providers offer below-average premiums, generous savings opportunities, reliable coverage, and good third-party ratings.
|Insurance company||JD Power Customer Satisfaction Score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|United States||879 / 1,000||$ 475||$ 1,449|
|Geico||832 / 1,000||$ 465||$ 1,469|
|State farm||838 / 1,000||$ 628||$ 1,567|
|Allstate||836 / 1,000||$ 630||$ 1,783|
USAA is one of the top rated auto insurance companies out there. The catch is, you have to be on active duty or a retired military service member to get coverage. Irving drivers who qualify for USAA auto insurance can take advantage of the company’s low rates, excellent customer service, and great discounts.
Thanks to USAA, you may be able to save money on your auto insurance policy by being a safe driver, taking a defensive driving course, being a good student, parking your vehicle on base, or traveling a certain number of kilometers each year. Plus, you can get accident compensation coverage for free after five years.
Learn more: USAA Insurance Review
Geico is known to be one of the cheapest auto insurance companies in the country. On average, Irving drivers pay just $ 465 for a minimum coverage policy and $ 1,469 for a full coverage policy, which is well below the city average.
In addition to affordable rates, Geico also offers a long list of discounts. There are potential savings for federal employees, military personnel, employer / member groups, vehicles with advanced safety features and no prior claims, among others. The only downside is that Geico’s coverage is quite limited when it comes to add-ons.
Learn more: Geico Assurance Review
State Farm is the nation’s largest auto insurance provider, with more than 16% of total market share. With State Farm, Irving drivers can gain access to excellent coverage options and great discounts, as well as highly regarded customer service through its network of 19,000 agents.
One of the main features of State Farm is that it offers two reward programs for safe drivers. Drivers over 25 can enroll in Drive Safe & Save, and drivers under 25 can enroll in the Steer Clear program. Plus, drivers can add a variety of discounts to their policy for even greater savings, such as a generous policy bundle discount. up to 17%.
Learn more: Review of State Agricultural Insurance
Allstate scored slightly below average for overall customer satisfaction in JD Power’s most recent auto insurance study, but we still recommend it to Irving drivers. Allstate offers affordable rates, great discounts, and a variety of optional coverages that make it easy to customize your policy.
Along with the basic full and minimum coverage options, you can also get roadside assistance, new car replacement coverage, accident remission, audio system insurance, and rental reimbursement coverage through Allstate. The company also offers a pay-per-kilometer insurance program, called Milewise, which is a good option for occasional drivers who want a cheaper rate.
Learn more: Allstate Insurance Review
The cheapest auto insurance in Irving
Irving drivers pay higher auto insurance rates than the average Texan. For comparison, the average cost of auto insurance in Texas is $ 1,823 for a full coverage policy and $ 152 for a minimum coverage policy. Plus, the cost of auto insurance in Irving is higher than the US national average rate, which is $ 1,674 for a full coverage policy.
However, Irving’s insurance companies each charge a slightly different rate for auto insurance. Plus, each driver pays a different rate based on factors such as age, credit rating, and claim history. Here are the companies that have the cheapest auto insurance in Irving:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||$ 465||$ 1,469|
|United States||$ 475||$ 1,449|
|At national scale||$ 543||$ 1,409|
|Mercury||$ 611||$ 1,909|
|State farm||$ 628||$ 1,567|
If you are looking for cheap auto insurance in Texas, know that not all businesses are created equal. For example, Nationwide is the cheapest supplier overall, but it has a lower customer satisfaction rating. USAA is one of the top rated companies out there, but you must be an affiliate with the military to get coverage.
In terms of policy options, State Farm and Geico offer somewhat limited coverage, as does USAA. If you want to take advantage of endorsements to customize your coverage, Mercury and Nationwide will be the best options.
One thing that all of these Texas auto insurance providers have is big discounts. Additionally, each company offers its own Safe Driver Reward Program, which can help you earn a lower fare by demonstrating safe driving skills. However, keep in mind that each company offers different discounts with varying savings potential.
Irving Insurance Requirements
Drivers in Irving must purchase auto insurance. Texas auto insurance laws state that drivers are required to have at least Liability insurance 30/60/25, which includes the following covers:
- $ 30,000 in bodily injury coverage per person
- $ 60,000 in accidental bodily injury coverage
- $ 25,000 in accidental property damage coverage
Buying a minimum coverage policy is sometimes the cheapest option, but keep in mind that it might not provide sufficient coverage in the event of a at-fault accident. If you cause an accident and your financial liability exceeds the policy coverage limits, you must pay the difference out of pocket.
Usually, drivers have the option of purchasing a full or minimum coverage policy. However, if you are leasing or financing your vehicle, you will likely need to purchase a full coverage policy until the loan is paid off.
Auto Insurance Discounts in Irving
If you want cheap auto insurance, look for insurance companies that offer discounts that you can take advantage of. Here are some of the most common discounts offered by Irving:
- Discount without complaint: Drivers who have no previous claim on their file can generally benefit from a discount on their auto insurance policy.
- Good student discount: If you are a high school or college student and maintain a minimum GPA, many insurance companies will offer you a lower premium.
- Discount defensive driving course: Drivers who complete an approved defensive driving course often get a slightly lower rate.
- Policy bundle discount: If you bundle your auto and home or tenant insurance policy together, most insurance companies will offer a fairly generous discount.
In addition to these discounts, there are other ways to get a lower auto insurance rate than Irving. One of the most effective ways is to improve your credit score, which makes it less risky to insure. You should also avoid traffic violations and accidents, which can increase your rates.
Frequently Asked Questions
What is the best auto insurance company?
The best auto insurance company varies because it is different for everyone. To find the best supplier, we recommend that you shop around using your personal criteria. You should also get multiple quotes to see which company can offer you the lowest rate.
How much does auto insurance cost in Irving?
In Irving, the average annual cost of auto insurance is $ 609 for a minimum coverage policy and $ 1,989 for a full coverage policy. However, the average premium depends on factors such as your age, zip code, credit score, the amount of coverage you want, the discounts you’re entitled to, and the deductible you choose.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- Liability for bodily injury of $ 100,000 per person
- $ 300,000 liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our sample drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes may be different.