Cheap Car Insurance in Irving, Texas (With 2021 Rates)

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Home » Car insurance » Texas » Cheap Car Insurance Irving

Lowest Premium

$400 / YEAR

Average Premium

$591 / YEAR

Highest Premium

$731 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Irving is around $591 and can go upto $731. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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Find affordable car insurance in your city

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Irving by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Irving. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
75014$597
75038$583
75039$577
75060$608
75062$574
75063$580

Insurance Agents in Irving, TX and Near by

  • 1.03 mi
    Optimum Financial Coverage
    800 W Airport Fwy Ste 1100, Irving, TX 75062
    (972) 445-4151
  • 1.03 mi
    Fariba Kirk
    800 W Airport Fwy Ste 1100, Irving, TX 75062
    (972) 445-4168
  • 1.03 mi
    Mainstay Financial Group
    800 W Airport Fwy Ste 1100, Irving, TX 75062
    (972) 778-8201
  • 1.03 mi
    Mas Insurance
    800 W Airport Fwy Ste 1015, Irving, TX 75062
    (214) 441-3221
  • 1.03 mi
    Tiffany Anthony
    800 W Airport Fwy Ste 1100, Irving, TX 75062
    (817) 323-9625
  • 1.03 mi
    Baja Auto Insurance
    1221 W Airport Fwy Ste 109, Irving, TX 75062
    (972) 426-5066
  • 1.03 mi
    Farmers Insurance Group
    1221 W Airport Fwy Ste 209, Irving, TX 75062
    (972) 870-5612
  • 1.03 mi
    Lalit Pun
    2700 N O Connor Rd Ste 138, Irving, TX 75062
    (972) 887-3371
  • 1.03 mi
    A-Max Auto Insurance
    2326 W Airport Fwy, Irving, TX 75062
    (972) 255-1994
  • 1.03 mi
    Insurance Team One
    2311 Texas Dr Ste 100, Irving, TX 75062
    (972) 252-9999
  • 1.03 mi
    Davidson Insurance Agency
    2908 Warren Cir, Irving, TX 75062
    (972) 255-9333
  • 1.03 mi
    Imee C Jackson Agency
    2121 W Airport Fwy Ste 103, Irving, TX 75062
    (972) 514-1066
  • 1.03 mi
    Essential Insurance Concepts
    2940 N O Connor Rd Ste 120, Irving, TX 75062
    (469) 647-4020
  • 1.03 mi
    Freeway Insurance
    2815 N Macarthur Blvd, Irving, TX 75062
    (972) 426-5079
  • 1.03 mi
    Key Insurance Agency
    2940 N O Connor Rd, Irving, TX 75062
    (972) 438-3270
  • 1.03 mi
    Yousaf Alvi
    2205 N Story Rd, Irving, TX 75062
    (972) 870-7444
  • 1.03 mi
    Lyndon Taylor
    2912 N Macarthur Blvd Ste 100, Irving, TX 75062
    (972) 252-5584
  • 1.03 mi
    Stancoff Insurance Agency
    3105 Wingren Rd, Irving, TX 75062
    (972) 255-4062
  • 1.03 mi
    Brandon Walters
    3626 N Macarthur Blvd Ste 230, Irving, TX 75062
    (972) 255-2635
  • 1.03 mi
    Statewide Insurance Agency
    3321 N Story Rd, Irving, TX 75062
    (972) 252-3000
  • 1.03 mi
    Jonathan Jackson
    3401 W Airport Fwy Ste 222, Irving, TX 75062
    (972) 579-0987
  • 1.03 mi
    Acura Universal Service
    2536 N Belt Line Rd, Irving, TX 75062
    (972) 261-1332
  • 1.03 mi
    Andrew Mixon
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (469) 500-5015
  • 1.03 mi
    Ashlee McRae
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (972) 230-5666
  • 1.03 mi
    Caleb Callahan
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (214) 226-1193
  • 1.03 mi
    Cindy Hidrogo
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (682) 308-7629
  • 1.03 mi
    Eric Choi
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (972) 971-2890
  • 1.03 mi
    Jessica Mendoza
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (469) 910-0303
  • 1.03 mi
    Mark Stevens
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (214) 783-1527
  • 1.03 mi
    Nicole Neubert
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (469) 475-8518
  • 1.03 mi
    Sreekumar Cheerath
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (469) 573-4757
  • 1.03 mi
    Stephen Leverett
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (325) 428-8918
  • 1.03 mi
    Taraney Ephraim-Surrell
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (469) 399-7300
  • 1.03 mi
    Vicente Caballero
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (972) 805-7258
  • 1.03 mi
    Fernando Lewis
    320 Decker Dr Fl 1, Irving, TX 75062
    (972) 978-1491
  • 1.03 mi
    Sound Ventures
    545 E John Carpenter Fwy Ste 300, Irving, TX 75062
    (214) 449-0472
  • 1.03 mi
    Global Financial & Insurance Services
    300 Decker Dr Ste 320, Irving, TX 75062
    (972) 812-5410
  • 1.03 mi
    Fiesta Auto Insurance
    2940 N Belt Line Rd, Irving, TX 75062
    (972) 957-7520
  • 1.03 mi
    Rick White
    3018 N Belt Line Rd, Irving, TX 75062
    (972) 255-0540
  • 1.03 mi
    Total Coverage Insurance
    105 Decker Ct Ste 140, Irving, TX 75062
    (972) 986-0224
  • 1.03 mi
    Argel Flores
    2806 N O Connor Rd, Irving, TX 75062
    (972) 659-9933
  • 1.03 mi
    John Moore
    3317 Finley Rd Ste 114, Irving, TX 75062
    (972) 871-2979
  • 1.03 mi
    Barbara Schmidt
    4835 N O Connor Rd Ste 204, Irving, TX 75062
    (972) 717-1516
  • 1.03 mi
    Imperial Insurance Services
    3500 N Belt Line Rd Ste 130, Irving, TX 75062
    (972) 258-9453
  • 1.03 mi
    Alex Long
    3435 N Belt Line Rd Ste 119, Irving, TX 75062
    (972) 570-7000
  • 1.03 mi
    Mohammed Pida
    3455 N Belt Line Rd Ste 109, Irving, TX 75062
    (214) 441-3090
  • 1.03 mi
    Texas Insurance Advisors
    3585 N Belt Line Rd, Irving, TX 75062
    (972) 256-1800
  • 1.03 mi
    Don Corder
    4425 W Airport Fwy Ste 470, Irving, TX 75062
    (972) 594-0102
  • 1.03 mi
    Hawk's Bay Insurance Group
    4425 W Airport Fwy Ste 310, Irving, TX 75062
    (972) 332-0549
  • 1.03 mi
    Patrick Raines Insurance
    4425 W Airport Fwy Ste 305, Irving, TX 75062
    (972) 255-6886
  • 1.03 mi
    Raines & Bryant Nationwide Insurance
    4425 W Airport Fwy Ste 305, Irving, TX 75062
    (972) 722-7497
  • 1.03 mi
    Wes Norwood
    2300 Valley View Ln Ste 618, Irving, TX 75062
    (972) 756-0065
  • 1.03 mi
    Zoom Insurance
    2300 Valley View Ln Ste 1005, Irving, TX 75062
    (214) 239-1609
  • 1.03 mi
    Ghulam Abbas
    2300 Valley View Ln Ste 405, Irving, TX 75062
    (972) 812-0786
  • 1.03 mi
    Abbco Insurance Underwriters
    2300 Valley View Ln Ste 213, Irving, TX 75062
    (214) 557-1485
  • 1.03 mi
    JLC Insurance Solutions
    2300 Valley View Ln Ste 901, Irving, TX 75062
    (817) 500-0302
  • 2.02 mi
    Clarence Saunders
    3715 N Belt Line Rd, Irving, TX 75038
    (972) 594-5200
  • 2.02 mi
    Tony Johnson
    2216 W Walnut Hill Ln, Irving, TX 75038
    (972) 468-8366
  • 2.02 mi
    Nelson Insurance Agency
    3979 N Belt Line Rd, Irving, TX 75038
    (972) 499-4232
  • 2.02 mi
    Adrian Howard
    4070 N Belt Line Rd Ste 116, Irving, TX 75038
    (972) 252-7467
  • 2.02 mi
    TWFG Insurance Services - Herb Turner
    1825 W Walnut Hill Ln Ste 120, Irving, TX 75038
    (972) 239-6444
  • 2.02 mi
    Malik Hayat
    4322 N Belt Line Rd Ste B210, Irving, TX 75038
    (214) 643-6857
  • 2.02 mi
    Larry Dodson
    5439 N Macarthur Blvd, Irving, TX 75038
    (972) 580-0333
  • 2.02 mi
    Dana Lundquist
    1200 W Walnut Hill Ln Ste 1050, Irving, TX 75038
    (972) 255-4306
  • 2.02 mi
    Vickie Lundquist
    1200 W Walnut Hill Ln Ste 1050, Irving, TX 75038
    (972) 257-1776
  • 2.02 mi
    IBTX Risk Services
    6363 N Highway 161 Ste 100, Irving, TX 75038
    (214) 989-7100
  • 2.02 mi
    Alejandra Rios
    5605 N Macarthur Blvd Ste 1000, Irving, TX 75038
    (972) 655-4089
  • 2.02 mi
    Alfred Walker
    5605 N Macarthur Blvd Ste 1000, Irving, TX 75038
    (214) 701-5245
  • 2.02 mi
    Goosehead Insurance - Justin Wiggains
    5605 N Macarthur Blvd Ste 1007, Irving, TX 75038
    (972) 861-2001
  • 2.02 mi
    Karen Santillan
    5605 N Macarthur Blvd Ste 1000, Irving, TX 75038
    (972) 893-3250
  • 2.02 mi
    Sylvia Taylor
    5605 N Macarthur Blvd Ste 1000, Irving, TX 75038
    (214) 402-2775
  • 2.02 mi
    Jonathan Russell
    1333 Corporate Dr Ste 270, Irving, TX 75038
    (972) 756-9090
  • 2.02 mi
    Transport Insurance Agency
    5615 High Point Dr Ste 750, Irving, TX 75038
    (972) 501-8365
  • 2.02 mi
    Christopher Fisher
    1320 Greenway Dr Ste 755, Irving, TX 75038
    (817) 917-3209
  • 2.02 mi
    Donna Austin
    1320 Greenway Dr Ste 755, Irving, TX 75038
    (469) 297-6330
  • 2.02 mi
    Rebecca Johnson
    1320 Greenway Dr Ste 755, Irving, TX 75038
    (469) 396-4673
  • 2.02 mi
    Amber Bigham
    1320 Greenway Dr Ste 755, Irving, TX 75038
    (940) 435-5242
  • 2.02 mi
    Andrew Fitzpatrick
    1320 Greenway Dr Ste 755, Irving, TX 75038
    (817) 319-2240
  • 2.02 mi
    Clay Paul Group
    1320 Greenway Dr Ste 640, Irving, TX 75038
    (817) 656-2320
  • 2.02 mi
    Setra Stevenson
    1320 Greenway Dr Ste 755, Irving, TX 75038
    (469) 221-9178
  • 2.02 mi
    Tommy Chavez
    1320 Greenway Dr Ste 755, Irving, TX 75038
    (817) 944-2233
  • 2.02 mi
    Preferred Personal Insurance Agency
    1431 Greenway Dr Ste 145, Irving, TX 75038
    (972) 871-2010
  • 2.2 mi
    Delaney Landin
    133 N Macarthur Blvd, Irving, TX 75061
    (972) 259-8534
  • 2.2 mi
    Sandi Brown
    717 N Macarthur Blvd, Irving, TX 75061
    (972) 253-9557
  • 2.2 mi
    Mi Pueblo Services
    927 E Pioneer Dr, Irving, TX 75061
    (972) 445-1243
  • 2.2 mi
    Nepa Insurance
    307 N Rogers Rd Ste 100, Irving, TX 75061
    (972) 232-9605
  • 2.2 mi
    Margarita Cardenas
    1425 W Pioneer Dr Ste 204, Irving, TX 75061
    (214) 901-1777
  • 2.2 mi
    Maria Fernandez
    1634 W Irving Blvd Ste A, Irving, TX 75061
    (972) 253-1711
  • 2.2 mi
    Gary Gilliam
    920 E Grauwyler Rd, Irving, TX 75061
    (972) 438-3540
  • 2.2 mi
    Romero Insurance Agency
    1770 W Irving Blvd Ste 6, Irving, TX 75061
    (972) 259-1220
  • 2.2 mi
    Amador Insurance
    321 N Story Rd, Irving, TX 75061
    (972) 513-9700
  • 2.2 mi
    Munoz Insurance
    2021 W Irving Blvd, Irving, TX 75061
    (469) 258-9719
  • 2.2 mi
    Excellent Service Insurance Agency
    612 N Story Rd Ste 108, Irving, TX 75061
    (972) 790-1929
  • 2.2 mi
    Reyes General Services
    1417 E Grauwyler Rd, Irving, TX 75061
    (972) 438-1059
  • 2.2 mi
    Fiesta Auto Insurance
    1420 N Story Rd, Irving, TX 75061
    (972) 514-1527
  • 2.2 mi
    Valdez Financial Services
    614 Plymouth Park, Irving, TX 75061
    (972) 986-1020
  • 2.2 mi
    Mohammad Sheikh
    1625 N Story Rd Ste 130, Irving, TX 75061
    (972) 986-1906
  • 2.2 mi
    Kameren De Sean Nelson
    1625 N Story Rd Ste 126, Irving, TX 75061
    (214) 441-0349
  • 2.2 mi
    Atlas Auto Insurance
    1810 N Story Rd Ste 200, Irving, TX 75061
    (972) 215-0575
  • 2.2 mi
    Y. Martinez Insurance Agency
    1735 N Story Rd Ste 176, Irving, TX 75061
    (972) 721-7231
  • 2.2 mi
    Monzon Auto Enterprises
    3004 W Pioneer Dr, Irving, TX 75061
    (972) 313-7067
  • 2.2 mi
    A Zillion Services
    813 N Belt Line Rd, Irving, TX 75061
    (972) 313-2072
  • 2.2 mi
    Baby Uthup
    837 N Belt Line Rd, Irving, TX 75061
    (972) 313-3600
  • 2.2 mi
    Americhoice Insurance Agency
    1335 N Belt Line Rd Ste 10, Irving, TX 75061
    (972) 986-5323
  • 2.2 mi
    Avanti Insurance Agency
    1425 N Belt Line Rd, Irving, TX 75061
    (972) 514-0100
  • 2.2 mi
    Maria Bustillo
    3620 W Pioneer Dr Ste 111, Irving, TX 75061
    (972) 916-9998
  • 2.2 mi
    Quality Insurance
    1800 N Belt Line Rd Ste 105, Irving, TX 75061
    (972) 790-2221
  • 2.2 mi
    City Auto Insurance
    4243 W Pioneer Dr Ste 130, Irving, TX 75061
    (972) 986-2489
  • 2.58 mi
    Brittany Jordan
    319 Las Colinas Blvd E, Irving, TX 75039
    (214) 675-8897
  • 2.58 mi
    Derrick McKee
    851 Lake Carolyn Pkwy Ste 140, Irving, TX 75039
    (972) 910-0405
  • 2.58 mi
    Terrance Hutchins
    851 Lake Carolyn Pkwy Ste 140, Irving, TX 75039
    (469) 388-2921
  • 2.58 mi
    Goosehead Insurance - Lynn Peters
    5201 N O'connor Boulevard Suite 100-b, Irving, TX 75039
    (972) 689-4569
  • 2.58 mi
    Darryl Henderson
    1000 Lake Carolyn Pkwy Apt 2105, Irving, TX 75039
    (972) 977-5172
  • 2.58 mi
    State Farm Insurance - Linda DeSpain Agency
    1030 W John Carpenter Fwy Ste 150, Irving, TX 75039
    (469) 586-4244
  • 2.58 mi
    Bill Hooten
    400 E Royal Ln Ste 211, Irving, TX 75039
    (972) 409-9940
  • 2.58 mi
    Goosehead Insurance - Dallas Office
    100 E Royal Ln Ste 320, Irving, TX 75039
    (214) 838-5500
  • 2.58 mi
    Luc Nguyen
    300 E Royal Ln Ste 118, Irving, TX 75039
    (972) 607-4182
  • 2.58 mi
    Summit Alliance Insurance Advisors
    300 E Royal Ln Ste 280, Irving, TX 75039
    (817) 484-6669
  • 2.58 mi
    Liberty Mutual Agency
    6565 N Macarthur Blvd Ste 100, Irving, TX 75039
    (972) 556-2339
  • 2.58 mi
    Team Pryor Group
    6565 N Macarthur Blvd Ste 225, Irving, TX 75039
    (214) 624-5222
  • 2.58 mi
    Alliance Property & Casualty
    6565 N Macarthur Blvd Ste 225, Irving, TX 75039
    (214) 272-2993
  • 2.58 mi
    Ron Mathai
    7301 State Highway 161 Ste 220, Irving, TX 75039
    (469) 779-8003
  • 2.58 mi
    Central Inusurance Companies
    7301 State Highway 161 Ste 320, Irving, TX 75039
    (972) 401-3400
  • 4.35 mi
    Marcelo M Campon Agency
    310 W 2nd St, Irving, TX 75060
    (972) 251-2882
  • 4.35 mi
    William W. Gonsiorek
    312 W 2nd St Ste A, Irving, TX 75060
    (972) 313-3611
  • 4.35 mi
    Kerri Miene
    210 S O Connor Rd, Irving, TX 75060
    (972) 253-1966
  • 4.35 mi
    McKinley Insurance Agency
    128 E 2nd St, Irving, TX 75060
    (972) 790-0156
  • 4.35 mi
    John Matthew Acosta
    623 E Irving Blvd, Irving, TX 75060
    (972) 554-7998
  • 4.35 mi
    Baja Auto Insurance
    508 S Macarthur Blvd, Irving, TX 75060
    (972) 426-5067
  • 4.35 mi
    Altima Auto Insurance
    967 E Irving Blvd, Irving, TX 75060
    (469) 212-0398
  • 4.35 mi
    Carnaval Auto Insurance
    112 E Shady Grove Rd, Irving, TX 75060
    (469) 524-0884
  • 4.35 mi
    Glen Wright Insurance Agency
    1529 Irvin Rd, Irving, TX 75060
    (972) 986-6269
  • 4.35 mi
    Claudia Salas
    2335 W Shady Grove Rd Ste 100a, Irving, TX 75060
    (972) 790-4000
  • 4.35 mi
    Prosperity Eagle Insurance
    2023 E State Highway 356, Irving, TX 75060
    (214) 596-0058
  • 4.44 mi
    Eric Douglas
    6210 N Belt Line Rd Ste 115, Irving, TX 75063
    (469) 270-3000
  • 4.44 mi
    Umer Usman
    7600 N Macarthur Blvd Ste 105, Irving, TX 75063
    (972) 869-4280
  • 4.44 mi
    Supriya Harris
    1135 Kinwest Pkwy Ste 150, Irving, TX 75063
    (469) 351-7013
  • 4.44 mi
    AAA Insurance
    941 Macarthur Park Ste 100, Irving, TX 75063
    (972) 444-7800
  • 4.44 mi
    Connect Insurance Agency
    7700 Brookview Ct, Irving, TX 75063
    (817) 368-9456
  • 4.44 mi
    North American Advantage Insurance Services
    1707 Market Pl Ste 100, Irving, TX 75063
    (877) 628-6060
  • 4.44 mi
    Dan Garber
    8251 N Belt Line Rd Ste 120, Irving, TX 75063
    (972) 621-1115
  • 4.44 mi
    Brandon Walters
    9901 Vly Rnch Pkwy E # 2065, Irving, TX 75063
    (972) 255-5705
  • 4.44 mi
    Charles George
    8615 Freeport Pkwy Ste 175, Irving, TX 75063
    (469) 636-9489
  • 4.44 mi
    Joshua Brosin
    8675 Freeport Pkwy Bldg E1, Irving, TX 75063
    (972) 915-6099
  • 4.44 mi
    Mohammed Hassan
    8675 Freeport Pkwy # 1m, Irving, TX 75063
    (972) 338-3454
  • 4.44 mi
    PCL Insurance Agency
    8615 Freeport Pkwy Ste 155, Irving, TX 75063
    (972) 459-4749
View all agents ↓

Learn More About Car Insurance in Irving, TX

Population

238 K

Total Crashes

3757

Persons Injured

3685

Irving has lower car insurance rates when compared to Dallas. The cheaper premium rates caused by low crash rates in the city roads.

You don't have to wait in long queue to pay the parking ticket. Irving city offers a facility to pay them online at the portal https://www.municipalonlinepayments.com/irvingtx

The city offers an Emergency Notification System to the residents which alert the public about any life-threatening situations in the locality. You can subscribe to the system to get alerts on road closures, crime alerts, power outages etc. Register for this service through the portal http://www.ci.irving.tx.us/2408/Get-iAlert

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered24,527,939
Total uninsured motorists14.1%
Estimated economic loss of all vehicle crashes$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

  • Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
  • Collision covers for the expenses on your car caused by accident.
  • Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
  • Medical payments cover your's and your passenger's medical bills
  • Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
  • Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
  • Towing and labor covers for the pay for towing your car and labor cost.
  • Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.