Cheap Car Insurance in Irving, Texas ( With 2024 Rates)

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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.

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.

Company	Annual premium (50/100/50)	Market share	Complaints
Geico	$350	6.00% ($1,151,485,019)	1
Farmers	$385	7.98% ($1,530,613,603)	2
State Farm	$390	16.03% ($3,074,590,659)	119
Allstate	$495	7.38% ($1,416,050,038)	4
Liberty Mutual	$550	4.36% ($836,938,040)	64
Progressive	$660	8.75% ($1,678,264,745)	0

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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.

Zip	Avg. 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

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1.03 mi

Fariba Kirk

800 W Airport Fwy Ste 1100, Irving, TX 75062

(972) 445-4168

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1.03 mi

Mainstay Financial Group

800 W Airport Fwy Ste 1100, Irving, TX 75062

(972) 778-8201

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1.03 mi

Mas Insurance

800 W Airport Fwy Ste 1015, Irving, TX 75062

(214) 441-3221

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1.03 mi

Tiffany Anthony

800 W Airport Fwy Ste 1100, Irving, TX 75062

(817) 323-9625

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1.03 mi

Baja Auto Insurance

1221 W Airport Fwy Ste 109, Irving, TX 75062

(972) 426-5066

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1.03 mi

Farmers Insurance Group

1221 W Airport Fwy Ste 209, Irving, TX 75062

(972) 870-5612

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1.03 mi

Lalit Pun

2700 N O Connor Rd Ste 138, Irving, TX 75062

(972) 887-3371

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1.03 mi

A-Max Auto Insurance

2326 W Airport Fwy, Irving, TX 75062

(972) 255-1994

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1.03 mi

Insurance Team One

2311 Texas Dr Ste 100, Irving, TX 75062

(972) 252-9999

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1.03 mi

Davidson Insurance Agency

2908 Warren Cir, Irving, TX 75062

(972) 255-9333

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1.03 mi

Imee C Jackson Agency

2121 W Airport Fwy Ste 103, Irving, TX 75062

(972) 514-1066

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1.03 mi

Essential Insurance Concepts

2940 N O Connor Rd Ste 120, Irving, TX 75062

(469) 647-4020

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1.03 mi

Freeway Insurance

2815 N Macarthur Blvd, Irving, TX 75062

(972) 426-5079

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1.03 mi

Key Insurance Agency

2940 N O Connor Rd, Irving, TX 75062

(972) 438-3270

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1.03 mi

Yousaf Alvi

2205 N Story Rd, Irving, TX 75062

(972) 870-7444

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1.03 mi

Lyndon Taylor

2912 N Macarthur Blvd Ste 100, Irving, TX 75062

(972) 252-5584

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1.03 mi

Stancoff Insurance Agency

3105 Wingren Rd, Irving, TX 75062

(972) 255-4062

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1.03 mi

Brandon Walters

3626 N Macarthur Blvd Ste 230, Irving, TX 75062

(972) 255-2635

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1.03 mi

Statewide Insurance Agency

3321 N Story Rd, Irving, TX 75062

(972) 252-3000

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1.03 mi

Jonathan Jackson

3401 W Airport Fwy Ste 222, Irving, TX 75062

(972) 579-0987

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1.03 mi

Acura Universal Service

2536 N Belt Line Rd, Irving, TX 75062

(972) 261-1332

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1.03 mi

Andrew Mixon

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(469) 500-5015

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1.03 mi

Ashlee McRae

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(972) 230-5666

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1.03 mi

Caleb Callahan

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(214) 226-1193

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1.03 mi

Cindy Hidrogo

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(682) 308-7629

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1.03 mi

Eric Choi

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(972) 971-2890

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1.03 mi

Jessica Mendoza

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(469) 910-0303

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1.03 mi

Mark Stevens

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(214) 783-1527

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1.03 mi

Nicole Neubert

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(469) 475-8518

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1.03 mi

Sreekumar Cheerath

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(469) 573-4757

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1.03 mi

Stephen Leverett

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(325) 428-8918

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1.03 mi

Taraney Ephraim-Surrell

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(469) 399-7300

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1.03 mi

Vicente Caballero

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(972) 805-7258

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1.03 mi

Fernando Lewis

320 Decker Dr Fl 1, Irving, TX 75062

(972) 978-1491

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1.03 mi

Sound Ventures

545 E John Carpenter Fwy Ste 300, Irving, TX 75062

(214) 449-0472

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1.03 mi

Global Financial & Insurance Services

300 Decker Dr Ste 320, Irving, TX 75062

(972) 812-5410

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1.03 mi

Fiesta Auto Insurance

2940 N Belt Line Rd, Irving, TX 75062

(972) 957-7520

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1.03 mi

Rick White

3018 N Belt Line Rd, Irving, TX 75062

(972) 255-0540

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1.03 mi

Total Coverage Insurance

105 Decker Ct Ste 140, Irving, TX 75062

(972) 986-0224

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1.03 mi

Argel Flores

2806 N O Connor Rd, Irving, TX 75062

(972) 659-9933

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1.03 mi

John Moore

3317 Finley Rd Ste 114, Irving, TX 75062

(972) 871-2979

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1.03 mi

Barbara Schmidt

4835 N O Connor Rd Ste 204, Irving, TX 75062

(972) 717-1516

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1.03 mi

Imperial Insurance Services

3500 N Belt Line Rd Ste 130, Irving, TX 75062

(972) 258-9453

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1.03 mi

Alex Long

3435 N Belt Line Rd Ste 119, Irving, TX 75062

(972) 570-7000

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1.03 mi

Mohammed Pida

3455 N Belt Line Rd Ste 109, Irving, TX 75062

(214) 441-3090

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1.03 mi

Texas Insurance Advisors

3585 N Belt Line Rd, Irving, TX 75062

(972) 256-1800

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1.03 mi

Don Corder

4425 W Airport Fwy Ste 470, Irving, TX 75062

(972) 594-0102

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1.03 mi

Hawk's Bay Insurance Group

4425 W Airport Fwy Ste 310, Irving, TX 75062

(972) 332-0549

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1.03 mi

Patrick Raines Insurance

4425 W Airport Fwy Ste 305, Irving, TX 75062

(972) 255-6886

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1.03 mi

Raines & Bryant Nationwide Insurance

4425 W Airport Fwy Ste 305, Irving, TX 75062

(972) 722-7497

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1.03 mi

Wes Norwood

2300 Valley View Ln Ste 618, Irving, TX 75062

(972) 756-0065

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1.03 mi

Zoom Insurance

2300 Valley View Ln Ste 1005, Irving, TX 75062

(214) 239-1609

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1.03 mi

Ghulam Abbas

2300 Valley View Ln Ste 405, Irving, TX 75062

(972) 812-0786

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1.03 mi

Abbco Insurance Underwriters

2300 Valley View Ln Ste 213, Irving, TX 75062

(214) 557-1485

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1.03 mi

JLC Insurance Solutions

2300 Valley View Ln Ste 901, Irving, TX 75062

(817) 500-0302

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2.02 mi

Clarence Saunders

3715 N Belt Line Rd, Irving, TX 75038

(972) 594-5200

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2.02 mi

Tony Johnson

2216 W Walnut Hill Ln, Irving, TX 75038

(972) 468-8366

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2.02 mi

Nelson Insurance Agency

3979 N Belt Line Rd, Irving, TX 75038

(972) 499-4232

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2.02 mi

Adrian Howard

4070 N Belt Line Rd Ste 116, Irving, TX 75038

(972) 252-7467

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2.02 mi

TWFG Insurance Services - Herb Turner

1825 W Walnut Hill Ln Ste 120, Irving, TX 75038

(972) 239-6444

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2.02 mi

Malik Hayat

4322 N Belt Line Rd Ste B210, Irving, TX 75038

(214) 643-6857

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2.02 mi

Larry Dodson

5439 N Macarthur Blvd, Irving, TX 75038

(972) 580-0333

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2.02 mi

Dana Lundquist

1200 W Walnut Hill Ln Ste 1050, Irving, TX 75038

(972) 255-4306

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2.02 mi

Vickie Lundquist

1200 W Walnut Hill Ln Ste 1050, Irving, TX 75038

(972) 257-1776

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2.02 mi

IBTX Risk Services

6363 N Highway 161 Ste 100, Irving, TX 75038

(214) 989-7100

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2.02 mi

Alejandra Rios

5605 N Macarthur Blvd Ste 1000, Irving, TX 75038

(972) 655-4089

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2.02 mi

Alfred Walker

5605 N Macarthur Blvd Ste 1000, Irving, TX 75038

(214) 701-5245

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2.02 mi

Goosehead Insurance - Justin Wiggains

5605 N Macarthur Blvd Ste 1007, Irving, TX 75038

(972) 861-2001

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2.02 mi

Karen Santillan

5605 N Macarthur Blvd Ste 1000, Irving, TX 75038

(972) 893-3250

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2.02 mi

Sylvia Taylor

5605 N Macarthur Blvd Ste 1000, Irving, TX 75038

(214) 402-2775

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2.02 mi

Jonathan Russell

1333 Corporate Dr Ste 270, Irving, TX 75038

(972) 756-9090

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2.02 mi

Transport Insurance Agency

5615 High Point Dr Ste 750, Irving, TX 75038

(972) 501-8365

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2.02 mi

Christopher Fisher

1320 Greenway Dr Ste 755, Irving, TX 75038

(817) 917-3209

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2.02 mi

Donna Austin

1320 Greenway Dr Ste 755, Irving, TX 75038

(469) 297-6330

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2.02 mi

Rebecca Johnson

1320 Greenway Dr Ste 755, Irving, TX 75038

(469) 396-4673

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2.02 mi

Amber Bigham

1320 Greenway Dr Ste 755, Irving, TX 75038

(940) 435-5242

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2.02 mi

Andrew Fitzpatrick

1320 Greenway Dr Ste 755, Irving, TX 75038

(817) 319-2240

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2.02 mi

Clay Paul Group

1320 Greenway Dr Ste 640, Irving, TX 75038

(817) 656-2320

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2.02 mi

Setra Stevenson

1320 Greenway Dr Ste 755, Irving, TX 75038

(469) 221-9178

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2.02 mi

Tommy Chavez

1320 Greenway Dr Ste 755, Irving, TX 75038

(817) 944-2233

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2.02 mi

Preferred Personal Insurance Agency

1431 Greenway Dr Ste 145, Irving, TX 75038

(972) 871-2010

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2.2 mi

Delaney Landin

133 N Macarthur Blvd, Irving, TX 75061

(972) 259-8534

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2.2 mi

Sandi Brown

717 N Macarthur Blvd, Irving, TX 75061

(972) 253-9557

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2.2 mi

Mi Pueblo Services

927 E Pioneer Dr, Irving, TX 75061

(972) 445-1243

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2.2 mi

Nepa Insurance

307 N Rogers Rd Ste 100, Irving, TX 75061

(972) 232-9605

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2.2 mi

Margarita Cardenas

1425 W Pioneer Dr Ste 204, Irving, TX 75061

(214) 901-1777

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2.2 mi

Maria Fernandez

1634 W Irving Blvd Ste A, Irving, TX 75061

(972) 253-1711

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2.2 mi

Gary Gilliam

920 E Grauwyler Rd, Irving, TX 75061

(972) 438-3540

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2.2 mi

Romero Insurance Agency

1770 W Irving Blvd Ste 6, Irving, TX 75061

(972) 259-1220

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2.2 mi

Amador Insurance

321 N Story Rd, Irving, TX 75061

(972) 513-9700

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2.2 mi

Munoz Insurance

2021 W Irving Blvd, Irving, TX 75061

(469) 258-9719

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2.2 mi

Excellent Service Insurance Agency

612 N Story Rd Ste 108, Irving, TX 75061

(972) 790-1929

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2.2 mi

Reyes General Services

1417 E Grauwyler Rd, Irving, TX 75061

(972) 438-1059

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2.2 mi

Fiesta Auto Insurance

1420 N Story Rd, Irving, TX 75061

(972) 514-1527

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2.2 mi

Valdez Financial Services

614 Plymouth Park, Irving, TX 75061

(972) 986-1020

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2.2 mi

Mohammad Sheikh

1625 N Story Rd Ste 130, Irving, TX 75061

(972) 986-1906

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2.2 mi

Kameren De Sean Nelson

1625 N Story Rd Ste 126, Irving, TX 75061

(214) 441-0349

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2.2 mi

Atlas Auto Insurance

1810 N Story Rd Ste 200, Irving, TX 75061

(972) 215-0575

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2.2 mi

Y. Martinez Insurance Agency

1735 N Story Rd Ste 176, Irving, TX 75061

(972) 721-7231

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2.2 mi

Monzon Auto Enterprises

3004 W Pioneer Dr, Irving, TX 75061

(972) 313-7067

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2.2 mi

A Zillion Services

813 N Belt Line Rd, Irving, TX 75061

(972) 313-2072

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2.2 mi

Baby Uthup

837 N Belt Line Rd, Irving, TX 75061

(972) 313-3600

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2.2 mi

Americhoice Insurance Agency

1335 N Belt Line Rd Ste 10, Irving, TX 75061

(972) 986-5323

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2.2 mi

Avanti Insurance Agency

1425 N Belt Line Rd, Irving, TX 75061

(972) 514-0100

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2.2 mi

Maria Bustillo

3620 W Pioneer Dr Ste 111, Irving, TX 75061

(972) 916-9998

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2.2 mi

Quality Insurance

1800 N Belt Line Rd Ste 105, Irving, TX 75061

(972) 790-2221

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2.2 mi

City Auto Insurance

4243 W Pioneer Dr Ste 130, Irving, TX 75061

(972) 986-2489

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2.58 mi

Brittany Jordan

319 Las Colinas Blvd E, Irving, TX 75039

(214) 675-8897

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2.58 mi

Derrick McKee

851 Lake Carolyn Pkwy Ste 140, Irving, TX 75039

(972) 910-0405

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2.58 mi

Terrance Hutchins

851 Lake Carolyn Pkwy Ste 140, Irving, TX 75039

(469) 388-2921

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2.58 mi

Goosehead Insurance - Lynn Peters

5201 N O'connor Boulevard Suite 100-b, Irving, TX 75039

(972) 689-4569

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2.58 mi

Darryl Henderson

1000 Lake Carolyn Pkwy Apt 2105, Irving, TX 75039

(972) 977-5172

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2.58 mi

State Farm Insurance - Linda DeSpain Agency

1030 W John Carpenter Fwy Ste 150, Irving, TX 75039

(469) 586-4244

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2.58 mi

Bill Hooten

400 E Royal Ln Ste 211, Irving, TX 75039

(972) 409-9940

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2.58 mi

Goosehead Insurance - Dallas Office

100 E Royal Ln Ste 320, Irving, TX 75039

(214) 838-5500

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2.58 mi

Luc Nguyen

300 E Royal Ln Ste 118, Irving, TX 75039

(972) 607-4182

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2.58 mi

Summit Alliance Insurance Advisors

300 E Royal Ln Ste 280, Irving, TX 75039

(817) 484-6669

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2.58 mi

Liberty Mutual Agency

6565 N Macarthur Blvd Ste 100, Irving, TX 75039

(972) 556-2339

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2.58 mi

Team Pryor Group

6565 N Macarthur Blvd Ste 225, Irving, TX 75039

(214) 624-5222

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2.58 mi

Alliance Property & Casualty

6565 N Macarthur Blvd Ste 225, Irving, TX 75039

(214) 272-2993

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2.58 mi

Ron Mathai

7301 State Highway 161 Ste 220, Irving, TX 75039

(469) 779-8003

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2.58 mi

Central Inusurance Companies

7301 State Highway 161 Ste 320, Irving, TX 75039

(972) 401-3400

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4.35 mi

Marcelo M Campon Agency

310 W 2nd St, Irving, TX 75060

(972) 251-2882

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4.35 mi

William W. Gonsiorek

312 W 2nd St Ste A, Irving, TX 75060

(972) 313-3611

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4.35 mi

Kerri Miene

210 S O Connor Rd, Irving, TX 75060

(972) 253-1966

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4.35 mi

McKinley Insurance Agency

128 E 2nd St, Irving, TX 75060

(972) 790-0156

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4.35 mi

John Matthew Acosta

623 E Irving Blvd, Irving, TX 75060

(972) 554-7998

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4.35 mi

Baja Auto Insurance

508 S Macarthur Blvd, Irving, TX 75060

(972) 426-5067

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4.35 mi

Altima Auto Insurance

967 E Irving Blvd, Irving, TX 75060

(469) 212-0398

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4.35 mi

Carnaval Auto Insurance

112 E Shady Grove Rd, Irving, TX 75060

(469) 524-0884

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4.35 mi

Glen Wright Insurance Agency

1529 Irvin Rd, Irving, TX 75060

(972) 986-6269

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4.35 mi

Claudia Salas

2335 W Shady Grove Rd Ste 100a, Irving, TX 75060

(972) 790-4000

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4.35 mi

Prosperity Eagle Insurance

2023 E State Highway 356, Irving, TX 75060

(214) 596-0058

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4.44 mi

Eric Douglas

6210 N Belt Line Rd Ste 115, Irving, TX 75063

(469) 270-3000

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4.44 mi

Umer Usman

7600 N Macarthur Blvd Ste 105, Irving, TX 75063

(972) 869-4280

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4.44 mi

Supriya Harris

1135 Kinwest Pkwy Ste 150, Irving, TX 75063

(469) 351-7013

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4.44 mi

AAA Insurance

941 Macarthur Park Ste 100, Irving, TX 75063

(972) 444-7800

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4.44 mi

Connect Insurance Agency

7700 Brookview Ct, Irving, TX 75063

(817) 368-9456

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4.44 mi

North American Advantage Insurance Services

1707 Market Pl Ste 100, Irving, TX 75063

(877) 628-6060

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4.44 mi

Dan Garber

8251 N Belt Line Rd Ste 120, Irving, TX 75063

(972) 621-1115

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4.44 mi

Brandon Walters

9901 Vly Rnch Pkwy E # 2065, Irving, TX 75063

(972) 255-5705

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4.44 mi

Charles George

8615 Freeport Pkwy Ste 175, Irving, TX 75063

(469) 636-9489

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4.44 mi

Joshua Brosin

8675 Freeport Pkwy Bldg E1, Irving, TX 75063

(972) 915-6099

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4.44 mi

Mohammed Hassan

8675 Freeport Pkwy # 1m, Irving, TX 75063

(972) 338-3454

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4.44 mi

PCL Insurance Agency

8615 Freeport Pkwy Ste 155, Irving, TX 75063

(972) 459-4749

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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 registered	24,527,939
Total uninsured motorists	14.1%
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.

Cheap Car Insurance in Irving, Texas (With 2024 Rates)