Irving, TX Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Irving, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Savings of Up to $101 on a Single Anti-theft Device in Irving, TX
The average cost of auto insurance in Irving, TX, is $1,436. This is much lower than the average cost of auto insurance in neighboring places such as Carrollton and Farmers Beach. Although the cost of auto insurance in Irving is dependent on numerous factors, ranging from the make and model of the vehicle to the rate of deductibles, it also varies from one neighborhood to another. Zimlon provides car owners with the option of keying in their zip code to get accurate auto insurance quotes from different insurers.
Anti-Theft Discounts:
Car insurers across Texas offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
As the above infographic indicates, equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps in saving the most on auto insurance in Irving, at $101. Other devices which can help improve savings are tracking devices and active disabling devices.
Multi-Car Insurance:
Car insurance companies also provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. Savings on multi-car insurance can range between $431 and $862. The cost of insuring two vehicles under a multi-car insurance policy in Irving is $2,441. This helps in saving up to $431. The cost of insuring four vehicles under this policy is $4,882, saving up to $862.
Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts.
Driving Record:
Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
For example, post-DUI, the cost of auto insurance in Irving, can mount up to $2,236 from $1,436. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving. The former leads to an increase of $968, while the latter leads to an increase of $329 in Irving.
Factors that can influence the cost of car insurance in Irving, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Irving, TX Auto Insurance Rates
- Irving, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Irving, TX
- Multi Vehicle Insurance Savings in Irving, TX
- How Credit Score Affects Car Insurance Rates in Irving, TX
- How DUI Affects Auto Insurance Premiums in Irving, TX
- Top Auto Insurance Agents Near Irving, TX
- How Driving Violations Affect Auto Insurance Rates in Irving, TX
- Irving, TX Auto Insurance Discounts on Anti Theft Feature
- Irving, TX Auto Insurance Company Reviews
Irving, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Irving, TX with that of other cities in and around Irving.
| Irving | Euless | Grapevine | Carrollton | Bedford | Farmers Branch | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,436 | $1,335 | $1,330 | $1,477 | $1,313 | $1,956 |
Irving, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Irving, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Irving | $1,030 | $870 |
| Euless | $1,285 | $1,086 |
| Farmers Branch | $945 | $798 |
| Coppell | $1,841 | $1,555 |
| Grapevine | $1,275 | $1,077 |
| Cockrell Hill | $1,118 | $944 |
| Bedford | $1,491 | $1,260 |
| Carrollton | $1,117 | $943 |
Irving, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Irving, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,660 |
| 20 Years | $1,845 |
| 30 Years | $1,421 |
| 40 Years | $1,367 |
| 50 Years | $1,266 |
| 60 Years | $1,284 |
| 70 Years | $1,494 |
Irving, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Irving, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,441 | $431 |
| 3 Vehicles | $3,662 | $646 |
| 4 Vehicles | $4,882 | $862 |
Savings on 2 Vehicles bundle:$431
Savings on 3 Vehicles bundle:$646
Savings on 4 Vehicles bundle:$862
Irving, TX Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Irving, TX.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Irving | $1,436 | $2,236 |
| Euless | $1,335 | $2,078 |
| Farmers Branch | $1,956 | $3,045 |
| Coppell | $1,409 | $2,193 |
| Grapevine | $1,330 | $2,070 |
| Cockrell Hill | $1,859 | $2,894 |
| Bedford | $1,313 | $2,044 |
| Carrollton | $1,477 | $2,299 |
Irving, TX Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,232 |
| Excellent (740-799) | $1,406 |
| Good (670-739) | $1,496 |
| Average (580-669) | $1,952 |
| Poor (300-579) | $2,342 |
Irving, TX Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Ryan Klibert | State Farm | 2501 N Josey Ln Ste 100, Carrollton, 75006-1600 | 972-446-6601 |
| Brandy Lane | Farmers | 1306 W Euless Blvd Ste 100, Euless, 76040 | (817) 864-0061 |
| Sarah Nelson | Allstate | 2824 Central Dr Ste 320, Bedford, 76021 | (817) 267-7918 |
| Kate Ong | Liberty Mutual | 6565 N. Macarthur Blvd. Suite 100, Irving, 75039 | 1-972-556-2339 |
| Patty Diaz | State Farm | 2100 N Hwy 360 Ste 601, Grand Prairie, 75050-1027 | 972-623-2255 |
| Kristie Polk | State Farm | 2132 L Don Dodson Dr Ste 100, Bedford, 76021-7531 | 817-267-1101 |
| John L Wortham & Son Lp | Travelers | 5950 SHERRY LN STE 500, DALLAS, 75225 | 469-759-1741 |
| Monique Burnom | Liberty Mutual | 6565 N. Macarthur Blvd. Suite 100, Irving, 75039 | 1-972-556-2339 |
| Allen Pitts | State Farm | 8226 Douglas Ave Ste 112, Dallas, 75225-5906 | 214-360-0122 |
| Terrell Insurance Services Inc. | None | 13712 Nevtron Rd. Dallas, Farmers Branch, 75244 | None |
| Paramjit Kaur | Liberty Mutual | 6565 N. Macarthur Blvd. Suite 100, Irving, 75039 | 1-972-556-2339 |
Irving, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$63 | $1,499 |
| Driver's Failure In Showing Documents | +$139 | $1,575 |
| Driving With An Expired Registration | +$148 | $1,584 |
| Driving At A Considerably Slow Pace | +$312 | $1,748 |
| Using A Cellphone While Driving | +$329 | $1,765 |
| Running A Red Light | +$335 | $1,771 |
| Speeding | +$352 | $1,788 |
| Driving A Vehicle Without The Required Permission | +$447 | $1,883 |
| Driving With An Expired/Suspended License | +$968 | $2,404 |
Irving, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,379 |
| Active Disabling Device | $1,379 |
| Tracking Device | $1,350 |
| Passive Disabling Device | $1,335 |
Latest Auto Insurance Reviews in Irving, TX | Back to Top
UsaaWe did have to file a hail damage claim a few years ago and they were very helpful. They had someone come to our house and the check was in the mail in days.
UsaaThe premium and deductible of my policy compared to the other car insurance policies for the same coverage are good. I wouldnt change it for the world as of now. they are affordable and has not failed me sonce.
Farm BureauThey always communicate any changes that would happen throughout the year, provide discounts for safe driving and often hold public events that our family is invited to.
Farmer's InsuranceFarmer's Insurance was much less expensive than other national brands, almost 100$ a month.
State FarmI would recommend State Farm car insurance. Do the work, and get quotes from other companies first. They are a very big company, therefore they'll go out of their way to get you as a customer.
GeicoGeico is on a level that my previous insurance company is not no. they pay claims on time always shows understanding to your situation. The friendly staff are very welcoming.
GeicoGeico is on a level that my previous insurance company is not no. they pay claims on time always shows understanding to your situation. The friendly staff are very welcoming.
UsaaThere is not a lot I can say that I dislike about the company. Sometimes they do try to upsell on things like life insurance and increase premiums over time. Those are my only complaints.
National GeneralPreimum is over $400 a year lower than the nearest competitor with the same coverage, but I get roadside assistance included at no extra charge.
UsaaI love how accessible USAA is. I can reach them via phone, online, or download and use their mobile app. I usually just call if I need to update anything. Customer service is generally very kind and helpful.
Geicoi dislike how the company sends us multiple flyers and mail. Overall its good practice because it keeps clients informed, but in a world where information is bombarded to us at large. less is more
Aarp Auto InsuranceThe premium for my auto insurance is way below other providers out there. I have the maxiumum auto insurance policy.
GeicoI like that the customer support is simple and I can call at anytime in order to resolve any issues with my coverage. I also enjoy the ease of use of their mobile app.
State FarmPrice is similar to other insurance companies I've been with. Overall no complaints or issues with this insurance company. I feel coverage compares well with other companies.