Irving Auto Insurance Rates, Quotes, Agents & Reviews in TX

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.

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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 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

We 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.
The 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 Bureau
They 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 Insurance
Farmer's Insurance was much less expensive than other national brands, almost 100$ a month.
State Farm
I 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.
Geico 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.
Geico 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.
There 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 General
Preimum is over $400 a year lower than the nearest competitor with the same coverage, but I get roadside assistance included at no extra charge.
I 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.
i 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 Insurance
The premium for my auto insurance is way below other providers out there. I have the maxiumum auto insurance policy.
I 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 Farm
Price 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.