Cheapest and Best Car Insurance in Irving, TX (2024)

In Irving, the most affordable car insurance hinges on coverage and driver details. For minimum and full coverage, Texas Farm Bureau presents the best rates, whereas Nationwide offers the lowest premiums for families with teen drivers. For top-notch customer service, Chubb stands out and also secures the title for best overall, representing unrivaled value blending price and service. Choosing the best provider can vary based on individual preferences and coverage necessities.

MoneyGeek found that Texas Farm Bureau offers the cheapest minimum coverage car insurance in Irving, ensuring you get quality protection at the most affordable rate. Find the cheapest car insurance with these providers:

• Texas Farm Bureau: $414 per year
• Mercury: $466 per year

While these companies provide the most cost-effective options, it's important to note that Dairyland has the most expensive minimum coverage policy in the city at $2,488 per year. The significant price disparity, which is a $2,074 difference annually between the cheapest and most expensive, underscores the value of comparing car insurance rates.

In Texas, from Irving to Amarillo, the baseline for car insurance coverage is set by state law. Should your journey not just take you from point A to B, but also into the complexities of insurance requirements, here's what you'll need:

• $30,000 bodily injury per person
  
• $60,000 bodily injury per accident
  
• $25,000 property damage liability per accident
  

Consider this scenario: if you're involved in a crash and you're at fault, your minimum coverage will shell out up to $30,000 for injuries per person — with a total cap of $60,000 per accident. In the unfortunate event that the actual costs are higher, you'll be paying for the rest.

MoneyGeek found that Texas Farm Bureau offers the cheapest full coverage car insurance in Irving. Here are the two most affordable providers:

• Texas Farm Bureau: $870 per year
• State Farm: $1,053 per year

Dairyland has the most expensive full coverage policy in Irving at $4,787 annually. The stark $3,917 difference between the lowest and highest rates underscores the need for consumers to compare full coverage policies, which cost more than minimum coverage due to the added protection they offer.

At MoneyGeek, the enhanced Irving policy known as full coverage significantly raises the liability coverage limits beyond the basic requirements, reaching up to $100,000 for individual bodily injury liability, $300,000 per accident for bodily injury and $100,000 for property damage per accident. Simply put, industry professionals refer to this as a 100/300/100 policy setup.

Full coverage policies stand out by including not just elevated liability limits but also comprehensive and collision coverage, serving as a robust insurance package.

• Collision Insurance: This component provides coverage for your vehicle in the event of damage caused by a collision, whether it's with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This aspect addresses damages to your automobile from a range of non-collision incidents, including theft and weather-related harm, natural disasters and being struck by an animal like a deer.

For those investing in a new vehicle, securing full coverage insurance is a prudent decision to protect your asset. Yet, for older automobiles, the additional cost of this extensive protection might not equate to value, as it can add several hundred dollars to your expenses.

The challenge is deciding how much car insurance you need.; it's a delicate balance between choosing higher premiums to ensure ample coverage and opting for lower coverage that may risk insufficient protection.

MoneyGeek found that the cheapest company for drivers with a poor driving record in Irving is Texas Farm Bureau. Depending on the specific offense, different providers offer the more affordable rates:

• Speeding Ticket: Texas Farm Bureau ($870 per year)
• At-fault accident: State Farm ($1,310 per year)
• DUI: Progressive ($1,637 per year)

Among these, Dairyland tends to have the most expensive rates for the three offenses, with premiums reaching up to $4,836 after a DUI. It's noteworthy that the difference in annual rates between the cheapest company after a speeding ticket and the cheapest after a DUI is $878, highlighting how the severity of the offense can significantly impact car insurance rates.

In Irving and other cities, insurance premiums often increase with the severity of a driving violation due to the heightened risk insurers associate with more serious offenses. For example, drivers in Irving with a DUI conviction face an average annual rate of $3,804, compared to $3,071 for those with a speeding ticket — a significant difference of $733. This disparity underscores the importance for drivers with offenses to diligently compare insurance rates.

MoneyGeek found that Nationwide offers the cheapest full coverage car insurance for male and female teens in Irving.

• Nationwide: $1,655 per year for female teens and $1,886 per year for male teens
• State Farm: $1,958 per year for female teens and $2,368 per year for male teens

These rates reflect the total yearly cost for a policy covering two parents and a teen driver. The most expensive option for families in Irving comes from Allstate, with premiums of $6,780 for female teens and a staggering $7,979 for males. The difference in premiums underscores the critical need to compare prices, especially when insuring higher-risk drivers like teenagers.

In Irving, as in other locations, adding a teenager to a family car insurance plan is significantly more economical than having them take out an individual policy. On average, a lone teenager can expect an annual premium of $7,471, whereas being part of a family plan averages at approximately $3,805, almost half the cost.

This contrast in rates is largely due to the higher risks insurers associate with independent teen drivers. Insurance companies are often hesitant to approve individual policies for teenagers because of their limited driving experience and potentially higher likelihood of filing claims.

MoneyGeek found that Texas Farm Bureau is the cheapest option in Irving for those with a military background seeking the cheapest car insurance for military backgrounds.

• Texas Farm Bureau: $870 per year
• State Farm: $1,053 per year

Though USAA is not the cheapest, ranking third with an annual premium of $1,095, it is known for delivering services and products that cater specifically to the needs of active duty military members. This can be a compelling reason for military personnel to choose USAA despite slightly higher rates, considering the tailored benefits it offers.

In Irving, you can use MoneyGeek's car insurance calculator to get quotes. Simply input critical details such as age, driving history, credit score and desired coverage, and promptly receive a tailored rate estimate, thereby optimizing your time and savings on car insurance.

Finding the best auto insurance for you involves weighing various factors such as service, cost, coverage, and more. MoneyGeek's unique scoring systems evaluate these aspects to recommend top insurers in Irving that cater to different preferences:

• Best overall: Chubb (MoneyGeek score 91 out of 100)
• Best for service: Chubb (MoneyGeek score 92 out of 100)
• Best cheap: Chubb (MoneyGeek score 90 out of 100)

Chubb emerges as the clear leader in Irving for its balanced excellence. The company stands out as the premier choice for those seeking overall value, leading customer service and affordability without significantly compromising on the quality of the experience.

MoneyGeek found that Chubb is the top choice for the best car insurance in Irving, Texas. Drivers looking for quality coverage and exceptional service can confidently turn to Chubb for their car insurance needs. Here are the two top providers based on MoneyGeek's rigorous scoring system:

• Chubb: MoneyGeek score of 91 out of 100 ($1,811 per year)
• Foremost: MoneyGeek score of 75 out of 100 ($2,567 per year)

Chubb distinguishes itself with its unparalleled mix of high satisfaction and affordability scores, which are the most significant factors in its impressive MoneyGeek rating. The company ensures that policyholders receive substantial value for their investment through a comprehensive full coverage policy.

MoneyGeek found that Chubb is the best option in Irving for outstanding car insurance customer service. This assessment shines a spotlight on general satisfaction, efficient claims handling and comprehensive coverages, regardless of premium costs.

• Chubb: MoneyGeek score of 92 out of 100 ($1,811 per year)
• Foremost: MoneyGeek score of 77 out of 100 ($2,567 per year)

Chubb distinguishes itself primarily through its superb satisfaction and claims scores, both significant contributors to its near-perfect MoneyGeek score.

MoneyGeek found that Chubb offers the best option for cheap car insurance in Irving. The evaluation from MoneyGeek highlights that the best insurers not only present affordability but also ensure commendable claims handling and customer satisfaction. The two top-performing companies are:

• Chubb: MoneyGeek score of 90 out of 100 ($866 per year)
• Mercury: MoneyGeek score of 79 out of 100 ($466 per year)

Bearing the highest MoneyGeek score, Chubb distinguishes itself with an exceptional blend of service quality and financial stability, contributing significantly to its comprehensive score. Notably, the score accounts for a minimum coverage policy, illustrating Chubb's outstanding balance between cost-effectiveness and robust service delivery.

The average cost of car insurance in Irving, Texas, is $1,890. This figure is notably higher than the average car insurance cost in the state of Texas, which stands at $1,782. Furthermore, when comparing the state average to the national average car insurance cost, Texas residents typically pay nearly the same, with the state average being just one dollar more at $1,782 versus the national average of $1,781.

While location plays a crucial role in determining car insurance premiums, other factors such as a driver's age, vehicle type and driving history also significantly influence rates. Among the analyzed cities, Houston has the most expensive premium at $2,177, while Wichita Falls boasts the cheapest at $1,414, highlighting a stark difference of $763. It's worth noting that in less populated non-city areas, where traffic density and the associated risks are lower, car insurance rates can be even more cost-effective.