Car Insurance in Irving, Texas
Estimated full coverage in Irving runs about $2,040 a year ($170/month) — ▲ +8% versus the Texas average, ranking 17th most expensive of the 57 Texas cities we cover.
Why car insurance in Irving costs more than the Texas average
Insurers price by territory, and Irving's numbers explain most of the gap. With 258,060 residents on 67.0 square miles, the city's density (3,853 people per square mile) is 5.8 times the density where the typical Texas resident lives (670). The average commute is 24.1 minutes (Texas: 26.7), and 66% of workers drive alone. Together these put our location factor at 1.08× the state baseline for liability and collision, and 1.09× for comprehensive once FEMA weather risk for Dallas County is included.
| Factor | Irving | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 3,853 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 24.1 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.8% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 65.5% | — | Share of workers commuting by car. |
| Public transit to work | 1.0% | — | Transit use lowers how much residents drive. |
| Work from home | 20.0% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 5.9% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 94.3 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Irving
Rates can change from one ZIP code to the next. Across 6 Irving ZIP codes, our full-coverage estimate ranges from $1,965 in 75063 to $2,095 in 75060. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 75061 | 56,013 | 4,824 | 25.2 min | 7.5% | $2,080 | +2% |
| 75062 | 52,116 | 4,920 | 23.2 min | 5.2% | $2,050 | 0% |
| 75060 | 47,591 | 3,938 | 27.3 min | 3.6% | $2,095 | +3% |
| 75063 | 45,849 | 2,267 | 22.6 min | 6.2% | $1,965 | −4% |
| 75038 | 32,755 | 4,288 | 23.2 min | 7.0% | $2,035 | 0% |
| 75039 | 24,164 | 4,251 | 20.1 min | 5.2% | $1,985 | −3% |
Minimum car insurance in Irving
Irving drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Irving at $745 a year, and $1,035 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Irving premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Dallas County as very high for hail, very high for inland flooding and very high for strong wind, and relatively low for hurricanes.
Traffic & commuting
4.8% of Irving commuters spend an hour or more getting to work, and there are 1.71 vehicles per household. 20.0% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 100.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.8 | Comprehensive; dwelling | |
| Hurricane | 73.6 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 98.5 | Comprehensive; dwelling | |
| Winter weather | 98.7 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Irving by driver profile
A clean-record driver in their 50s pays the least in our Irving model (about $1,875 for full coverage); an 18-year-old on their own policy pays about $5,610, and a DUI pushes a 30-something to $3,775.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,045 | $2,850 | $5,610 | $468 |
| Young adult (22) | $1,190 | $1,660 | $3,265 | $272 |
| Adult in their 30s | $745 | $1,035 | $2,040 | $170 |
| Adult in their 50s | $685 | $955 | $1,875 | $156 |
| Senior (72) | $835 | $1,160 | $2,285 | $190 |
| 30s, one at-fault accident | $1,080 | $1,505 | $2,960 | $247 |
| 30s, DUI on record | $1,375 | $1,920 | $3,775 | $315 |
Minimum vs. standard vs. full coverage in Irving
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $745 | $62 | $610–$875 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,035 | $86 | $850–$1,225 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,040 | $170 | $1,675–$2,410 |
Estimate your premium in Irving
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Cheap car insurance in Irving: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Irving's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $140 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $140 | You're among the 20.0% of Irving workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $555 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $1,005 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $450 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Irving
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 39 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Irving, our estimates differ by up to $130 a year between neighborhoods.
Car insurance agents near Irving, TX
We found 39 insurance offices within about 6 miles of central Irving, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Adrian Howard - State Farm
4070 N. Beltline Rd., Suite 116, Irving, TX 75038 -
Amrit Narasimhan - GEICO
3959 North Belt Line Rd, Irving, TX 75038 -
Texas Insurance Advisors
3585 North Belt Line Road, Irving, TX 75062 -
State Farm
TX -
La Familia Auto Insurance
3002 North Belt Line Road, , TX -
Fiesta Auto Insurance
TX -
Freeway Insurance
1221 W Airport Frwy, Irving, TX 75062 -
Matthew Reza Kirk - Farmers Insurance
4500 Fuller Drive, Irving, TX 75038 -
Ghulam Abbas - Farmers Insurance
800 W Airport Fwy, Irving, TX 75062 -
Carlos Chargoy - Allstate
1625 N Story Rd, Ste 130, Irving, TX 75061 -
Trevonne Shawndia Underwood - Farmers Insurance
511 E John Carpenter Fwy, Irving, TX 75062 -
Pamela H Stewart Griffin - Farmers Insurance
400 Las Colinas Blvd E, Irving, TX 75039 -
Jonathan Michael Strader - Farmers Insurance
4201 N St Hwy 161, Irving, TX 75038 -
Nandini Shah - Farmers Insurance
1431 Greenway Dr, Irving, TX 75038 -
Wes Norwood Insurance Agency LLC
851 Lake Carolyn Pkwy, Ste 140, Irving, TX 75039 -
Maria Fernandez - Farmers Insurance
1634 W Irving Blvd, Irving, TX 75061 -
Maria Bustillo - Allstate
3620 W Pioneer Dr, Ste 111, Irving, TX 75061 -
Courtney Deshawn Threats - Farmers Insurance
4425 W Airport Fwy, Irving, TX 75062 -
Robert Andrew McAfee - Farmers Insurance
6565 N Macarthur Blvd, Irving, TX 75039 -
Roy Moreno - State Farm
100 E Royal Lane, Suite 220, Irving, TX 75039 -
Thomas Craig Aikin - Farmers Insurance
2300 Vly Vw Ln, Irving, TX 75062 -
Freeway Insurance
508 S MacArthur Blvd, Irving, TX 75060 -
McKinley Insurance Agency
128 East 2nd Street, Irving, TX 75060 -
Freeway Insurance
424 E Irving Blvd, Irving, TX 75060 -
Claudia Salas Espino - State Farm
2335 W Shady Grove Road, Suite 100A, Irving, TX 75060 -
Silvia Ibarra - Farmers Insurance
2524 E Grauwyler Rd, Irving, TX 75061 -
Safeway Insurance Company
1505 LBJ Freeway, #170, Dallas, TX 75234 -
Dan Garber - State Farm
8251 N Belt Line Road, Suite 120, Irving, TX 75063 -
Ricky Eduardo Saldivar - Farmers Insurance
2351 W Northwest Hwy, Dallas, TX 75220 -
Andrew Tyler Schilkoski - Farmers Insurance
8951 Cypress Waters Blvd, Coppell, TX 75019 -
Raman Ahluwalia - Farmers Insurance
1750 Vly Vw Ln, Dallas, TX 75234 -
Leonardo Mateo Cazares - Farmers Insurance
8334 Sterling St, Irving, TX 75063 -
Yonhi Kim - Farmers Insurance
11500 N Stemmons Fwy, Dallas, TX 75234 -
Mike Baker - State Farm
2100 Valley View Lane, Suite 425, Dallas, TX 75234 -
Veronica Tejada - Allstate
9901 Valley Ranch Pkwy E, Ste 3010, Irving, TX 75063 -
Juan Guillermo Ardila - Farmers Insurance
13205 Branch View Ln, Farmers Branch, TX 75234 -
Bertha Martinez - Farmers Insurance
12100 Ford Rd, Dallas, TX 75234 -
Freeway Insurance
3021 Bachman Drive, Dallas, TX 75220 -
Brian Crayton - Farmers Insurance
8500 N Stemmons Fwy, Dallas, TX 75247
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Irving
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,530 | −25% |
| Subaru Outback | Wagon | $1,535 | −25% |
| Tesla Model 3 | Midsize car | $2,125 | +4% |
| Subaru Forester | Small SUV | $1,505 | −26% |
| Honda Civic | Compact car | $2,300 | +13% |
| Toyota Corolla | Compact car | $2,155 | +6% |
| Jeep Wrangler | Midsize SUV | $1,670 | −18% |
| Mazda CX-5 | Small SUV | $1,710 | −16% |
| MINI Cooper | Subcompact car | $1,540 | −25% |
| Tesla Model Y | Midsize SUV | $1,910 | −6% |
More car insurance topics in Irving
Car insurance in nearby Texas cities
- Carrollton $2,030/yr · 10 mi
- Grand Prairie $2,080/yr · 12 mi
- Southlake $1,955/yr · 12 mi
- Dallas $2,070/yr · 13 mi
- Lewisville $2,030/yr · 13 mi
- Arlington $2,095/yr · 14 mi
- Richardson $2,040/yr · 17 mi
- Plano $2,065/yr · 19 mi
- Garland $2,160/yr · 20 mi
- Frisco $2,105/yr · 22 mi
- Fort Worth $2,060/yr · 23 mi
- Mesquite $2,165/yr · 23 mi
All Texas cities and state rules · Homeowners insurance in Irving
Frequently asked questions
How much is car insurance in Irving, TX?
We estimate full coverage in Irving at about $2,040 a year ($170 a month) for a driver in their 30s with a clean record, and about $745 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Irving more expensive than the Texas average?
Our Irving estimate is 8% higher than the statewide figure. The model reflects a population density of 3,853 people per square mile (the typical Texas resident lives at about 670) and an average commute of 24.1 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Irving?
Drivers in Irving follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Irving has the cheapest car insurance?
Among Irving's 6 ZIP codes, 75063 has the lowest estimate (about $1,965 a year for full coverage) and 75060 the highest (about $2,095), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Irving?
An 18-year-old with their own full-coverage policy would pay around $5,610 a year in Irving by our estimate ($2,045 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Irving?
Yes. FEMA's National Risk Index rates Dallas County for hail (very high), inland (river) flooding (very high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Irving?
We list 39 insurance offices in and around Irving, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Irving and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places