Find Cheap Car Insurance in Irving, TX

Irving is a lively city in Dallas County with a population of about 250,000. It has a great mix of suburban charm and urban conveniences, making it a popular spot for both families and professionals. Big companies like ExxonMobil and Kimberly-Clark are based here, so there are plenty of job opportunities. Residents are close to Dallas and Fort Worth, which is a huge plus for commuting or weekend adventures. There’s also a lot to do, from concerts at the Toyota Music Factory to exploring the parks and the famous Mustangs of Las Colinas. People love moving to this city for its vibrant community, diverse culture, and overall quality of life.

Driving in Irving has its challenges, from busy roads to unpredictable weather, making auto coverage essential for financial protection. Whether it’s traffic or sudden storms, the right coverage keeps you prepared. Acceptance offers affordable car insurance in Texas, even with imperfect records. Read on for more about coverage and discounts.

Auto coverage in Irving is slightly higher than both the national and Texas averages. While the national average is around $52 per month and Texas averages $47, liability coverage in Irving it typically costs about $53 per month.

In Texas, liability coverage is the minimum required by law, but many drivers in this city opt for full car coverage because it adds protection against accidents, weather, and theft. If interested, you might be looking at a monthly cost of $175, which is $6 more than Texas’ average of $169 and $7 higher than the national average of $168. Don’t worry—you can still obtain solid protection without breaking the bank.

Reasons Why Insurance is So Cheap in Texas

In Texas, a variety of factors work together to keep car coverage affordable for residents. Insurers in the state utilize smart business practices, resulting in better prices for consumers. The lower cost of living and fewer claims translates to lower premiums for drivers. Additionally, the state’s well-maintained roads and highways lead to fewer accidents and lower coverage costs. While cities like Irving may be a bit more expensive, Texas as a whole is still cheaper than most states. Despite occasional weather challenges, the mild climate overall reduces the risk of natural disasters, helping keep costs down.

Here’s a comparison of rates by city in Texas, focusing on average annual premiums for full coverage, which can vary due to factors like traffic, crime rates, and risk of natural disasters, as well as liability only.

Compare Car Insurance Rates by Zip Code in Irving

Did you know that where you live can have a big impact on your rates? In Irving, areas like River Road and nearby neighborhoods may experience varying levels of traffic or accident rates, which can influence coverage costs for residents. Here are how the prices compare across different zip codes.

Low-Cost Car Insurance Rates by Age in Irving

Getting car coverage for young drivers can have a noteworthy financial impact. Carriers often raise rates for drivers under 20 because they are considered a higher risk.

Browse through the table below to compare monthly costs for various age groups in this vibrant city.

*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

How Many Accidents Happen Per Year in Irving, Texas?

In 2021, Irving saw 4,141 car accidents, with 25 tragic fatalities. While accidents can sometimes be unavoidable, there’s a lot you can do to minimize the risks. By brushing up on safe driving tips and actually putting them into practice, you can play a part in making the roads safer for everyone. By following these smart practices, drivers can reduce the chances of accidents and avoid the need for expensive high-risk car coverage.

It’s no secret that car accidents can definitely affect your premium costs. And although car accidents are sometimes inevitable, we can try our best to avoid them by reviewing safe driving tips and practicing them.

Are Road Infrastructure and Bridges in Irving Well Maintained?

The road infrastructure and bridges in this city are well maintained due to continuous investments in various improvement projects. The city has been working on major initiatives like the Irving Interchange, which is designed to reduce congestion and improve safety along key highways such as State Highway 114 and Interstate 635. Additionally, the Embassy Channel Drainage Project and improvements along MacArthur Boulevard are enhancing the overall infrastructure. Regular maintenance, such as streetlight repairs and roadway resurfacing, further ensures safety and smooth traffic flow throughout the city. These efforts keep these roads reliable and safe for commuters.

have the minimum required coverage in case of the unexpected. Here’s the breakdown:

• $30,000 in coverage for injuries per person, up to $60,000 per accident.
• A minimum of $25,000 for property damage in each accident.

Driving without coverage in the Lone Star State isn’t just risky, it can lead to serious legal and financial consequences. While you might be tempted to hit the road without coverage, the penalties that follow could end up costing you far more than just the premium.

• License Suspension: Your driver’s license could be suspended, making it illegal to drive until reinstated.
• Vehicle Impoundment: Your car may be impounded, and you’ll need to pay fees to retrieve it.
• Revocation of Driving Privileges: Repeated offenses may lead to revocation of your driving privileges.
• Suspension of Vehicle Registration: Your vehicle registration may be suspended until you provide proof of coverage.
• Fees for Impounded Vehicle: You’ll be responsible for paying additional fees to retrieve an impounded vehicle.
• Potential Incarceration: In case of an accident, you could face incarceration if found responsible without coverage.
• High-Risk Driver Designation: You may be designated a high-risk driver, requiring you to submit an SR-22 insurance certificate for two years to prove financial responsibility.

In your quest to determine the cost of your auto coverage in this city, understanding the factors that affect auto coverage rates is crucial. These are the key elements that insurers consider determining the premiums that suit you:

• Driving Record: Previous accidents, tickets, or the need for specialized DUI coverage can all increase the risk, resulting in higher monthly payments.
• Location: Where you live affects rates due to local accident statistics, crime rates, and traffic congestion in certain areas.
• Type of Vehicle: The make, model, and age of your car can influence coverage costs, with safer and less expensive vehicles typically leading to lower premiums.
• Credit Score: Insurers often use credit scores to determine rates, with higher scores leading to lower premiums and lower scores potentially increasing costs.

Planning to hit the road in Texas? Here are a few tips to keep your drive smooth and safe. Speed limits can really vary, especially on rural highways where you might see limits as high as 85 mph—so make sure to follow the posted signs. There’s more to consider when driving in Texas, like:

• Speed limits vary, especially on rural highways where they can hit 85 mph—so always check the signs.
• Buckle up! Everyone in the car needs to wear a seatbelt.
• Texas requires drivers to have liability coverage: at least $30,000 per person, $60,000 per accident for injuries, and $25,000 for property damage.
• DUI laws are strict here—a blood alcohol limit of 0.08%, with penalties ranging from fines to license suspension, or even jail.
• No texting while driving—it’s banned statewide, and cities like Irving have even stricter phone rules.
• Texas weather can change fast, especially during storms, so stay ready for anything.
• With plenty of toll roads, a TollTag (or similar) will help you avoid extra fees.

If you’re feeling the pinch from your car coverage bill, you don’t have to sacrifice good coverage to save money. In this city, discounts are available to help reduce your premiums. Some discounts offered to residents include:

In addition, as you research auto policies, consider bundling your plan with a homeowners or renters coverage policy, which could help you get even greater savings.