Irving drivers pay an average of $2,851/year — $1,080 more than the national average. With 3,512 crashes per year and a 3.6 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $1,135/year.
(888) 217-6781Estimated full coverage auto insurance rates for Irving, TX from top carriers. Rates are adjusted for Irving's 3,512 annual crashes, 3.6 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $948 | $158/mo |
| GEICO | $1,081 | $180/mo |
| Progressive | $1,220 | $203/mo |
| State Farm | $1,333 | $222/mo |
| Allstate | $1,624 | $271/mo |
Estimates based on 2026 rate filings for ZIP 75060. USAA is cheapest at ~$158/mo. Actual rates vary by driver profile and exact Irving location.
These Irving-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Irving, TX. Takes under 2 minutes.
(888) 217-6781As a major city in Texas with 256,684 residents, Irving combines urban traffic density with suburban sprawl. This mix creates varied driving conditions — from congested downtown arteries to high-speed suburban connectors — that influence insurance pricing. Vehicle theft and accident rates in Irving track above the state average due to the metro area's size, but savvy drivers find competitive rates by comparing multiple carriers.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Irving can swing your premium by hundreds of dollars. Here's how rates compare across Irving neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 75069 | Irving South Side | $2,695/yr | $225/mo |
| 75061 | Irving North Side | $2,710/yr | $226/mo |
| 75076 | Irving West Side | $2,859/yr | $238/mo |
| 75064 | Irving East Side | $2,890/yr | $241/mo |
| 75060 | Irving Downtown/Central | $3,043/yr | $254/mo |
The cheapest ZIP is 75069 (Irving South Side) at $2,695/yr. The most expensive is 75060 (Irving Downtown/Central) at $3,043/yr — a $348/year difference for the same driver.
Your Irving ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Irving. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,987/yr | $499/mo | +110% vs avg |
| Young Adult (20-25) | $3,991/yr | $333/mo | +40% vs avg |
| Adult (26-35) | $2,851/yr | $238/mo | 0% vs avg |
| Mid-Career (36-50) | $2,509/yr | $209/mo | -12% vs avg |
| Senior (51-65) | $2,366/yr | $197/mo | -17% vs avg |
| 65+ | $2,537/yr | $211/mo | -11% vs avg |
Teens in Irving pay an average of $5,987/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,366/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Irving drivers can save up to $1,135/year. ZIP 75069 (Irving South Side) has the lowest rates starting at $2,695/yr.
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