Cheap Car Insurance in Irving, TX (July 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 23, 2025
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Cheap Car Insurance in Irving, TX (July 2025)

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Driving in Irving means navigating busy highways like State Highway 114 and Loop 12 while dealing with congestion from the city’s rapid growth. Its proximity to Dallas-Fort Worth International Airport adds steady traffic, and ongoing development brings frequent construction zones.

With a mix of commuters, visitors and business traffic, it’s wise to carry solid car insurance as you travel the Irving area.

More: Best car insurance in California

Cheapest minimum coverage insurance in Irving

Texas requires drivers to carry these minimum coverages:

  • $30,000 of bodily injury per person.
  • $60,000 of bodily injury per per accident.
  • $25,000 for property damage.

Here are the cheapest car insurance quotes that drivers in Irving received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$32 $383 Progressive 41 June 19, 2025 Irving, TX 75063
$34 $405 Progressive 62 March 16, 2025 Irving, TX 75038
$38 $459 Progressive 44 June 3, 2025 Irving, TX 75063
$43 $521 Progressive 39 June 16, 2025 Irving, TX 75062
$51 $607 Progressive 27 July 9, 2025 Irving, TX 75038
$53 $641 Bristol West 40 June 17, 2025 Irving, TX 75062
$55 $661 Progressive 42 June 20, 2025 Irving, TX 75063
$58 $697 Progressive 42 February 27, 2025 Irving, TX 75038
$58 $699 Assurance America 36 June 14, 2025 Irving, TX 75063
$58 $699 Progressive 41 June 19, 2025 Irving, TX 75038
Last Updated Jul 30, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

COMPARE CHEAP CAR INSURANCE QUOTES IN IRVING, TEXAS

More: Cheapest car insurance in California

Cheapest full coverage insurance in Irving

Drivers living in Irving may encounter all kinds of weather hazards, including hail, flooding, tornadoes and the occasional ice storm, according to FEMA’s National Risk Index. If bad weather damages your car, minimum coverage will not pay for your repairs, but full coverage may. These are the cheapest full coverage quotes that Jerry customers in Irving have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$68 $811 Progressive 44 June 22, 2025 Irving, TX 75062
$78 $941 Progressive 39 June 16, 2025 Irving, TX 75063
$81 $973 Progressive 37 June 13, 2025 Irving, TX 75062
$82 $985 Assurance America 40 June 17, 2025 Irving, TX 75063
$85 $1,017 Progressive 26 May 10, 2025 Irving, TX 75062
$89 $1,069 Progressive 36 June 13, 2025 Irving, TX 75061
$91 $1,093 Progressive 40 June 17, 2025 Irving, TX 75060
$91 $1,095 Progressive 45 June 28, 2025 Irving, TX 75038
$92 $1,107 Progressive 54 May 9, 2025 Irving, TX 75061
$96 $1,157 Progressive 37 June 13, 2025 Irving, TX 75063
Last Updated Jul 30, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

Cheapest car insurance for young drivers in Irving (18-29 years old)

Young drivers usually pay higher premiums because insurers view their limited driving experience as risky. Since insurers weigh this risk differently, getting quotes from multiple companies may help you find the cheapest coverage. Here are the cheapest quotes that Jerry customers in Irving received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$51 $607 Progressive 27 No July 9, 2025 Irving, TX 75038
$66 $791 Progressive 26 No July 16, 2025 Irving, TX 75063
$66 $797 Bristol West 28 No July 5, 2025 Irving, TX 75062
$67 $802 ROOT 23 No April 24, 2025 Irving, TX 75038
$72 $860 ROOT 28 No May 21, 2025 Irving, TX 75039
Last Updated Jul 30, 2025

Cheapest car insurance for mature drivers in Irving (30-54 years old)

Drivers between 30 and 54 years old typically receive lower rates than younger drivers, but to keep premiums as low as possible, it’s wise to compare quotes from different insurers when your policy is about to renew. Here are the cheapest car insurance quotes for mature drivers in Irving who received quotes via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$32 $383 Progressive 41 No June 19, 2025 Irving, TX 75063
$43 $521 Progressive 39 No June 16, 2025 Irving, TX 75062
$53 $641 Bristol West 40 No June 17, 2025 Irving, TX 75062
$55 $661 Progressive 42 No June 20, 2025 Irving, TX 75063
$58 $697 Progressive 42 No February 27, 2025 Irving, TX 75038
Last Updated Jul 30, 2025

Cheapest car insurance for older drivers in Irving (55+ years old)

Drivers who are over 54 years old usually pay relatively low premiums until their 70s, when rates could rise. Here are the cheapest quotes that seniors in Irving have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$65 $777 The General 58 April 13, 2025 Irving, TX 75060 No
$80 $960 Bluefire 57 May 1, 2025 Irving, TX 75062 No
$106 $1,274 ROOT 73 July 6, 2025 Irving, TX 75063 No
$110 $1,316 ROOT 66 June 30, 2025 Irving, TX 75063 No
$120 $1,438 Electric 73 May 3, 2025 Irving, TX 75061 No
Last Updated Jul 30, 2025

Cheapest car insurance for drivers with clean records in Irving

Drivers who have no claims, accidents, or violations on their records typically pay the lowest rates for auto insurance. Here are the cheapest quotes for drivers in Irving with clean records, based on Jerry data.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$32 $383 Progressive 41 June 19, 2025 No Irving, TX 75063
$43 $521 Progressive 39 June 16, 2025 No Irving, TX 75062
$51 $607 Progressive 27 July 9, 2025 No Irving, TX 75038
$53 $641 Bristol West 40 June 17, 2025 No Irving, TX 75062
$55 $661 Progressive 42 June 20, 2025 No Irving, TX 75063
$58 $697 Progressive 42 February 27, 2025 No Irving, TX 75038
$59 $713 Liberty Mutual 32 July 25, 2025 No Irving, TX 75039
$64 $763 National General 41 June 29, 2025 No Irving, TX 75039
$64 $765 Bristol West 40 June 18, 2025 No Irving, TX 75061
$65 $777 The General 58 April 13, 2025 No Irving, TX 75060
Last Updated Jul 30, 2025

Cheapest car insurance for drivers with low credit scores in Irving

Texas allows insurers to use your credit history to help set your premium, meaning a low score could result in a more expensive policy. If you have a low score, compare quotes from multiple insurers to find the cheapest option. Below are the cheapest quotes that Irving drivers with credit scores below 550 have received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $109 $1,305 Assurance America 56 July 25, 2024 Irving, TX 75038
<550 $111 $1,331 Gainsco 45 July 20, 2025 Irving, TX 75038
<550 $112 $1,343 Progressive 51 March 21, 2025 Irving, TX 75063
<550 $124 $1,493 The General 37 June 20, 2025 Irving, TX 75062
<550 $128 $1,531 Progressive 36 December 30, 2024 Irving, TX 75063
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Irving

Drivers who have a new at-fault accident on their records typically see their insurance costs rise. Therefore, it’s wise to compare quotes just before your renewal date to find the cheapest option.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $59 $703 Progressive 47 No May 28, 2025 Irving, TX 75062
At Fault With No Injury $71 $857 Progressive 25 No April 9, 2025 Irving, TX 75038
At Fault With No Injury $78 $937 Progressive 74 Yes October 14, 2024 Irving, TX 75061
At Fault With No Injury $93 $1,115 Assurance America 25 No July 11, 2025 Irving, TX 75060
At Fault With No Injury $95 $1,139 Progressive 25 No April 3, 2025 Irving, TX 75061
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with speeding tickets in Irving

A speeding citation will typically cause your auto policy premiums to rise. To ensure you are getting the best rate, it’s wise to get multiple quotes when your renewal date is close. Here are the cheapest quotes Jerry customers with speeding tickets in Irving have received.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $81 $967 Progressive 30 August 18, 2024 Irving, TX 75063
Speeding under 15 $97 $1,169 Bristol West 28 July 8, 2025 Irving, TX 75038
Speeding under 15 $102 $1,223 Progressive 29 December 24, 2024 Irving, TX 75063
Speeding over 15 $128 $1,536 Progressive 41 February 24, 2025 Irving, TX 75062
Speeding under 15 $129 $1,543 Progressive 22 November 22, 2024 Irving, TX 75038
Last Updated Jul 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.