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.
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 quotes that drivers in Irving received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $34 | $409 | Progressive | 39 | February 3, 2024 | Irving, TX | 75063 |
| $55 | $657 | Bristol West | 37 | October 22, 2024 | Irving, TX | 75062 |
| $67 | $809 | Bristol West | 40 | November 30, 2023 | Irving, TX | 75039 |
| $70 | $843 | Progressive | 58 | December 9, 2023 | Irving, TX | 75039 |
| $72 | $859 | Progressive | 33 | December 4, 2023 | Irving, TX | 75063 |
| $73 | $877 | Assurance America | 43 | May 21, 2025 | Irving, TX | 75063 |
| $73 | $879 | Progressive | 32 | June 24, 2024 | Irving, TX | 75039 |
| $74 | $889 | Progressive | 61 | June 24, 2024 | Irving, TX | 75062 |
| $77 | $927 | Aspen | 71 | December 2, 2023 | Irving, TX | 75061 |
| $78 | $935 | Progressive | 26 | April 9, 2025 | Irving, TX | 75063 |
If you have a loan or lease on your vehicle, the lender will require
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $66 | $787 | Progressive | 34 | September 28, 2024 | Irving, TX | 75039 |
| $66 | $788 | Progressive | 27 | May 22, 2024 | Irving, TX | 75063 |
| $78 | $937 | Progressive | 74 | October 14, 2024 | Irving, TX | 75061 |
| $83 | $997 | Progressive | 27 | January 21, 2024 | Irving, TX | 75062 |
| $84 | $1,009 | Progressive | 48 | July 2, 2024 | Irving, TX | 75039 |
| $87 | $1,043 | Progressive | 26 | January 27, 2025 | Irving, TX | 75063 |
| $88 | $1,059 | Progressive | 53 | February 25, 2025 | Irving, TX | 75061 |
| $102 | $1,225 | Progressive | 27 | May 16, 2025 | Irving, TX | 75062 |
| $103 | $1,233 | Progressive | 44 | January 3, 2024 | Irving, TX | 75063 |
| $104 | $1,243 | Progressive | 42 | February 4, 2024 | Irving, TX | 75038 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $66 | $788 | Progressive | 27 | Yes | May 22, 2024 | Irving, TX | 75063 |
| $78 | $935 | Progressive | 26 | No | April 9, 2025 | Irving, TX | 75063 |
| $78 | $939 | Assurance America | 29 | No | March 12, 2025 | Irving, TX | 75063 |
| $78 | $941 | Progressive | 28 | No | May 12, 2025 | Irving, TX | 75038 |
| $83 | $997 | Progressive | 27 | Yes | January 21, 2024 | Irving, TX | 75062 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $34 | $409 | Progressive | 39 | No | February 3, 2024 | Irving, TX | 75063 |
| $55 | $657 | Bristol West | 37 | No | October 22, 2024 | Irving, TX | 75062 |
| $66 | $787 | Progressive | 34 | Yes | September 28, 2024 | Irving, TX | 75039 |
| $67 | $809 | Bristol West | 40 | No | November 30, 2023 | Irving, TX | 75039 |
| $72 | $859 | Progressive | 33 | No | December 4, 2023 | Irving, TX | 75063 |
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 older drivers in Irving have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $70 | $843 | Progressive | 58 | December 9, 2023 | Irving, TX | 75039 | No |
| $74 | $889 | Progressive | 61 | June 24, 2024 | Irving, TX | 75062 | No |
| $77 | $927 | Aspen | 71 | December 2, 2023 | Irving, TX | 75061 | No |
| $78 | $937 | Progressive | 74 | October 14, 2024 | Irving, TX | 75061 | Yes |
| $80 | $957 | Aspen | 58 | March 11, 2024 | Irving, TX | 75038 | No |
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 Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $34 | $409 | Progressive | 39 | February 3, 2024 | No | Irving, TX | 75063 |
| $55 | $657 | Bristol West | 37 | October 22, 2024 | No | Irving, TX | 75062 |
| $66 | $787 | Progressive | 34 | September 28, 2024 | Yes | Irving, TX | 75039 |
| $66 | $788 | Progressive | 27 | May 22, 2024 | Yes | Irving, TX | 75063 |
| $67 | $809 | Bristol West | 40 | November 30, 2023 | No | Irving, TX | 75039 |
| $70 | $843 | Progressive | 58 | December 9, 2023 | No | Irving, TX | 75039 |
| $72 | $859 | Progressive | 33 | December 4, 2023 | No | Irving, TX | 75063 |
| $73 | $877 | Assurance America | 43 | May 21, 2025 | No | Irving, TX | 75063 |
| $73 | $879 | Progressive | 32 | June 24, 2024 | No | Irving, TX | 75039 |
| $74 | $889 | Progressive | 61 | June 24, 2024 | No | Irving, TX | 75062 |
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 | $73 | $877 | Assurance America | 43 | May 21, 2025 | Irving, TX | 75063 |
| <550 | $91 | $1,097 | The General | 30 | December 19, 2024 | Irving, TX | 75060 |
| <550 | $100 | $1,203 | Assurance America | 44 | April 16, 2025 | Irving, TX | 75038 |
| <550 | $129 | $1,551 | Bristol West | 28 | April 9, 2025 | Irving, TX | 75038 |
| <550 | $136 | $1,629 | Gainsco | 51 | March 21, 2025 | Irving, TX | 75063 |
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 | $78 | $937 | Progressive | 74 | Yes | October 14, 2024 | Irving, TX | 75061 |
| At Fault With No Injury | $78 | $939 | Assurance America | 29 | No | March 12, 2025 | Irving, TX | 75063 |
| At Fault With No Injury | $83 | $995 | Progressive | 49 | No | January 1, 2025 | Irving, TX | 75062 |
| At Fault With No Injury | $83 | $997 | Progressive | 27 | Yes | January 21, 2024 | Irving, TX | 75062 |
| At Fault With No Injury | $89 | $1,067 | Progressive | 37 | No | March 2, 2025 | Irving, TX | 75063 |
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 over 15 | $89 | $1,063 | Assurance America | 33 | May 19, 2025 | Irving, TX | 75039 |
| Speeding over 15 | $105 | $1,261 | Aspen | 33 | September 30, 2024 | Irving, TX | 75038 |
| Speeding under 15 | $114 | $1,363 | Progressive | 24 | March 22, 2025 | Irving, TX | 75060 |
| Speeding over 15 | $126 | $1,513 | Progressive | 32 | February 14, 2024 | Irving, TX | 75061 |
| Speeding over 15 | $142 | $1,707 | Progressive | 29 | July 4, 2024 | Irving, TX | 75039 |
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.
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.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
