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 accident.
- $25,000 for property damage.
Here are the cheapest car insurance quotes that drivers in Irving received via Jerry.
If you have a loan or lease on your vehicle, the lender will require
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $73 | $881 | 42 | 06/20/25 | 75038 | ||
| $77 | $921 | 45 | 08/05/25 | 75063 | ||
| $78 | $937 | 37 | 06/13/25 | 75061 | ||
| $83 | $997 | 40 | 06/17/25 | 75062 | ||
| $94 | $1,124 | 33 | 10/10/25 | 75038 | ||
| $94 | $1,133 | 53 | 11/03/25 | 75060 | ||
| $95 | $1,144 | 25 | 05/17/25 | 75063 | ||
| $96 | $1,157 | 48 | 08/25/25 | 75062 | ||
| $99 | $1,184 | 26 | 06/03/25 | 75039 | ||
| $104 | $1,248 | 60 | 10/15/25 | 75038 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $24 | $288 | 26 | No | 10/12/25 | 75038 | ||
| $24 | $293 | 26 | No | 08/01/25 | 75039 | ||
| $32 | $386 | 23 | No | 07/29/25 | 75038 | ||
| $32 | $386 | 26 | No | 10/09/25 | 75038 | ||
| $35 | $418 | 25 | No | 10/26/25 | 75039 | ||
| $94 | $1,133 | 53 | 11/03/25 | 75060 | |||
| $95 | $1,144 | 25 | 05/17/25 | 75063 | |||
| $96 | $1,157 | 48 | 08/25/25 | 75062 | |||
| $99 | $1,184 | 26 | 06/03/25 | 75039 | |||
| $104 | $1,248 | 60 | 10/15/25 | 75038 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $42 | $506 | 32 | No | 10/21/25 | 75063 | ||
| $45 | $545 | 39 | No | 06/16/25 | 75061 | ||
| $49 | $587 | 53 | No | 11/03/25 | 75060 | ||
| $51 | $608 | 46 | No | 06/26/25 | 75063 | ||
| $52 | $621 | 31 | No | 08/11/25 | 75060 | ||
| $94 | $1,133 | 53 | 11/03/25 | 75060 | |||
| $95 | $1,144 | 25 | 05/17/25 | 75063 | |||
| $96 | $1,157 | 48 | 08/25/25 | 75062 | |||
| $99 | $1,184 | 26 | 06/03/25 | 75039 | |||
| $104 | $1,248 | 60 | 10/15/25 | 75038 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $73 | $873 | 65 | 10/04/25 | 75063 | No | ||
| $79 | $950 | 55 | 08/19/25 | 75062 | No | ||
| $101 | $1,216 | 74 | 09/01/25 | 75063 | No | ||
| $115 | $1,385 | 66 | 06/30/25 | 75063 | Yes | ||
| $120 | $1,445 | 59 | 08/21/25 | 75062 | Yes | ||
| $94 | $1,133 | 53 | 11/03/25 | 75060 | |||
| $95 | $1,144 | 25 | 05/17/25 | 75063 | |||
| $96 | $1,157 | 48 | 08/25/25 | 75062 | |||
| $99 | $1,184 | 26 | 06/03/25 | 75039 | |||
| $104 | $1,248 | 60 | 10/15/25 | 75038 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $24 | $293 | 26 | 08/01/25 | No | 75039 | ||
| $26 | $307 | 23 | 07/29/25 | No | 75038 | ||
| $26 | $308 | 26 | 10/09/25 | No | 75038 | ||
| $42 | $506 | 32 | 10/21/25 | No | 75063 | ||
| $45 | $545 | 39 | 06/16/25 | No | 75061 | ||
| $49 | $587 | 53 | 11/03/25 | No | 75060 | ||
| $51 | $608 | 46 | 06/26/25 | No | 75063 | ||
| $52 | $621 | 31 | 08/11/25 | No | 75060 | ||
| $54 | $647 | 43 | 06/21/25 | No | 75063 | ||
| $59 | $705 | 44 | 06/23/25 | No | 75061 |
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
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $87 | $1,045 | 34 | 06/03/25 | 75062 | ||
| <550 | $92 | $1,103 | 47 | 03/07/25 | 75063 | ||
| <550 | $99 | $1,183 | 33 | 11/01/25 | 75039 | ||
| <550 | $137 | $1,641 | 25 | 09/11/25 | 75038 | ||
| <550 | $137 | $1,649 | 44 | 09/28/25 | 75061 | ||
| $49 | $587 | 53 | 75060 | ||||
| $51 | $608 | 46 | 75063 | ||||
| $52 | $621 | 31 | 75060 | ||||
| $54 | $647 | 43 | 75063 | ||||
| $59 | $705 | 44 | 75061 |
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 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 | 47 | No | 05/29/25 | 75062 | ||
| At Fault With No Injury | $76 | $911 | 25 | No | 08/23/25 | 75060 | ||
| At Fault With No Injury | $94 | $1,123 | 28 | No | 08/29/25 | 75063 | ||
| At Fault With No Injury | $95 | $1,139 | 25 | No | 04/03/25 | 75061 | ||
| At Fault With No Injury | $104 | $1,243 | 60 | Yes | 10/14/25 | 75063 | ||
| $49 | $587 | 53 | No | 75060 | ||||
| $51 | $608 | 46 | No | 75063 | ||||
| $52 | $621 | 31 | No | 75060 | ||||
| $54 | $647 | 43 | No | 75063 | ||||
| $59 | $705 | 44 | No | 75061 |
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $81 | $972 | 47 | 08/11/25 | 75039 | ||
| Speeding over 15 | $103 | $1,240 | 40 | 09/16/25 | 75039 | ||
| Speeding under 15 | $104 | $1,244 | 24 | 10/30/25 | 75060 | ||
| Speeding under 15 | $111 | $1,333 | 30 | 08/14/25 | 75039 | ||
| Speeding under 15 | $132 | $1,584 | 25 | 07/13/25 | 75062 | ||
| $49 | $587 | 53 | 11/03/25 | 75060 | |||
| $51 | $608 | 46 | 06/26/25 | 75063 | |||
| $52 | $621 | 31 | 08/11/25 | 75060 | |||
| $54 | $647 | 43 | 06/21/25 | 75063 | |||
| $59 | $705 | 44 | 06/23/25 | 75061 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from 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 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.
