Find Car Insurance in Irving, TX

What You Should Know About Car Insurance in Irving, TX

Living in Irving offers a blend of suburban comfort and city convenience, with a vibrant community, excellent schools, and a variety of things to do year-round. The city’s central location makes it a prime spot for commuting, whether you’re heading to work in Dallas or visiting nearby attractions.

Driving is part of daily life, from navigating neighborhood streets to merging onto major highways like I-635 and Highway 114. With traffic volume and unpredictable weather, having reliable car insurance in Texas is essential for staying safe and avoiding costly surprises. InsureOne makes it simple to find quality coverage tailored to your needs, keeping you protected wherever the road takes you.

How Much Does Car Insurance Cost in Irving, TX?

On average, drivers in Irving pay about $175 a month for full coverage. For the state-required minimum liability coverage, the average cost is around $53 per month.

When comparing these rates to national averages, full coverage in Texas tends to be slightly higher. The national average for full coverage is approximately $168 monthly. For minimum coverage, the national average is about $52, making Irving’s average slightly higher.

What Does it Mean if Texas is an At-Fault State?

In Texas, car insurance works a little differently than in some other states. Texas is an at-fault state, which means that if you cause an accident, you (or your insurance) are responsible for paying for the other person’s damages — like car repairs or medical bills.

That’s why liability coverage is required by law here. In a no-fault state, each driver’s insurance would cover their own expenses, no matter who caused the crash. But in Texas, the person who wasn’t at fault can file a claim with the at-fault driver’s insurance or even take legal action if needed. Long story short: having the right car insurance is a must to protect yourself from unexpected costs if something happens on the road.

Affordable Car Insurance Rates Comparison by Cities in Texas

For a comparison of the average monthly premiums paid in state cities, check out our breakdown below.

City	Full Coverage	Minimum Coverage
Irving	$151	$38
Andrews	$160	$50
San Antonio	$140	$42
Austin	$145	$44
Fort Worth	$135	$40
El Paso	$130	$38

What Types of Car Insurance Discounts are Available in Irving?

Driving in this town means dealing with busy highways and unpredictable weather, but you can save on car insurance by taking advantage of discounts. Here are some of the most common ways to lower your premium:

• Safe Driver – Get rewarded for a clean driving record.
• Multi-Policy – Bundle car and homeowners insurance for a discount.
• Defensive Driving – Complete a course to reduce your rate.
• Anti-Theft Device – Install security features to save.
• Good Student – Discounts for students with strong grades.
• Paid-in-Full – Save by paying your policy upfront.

Notable Car Insurance Laws in Irving

Like the rest of Texas, Irving drivers must meet minimum liability coverage requirements. Drivers turning onto a paved road from an unpaved one must yield to traffic on the paved road. Learners permit drivers are also prohibited from using cellphones during their first six months — a smart habit to maintain even with a full license.

What Are the Mandatory Car Insurance Requirements in Irving?

To drive legally in this town, you must carry at least the state’s minimum required liability coverage. This coverage helps pay for damages if you’re found at fault in an accident. Here’s what the law requires:

• Bodily Injury Liability – $30,000 per person and $60,000 per accident to cover medical costs for others.
• Property Damage Liability – $25,000 to cover repairs or replacement of someone else’s vehicle or property.

These limits are the bare minimum, but additional coverage can provide more financial protection in case of unexpected accidents.

What Is the Penalty for Driving Without Insurance in Irving?

Driving without insurance in Irving can lead to more than just a fine — it can cause long-term headaches. Fines for a first offense start around $175 and can climb to $350, with higher penalties for repeat violations. Your driver’s license and vehicle registration could also be suspended until you provide proof of coverage.

In some cases, you may be required to file an SR-22 — a special form that proves you carry the state’s minimum insurance — which often leads to higher premiums. If your car gets impounded, you’ll also be on the hook for towing and storage fees. Staying insured not only keeps you compliant with the law but also helps you avoid expensive and stressful consequences.

Do Irving-Specific Laws Play a Role in Determining Your Insurance Premiums?

They sure do! While Texas sets the basic rules for car insurance, things like traffic patterns and local driving habits in Irving can impact what you pay. With busy roads like I-635 and a growing population, more traffic means a higher chance of accidents — and that can drive up rates.

Even unique city rules, like yielding to traffic on paved roads when turning from an unpaved one, factor into how insurers see risk. And if you’ve ever had to file an SR-22 after a violation, that’s likely to bump your premium even more. Knowing how Irving’s local quirks affect your rates can help you make smarter insurance choices.

Here’s What You Need to Know When Driving in Texas

Driving in Texas isn’t just about wide-open highways and scenic backroads — there are a few rules and quirks you’ll want to keep in mind to stay safe and legal on the road. Whether you’re a new driver or just need a refresher, here are some important driving tips to know:

• Texas Is an At-Fault State – If you cause an accident, you’re responsible for covering damages. Make sure your insurance meets the state’s minimum liability requirements to avoid penalties.
• Yield to Traffic on Paved Roads – When turning onto a paved road from an unpaved one, you must yield to the cars on the paved road. This is a lesser-known rule that can catch drivers off guard.
• No Cellphones for Learner’s Permit Drivers – If you’re driving with a learner’s permit, you’re not allowed to use a cellphone in any capacity for the first six months. It’s a good habit to continue even after you get your full license.
• Watch for Speed Limits – Texas has some of the highest speed limits in the country, but they vary depending on the road. Pay attention to signs, especially in school zones or construction areas, where fines can be steep.

How Many Car Accidents Happen in Irving Per Year?

Each year, Irving experiences around 4,698 car accidents. That number shows the importance of practicing safe driving to ensure you don’t get in or even cause an accident that could lead to serious injuries. Here’s the fatalities caused by accidents in cities in Texas, including Irving:

City	Number of Accidents
Irving	19
San Antonio	184
Austin	109
Fort Worth	113
Houston	301

 

How Many Uninsured/Underinsured Motorists Are in Irving

Around 20% of drivers in Irving are uninsured or underinsured. That means one in five drivers may not be able to cover damages after an accident. This can cause insurance rates to rise for everyone, as insurers adjust premiums to account for the risk. Adding uninsured/underinsured motorist coverage to your policy helps protect you from paying out of pocket if you’re hit by someone without proper coverage.