Irving Car Insurance

Learn how to find the right car insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


Irving, which falls inside the Dallas-Fort Worth metroplex, is an important center of transportation and business activity. Part of the Dallas-Fort Worth International Airport lies within the city limits, and the city also hosts the Irving Convention Center. If you live in this large suburb, make sure you protect yourself and your family on the road with the right Irving, TX car insurance.

Finding good coverage at a fair price is as simple as contacting a local, independent Trusted Choice® agent. One of these professionals can help you compare Irving auto insurance quotes and answer any questions you may have. Contact a member agent today to get the right coverage for your needs.

Texas Car Insurance Costs

  • National average cost per year: $1,311
  • Texas average cost per year: $1,449
  • 17th highest premiums in the U.S.

Although premiums in Texas tend to run above the national average, keep in mind that is only an estimate. Your actual price will vary, depending on your car, age, driving record, and how far you drive each day.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Texas Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist: not required.
  • Minimum liability limits: 30/60/25
    • Coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual, and $25,000 coverage for property damage

Irving residents are required by law to carry a minimum level of liability insurance. There are stiff penalties for failure to carry the required insurance coverage. First offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their vehicle, and license suspension.

In addition to costing money in car repairs, serious accidents can lead to additional expenses because of medical bills and lost wages. Personal injury protection (PIP) pays for some of these costs. It is not included in the required minimum policy, but PIP can be added as a policy option.

You should also consider adding collision coverage, to cover the cost of repairs to your own vehicle, if you cause an accident or collide with an object such as a pole or tree.

Texas Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Texas uninsured motorists: 13.3%
  • Average vehicle repair cost in Texas: $2,434

You will also want to consider coverage to protect you in the event you're in an accident with an uninsured motorist. Although this coverage is not required in Texas, your agent may suggest that you purchase it.

Automobile Thefts in Texas

  • National vehicle thefts in 2010 (per 1,000 registered vehicles): 2.94
  • Texas vehicle thefts  (per 1,000 registered vehicles): 3.28

Irving is in the Dallas-Fort Worth metropolitan area, which is ranked 58th in the country for car theft risks by the National Insurance Crime Bureau. You can reduce your risk of theft by simple measures like leaving your vehicle in a well-lit, secure area, locking your car, and keeping any valuables stowed out of sight. You can also protect your investment with comprehensive coverage, which includes vehicle theft and vandalism. It also covers collisions with animals, fire, falling trees, and weather-related damage.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

How to Compare Irving Auto Insurance Quotes

To protect your budget and your vehicle, you need the right Irving car insurance at a price you can afford. A Trusted Choice member agent will help you compare a variety of Irving car insurance rates, select the best coverage options for your situation, and answer your questions about coverage. Contact a local agent today.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn