Irving, TX
Insuring your car and home in Irving, TX
How Irving households can compare car and home coverage, with local Census data. A quote is not a binder.
Irving has about 258,060 residents in Dallas County. 66% of its workers drive to work alone and 38% of households own their home, so most families here need both a car policy and a homeowners policy.
Irving driving profile
| Measure | Irving | Texas |
|---|---|---|
| Drive alone to work | 66% | 71% |
| Carpool | 11% | 10% |
| Work from home | 20% | 14% |
| Commute of 45 minutes or more | 10% | 17% |
| Commute under 15 minutes | 22% | 25% |
| Households with no vehicle | 6% | 5% |
| Households with 3 or more vehicles | 17% | 22% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Irving commutes are shorter than the Texas norm, with 10% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Remote work is common here: 20% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
17% of Irving households keep three or more vehicles, and 6% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The Irving homeowners picture
Homes in Irving carry a median value of $315,600 and a median construction year of 1986. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
For context, the NAIC's 2023 average HO-3 premium in Texas was $2,479 for homes insured in the $300,000–$324,999 range, and $2,864 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Texas auto minimums that apply in Irving
Texas requires liability limits of at least 30/60/25. Other required coverage: none beyond liability (PIP and UM must be rejected in writing). Those are floors; with Irving's median home value at $315,600, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a Irving household
With 38% of households owning their home, bundling is an option for most Irving families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Weather and road risks around Irving
Insurers in Texas price for flash flooding and large hail. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
Irving compared with nearby cities
Dallas shows 16% working from home and a median home value of $320,700. In Garland, 62% own their home and 26% of households have three or more vehicles. Grand Prairie: 73% drive alone, 17% commute 45+ minutes, median home $295,500. Irving ranks 18th for long commutes among the 30 Texas cities we profile.
Gathering details for a Irving auto and home quote
- Home details: size, age, construction
- Mortgage company for the home
- Roof age and material
- Recent claims or violations
- Your existing policies and renewal dates
- Everyone in the household who drives
Questions from Irving drivers and homeowners
What are the minimum car insurance limits for Irving drivers?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
How long are commutes in Irving?
About 10% of Irving workers commute 45 minutes or more and 22% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Irving?
There is no single price. As context, Texas HO-3 policies averaged $2,864 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research