Cheapest Auto Insurance in Fort Worth, Texas (2024)
State Farm offers the cheapest car insurance in Fort Worth, with minimum-coverage policies as low as $37 per month.
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Written byDaria Kelly Uhlig
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Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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Edited byDanny Smith
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Licensed auto and home insurance agent
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As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated October 30, 2024
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Table of contents
Drivers in Fort Worth pay an overall average of $183 per month for car insurance, though rates vary widely depending on your insurer and your driving history. Due to Forth Worth's population density, its drivers tend to pay more than motorists in several other Texas cities.
National insurers State Farm, GEICO, and USAA have some of the best car insurance rates in Fort Worth. All three companies compare quite favorably to the state’s overall average cost of $182 per month, according to Insurify data. To find the best rates for you, compare quotes and look at the different coverages available.
Quick Facts
State Farm, GEICO, and Allstate have the cheapest car insurance in Fort Worth.
Drivers in Forth Worth pay $121 for liability coverage and $245 for full coverage, on average.
All Texas car insurance policies include personal injury protection (PIP) unless you request that it be removed.
3 of the cheapest car insurance companies in Fort Worth
Car insurance rates vary widely in Fort Worth, but cost isn’t the only factor you should consider. Companies consider your age, location, driving record, credit history, and more when offering you quotes. The best car insurance company for you is the one that provides the coverage you need at rates that work with your budget. The quotes in the table below represent overall Texas averages, not just Fort Worth.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $67 | $37 | Cheap rates |
| GEICO | 9.0 | $73 | $40 | Discounts |
| USAA | 9.4 | $119 | $66 | Military members and their families |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $37/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $64/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is America’s most popular insurance company for good reason. First, it helps you save money with discounts for bundling policies and participating in programs like Drive Safe & Save and Steer Clear. In addition, it offers optional coverages that protect you when you’re driving for a rideshare service or when an accident leaves you stranded while traveling.
Pros
Some of the lowest rates in Fort Worth
Good selection of coverages
Cons
No usage-based insurance
Drive Safe & Save discounts not available in all states
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $70/mo |
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers low rates and coverage for a variety of vehicles, including ATVs and collectible cars. You can even get covered to drive your car in Mexico. But where GEICO really shines is with its discounts.
GEICO will discount your insurance policy if your car is new or has certain safety equipment installed. GEICO also reduces rates for active and past members of the military, federal employees, and anyone who belongs to one of more than 500 groups to which GEICO offers discounts.
Pros
Many ways to save
Offers Mexico car insurance
Cons
Difficult to get customer support by phone vs. mobile app or virtual agent
Limited optional coverage
Best insurer for military members and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $115/mo |
4.9
Best choiceBased on 1573 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (897)
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
Dorothy
October 29, 2024
Verified Review
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin
October 29, 2024
Verified Review
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA isn’t the cheapest auto insurance company in Fort Worth. But its rates are well below average for liability-only and full-coverage insurance, and it earned Insurify’s second-highest IQ Score among Fort Worth insurers.
USAA was founded by Army officers in 1922, and its focus remains on members of the military and their families. Its vehicle insurance options might be the most extensive available in Fort Worth, with coverage for bicycles, electric bikes, and, through a third party, a variety of planes, including experimental aircraft.
Pros
Specializes in meeting the needs of military members and their families
Coverage for many vehicle types
Cons
Doesn’t have the lowest rates
Not available to non-military
)
Check Out: Cheapest Car Insurance Companies with Affordable Rates
How to get the cheapest car insurance in Fort Worth
Insurance companies consider several factors when calculating your insurance rate, including:[1]
Type of coverage and coverage amount
Credit history
Driving habits
ZIP code
Age and gender
Deductible
Here are some steps you can take to keep rates down:
Drive safely to avoid speeding tickets and accidents.
Improve your credit.
Raise your deductible.
Take advantage of discounts for bundling policies.
Maintain a clean driving record.
It’s also a good idea to shop around. Comparing quotes and coverage options from several Fort Worth insurance companies will help you find the best deal.
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Cheapest liability-only car insurance in Fort Worth: State Farm
Liability insurance covers the cost of the other driver’s car repairs and medical bills — as well as their passengers’ — if you’re at fault in an accident. Most states require a certain amount of liability coverage, but if the minimum isn’t enough to adequately protect your finances, you can purchase additional coverage.[2]
Buying only minimum coverage can be a way to save money, but this type of policy isn't for everyone. A liability-only policy can make sense if you own an older, less expensive vehicle and don't have an auto loan on it.
Liability-only policies in Fort Worth cost $121 per month, on average. The following table shows minimum coverage quotes for Fort Worth drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $37 |
| GEICO | $40 |
| Allstate | $52 |
| Mile Auto | $54 |
| Hugo | $57 |
| USAA | $65 |
| Nationwide | $82 |
| Mercury | $84 |
| Safeco | $85 |
| Midvale Home & Auto | $96 |
| Progressive | $97 |
| Dairyland | $103 |
| Chubb | $112 |
| Clearcover | $112 |
| National General | $119 |
| 21st Century | $129 |
| Elephant | $130 |
| Direct Auto | $131 |
| Commonwealth Casualty | $135 |
| Liberty Mutual | $135 |
| The General | $137 |
| Bristol West | $148 |
| GAINSCO | $156 |
| State Auto | $171 |
| AssuranceAmerica | $173 |
| Infinity | $193 |
| Hallmark | $194 |
| Foremost | $218 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fort Worth: State Farm
Liability insurance doesn’t cover your own damages. For that, you need full-coverage car insurance, which adds collision and comprehensive coverages to your liability insurance. Collision covers the cost of repairing or replacing your car if you’re in a collision with another vehicle or a stationary object like a light pole. Comprehensive covers damage from non-collision events, such as fire, flood, theft, and vandalism.
Full coverage makes sense if you drive a newer vehicle, or one that will be more expensive to repair. If you lease or finance your car, your leasing company or lender will also likely require you to buy full coverage.
Drivers in Fort Worth pay an average of $245 per month for full-coverage insurance. Here are full-coverage quotes from some top insurers in Forth Worth.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $64 |
| GEICO | $70 |
| Allstate | $91 |
| Mile Auto | $113 |
| USAA | $115 |
| Clearcover | $140 |
| Mercury | $140 |
| Hugo | $142 |
| Nationwide | $164 |
| Progressive | $170 |
| Safeco | $171 |
| Midvale Home & Auto | $177 |
| Chubb | $195 |
| Elephant | $219 |
| 21st Century | $226 |
| AssuranceAmerica | $232 |
| National General | $256 |
| Direct Auto | $264 |
| Dairyland | $267 |
| Liberty Mutual | $275 |
| The General | $293 |
| Bristol West | $308 |
| Infinity | $310 |
| State Auto | $331 |
| GAINSCO | $343 |
| Commonwealth Casualty | $359 |
| Foremost | $455 |
| Hallmark | $457 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Recent quotes for Texas drivers in and around Forth Worth
Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $59/mo for full coverage in Fort Worth and other Texas cities.
*Quotes generated for Insurify users in and around Fort Worth, Texas within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fort Worth, Texas within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
Texas law requires proof that you can pay for any accidents you cause. For the vast majority of Fort Worth drivers, the best way to provide it is by purchasing 30/60/25 liability insurance to cover the following state minimum liability requirements:[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person $60,000 per accident |
| Property damage liability | $25,000 per accident |
All Texas policies come with personal injury protection, or PIP, which pays for your and your passengers’ medical bills as well as lost wages and other costs, according to the Texas Department of Insurance.
Other coverages you should consider include:
Medical payments coverage
Medical payments covers you and your passengers. It also covers you if you’re hurt while walking, biking, or riding in someone else’s car.
Uninsured/underinsured motorist coverage
This covers you if you’re hit by an underinsured or uninsured driver or are the victim of a hit-and-run.
Roadside assistance coverage
Roadside assistance coverage pays for towing if your car breaks down and labor charges to fix a flat or jump-start your battery.
Rental reimbursement coverage
Rental reimbursement coverage pays for a rental while your car is out of commission after an accident or theft.
Cheapest car insurance for drivers with an incident
Any event you report to an insurance company or that gets reported has the potential to increase your rates. These events are called chargeable incidents, and insurance companies take them seriously because they indicate that you’re a higher-risk driver who is more likely to file a claim. Incidents include at-fault accidents, speeding tickets, and DUI convictions.
Find Cheap Car Insurance in Fort Worth, TX
Monthly rates start at $45 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding increases your risk of getting into an accident, and it also increases the severity of injuries and vehicle damage. As a result, insurance companies penalize drivers for being ticketed for speeding, especially if they’ve accumulated multiple tickets over a short period. But even one ticket can raise your rates.
The average cost of car insurance for drivers with a speeding ticket in Fort Worth is $336 per month for full coverage and $166 for liability only. The following table illustrates how a speeding ticket affects liability rates from top insurers in Fort Worth.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $37 | $47 |
| GEICO | $40 | $51 |
| Allstate | $52 | $66 |
| Mile Auto | $54 | $71 |
| Hugo | $57 | $72 |
| USAA | $65 | $83 |
| Nationwide | $82 | $106 |
| Mercury | $84 | $115 |
| Safeco | $85 | $110 |
| Progressive | $97 | $124 |
| Dairyland | $103 | $132 |
| Chubb | $112 | $145 |
| Clearcover | $112 | $145 |
| National General | $119 | $153 |
| 21st Century | $129 | $171 |
| Elephant | $130 | $180 |
| Direct Auto | $131 | $167 |
| Commonwealth Casualty | $135 | $187 |
| Liberty Mutual | $135 | $187 |
| The General | $137 | $177 |
| Bristol West | $148 | $189 |
| GAINSCO | $156 | $216 |
| State Auto | $171 | $238 |
| AssuranceAmerica | $173 | $224 |
| Infinity | $193 | $256 |
| Foremost | $218 | $302 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Unless your auto insurance coverage includes accident forgiveness, an at-fault accident is likely to increase your insurance rate. The size of the increase depends on the claim and your insurance company. In Fort Worth, the average cost of car insurance for drivers with an accident is $357 per month for full coverage and $176 for liability only.
Here you can see how an at-fault accident affects liability rates from the cheapest car insurance companies for Fort Worth drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $37 | $50 |
| GEICO | $40 | $54 |
| Allstate | $52 | $71 |
| Mile Auto | $54 | $77 |
| Hugo | $57 | $83 |
| USAA | $65 | $88 |
| Nationwide | $82 | $112 |
| Mercury | $84 | $122 |
| Safeco | $85 | $113 |
| Progressive | $97 | $133 |
| Dairyland | $103 | $139 |
| Chubb | $112 | $153 |
| Clearcover | $112 | $163 |
| National General | $119 | $163 |
| 21st Century | $129 | $180 |
| Elephant | $130 | $173 |
| Direct Auto | $131 | $181 |
| Commonwealth Casualty | $135 | $179 |
| Liberty Mutual | $135 | $196 |
| The General | $137 | $189 |
| Bristol West | $148 | $200 |
| GAINSCO | $156 | $203 |
| State Auto | $171 | $254 |
| AssuranceAmerica | $173 | $233 |
| Infinity | $193 | $258 |
| Foremost | $218 | $317 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Under Texas law, you’re legally intoxicated when your blood-alcohol content reaches 0.08%, but any impairment that affects your driving is illegal.[4] First offenders get a $2,000 fine, three to 180 days in jail, and loss of driving privileges for up to a year. And they can also expect to see a hefty increase in their insurance premium for several years.
Fort Worth drivers pay an average of $406 per month for full coverage and $200 for liability only after a DUI conviction. The table below compares rates for Forth Worth drivers with clean driving records vs. those with DUI convictions.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $37 | $61 |
| GEICO | $40 | $66 |
| Allstate | $52 | $86 |
| Mile Auto | $54 | $89 |
| Hugo | $57 | $94 |
| USAA | $65 | $107 |
| Nationwide | $82 | $136 |
| Mercury | $84 | $127 |
| Safeco | $85 | $141 |
| Progressive | $97 | $160 |
| Dairyland | $103 | $170 |
| Chubb | $112 | $185 |
| Clearcover | $112 | $185 |
| National General | $119 | $197 |
| 21st Century | $129 | $213 |
| Elephant | $130 | $215 |
| Direct Auto | $131 | $217 |
| Commonwealth Casualty | $135 | $223 |
| Liberty Mutual | $135 | $223 |
| The General | $137 | $227 |
| Bristol West | $148 | $245 |
| GAINSCO | $156 | $258 |
| State Auto | $171 | $283 |
| AssuranceAmerica | $173 | $286 |
| Infinity | $193 | $319 |
| Foremost | $218 | $360 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Older drivers typically have significantly fewer accidents than younger drivers do. Beginning around age 25, insurance rates drop to reflect that lower risk. The risk — and the number of accidents — starts to increase again beginning at age 70, and rates creep up as well. The average cost of car insurance for senior drivers in Fort Worth is $191 per month for full coverage and $94 for liability only.
Here are quotes from top insurers for senior drivers in Fort Worth.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $28 | $48 |
| GEICO | $31 | $54 |
| Mile Auto | $40 | $83 |
| Allstate | $41 | $71 |
| Hugo | $44 | $110 |
| USAA | $50 | $89 |
| Nationwide | $59 | $119 |
| Mercury | $63 | $105 |
| Progressive | $67 | $118 |
| Safeco | $70 | $140 |
| Chubb | $79 | $138 |
| Dairyland | $80 | $207 |
| National General | $89 | $191 |
| Clearcover | $91 | $113 |
| 21st Century | $93 | $164 |
| Direct Auto | $99 | $200 |
| Elephant | $103 | $173 |
| Commonwealth Casualty | $105 | $278 |
| The General | $109 | $232 |
| Liberty Mutual | $110 | $223 |
| Bristol West | $115 | $240 |
| State Auto | $126 | $244 |
| AssuranceAmerica | $127 | $170 |
| GAINSCO | $127 | $280 |
| Infinity | $142 | $229 |
| Foremost | $168 | $351 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers are some of the riskiest drivers on the road, and the insurance premiums that they pay reflect that. They’re more likely to get into accidents or engage in risky driving behaviors like distracted driving or speeding.
Many insurance companies have programs to reduce the cost of teens’ auto policies. State Farm, for example, employs usage-based technology that tracks young drivers’ driving behavior and rewards safe driving with up to 30% off. You might also get a discount if you get good grades, take a professional driving course, or leave your car at home when you go to college.
Teen drivers in Fort Worth pay an average of $443 per month for full coverage and $219 for liability only. Here are quotes for teen drivers in Fort Worth.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $64 | $111 |
| Allstate | $93 | $164 |
| Hugo | $95 | $237 |
| Mile Auto | $106 | $223 |
| USAA | $110 | $195 |
| Nationwide | $144 | $288 |
| Mercury | $153 | $256 |
| Dairyland | $172 | $446 |
| Safeco | $172 | $347 |
| Progressive | $176 | $308 |
| Chubb | $214 | $373 |
| Elephant | $216 | $365 |
| Clearcover | $218 | $273 |
| 21st Century | $221 | $388 |
| The General | $223 | $476 |
| National General | $238 | $512 |
| Commonwealth Casualty | $240 | $639 |
| Direct Auto | $242 | $489 |
| Liberty Mutual | $243 | $495 |
| Bristol West | $255 | $530 |
| GAINSCO | $277 | $609 |
| State Auto | $309 | $599 |
| AssuranceAmerica | $324 | $435 |
| Infinity | $357 | $573 |
| Foremost | $394 | $823 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Fort Worth car insurance quotes by credit tier
While insurance rates aren’t directly tied to credit scores, per se, they’re influenced by credit-based insurance scores that predict the likelihood that you’ll file a claim.
In Texas and every other state that allows insurers to use credit history in calculating rates, maintaining your excellent or good credit or improving poor credit could save you money.[5]
Here’s how credit correlates with average monthly insurance quotes for full coverage in Fort Worth:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Fort Worth?
Texas has the 13th-highest insurance rates in the country. The average rate for Fort Worth drivers is $183, which is on par with the state average of $182, and this falls about in the middle compared to other Texas cities. Drivers in Fort Worth pay more than Corpus Christi drivers but less than Austin and Dallas drivers.
Various factors affect rates from one area to another, including crime rates, the number and cost of lawsuits, the cost of medical care, the cost of auto repairs, the prevalence of auto insurance fraud, and weather.
More cities in Texas
Insurify researched average quotes for several other Texas cities. Here’s how they compare to the averages in Fort Worth:
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Amarillo | $106 | $249 |
| Arlington | $127 | $255 |
| Austin | $129 | $243 |
| Corpus Christi | $124 | $228 |
| Dallas | $135 | $284 |
| El Paso | $93 | $215 |
| Galveston | $126 | $243 |
| Houston | $170 | $324 |
| Lubbock | $106 | $234 |
| San Antonio | $123 | $245 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fort Worth car insurance FAQs
Before you shop for car insurance in Fort Worth, check out the answers to these commonly asked questions.
How much is car insurance in Fort Worth?
Fort Worth drivers pay an average of $121 per month for liability insurance and $245 per month for full coverage. These numbers are very close to the state averages of $119 and $245.
Which companies have the cheapest car insurance in Fort Worth?
State Farm has the cheapest car insurance in Fort Worth, with a monthly liability-only rate of $37. Other affordable insurers include GEICO and Allstate, with liability rates of $40 and $52 per month, respectively. The cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and vehicle.
What are the best car insurance companies in Fort Worth?
Fort Worth drivers have access to many top insurance companies. The best car insurance company in Fort Worth is State Farm because of its affordable premiums, top-rated customer service, and excellent financial strength. It also has a high IQ Score of 9.3 out of 5. Other top companies include USAA and GEICO.
What is Texas’ minimum car insurance?
Texas’ minimum car insurance requirements are $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 in property damage liability.
Why is auto insurance so expensive in Fort Worth, Texas?
Auto insurance rates in Fort Worth, Texas, are high due to a number of factors. It’s a densely populated city, so the risk of accidents is higher than in many other towns. Auto insurers in the state have also begun to increase rates, according to the Texas Department of Insurance.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Texas
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Auto Insurance Basics."
- Texas Department of Insurance. "Automobile insurance guide."
- Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI."
- Texas Department of Insurance. "Credit Scoring and Insurance."
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Daria Kelly Uhlig
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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