Updated: January 27, 2026
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State Farm: Cheapest across most driver profiles. At $44 monthly for minimum coverage and $102 for full coverage, State Farm saves drivers 41% compared to Fort Worth's average.
GEICO: Second-cheapest at $61 monthly minimum and $125 full coverage. It's affordable for young drivers, seniors and drivers with speeding tickets.
AAA: Third-cheapest at $63 monthly minimum and $131 full coverage, with rates 22% below city average.
Cheapest Monthly Rates by Coverage and Driver Profile in Fort Worth:
State Farm charges $44 monthly for minimum coverage — Fort Worth's cheapest rate. GEICO comes in second at $61. State Farm also wins for full coverage at $102 monthly versus GEICO's $125. You'll save over 25% compared to Fort Worth's average with either company. Compare quotes from three insurers since rates change based on your ZIP code and driving record.
| State Farm | $44 | $102 | -41% |
| Geico | $61 | $125 | -25% |
| Mercury Insurance | $63 | $145 | -17% |
| AAA | $63 | $131 | -22% |
| Germania Insurance | $75 | $154 | -8% |
Not in Fort Worth? Check the cheapest or the best car insurance in Texas.
Teens and drivers in their early 20s pay the highest rates due to inexperience. GEICO offers the cheapest full coverage at $224 monthly. State Farm charges $227, and Germania costs $290.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| Geico | $224 | $2,693 | -40% |
| State Farm | $227 | $2,729 | -40% |
| Germania Insurance | $290 | $3,484 | -23% |
| AAA | $296 | $3,550 | -21% |
| Allstate | $374 | $4,485 | -1% |
Senior drivers in Fort Worth pay lower rates than most age groups. State Farm charges the least at $114 monthly for full coverage. GEICO costs $148, and Germania charges $160. Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older.
| State Farm | $114 | $1,373 | -43% |
| Geico | $148 | $1,771 | -26% |
| Germania Insurance | $160 | $1,914 | -21% |
| AAA | $169 | $2,028 | -16% |
| Progressive | $194 | $2,330 | -3% |
Violations increase your rates, though insurers charge different amounts for the same infraction. State Farm charges drivers with at-fault accidents $52 monthly for minimum coverage, compared to Germania's $76. For speeding tickets, State Farm costs $44 a month, and GEICO charges $70. State Farm offers the best DUI rates at $72 monthly, with Farmers at $84.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | State Farm | $52 | -51% |
| At-Fault Accident | Germania Insurance | $76 | -29% |
| DUI | State Farm | $72 | -39% |
| DUI | Farmers | $84 | -29% |
| Speeding Ticket | State Farm | $44 | -50% |
| Speeding Ticket | Geico | $70 | -22% |
Fort Worth rates range from $149 to $203 monthly for full coverage, depending on your ZIP code. High-risk areas like 76106 cost $203. Safer neighborhoods like 76052 cost $149.
Your ZIP code matters more than your neighborhood name when insurers calculate rates. Theft rates, traffic density and accident frequency create a $54 monthly gap between Fort Worth's most and least expensive ZIP codes.
| 76106 | $203 |
| 76140 | $197 |
| 76130 | $195 |
| 76132 | $190 |
| 76105 | $170 |
| 76104 | $168 |
| 76103 | $166 |
| 76119 | $166 |
| 76112 | $164 |
| 76164 | $164 |
| 76052 | $149 |
| 76108 | $149 |
| 76127 | $151 |
| 76244 | $151 |
| 76107 | $152 |
| 76135 | $153 |
| 76177 | $153 |
| 76179 | $153 |
| 76116 | $154 |
| 76109 | $154 |
State Farm leads Fort Worth's insurance market with a MoneyGeek score of 95 out of 100. It combines the lowest average premiums with outstanding customer service scores and comprehensive coverage options.
GEICO, AAA, Mercury and Progressive offer strong alternatives with low rates, quality customer service and diverse policy features.
| State Farm | 95 | 1 | 3 | 6 |
| Geico | 90 | 2 | 6 | 6 |
| AAA | 90 | 3 | 4 | 6 |
| Mercury Insurance | 90 | 4 | 5 | 4 |
| Progressive | 88 | 6 | 2 | 2 |
Cheapest rates across all driver profiles
Full coverage rates 41% below city average
4.5 out of 5 customer service rating
Limited coverage options compared to competitors
Slower claim processing times than preferred
Missing specialty coverages like pet injury protection
State Farm ranks first in Fort Worth with the lowest rates across all driver profiles and a 4.5 out of 5 customer service rating. State Farm charges full coverage rates 41% below the city average and offers 24/7 digital support through its Pocket Agent app.
State Farm covers Fort Worth's higher property crime rates with theft protection and offers rideshare insurance for gig drivers.
Second-cheapest rates across most profiles
Lower rates for young drivers than most insurers
24/7 mobile claims filing and digital policy management
Lowest customer experience ranking among Fort Worth providers
Accident forgiveness requires waiting period or extra payment
Customers report difficulties with claims filing and resolution
GEICO ranks second in Fort Worth with low rates for young drivers and strong weather coverage. It offers 24/7 customer support and mobile claim filing during Fort Worth's frequent hailstorms and tornado season.
GEICO covers the city's heavy traffic with mechanical breakdown insurance, and its claims processing helps drivers recover quickly from weather-related damage.
Fort Worth drivers pay higher car insurance rates than the state average. Find affordable coverage by comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Fort Worth's risk profile. Your driving record improves after three years, qualifying you for lower rates.
Common questions about finding quality Fort Worth coverage that fits your budget.
Fort Worth car insurance is moderately expensive. It costs $163 a month for full coverage. The most expensive location in Texas costs $225 per month, and the cheapest costs $48.
Finding affordable car insurance in Fort Worth requires understanding how insurers price policies across the city. Traffic congestion, theft risk and Texas' insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 76106 often pay much more than those in 76052.
We partnered with the Texas Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Fort Worth ZIP code.
Our ratings for the best car insurance in Fort Worth are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Our methodology shows which insurers offer low rates across Fort Worth neighborhoods and driver profiles with strong claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
