Car Insurance in Fort Worth

State Farm provides the cheapest minimum coverage in Fort Worth at $533 per year, which sits 41% below the city average of $1,406. For full coverage, State Farm charges $1,230 annually, maintaining its value leadership.

GEICO ranks second at $732 per year for minimum coverage, still offering savings compared to the market average. State Farm's pricing advantage in Fort Worth reflects its strong Texas operations and competitive underwriting.

The substantial gap between State Farm's rates and the city average shows how insurer choice can save Fort Worth drivers over $600 annually on minimum coverage alone.

Adult drivers in Fort Worth pay the lowest premiums at $533 annually through State Farm. Young drivers pay $1,198 per year with State Farm, 125% more than adults due to limited driving experience.

State Farm charges seniors $618 annually, placing them between adults and young drivers. The pricing spread follows standard industry patterns while staying more affordable than many Texas cities.

Fort Worth's competitive market keeps rates reasonable for young drivers compared to state averages, though age significantly affects costs.

Young drivers in Fort Worth find the most affordable car insurance with State Farm and GEICO at average monthly rates of $100 and $106. State Farm and GEICO combine low rates with strong digital tools and reliable coverage.

Insurers charge more for drivers under 25 due to limited experience. Comparing quotes from multiple companies saves younger drivers hundreds annually through student or safe-driver discounts.

For adults aged 26 to 64, State Farm delivers the best value in Fort Worth, with rates averaging 41% lower than the city’s overall cost. GEICO and AAA also remain competitive for drivers with clean records. Adults benefit most from bundling policies and maintaining strong credit, which can unlock additional savings on both minimum and full coverage plans.

Seniors in Fort Worth can secure the lowest premiums through State Farm, which charges about $51 per month ($618 annually) for minimum coverage and $114 per month ($1,373 annually) for full coverage. 

State Farm's competitive rates keep older drivers covered without breaking their budget. Seniors who drive less or complete defensive-driving courses qualify for additional discounts, lowering their insurance costs further.

High-risk drivers in Fort Worth find affordable coverage from these insurance providers:

• Bad Credit: GEICO (from $88 per month)
• DUI: State Farm (from $72 per month)
• Accident: State Farm (from $52 per month)
• Speeding Ticket: State Farm (from $44 per month)

GEICO offers the cheapest car insurance for bad credit in Fort Worth at $88 monthly for minimum coverage and $208 for full coverage.

State Farm offers the most affordable car insurance rates for Fort Worth drivers with DUIs. You can save up to 39% on minimum coverage and 35% on full coverage compared to city averages with this provider.

State Farm offers Fort Worth's cheapest car insurance for drivers with an accident, with rates starting at $52 per month. You'll pay 51% less than the city average for coverage.

State Farm offers Fort Worth drivers the cheapest car insurance after a speeding ticket. Their minimum liability coverage costs about $44 per month, while full coverage with higher limits runs around $102 monthly.

State Farm is the top car insurance company in Fort Worth with a MoneyGeek score of 94.88, offering a strong mix of low rates and dependable local service. GEICO comes next with a score of 90.26 and provides competitive pricing along with easy-to-use digital tools.

State Farm earns its top spot by delivering steady value for all types of drivers and having plenty of agents across the Dallas–Fort Worth area. GEICO is a good fit if you prefer managing your policy online.

Both companies are financially solid and handle claims reliably, giving Fort Worth drivers trustworthy choices.

Car insurance in Fort Worth costs an average of $1,406 per year. Minimum coverage averages $117 monthly while full coverage runs $1,406 annually.

These rates align with broader Texas metro averages but exceed the state's most affordable cities. State Farm provides coverage well below the market average at $533 annually for minimum coverage, demonstrating how the right insurer dramatically reduces costs.

Fort Worth's rates reflect typical urban Texas pricing, but strong competition from State Farm and GEICO helps residents find affordable protection despite metropolitan market pressures.

In Fort Worth, car insurance rates by ZIP code range from $64 to $203 per month. ZIP code 76106 is the most expensive, while 76052 is the cheapest. Check the average rates for your ZIP code below.

Finding affordable car insurance in Fort Worth gets tricky with high rates and multiple coverage options. Here's how to get the best coverage at the lowest price.

Car insurance rates in Fort Worth depend on your driving record, credit score and coverage needs. State Farm and GEICO offer the most affordable average premiums in the area, but compare quotes from multiple providers to find your best rate.

We've researched Fort Worth car insurance rates to answer your questions about finding affordable coverage. Get clear answers about saving money while maintaining the protection you need.

To help Fort Worth drivers find the most affordable auto insurance companies, MoneyGeek analyzed Fort Worth auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Fort Worth and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.

Fort Worth Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages in Fort Worth with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Fort Worth

MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.

The minimum coverage requirements in Texas are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies in Fort Worth based on the following rating scale:

• Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
• Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
• Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.