State Farm offers Fort Worth's lowest car insurance rates — $533 annually for minimum coverage and $1,230 for full coverage. Other affordable options in the city include GEICO, AAA and Mercury Insurance.
Car Insurance in Fort Worth
Updated: August 11, 2025
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Key Takeaways
Fort Worth's cheapest car insurance companies are State Farm, GEICO and AAA, with savings up to 41% compared to the city average.
Monthly car insurance costs in Fort Worth average $163 for full coverage and $71 for minimum coverage.
To get the best cheap auto insurance in Fort Worth, decide on coverage beforehand and compare quotes from multiple sources.
Who Has The Cheapest Car Insurance in Fort Worth?
| State Farm | $44 | $102 | -41% |
| GEICO | $61 | $125 | -25% |
| AAA | $63 | $131 | -22% |
| Mercury Insurance | $63 | $145 | -17% |
| Germania Insurance | $75 | $154 | -8% |
Compare The Cheapest Fort Worth Car Insurance For You
Your car insurance rates depend heavily on your driving history and personal details. Check the table below to find the cheapest insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $127 | $1,524 | -47% |
| Germania Insurance | $147 | $1,758 | -39% |
| AAA | $185 | $2,216 | -23% |
| Geico | $191 | $2,295 | -20% |
| Farmers | $244 | $2,932 | 2% |
Cheapest Car Insurance by Age Group in Fort Worth
Car insurance prices vary significantly by age in Fort Worth. Based on our analysis, here's who offers the lowest rates for each age group:
- Cheapest Car Insurance for Young Drivers (16 to 25): State Farm at $100 per month
- Cheapest Car Insurance for Adults (26 to 64): State Farm at $44 per month
- Cheapest Car Insurance for Seniors (65+): State Farm at $51 per month
Cheapest Car Insurance for Young Drivers in Fort Worth
State Farm and GEICO provide the most affordable car insurance for young drivers in Fort Worth, with monthly rates starting at $100 and $106 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $100 | $1,198 | -44% |
| Geico | $106 | $1,276 | -40% |
| AAA | $144 | $1,727 | -19% |
| Germania Insurance | $153 | $1,831 | -14% |
| Farmers | $176 | $2,107 | -1% |
Cheapest Car Insurance for Adult Drivers in Fort Worth
In Fort Worth, State Farm provides the lowest rates for adult drivers (26 to 64), saving drivers around 41% on average. GEICO and AAA are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $44 | $533 | -41% |
| Geico | $61 | $732 | -19% |
| Mercury Insurance | $63 | $753 | -17% |
| AAA | $63 | $754 | -17% |
| Farmers | $74 | $889 | -2% |
Cheapest Car Insurance for Senior Drivers in Fort Worth
For Fort Worth seniors aged 65+, State Farm offers the lowest rates for both coverage types. Minimum coverage costs $51 per month or $618 annually, while full coverage runs $114 monthly or $1,373 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $51 | $618 | -47% |
| Germania Insurance | $79 | $951 | -18% |
| Geico | $80 | $959 | -17% |
| AAA | $86 | $1,031 | -11% |
| Dairyland | $110 | $1,317 | 13% |
Cheapest Car Insurance for High-Risk Drivers in Fort Worth
High-risk drivers in Fort Worth can find affordable coverage from these insurance providers:
- Cheapest for Bad Credit: GEICO (from $88 per month)
- Cheapest With a DUI: State Farm (from $72 per month)
- Cheapest With an Accident: State Farm (from $52 per month)
- Cheapest With a Speeding Ticket: State Farm (from $44 per month)
Cheapest Car Insurance for Bad Credit in Fort Worth
GEICO offers the cheapest car insurance for bad credit in Fort Worth, with monthly rates starting at $88 for minimum coverage and $208 for full coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Geico | $88 | $1,058 | -49% |
| Allstate | $116 | $1,388 | -33% |
| Germania Insurance | $124 | $1,493 | -28% |
| Dairyland | $126 | $1,517 | -26% |
| Chubb | $137 | $1,648 | -20% |
Cheapest Car Insurance With a DUI in Fort Worth
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $72 | $862 | -39% |
| Farmers | $84 | $1,006 | -29% |
| Mercury Insurance | $85 | $1,018 | -28% |
| AAA | $98 | $1,175 | -17% |
| Geico | $106 | $1,267 | -10% |
Cheapest Car Insurance With an Accident in Fort Worth
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $52 | $628 | -51% |
| Germania Insurance | $76 | $907 | -29% |
| Farmers | $78 | $935 | -27% |
| Geico | $84 | $1,004 | -21% |
| AAA | $92 | $1,106 | -14% |
Cheapest Car Insurance With a Speeding Ticket in Fort Worth
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.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $44 | $533 | -50% |
| Geico | $70 | $842 | -22% |
| Germania Insurance | $75 | $894 | -17% |
| AAA | $83 | $996 | -7% |
| Mercury Insurance | $87 | $1,040 | -3% |
Best Car Insurance Companies in Fort Worth
Fort Worth's top-rated car insurance companies are State Farm, GEICO, AAA, Mercury Insurance and Progressive. These insurers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| 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 |
State Farm: Best Overall Value
pros
Strong customer service ratings
Competitive rates across driver categories
Extensive agent network nationwide
cons
Limited coverage options
Online tools need improvement
COMPANY HIGHLIGHTS
State Farm ranks as Fort Worth's top car insurance provider, earning high marks for both affordability and customer service. The company stands out for offering competitive rates to most driver types, including young drivers, seniors, and those with accidents on their record. Their local agent network provides personalized service, though their digital tools lag behind some competitors.
GEICO: Best for Tech-Savvy Drivers
pros
User-friendly digital tools
Good rates for new car owners
Strong financial stability
cons
Limited local agent availability
Average customer service ratings
COMPANY HIGHLIGHTS
GEICO earns Fort Worth's second-place ranking through their blend of competitive rates and digital convenience. Their mobile app and online tools make policy management straightforward. The company particularly excels with newer car owners and drivers with credit challenges. While their customer service ratings are average, their digital-first approach appeals to drivers who prefer managing insurance online.
How Much Is Car Insurance in Fort Worth?
In Fort Worth, minimum coverage costs about $71 per month or $854 per year, ranking 1,334th among Texas cities for affordability. Full coverage averages $163 monthly or $1,957 annually, ranking 1,337th among Texas cities.
| Full Coverage | $163 | $1,957 |
| Minimum Coverage | $71 | $854 |
Compare Personalized Fort Worth Car Insurance Costs
Find Fort Worth car insurance rates that match your exact profile by filtering the table below for specific combinations of age, driving history and other personal factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $238 | $2,854 | 10% |
Fort Worth Car Insurance Costs by ZIP Code
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.
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ZIP Code:76106
| 76106 | $99 | $203 |
How to Get the Best Cheap Fort Worth Car Insurance
Finding affordable car insurance in Fort Worth can be challenging with the area's high rates and complex coverage options. This step-by-step guide will help you secure the best coverage at the lowest price.
- 1
Calculate your coverage needs
Start by determining how much coverage you need based on your vehicle's value and your financial situation. Use our car insurance coverage needs calculator to understand your requirements beyond Texas minimum coverage. Consider your assets and risk tolerance when making this decision.
- 2
Explore different coverage types
Familiarize yourself with various types of car insurance available in Fort Worth. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
- 3
Know the average costs
Research average vehicle insurance costs in Fort Worth to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying for coverage.
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Check available discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver, good student, and professional organization memberships can lead to additional savings.
- 5
Research insurance company ratings
Investigate each insurer's financial strength and customer service ratings. Check complaint records with the Texas Department of Insurance. A company's reputation for claims handling and customer support is just as important as competitive rates.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to compare rates. Make sure each quote includes the same coverage levels for accurate comparison.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new rates. Life changes like improving credit scores, moving within Fort Worth, or buying a new car can affect your premiums. Regular reviews ensure you maintain the best rates.
Cheapest Car Insurance in Fort Worth: Bottom Line
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.
Cheap Fort Worth Car Insurance: FAQ
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.
What is the cheapest car insurance company in Fort Worth, Texas?
State Farm offers the lowest rates in Fort Worth, with average annual premiums of $533 for minimum coverage and $1,230 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Fort Worth?
State Farm leads Fort Worth's car insurance providers with a MoneyGeek score of 95 out of 100, scoring five points higher than GEICO. State Farm excels in both affordability and customer service quality.
What is the average cost of car insurance in Fort Worth?
Fort Worth drivers pay $1,957 for full coverage and $854 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Fort Worth expensive?
Fort Worth auto insurance costs more than average, ranking 1,334th for minimum coverage affordability and 1,337th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Fort Worth, TX
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.