Annual car insurance premiums in Fort Worth are $1,316 on average, cheaper than the state average. Farmers is the most affordable carrier with an average of $803 per year. MoneyGeek analyzed the cheapest car insurance rates by coverage level and driving history. MoneyGeek also recommended the best companies in the city for people who value quality service and cost.
Compare the Cheapest Car Insurance Quotes in Fort Worth, TX
The Cheapest and Best Car Insurance in Fort Worth
The Cheapest Car Insurance Companies in Fort Worth
Based on average premiums in Fort Worth, the cheapest insurers for a full coverage policy are:
- Farmers: $803 per year
- USAA: $835 annually (only available to current and former military)
On average, Farmers offers the most affordable rate among car insurance companies in Fort Worth. It offers an average annual premium of $803, which is $430 less than the average premium in the city. It is also one-third as expensive as the most expensive provider, The General. Following Farmers, in the top five most affordable car insurance providers in this city are USAA, State Farm, GEICO and AAA.
MoneyGeek’s study is based on average premium rates for a 40-year-old male driver with a full coverage policy, including liability as well as comprehensive and collision insurance.
Average Cost of Car Insurance in Fort Worth
Fort Worth has an average annual car insurance rate of $1,233, which is lower than both the state and national average annual premiums. In comparison, drivers in Fort Worth pay about 6.3% less per year than the average driver in Texas, and about 13.4% less than the national average premium.
The Best Car Insurance Companies in Fort Worth
If you’re looking for a balance of affordability and quality service, MoneyGeek ranked the best companies in Fort Worth using a unique scoring system. The top insurers for most drivers are:
- GEICO: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA received the highest score in Fort Worth by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The insurance carriers’ scores out of a possible 100 are based on various determining factors, including J.D. Power user satisfaction, affordability and financial stability.
Personalized Quotes to Get You the Cheapest Car Insurance in Fort Worth
Insurance providers determine car insurance quotes in Fort Worth based on the risk associated with the driver. Among the factors that they take into consideration are ZIP code, gender, age, car make and model, driving history and coverage level. Any changes in your circumstances can affect the premium cost. So, it is best to get a personalized quote regularly to be updated about certain discounts and rebates you may be qualified for.
Shopping around for car insurance in Fort Worth could save you $430, which is enough to buy:
Cheapest Car Insurance in Fort Worth by Coverage Amount
In Fort Worth and elsewhere, one of the biggest factors that determine the cost of auto insurance is the amount of coverage you buy. A policy only meeting state minimums in Fort Worth costs an average of $627 per year. Meanwhile, the average rate for a full coverage policy is $607 more expensive at an average of $1,233 per year.
Texas Minimum Liability Requirements
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Average car insurance rates in Fort Worth are determined by the limits for each type and level of coverage. You have to consider your circumstances and the risks related to you as a driver. Will the state minimum liability coverage be sufficient? Or will it be better to go for full coverage?
Texas requires a 30/60/25 minimum liability coverage, which covers $30,000 in injuries per person and $60,000 per vehicle, along with $25,000 in property damage. Other options include 50/100/50 liability-only and full-coverage plans, which allow you to claim $50,000 for individual injuries (up to $100,000 for each vehicle) and $50,000 for property damage. For more comprehensive protection, you can also get 100/300/100 full coverage.
Farmers is one of the car insurance companies in Fort Worth that offers all of these options. Its state minimum liability-only policy costs an average $402 per year. Meanwhile, its 50/100/50 liability-only plan is $426 on average. Adding around $333 can get you a full-coverage policy. If you want 100/300/100 comprehensive protection for all injuries and car damages, you will need to pay $803 on average, annually.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Fort Worth if You Have Driving Violations
Drivers with clean records generally get cheaper premiums compared to those with violations. For instance, a Farmers policyholder in Fort Worth with a speeding ticket will pay $1,054 in average annual premiums. If the driver has a DUI on your record, then the rate increases to an average of $1,178.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Your ZIP code can also have an impact on the cost of your car insurance. For example, the average car insurance rate in Fort Worth based on ZIP code ranges from $1,201 to $1,293. The most affordable neighborhood for auto coverage in the city is 76179. Drivers living in this area pay an average $92 less than those who are from the most expensive auto insurance ZIP code, which is 76119.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Fort Worth
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Fort Worth. How Fort Worth ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Fort Worth are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author