Compare the Cheapest Car Insurance Quotes in Fort Worth, TX

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.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 12/1/2022
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Farmers offers full coverage auto insurance in Fort Worth for roughly $803 annually with the state minimum liability coverage of about $402 annually. State Farm offers the best value for drivers with tickets for around $888 annually. USAA's coverage for the military and their families may be the best option. MoneyGeek recommends Farmers for its competitive pricing and excellent customer service.

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The Cheapest and Best Car Insurance in Fort Worth

The Cheapest Car Insurance Companies in Fort Worth

For a full-coverage policy, the following insurance providers offer the greatest value in Fort Worth on average:

  • Farmers: $803 per year
  • State Farm: $888 per year

USAA auto insurance is an affordable choice for former and present Fort Worth military personnel and their families, with an average annual price of $835.

Farmers is the most affordable option for car insurance in Fort Worth. By comparison, The General's annual premium is roughly $2,397, which is the highest in the city. Both insurers' rates are for comprehensive and collision coverage. However, your premium may vary according to your selected liability limits and individual driving profile.

Cheapest Car Insurance in Fort Worth
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Farmers
    $803
  • 2.
    USAA
    $835
  • 3.
    State Farm
    $888
  • 4.
    GEICO
    $913
  • 5.
    AAA
    $1,040
  • 6.
    Allstate
    $1,088
  • 7.
    Esurance
    $1,105
  • 8.
    Nationwide
    $1,199
  • 9.
    Mercury
    $1,413
  • 10.
    MetLife
    $1,487
  • 11.
    The General
    $2,397

MoneyGeek's analysis was conducted using rates for a 40-year-old male driver who purchased a full coverage policy, as detailed in our methodology.

While a full coverage car insurance policy is more expensive than a minimum coverage policy, it includes comprehensive and collision insurance in addition to the state's minimum liability and other coverages. This is important since it protects you against the cost of car damage.

  • Collision Insurance: This covers the cost of repairs to your car if you collide with another vehicle or a stationary object.
  • Comprehensive Insurance: This protects you against damage to your car from non-collision, such as hail, theft or vandalism.

If you own an older car, you should know that full coverage car insurance may cost more than the car is worth. To find the lowest possible rates, drivers of older cars may choose liability-only insurance or coverage that meets state minimum requirements.

Compare Car Insurance Rates in Fort Worth

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Fort Worth for Minimum Coverage

In Fort Worth, policies with minimal coverage are the most cost-effective option. On average, state minimum insurance policies have the following insurers as the most affordable options:

  • Farmers: $402 per year
  • State Farm: $485 per year

Former and present Fort Worth military personnel and their families will find USAA auto insurance an affordable alternative with an average annual rate of $400.

Compared to The General's state minimum liability-only policy, which has an average premium of $1,144 yearly, Farmers' policy is $742 cheaper. The cheapest rates come with the lowest coverage limits and do not include collision and comprehensive insurance, so you run the risk of not being fully covered. See how rates change as liability limits go higher in this table.

Cheapest Minimum Liability Car Insurance in Fort Worth
State Minimum

Texas drivers must carry 30/60/25 liability insurance. This is the cheapest vehicle insurance in Texas. While this is the most affordable choice in Fort Worth, it offers the least coverage. In the event of an accident, your financial burden may increase.

Assume you cause an accident and the opposing party's medical bills total $60,000. As a result, your primary health insurance will only cover up to $40,000 in medical expenses, leaving you to pay the remaining $20,000.

Texas Minimum Liability Requirements

  • Item
    Description
  • 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.

Cheapest Car Insurance in Fort Worth if You Have Driving Violations

Speeding tickets and DUIs can significantly raise the cost of car insurance in Fort Worth. According to your specific violation, the following insurance companies offer the best value on average:

  • Cheapest after a ticket: State Farm, $888 per year
  • Cheapest after an at-fault accident: State Farm, $1,070 per year
  • Cheapest after a DUI: Farmers, $1,178 per year

If you have a history of driving offenses on your record, your best course of action is to improve your record gradually. After receiving a traffic ticket or being involved in a car accident, shop around for insurance policies to see which insurers offer the most inexpensive rates.

Cheapest Car Insurance in Fort Worth With a Violation
Speeding Ticket

Average Cost of Car Insurance in Fort Worth

Fort Worth$1,233
Texas$1,316
U.S.$1,424

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.

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.

Compare Car Insurance Rates in Fort Worth

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Fort Worth

Using average rates, claims ratings and user satisfaction scores, MoneyGeek ranked the top car insurance companies in Fort Worth. Based on our analysis, the following companies offer the best car insurance in the city:

  • State Farm: MoneyGeek score of 93.6 out of 100
  • Farmers: MoneyGeek score of 92.8 out of 100

USAA was excluded from this analysis, despite having received the highest MoneyGeek score, because it only serves military members and their families. With a MoneyGeek rating of 94.6 out of 100, it offers the best car insurance in Fort Worth for military families.


1
State Farm
Score:94

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm received high scores for its claims rating, customer satisfaction and financial stability. It also received an excellent score of 4.83 for affordability, with a full coverage policy costing an average of $888 per year. The insurer offers rideshare insurance, a rare, add-on coverage.

More About State Farm

With a State Farm car insurance policy, drivers for ridesharing companies are covered under rideshare insurance. While you’re driving with riders in your vehicle, all coverages included in your personal auto insurance, except liability coverage, remain in effect. Additionally, policies include common coverages, like roadside assistance and rental car and/or travel reimbursement. Roadside assistance covers mechanical and locksmith labor, towing, tire changes and deliveries of gas, oil or batteries. If you are at fault for an accident in your rental car, rental car and/or travel reimbursement pays for your car rental expenses, up to your chosen limits, and travel expenses such as meals, lodging and transportation.

Read MoneyGeek's State Farm auto Insurance Review
2
Farmers
Score:93

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

Farmers received high scores for financial stability, claims and customer satisfaction. It also ranked first in affordability, with a full coverage policy costing an average of $803 per year. Farmers’ add-on coverage option, custom parts coverage, covers carpet, decals, graphics and more that have been added to your vehicle.

More About Farmers

With custom parts coverage, you can repair or replace aftermarket equipment, such as infotainment systems and custom wheels, at a reduced cost. Adding original equipment manufacturer (OEM) coverage to your Farmers policy is an affordable way to cover the cost of using factory-original parts in covered repairs on vehicles up to ten years old. The insurer also offers glass deductible modification coverage, a feature that is rarely offered by other insurance providers. With this coverage, you can reduce your comprehensive deductible to $100 when you have a loss solely related to glass.

Read MoneyGeek's Farmers auto Insurance Review

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 Code
    State Minimumper year
  • 76179
    $1,201
  • 76116
    $1,209
  • 76137
    $1,213
  • 76133
    $1,233
  • 76112
    $1,251
  • 76119
    $1,293

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.

accident2 icon
Most Accidents With Fatalities61st/300
handcuffs2 icon
Most Car Thefts144th/300
uninsured icon
Most Uninsured Motorists by State16th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall142nd/300
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Most Rainy Days190th/300

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.