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
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.
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
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.
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
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
- 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
- CompanySpeeding Ticketper year
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.
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.
The Best Car Insurance Companies in Fort Worth
MoneyGeek ranked auto insurance companies in Fort Worth to find the best carriers that offer quality service and policies at a fair price. The best insurers in the city for most drivers are:
- Farmers: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 85 out of 100
MoneyGeek's evaluation system gives USAA the highest score in Fort Worth. However, due to the fact that USAA is exclusively available to military personnel, veterans and their families, it is not recognized as the best overall.
The insurance providers' scores out of 100 are determined by a variety of factors, including user satisfaction, affordability and financial stability, according to J.D. Power.
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.
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