Cheapest and Best Car Insurance Companies in Fort Worth, TX
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By, Content Director
Finding the right auto insurance in Fort Worth depends on your individual needs and preferences. State Farm is the most affordable insurer for minimum and full coverage, drivers with at-fault accidents, speeding tickets and DUIs, female teens on a parent’s policy and military families. Nationwide is the cheapest option for male teens on a parent's policy.
If you value good customer service, Texas Farm Bureau Group is the top choice for quality service.
Cheapest and Best Car Insurance in Fort Worth, TX
Cheapest Minimum Liability Car Insurance in Fort Worth
The following companies offer the cheapest auto insurance for minimum coverage
- State Farm: $341 per year
- Texas Farm Bureau Group: $356 per year
Dairyland is the most expensive auto insurer in Fort Worth, with an annual cost of $1,223. However, State Farm is the least expensive car insurance provider in Texas, with a yearly average rate of $321 as of October 2022. This makes Fort Worth somewhat more expensive than the average auto insurance rates in Texas as a whole.
In Texas, state law dictates the liability limits for minimum coverage insurance. The minimum coverage required by law in Texas includes the following limits:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Liability-only auto insurance policy covers the damage you cause others and not the damage you sustained in an at-fault accident.
If you are found at fault in an accident and have the minimum coverage required by law (30/60/25), your insurance company will help cover medical costs for each person up to $30,000, for a maximum of $60,000 per accident. Anything beyond this amount will come out of your pocket.
Cheapest Full Coverage Car Insurance in Fort Worth
The cheapest full coverage auto insurance in Fort Worth includes:
- State Farm: $692 per year
- Texas Farm Bureau Group: $790 per year
According to MoneyGeek data, Dairyland is the priciest provider of full coverage car insurance in Fort Worth, averaging $2,169 per year. As of October 2022, State Farm offers the cheapest full coverage car insurance in Texas, at $699 per year, making Fort Worth slightly more affordable and demonstrating how location can impact rates.
Full coverage auto insurance increases your liability coverage and adds comprehensive and collision coverage to your policy.
- Collision Insurance: Pays for damage to your vehicle from a collision with another object, regardless of who is at fault.
- Comprehensive Insurance: Covers damage to your car from non-collision incidents, such as storm, fire or vandalism.
Comprehensive and collision coverage may not be worth the cost for older vehicles since they might be worth less than the hundreds of dollars in additional yearly premiums.
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Cheapest Car Insurance in Fort Worth After a Driving Offense
MoneyGeek’s analysis found the following companies to be the cheapest auto insurers for drivers with traffic infractions in Fort Worth:
- Speeding ticket: State Farm ($692 per year)
- At-fault accident: State Farm ($862 per year)
- DUI: State Farm ($1,271 per year)
If you are cited for a speeding ticket, accident or DUI, you can expect to pay the highest average yearly premiums with Dairyland ($2,672), Foremost ($3,306) and Chubb ($2,510), respectively. Traffic violations can lead to increased car insurance costs, meaning that even the most competitive rates may be significantly higher after an offense compared to drivers with clean records.
The cost of auto insurance in Fort Worth can vary depending on the infraction. On average, drivers with speeding tickets and those with DUIs pay around $235 and $574 per year more for coverage than drivers with clean records.
There are still affordable insurance companies for bad drivers.
Cheapest Car Insurance in Fort Worth for Teens and Their Families
The most affordable insurers for teens on their parent’s policy in Fort Worth are:
- State Farm: $1,979 per year for female teens; $2,381 per year for male teens
- Nationwide: $2,009 per year for female teens; $2,381 per year for male teens
Allstate is the most expensive insurer for Fort Worth teens, charging an average of $6,457 for female teens per year and $7,605 for male teens.
A 16-year-old male driver in Fort Worth pays more for auto insurance than their female counterparts. With State Farm, the difference is around $402. This gap goes away by early adulthood.
Adding a teen to their parent's coverage lowers their car insurance rates because buying their own policy can be much more costly.
A 16-year-old male teen with an individual premium will pay around $3,267 extra. If you want to find the cheapest car insurance for teens, shopping around for several rates and taking advantage of discounts is advisable.
Cheapest Car Insurance in Fort Worth for Military Drivers
Our analysis found the following companies to be the cheapest auto insurers for active or veteran military and their families in Fort Worth:
- State Farm: $692 per year
- Texas Farm Bureau Group: $790
At a cost of around $839 annually, USAA is also worth considering. This insurer caters to military families.
The above rates are for a full coverage policy. State Farm also ranks first for minimum coverage policy at an average of $341 per year, while Texas Farm Bureau Group is the second cheapest, at around $356 per year.
How to Compare Cheap Fort Worth Car Insurance Quotes Online
Getting car insurance quotes in Fort Worth, TX, can take up to 15 minutes or more of your time and require a lot of personal information.
MoneyGeek's car insurance calculator can help make the process easier and quicker. With information like age, vehicle type, coverage level and driving record, you can get an estimate of your car insurance costs quickly.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Fort Worth: Summary
The best car insurance for you depends on your needs and preferences. The best car insurance companies in Fort Worth are:
- Best overall: Texas Farm Bureau Group (MoneyGeek score 79 out of 100)
- Best for service: Chubb (MoneyGeek score 76 out of 100)
- Best cheap: Texas Farm Bureau Group (MoneyGeek score 81 out of 100)
The overall MoneyGeek score may vary depending on the weighting of factors in each category. Texas Farm Bureau Group is the best insurer in Texas. USAA, with a MoneyGeek score of 82 out of 100, is worth considering if you are a member of the military.
Best Overall Car Insurance in Fort Worth
The best companies overall for car insurance in Fort Worth are:
- Texas Farm Bureau Group: MoneyGeek score 79 out of 100 ($790 per year)
- Chubb: MoneyGeek score 77 out of 100 ($1,282 per year)
Texas Farm Bureau Group earned excellent customer satisfaction and affordability ratings, making it the best overall insurer in Fort Worth.
USAA is the top insurer in the city for military personnel and their families, with a score of 82 out of 100.
How was this MoneyGeek score calculated?
Excellent score for affordability
High customer satisfaction score
Roadside assistance coverage, rideshare insurance and rental car or travel reimbursement
No accident forgiveness or gap insurance
Below-average claims management cost
In Fort Worth, Texas Farm Bureau Group is an excellent option for auto insurance. It provides affordable premiums, excellent customer service and a variety of discounts. Due to its affordable rates and customer satisfaction ratings, its MoneyGeek score is the highest in Fort Worth.
At $790 annually, it is the second-cheapest auto insurance provider in the city. Texas Farm Bureau Group offers roadside assistance add-on coverage. This helps policyholders in case of a breakdown with towing, mechanical labor, items delivery (battery, fuel, tire and oil) and locksmith labor.
Texas Farm Bureau Group also offers rental car and/or travel reimbursement. This can help pay for costs you incur for travel when your car is being repaired after a covered event. The company even offers rideshare insurance.
Best Car Insurance in Fort Worth for Customer Service
These companies balance affordability and customer service in Fort Worth:
- Chubb: MoneyGeek score 76 out of 100 ($1,282 per year)
- Foremost: MoneyGeek score 67 out of 100 ($1,428 per year)
Chubb is the top-rated company for customer satisfaction and claims processing, boasting superior service. Its premiums are not the cheapest in the city, indicating that you will pay more for exceptional service.
How was this MoneyGeek score calculated?
High score for satisfaction
Great score for claims management
Offers diminished value coverage and original equipment manufacturer (OEM) coverage
Low coverage score
Lacks accident forgiveness coverage and roadside assistance
With exceptional scores in customer satisfaction and claims management, Chubb earned the ranking of the best insurer in Fort Worth for customer service.
The company offers original equipment manufacturer (OEM) coverage, which not many insurers provide. It ensures your car is repaired with original equipment to maintain its safety in subsequent accidents.
Diminished value coverage is another offering from the company. With this coverage, you agree to what your car is worth when you buy your policy. If your car is totaled or stolen, you’ll receive a check for this amount.
Chubb also provides antique/classic car insurance. This applies to vehicles that are 30 years of age or more, part of a collection or are a limited production model. The vehicle must be used for hobby purposes and garaged most of the time.
Best Cheap Car Insurance Companies in Fort Worth
In Fort Worth, we found the top companies that offer excellent service and affordable pricing to help you meet Texas's minimum insurance coverage requirements. Our top picks are:
- Texas Farm Bureau Group: MoneyGeek score 81 out of 100 ($356 per year)
- State Farm: MoneyGeek score 78 out of 100 ($341 per year)
The cheapest Fort Worth minimum coverage insurance offers the lowest premiums, but it also gives the least protection. These plans provide limited liability coverage, which means that if you are at fault in an accident, the insurance will pay a part of the expenses, such as medical bills and property damage. It will not pay for the price of repairing or replacing your car.
How was this MoneyGeek score calculated?
High affordability score, costing an average of $356 annually for a minimum coverage policy
Great customer satisfaction score
Offers discounts for multiple cars, safe driving and anti-theft systems
Below average claims management score
No discounts for airbags or defensive driving
Texas Farm Bureau Group is one of the most affordable insurance options in Fort Worth that also provides excellent customer service. The insurer even offers discounts to further reduce your rates.
If you insure multiple vehicles with Texas Farm Bureau Group, you can save money on your premiums. Policyholders with no accidents can reduce their premiums for being claims-free.
For vehicles with anti-theft systems, discounts are also available. Beyond this, you can get a discount for bundling multiple policies with Texas Farm Bureau Group, and drivers under the age of 25 who complete a defensive driving course can also save money.
Students who have a 3.0 GPA or better can take advantage of Texas Farm Bureau Group’s good student discount.
Average Cost of Car Insurance in Fort Worth
The average cost of car insurance in Fort Worth is $1,168 per year, which is $33 less than the average cost in Texas and $97 less than the national average premium as of October 2022. Your location significantly affects your insurance cost.
This average cost is for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
About Mark Fitzpatrick