Cheapest and Best Car Insurance in Fort Worth, TX (August 2024)

Finding the optimal car insurance in Fort Worth may depend on factors like coverage and driver profiles. For full coverage and minimum coverage, Texas Farm Bureau offers the lowest rates, while State Farm is the most affordable for families with teens. The best in customer service is Chubb, which also ranks as the best overall for combining price and service. The right choice for you will vary based on personal needs and coverage preferences.

MoneyGeek found that Texas Farm Bureau offers the cheapest minimum coverage car insurance in Fort Worth. Ensure you're getting the cheapest car insurance by considering these top two economical options:

• Texas Farm Bureau: $356 per year
• Mercury: $455 per year

The costliest option for the minimum coverage policy in Fort Worth is Dairyland, with an annual premium of $2,150. This shows the price difference in car insurance rates, with Dairyland's policy being $1,794 more expensive annually than Texas Farm Bureau's. Comparing prices is key to finding the best deal for your needs.

Whether you're in Fort Worth or any other city in Texas, state law predetermines the basic car insurance requirements you must have. Here's a breakdown of those minimums:

• $30,000 bodily injury per person
  
• $60,000 bodily injury per accident
  
• $25,000 property damage liability per accident
  

Take, for example, if you have the minimum coverage and cause an accident where individual A's bodily injuries total $45,000. Your insurance will cover $30,000. The remaining $15,000? That's on you to cover out of pocket. Similarly, if the total injuries per accident are $70,000 and your policy covers $60,000, expect to pay the difference yourself.

MoneyGeek found that Texas Farm Bureau offers the cheapest full coverage car insurance in Fort Worth.

• Texas Farm Bureau: $790 per year
• State Farm: $989 per year

Dairyland holds the title for the most expensive full coverage policy in Fort Worth, with an annual premium of $4,185. This is a stark difference of $3,395 when compared to the cheapest option. This hefty price variance highlights the need to compare rates when shopping for full coverage car insurance, which is typically more costly than minimum coverage due to its extensive protection.

The MoneyGeek sample policy for comprehensive vehicle insurance in Fort Worth enhances liability limits above the state-required minimums, offering coverage of $100,000 for individual bodily injury liability, $300,000 per accident for bodily injury and $100,000 to cover property damage liability per accident. This level of protection is commonly referred to as a 100/300/100 plan.

Full coverage insurance policies incorporate additional protections beyond raised liability limits, namely comprehensive and collision insurance:

• Collision Insurance: This insurance pays for repairs to your automobile in the event of a crash, whether it involves another vehicle or collision with a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This component covers your vehicle against a variety of non-collision incidents, including theft, vandalism, and natural disasters and being struck by an animal like a deer. .

If you're investing in a new vehicle, choosing full coverage insurance is crucial for protecting your asset. On the other hand, for older vehicles, the cost of this enhanced insurance might not be justified by the vehicle’s value. The key is to assess how much insurance you need. Greater coverage translates to higher premiums, while limited coverage could mean inadequate financial protection in the event of significant damages or losses.

MoneyGeek found that the cheapest company for drivers with a poor driving record in Fort Worth for full coverage policies varies based on the specific type of offense:

• Speeding Ticket: Texas Farm Bureau ($790 per year)
• At-fault accident: State Farm ($1,230 per year)
• DUI: Progressive ($1,491 per year)

The most expensive rates for these offenses were offered by Dairyland, with premiums significantly higher than the cheapest options. The difference in annual rates between the cheapest company after a speeding ticket and after a DUI is $754, illustrating how much more a severe offense like a DUI can influence car insurance rates compared to a speeding ticket.

Insurance premiums in Fort Worth, like in many cities, typically increase with the gravity of a driving infraction due to the higher risk perceived by insurers. For instance, drivers in Fort Worth with a speeding ticket on their record face an average annual premium of $2,826, while those with a DUI may see average rates soar to $3,490.

MoneyGeek found that State Farm offers the most competitive rates for the cheapest car insurance for teens in Fort Worth. Here are the details for the top insurers:

• State Farm: $1,979 per year for female teens and $2,381 per year for male teens
• Nationwide: $2,009 per year for female teens and $2,301 per year for male teens

These rates reflect the cost of a policy covering two parents and a teenager. Allstate presents the priciest option, with annual rates of $6,457 for female teens and a staggering $7,605 for male teens. The difference between State Farm and Allstate for a female teen policy is $4,478 annually, emphasizing the need for comparison shopping, particularly when adding a higher-risk teen driver to your car insurance policy.

In Fort Worth, teens looking to insure their cars will find striking disparities in insurance rates. On average, an individual teen policy is priced at $7,021 annually, compared to $4,065 when the teen is added to a family plan. This significant difference is primarily due to the heightened risks insurers associate with inexperienced teen drivers.

MoneyGeek found that Texas Farm Bureau offers the most affordable full coverage car insurance for those with military backgrounds in Fort Worth. For comprehensive information on securing the cheapest car insurance for military backgrounds, explore available options that could lead to significant savings.

• Texas Farm Bureau: $790 per year
• State Farm: $989 per year

Although not the least expensive, USAA ranks third with an annual premium of $1,021. While its rates are slightly higher than its competitors, USAA is noteworthy for its commitment to serving the specific needs of active duty military members, often making it a preferred choice for those eligible for its policies.

You can use MoneyGeek's car insurance calculator to get quotes. Simply input critical details such as age, driving history, credit score and desired coverage, and promptly receive a tailored rate estimate, thereby optimizing your time and savings on car insurance.

Selecting the most suitable auto insurance relies on one's priorities in service, cost, coverage and other factors. As per MoneyGeek's tailored scoring for each category in Fort Worth, the best providers are:

• Best overall: Chubb (MoneyGeek score 92 out of 100)
• Best for service: Chubb (MoneyGeek score 92 out of 100)
• Best cheap: Chubb (MoneyGeek score 91 out of 100)

Chubb stands out in the city for delivering exceptional overall value, exemplary customer service, and affordability without compromising significantly on service quality. Individuals seeking balanced insurance offerings can trust in Chubb's comprehensive performance benchmarks.

MoneyGeek found that Chubb is the top provider for the best car insurance in Fort Worth.

• Chubb: MoneyGeek score of 92 out of 100 ($1,525 per year)
• Foremost: MoneyGeek score of 75 out of 100 ($2,286 per year)

Chubb stands out in Fort Worth not only for its high satisfaction and affordability scores, which are the largest contributors to its overall MoneyGeek score, but also for providing a full coverage policy. Its reputation for customer satisfaction and competitive premiums place it at the forefront of car insurance options in the region.

MoneyGeek found that Chubb is the top car insurance provider in Fort Worth, offering unparalleled customer service. This distinction comes from Chubb's high marks in general satisfaction, expertly handled claims and comprehensive coverages, all without consideration for premium rates.

• Chubb: MoneyGeek score of 92 out of 100 ($1,525 per year)
• Foremost: MoneyGeek score of 77 out of 100 ($2,286 per year)

Chubb shows dedication to providing dependable and responsive support to its policyholders in Fort Worth.

MoneyGeek found that Chubb is the best option in Fort Worth for motorists seeking affordable and reliable car insurance. Scoring the top rank, Chubb's competitive position stems from a harmonious balance of cost and quality of service. MoneyGeek's evaluation highlights that while price is a significant factor in their scoring, customer satisfaction and claims handling are also important components.

• Chubb: MoneyGeek score of 91 out of 100 ($734 per year)
• Mercury: MoneyGeek score of 78 out of 100 ($455 per year)

Chubb stands out not only for its exceptional MoneyGeek score but also for its superior claims handling and customer satisfaction, which contribute to its commanding lead in the rankings.

In Fort Worth, Texas, the average car insurance premium stands at $1,728. When compared to the Texas state average, which hovers around $1,782, Fort Worth's insurance costs are marginally less expensive, by $54. Meanwhile, Texas as a whole has an almost equivalent average cost to the national figure, with the state average only $1 higher than the national average of $1,781.

Car insurance rates hinge on a multitude of components, with location being a particularly strong influence. Factors such as accident rates, theft statistics and urban density can affect regional insurance costs significantly.