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Cheapest and Best Car Insurance Companies in Fort Worth, TX


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Updated: Sep 26, 2023
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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.

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2023

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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$310

$26

State Farm

$318

$26

State Farm

$341

$28

Texas Farm Bureau

$356

$30

Allstate

$400

$33

Allstate

$410

$34

Mercury

$412

$34

State Farm

$417

$35

Mercury

$448

$37

Texas Farm Bureau

$455

$38

AAA Texas

$480

$40

Allstate

$500

$42

AAA Texas

$507

$42

Nationwide

$523

$44

Mercury

$533

$44

Nationwide

$548

$46

Progressive

$555

$46

Chubb

$559

$47

Progressive

$568

$47

GEICO

$586

$49

Chubb

$613

$51

GEICO

$616

$51

AAA Texas

$616

$51

State Farm

$631

$53

National General

$639

$53

Texas Farm Bureau

$654

$54

National General

$660

$55

Progressive

$665

$55

Foremost

$665

$55

GEICO

$672

$56

State Farm

$692

$58

Nationwide

$735

$61

Foremost

$780

$65

Texas Farm Bureau

$790

$66

Allstate

$799

$67

National General

$812

$68

Allstate

$872

$73

Nationwide

$884

$74

State Farm

$894

$74

Foremost

$912

$76

Mercury

$938

$78

Texas Farm Bureau

$968

$81

AAA Texas

$986

$82

Mercury

$987

$82

AAA Texas

$992

$83

GEICO

$1,021

$85

GEICO

$1,038

$87

Chubb

$1,077

$90

Nationwide

$1,081

$90

Chubb

$1,114

$93

Allstate

$1,167

$97

Dairyland

$1,180

$98

GEICO

$1,217

$101

Dairyland

$1,223

$102

Chubb

$1,282

$107

Mercury

$1,287

$107

AAA Texas

$1,291

$108

Nationwide

$1,306

$109

Progressive

$1,409

$117

Foremost

$1,428

$119

National General

$1,442

$120

Dairyland

$1,448

$121

Progressive

$1,469

$122

Foremost

$1,528

$127

National General

$1,570

$131

National General

$1,781

$148

Progressive

$1,840

$153

Foremost

$1,913

$159

Dairyland

$1,957

$163

Chubb

$2,002

$167

Dairyland

$2,169

$181

Dairyland

$2,655

$221

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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$310

$26

State Farm

$318

$26

State Farm

$341

$28

Texas Farm Bureau

$356

$30

Allstate

$400

$33

Allstate

$410

$34

Mercury

$412

$34

State Farm

$417

$35

Mercury

$448

$37

Texas Farm Bureau

$455

$38

AAA Texas

$480

$40

Allstate

$500

$42

AAA Texas

$507

$42

Nationwide

$523

$44

Mercury

$533

$44

Nationwide

$548

$46

Progressive

$555

$46

Chubb

$559

$47

Progressive

$568

$47

GEICO

$586

$49

Chubb

$613

$51

GEICO

$616

$51

AAA Texas

$616

$51

State Farm

$631

$53

National General

$639

$53

Texas Farm Bureau

$654

$54

National General

$660

$55

Progressive

$665

$55

Foremost

$665

$55

GEICO

$672

$56

State Farm

$692

$58

Nationwide

$735

$61

Foremost

$780

$65

Texas Farm Bureau

$790

$66

Allstate

$799

$67

National General

$812

$68

Allstate

$872

$73

Nationwide

$884

$74

State Farm

$894

$74

Foremost

$912

$76

Mercury

$938

$78

Texas Farm Bureau

$968

$81

AAA Texas

$986

$82

Mercury

$987

$82

AAA Texas

$992

$83

GEICO

$1,021

$85

GEICO

$1,038

$87

Chubb

$1,077

$90

Nationwide

$1,081

$90

Chubb

$1,114

$93

Allstate

$1,167

$97

Dairyland

$1,180

$98

GEICO

$1,217

$101

Dairyland

$1,223

$102

Chubb

$1,282

$107

Mercury

$1,287

$107

AAA Texas

$1,291

$108

Nationwide

$1,306

$109

Progressive

$1,409

$117

Foremost

$1,428

$119

National General

$1,442

$120

Dairyland

$1,448

$121

Progressive

$1,469

$122

Foremost

$1,528

$127

National General

$1,570

$131

National General

$1,781

$148

Progressive

$1,840

$153

Foremost

$1,913

$159

Dairyland

$1,957

$163

Chubb

$2,002

$167

Dairyland

$2,169

$181

Dairyland

$2,655

$221

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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$310

$26

State Farm

$318

$26

State Farm

$341

$28

Texas Farm Bureau

$356

$30

Allstate

$400

$33

State Farm

$409

$34

Allstate

$410

$34

State Farm

$417

$35

State Farm

$435

$36

Texas Farm Bureau

$455

$38

Allstate

$500

$42

State Farm

$519

$43

Texas Farm Bureau

$564

$47

Mercury

$574

$48

Mercury

$589

$49

Chubb

$603

$50

Texas Farm Bureau

$607

$51

Progressive

$612

$51

Nationwide

$618

$52

State Farm

$631

$53

State Farm

$634

$53

Nationwide

$642

$54

AAA Texas

$645

$54

Texas Farm Bureau

$654

$54

State Farm

$660

$55

Progressive

$661

$55

Chubb

$662

$55

GEICO

$667

$56

Progressive

$668

$56

AAA Texas

$681

$57

Allstate

$684

$57

Mercury

$689

$57

State Farm

$692

$58

GEICO

$700

$58

Allstate

$702

$59

Mercury

$704

$59

Texas Farm Bureau

$704

$59

Mercury

$716

$60

Progressive

$723

$60

AAA Texas

$725

$60

National General

$726

$60

GEICO

$730

$61

Allstate

$731

$61

Progressive

$735

$61

National General

$736

$61

State Farm

$744

$62

Mercury

$744

$62

Foremost

$747

$62

National General

$749

$62

Allstate

$751

$63

AAA Texas

$761

$63

AAA Texas

$766

$64

National General

$766

$64

Texas Farm Bureau

$778

$65

Texas Farm Bureau

$790

$66

Progressive

$792

$66

State Farm

$796

$66

Foremost

$798

$67

Allstate

$799

$67

AAA Texas

$803

$67

GEICO

$807

$67

Texas Farm Bureau

$814

$68

AAA Texas

$828

$69

Chubb

$834

$70

Nationwide

$840

$70

Allstate

$857

$71

State Farm

$862

$72

Nationwide

$868

$72

Mercury

$869

$72

Progressive

$870

$73

GEICO

$872

$73

Allstate

$872

$73

Foremost

$883

$74

GEICO

$890

$74

State Farm

$894

$74

Nationwide

$901

$75

Chubb

$917

$76

Allstate

$917

$76

National General

$920

$77

National General

$923

$77

AAA Texas

$932

$78

Foremost

$951

$79

Progressive

$959

$80

Texas Farm Bureau

$968

$81

AAA Texas

$977

$81

Foremost

$998

$83

National General

$1,002

$83

Progressive

$1,008

$84

Mercury

$1,029

$86

GEICO

$1,041

$87

GEICO

$1,041

$87

National General

$1,048

$87

Foremost

$1,048

$87

Texas Farm Bureau

$1,061

$88

Nationwide

$1,077

$90

Nationwide

$1,082

$90

State Farm

$1,084

$90

Chubb

$1,091

$91

Nationwide

$1,110

$93

Texas Farm Bureau

$1,123

$94

Mercury

$1,126

$94

GEICO

$1,140

$95

Chubb

$1,164

$97

Allstate

$1,167

$97

Nationwide

$1,175

$98

Dairyland

$1,197

$100

Chubb

$1,200

$100

National General

$1,200

$100

Chubb

$1,203

$100

State Farm

$1,205

$100

GEICO

$1,209

$101

GEICO

$1,211

$101

Dairyland

$1,239

$103

Nationwide

$1,260

$105

State Farm

$1,271

$106

Mercury

$1,283

$107

Texas Farm Bureau

$1,288

$107

AAA Texas

$1,291

$108

Nationwide

$1,292

$108

AAA Texas

$1,296

$108

Texas Farm Bureau

$1,297

$108

Allstate

$1,300

$108

GEICO

$1,351

$113

Mercury

$1,354

$113

Allstate

$1,371

$114

Chubb

$1,385

$115

Allstate

$1,392

$116

AAA Texas

$1,433

$119

AAA Texas

$1,436

$120

Mercury

$1,456

$121

GEICO

$1,462

$122

Allstate

$1,462

$122

Dairyland

$1,468

$122

Nationwide

$1,485

$124

State Farm

$1,493

$124

GEICO

$1,496

$125

AAA Texas

$1,496

$125

AAA Texas

$1,497

$125

Nationwide

$1,502

$125

Texas Farm Bureau

$1,544

$129

Dairyland

$1,578

$132

Texas Farm Bureau

$1,599

$133

Mercury

$1,607

$134

Chubb

$1,609

$134

Nationwide

$1,609

$134

GEICO

$1,631

$136

Foremost

$1,631

$136

Mercury

$1,645

$137

Progressive

$1,657

$138

Chubb

$1,664

$139

Progressive

$1,675

$140

Foremost

$1,675

$140

National General

$1,677

$140

Dairyland

$1,681

$140

AAA Texas

$1,693

$141

Mercury

$1,716

$143

Foremost

$1,742

$145

Dairyland

$1,754

$146

Foremost

$1,756

$146

National General

$1,786

$149

Progressive

$1,798

$150

Dairyland

$1,799

$150

Progressive

$1,821

$152

GEICO

$1,838

$153

Nationwide

$1,859

$155

Allstate

$1,864

$155

National General

$1,877

$156

AAA Texas

$1,878

$157

National General

$1,886

$157

Foremost

$1,889

$157

Dairyland

$1,905

$159

GEICO

$1,914

$159

Chubb

$1,916

$160

GEICO

$1,921

$160

Mercury

$1,929

$161

Texas Farm Bureau

$1,942

$162

AAA Texas

$1,961

$163

Allstate

$1,961

$163

Nationwide

$1,966

$164

Dairyland

$1,974

$165

Foremost

$1,992

$166

National General

$2,018

$168

Progressive

$2,046

$171

Nationwide

$2,058

$172

Dairyland

$2,079

$173

Foremost

$2,106

$175

Chubb

$2,108

$176

Foremost

$2,121

$177

Chubb

$2,164

$180

Chubb

$2,179

$182

Progressive

$2,185

$182

Dairyland

$2,186

$182

National General

$2,227

$186

Foremost

$2,233

$186

Progressive

$2,284

$190

National General

$2,316

$193

Progressive

$2,358

$196

Mercury

$2,372

$198

Mercury

$2,382

$199

Nationwide

$2,451

$204

National General

$2,502

$209

Chubb

$2,510

$209

National General

$2,568

$214

Dairyland

$2,672

$223

Dairyland

$2,676

$223

Progressive

$2,708

$226

Dairyland

$2,710

$226

Chubb

$2,995

$250

Dairyland

$3,021

$252

Dairyland

$3,021

$252

Dairyland

$3,205

$267

Foremost

$3,306

$275

Dairyland

$3,372

$281

Foremost

$3,844

$320

Foremost

$3,922

$327

Chubb

$3,923

$327

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$718

$3,064

State Farm

$832

$3,548

State Farm

$853

$4,125

State Farm

$894

$3,814

State Farm

$1,176

$3,648

State Farm

$1,295

$4,368

Nationwide

$1,304

$2,346

Nationwide

$1,317

$2,529

State Farm

$1,318

$4,087

Nationwide

$1,380

$3,174

State Farm

$1,391

$5,026

State Farm

$1,449

$4,495

Nationwide

$1,469

$3,664

Nationwide

$1,472

$2,649

Nationwide

$1,495

$2,968

State Farm

$1,551

$6,002

Nationwide

$1,556

$2,800

Nationwide

$1,566

$3,007

State Farm

$1,579

$5,324

Nationwide

$1,580

$3,409

State Farm

$1,616

$5,525

Nationwide

$1,663

$3,193

Allstate

$1,678

$2,127

State Farm

$1,780

$6,796

Allstate

$1,814

$2,197

Nationwide

$1,869

$5,232

Nationwide

$1,909

$6,163

State Farm

$1,919

$7,545

State Farm

$1,932

$6,605

Nationwide

$1,952

$4,489

State Farm

$1,974

$7,536

State Farm

$1,979

$8,331

Nationwide

$2,009

$6,670

Allstate

$2,031

$2,573

Nationwide

$2,053

$6,629

Allstate

$2,059

$3,001

Nationwide

$2,123

$6,718

State Farm

$2,141

$8,473

GEICO

$2,152

$3,221

Allstate

$2,160

$2,737

GEICO

$2,164

$3,880

GEICO

$2,176

$3,083

Nationwide

$2,186

$7,831

GEICO

$2,204

$3,298

Nationwide

$2,205

$5,500

GEICO

$2,210

$3,132

GEICO

$2,216

$3,865

GEICO

$2,256

$3,541

Foremost

$2,297

$3,479

GEICO

$2,301

$3,443

Nationwide

$2,301

$8,476

GEICO

$2,303

$3,537

GEICO

$2,330

$3,302

Nationwide

$2,351

$8,421

Foremost

$2,361

$3,044

Allstate

$2,368

$2,869

State Farm

$2,374

$9,396

State Farm

$2,381

$10,397

Allstate

$2,417

$3,493

Allstate

$2,430

$3,392

Foremost

$2,467

$3,181

Foremost

$2,473

$3,313

Foremost

$2,495

$3,217

GEICO

$2,554

$5,236

Foremost

$2,570

$4,025

GEICO

$2,577

$4,619

Foremost

$2,585

$3,210

Progressive

$2,590

$3,146

Allstate

$2,602

$3,152

GEICO

$2,648

$5,310

GEICO

$2,682

$4,678

Progressive

$2,706

$5,211

Progressive

$2,734

$3,157

GEICO

$2,751

$6,245

Foremost

$2,783

$3,455

Foremost

$2,833

$3,798

Allstate

$2,841

$3,964

GEICO

$2,867

$6,411

Foremost

$2,905

$3,607

Progressive

$2,940

$5,638

Foremost

$3,027

$9,452

GEICO

$3,083

$7,000

Progressive

$3,104

$3,584

Foremost

$3,128

$9,588

Progressive

$3,136

$3,810

Foremost

$3,146

$9,822

GEICO

$3,156

$8,252

Allstate

$3,218

$5,457

Progressive

$3,234

$7,068

GEICO

$3,257

$7,284

Progressive

$3,285

$4,533

Foremost

$3,292

$10,090

Progressive

$3,298

$4,846

Allstate

$3,316

$4,630

Progressive

$3,325

$6,404

GEICO

$3,339

$8,708

Foremost

$3,375

$6,067

Progressive

$3,377

$3,900

Foremost

$3,402

$6,135

Progressive

$3,479

$4,226

Foremost

$3,558

$14,057

Progressive

$3,668

$8,088

Foremost

$3,717

$5,822

Foremost

$3,739

$14,699

Allstate

$3,799

$6,465

Foremost

$3,821

$5,789

Progressive

$3,847

$7,376

Allstate

$3,922

$5,472

Progressive

$4,096

$14,680

Progressive

$4,564

$17,006

Progressive

$4,564

$16,487

Progressive

$4,851

$17,385

Allstate

$4,891

$6,547

Progressive

$5,025

$18,785

Progressive

$5,311

$19,184

Allstate

$5,754

$7,715

Allstate

$5,969

$7,989

Allstate

$6,457

$11,393

Allstate

$7,025

$9,419

Allstate

$7,605

$13,457

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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$310

$26

State Farm

$318

$26

State Farm

$341

$28

Texas Farm Bureau

$356

$30

USAA

$383

$32

Allstate

$400

$33

USAA

$408

$34

Allstate

$410

$34

Mercury

$412

$34

State Farm

$417

$35

Mercury

$448

$37

Texas Farm Bureau

$455

$38

USAA

$459

$38

AAA Texas

$480

$40

Allstate

$500

$42

AAA Texas

$507

$42

Nationwide

$523

$44

Mercury

$533

$44

Nationwide

$548

$46

Progressive

$555

$46

Chubb

$559

$47

Progressive

$568

$47

GEICO

$586

$49

Chubb

$613

$51

GEICO

$616

$51

AAA Texas

$616

$51

State Farm

$631

$53

National General

$639

$53

Texas Farm Bureau

$654

$54

National General

$660

$55

Progressive

$665

$55

Foremost

$665

$55

GEICO

$672

$56

State Farm

$692

$58

Nationwide

$735

$61

Foremost

$780

$65

Texas Farm Bureau

$790

$66

Allstate

$799

$67

National General

$812

$68

USAA

$826

$69

USAA

$839

$70

Allstate

$872

$73

Nationwide

$884

$74

State Farm

$894

$74

Foremost

$912

$76

Mercury

$938

$78

Texas Farm Bureau

$968

$81

AAA Texas

$986

$82

Mercury

$987

$82

AAA Texas

$992

$83

USAA

$1,020

$85

GEICO

$1,021

$85

GEICO

$1,038

$87

Chubb

$1,077

$90

Nationwide

$1,081

$90

Chubb

$1,114

$93

Allstate

$1,167

$97

Dairyland

$1,180

$98

GEICO

$1,217

$101

Dairyland

$1,223

$102

Chubb

$1,282

$107

Mercury

$1,287

$107

AAA Texas

$1,291

$108

Nationwide

$1,306

$109

Progressive

$1,409

$117

Foremost

$1,428

$119

National General

$1,442

$120

Dairyland

$1,448

$121

Progressive

$1,469

$122

Foremost

$1,528

$127

National General

$1,570

$131

National General

$1,781

$148

Progressive

$1,840

$153

Foremost

$1,913

$159

Dairyland

$1,957

$163

Chubb

$2,002

$167

Dairyland

$2,169

$181

Dairyland

$2,655

$221

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.

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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?

Texas Farm Bureau

pros

Excellent score for affordability

High customer satisfaction score

Roadside assistance coverage, rideshare insurance and rental car or travel reimbursement

cons

No accident forgiveness or gap insurance

Below-average claims management cost

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

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?

Chubb

pros

High score for satisfaction

Great score for claims management

Offers diminished value coverage and original equipment manufacturer (OEM) coverage

cons

Low coverage score

Lacks accident forgiveness coverage and roadside assistance

COMPANY HIGHLIGHTS

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?

Texas Farm Bureau

pros

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

cons

Below average claims management score

No discounts for airbags or defensive driving

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.