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Quick Facts
  • The average cost of car insurance in Forney is $261 per month or $3,132 annually.

  • Car insurance in Forney is $9 less than the average cost of insurance in Texas.

  • The cheapest car insurance provider in Forney on average is Progressive.

Car Insurance in Forney, TX

You might have heard the saying that “bigger is better,” but that isn’t always the case. Take insurance rates, for example. Larger premiums can leave drivers strapped for cash. In Forney, drivers pay an average of $261 per month for car insurance premiums. That doesn’t always have to be the case, especially if you compare car insurance quotes before buying a policy.

Quotes by Top Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cheap Car Insurance Texas

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Cheapest Car Insurance in Forney, TX

What is the cheapest car insurance in Forney?

Progressive is the cheapest car insurance provider on average in Forney, with rates starting at $147 per month. It still makes sense to compare car insurance rates because everyone’s situation is different.

Car insurance rates for Forney drivers can vary by hundreds of dollars depending on the provider. With such a large difference, you can see how shopping around is an important step in finding cheaper car insurance premiums.

Insurance CompanyAverage Monthly Quote
Progressive$147
Travelers$202
Bristol West$241
State Auto$248
Nationwide$263
Dairyland$280
Liberty Mutual$288
Apparent$166
Elephant$172
Mile Auto$172
Clearcover$181
Kemper Preferred$207
Safeco$211
Foremost$211
SafeAuto$212
Commonwealth Casualty$219
Aggressive$221
Direct Auto$230
GAINSCO$245
Stillwater$251
Kemper$255
Mercury$255
AssuranceAmerica$258
Midvale Home & Auto$264
Kemper Specialty$283
Jupiter$301
The General$303
Aspen$304
Alinsco$323
Texas Ranger$323
Quantum$355
Pronto$368
Hallmark$383
Freedom National$388
Infinity$391
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Minimum Car Insurance Requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas[1] are:

  • $30,000 per person for bodily injury

  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Forney Car Insurance Rates by Driving and Accident History

Driving history is one of the most important factors insurers consider when providing a car insurance quote[1]. Better drivers with clean driving records typically enjoy cheaper premiums compared to someone with a DUI, at-fault accident, or other violation. Luckily, you have some control over your record. Practicing safe driving habits can help keep your rates down.

Driver HistoryAverage Monthly Cost
Clean Record$244
Speeding Ticket$327
At-Fault Accident$356
DUI$486
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More:

High-Risk Car Insurance Texas

DUI Car Insurance Texas

Forney Car Insurance Rates by Credit Tier

Your credit impacts more than just your interest rate. Under Texas law, insurance companies can pull your credit score and use it as a factor to determine your premiums[2]. Generally, the better your credit, the better your auto insurance quote will be, as insurance companies consider credit history as a predictive factor for how likely you are to file a claim.

Credit TierAverage Monthly Cost
Excellent$213
Good$252
Average$277
Poor$429
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How to Get the Cheapest Car Insurance in Forney

The best way to get the cheapest car insurance in Forney, Texas, is to compare quotes from different companies. It is important to shop around because rates can vary depending on many factors—from where you live and how much coverage you want to which company you choose. Insurify makes comparing easy, helping you find a cheap insurance policy in only a few minutes.

Drivers should also be on the lookout for any discounts they might qualify for. Just about every insurance company offers them, with one of the most common discounts being bundling your auto insurance with homeowners insurance, renters insurance, or other insurance products. Taking advantage of these offers can really knock down your monthly premiums.

Frequently Asked Questions

  • How do I find cheap car insurance in Forney, TX?

    The cheapest car insurance for drivers in Forney depends on your needs. Opting for liability coverage that meets the state’s minimum requirements is less expensive than buying collision and comprehensive coverage with it. However, the best way to find cheap auto insurance coverage is to compare quotes from multiple companies.

  • How much does car insurance cost in Forney, TX?

    The average cost of car insurance in Forney is $261 per month or $3,132 annually. Progressive has the cheapest average rate of $147 per month. How much you pay depends on a few factors, such as where you live and the type of car you drive, as well as your coverage options, credit score, driving history, and other factors.

  • What drives up car insurance rates in Forney, TX?

    A poor driving history and low credit scores can increase your auto insurance rates. You’ll also pay more for higher coverage limits and add-on policy options. However, adjusting your policy above the state’s minimum requirements can offer more financial protection. Keep your rates low by understanding your insurance needs and keeping your driving and credit records clean.

Compare Car Insurance Quotes Instantly

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Based on 3,806+ reviews
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Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Texas Department of Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  2. Texas Department of Insurance. "How your credit score can affect your insurance rates." Accessed July 7, 2022
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.