Cheap Car Insurance Quotes in Fort Worth, Texas (2026)
State Farm offers the cheapest car insurance in Fort Worth, with minimum-coverage policies as low as $58 per month.
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Daria Kelly UhligHome Insurance Writer, Realtor
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
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Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Drivers in Fort Worth pay an overall average of $165 per month for car insurance, though rates vary widely depending on your insurer and your driving history. Due to Fort Worth’s population density, its drivers tend to pay more than motorists in several other Texas cities.
Here’s what you should know about finding car insurance in Fort Worth.
Quick Facts
State Farm, Mile Auto, and Progressive have the cheapest car insurance in Fort Worth.
Drivers in Fort Worth pay $119 for liability coverage and $210 for full coverage, on average.
All Texas car insurance policies include personal injury protection (PIP) unless you request that it be removed.
How much is car insurance in Fort Worth, TX?
Car insurance costs in Fort Worth are on par with the rates other Texas drivers pay. But Fort Worth rates are more expensive than the national average. See how Fort Worth car insurance rates compare in the table below.
 | Full Coverage | Liability Only |
|---|---|---|
| Fort Worth | $210 | $119 |
| Texas | $208 | $117 |
| National average | $173 | $99 |
Disclaimer: Table data is based on real-time Fort Worth quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest car insurance companies in Fort Worth
Many different factors affect your insurance rates, so no single insurer is the cheapest for everyone. In the table below, you can see some of the cheapest car insurance companies offering coverage to Fort Worth drivers.
The below rates in Fort Worth, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $101 | $58 |
| Progressive | $137 | $80 |
| Allstate | $142 | $81 |
| Mile Auto | $156 | $74 |
| Mercury | $171 | $112 |
| USAA | $180 | $103 |
| GEICO | $180 | $95 |
| Root | $209 | $121 |
| Safeco | $215 | $142 |
| Clearcover | $221 | $135 |
| Direct Auto | $224 | $146 |
| Nationwide | $226 | $129 |
| Elephant | $237 | $150 |
| The General | $240 | $123 |
| Bristol West | $250 | $125 |
| National General | $250 | $146 |
| GAINSCO | $257 | $128 |
| Sun Coast | $262 | $138 |
| AssuranceAmerica | $276 | $134 |
| Commonwealth Casualty | $289 | $123 |
| Chubb | $306 | $175 |
| Liberty Mutual | $340 | $263 |
| Dairyland | $345 | $121 |
| 21st Century | $353 | $202 |
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth may vary based on the policy buyer's unique driver profile.
Best car insurance companies in Fort Worth
Car insurance rates vary widely in Fort Worth, but cost isn’t the only factor you should consider. Companies consider your age, location, driving record, credit history, and more when offering you quotes.
The best car insurance company for you is the one that provides the coverage you need at rates that work with your budget. The quotes in the table below represent overall Texas averages, not just Fort Worth.
Insurance Company | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $101 | $57 | Cheap rates |
| GEICO | 9.2 | $181 | $94 | Discounts |
| USAA | 9.1 | $180 | $102 | Military members and their families |
Disclaimer: Table data is based on real-time Fort Worth quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |
4.0
Best choice in Fort Worth, TXBased on 15,929 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Fort Worth for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Fort Worth for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Texas reviews for Fort Worth drivers - See all 7,200 State Farm reviews
Johnny
Verified Review
Not worth the money.
Reviewed in Texas on March 7, 2026
The customer service agent is very rude, and the premiums are way too high for the coverage I wanted. They ask questions that have no regard to price.
Gordon
Verified Review
Too High Monthly Payments
Reviewed in Texas on March 5, 2026
The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.
Arturo
Verified Review
Expensive Insurance
Reviewed in Texas on March 4, 2026
The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.
Tina
Verified Review
Price is too high
Reviewed in Texas on March 4, 2026
I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.
William
Verified Review
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Reviewed in Texas on March 2, 2026
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Paul
Verified Review
Helpful agents over the 60 years of having coverage with State Farm.
Reviewed in Texas on March 1, 2026
I have not had any claims in recent years. No problems over the years when there was a claim.
Percy
Verified Review
Excellent service and coverage
Reviewed in Texas on February 28, 2026
Excellent, friendly, and professional.
Barbara
Verified Review
Not a Good Proposal
Reviewed in Texas on February 26, 2026
They raised the yearly cost by thousands per year. I have had the policy for over 10 years with no claims.
Troy
Verified Review
Too High
Reviewed in Texas on February 24, 2026
State Farm is not good; they increased my rates for no reason.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is America’s most popular insurance company for good reason. First, it helps you save money with discounts for bundling policies and participating in programs like Drive Safe & Save and Steer Clear. In addition, it offers optional coverages that protect you when you’re driving for a rideshare service or when an accident leaves you stranded while traveling.
Pros
Some of the lowest rates in Fort Worth
Good selection of coverages
Cons
No usage-based insurance
Drive Safe & Save discounts not available in all states
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $180/mo |
4.0
Best choice in Fort Worth, TXBased on 16,159 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Fort Worth for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Fort Worth for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Texas reviews for Fort Worth drivers - See all 7,444 GEICO reviews
James
Verified Review
Geico Is Not Cost Efficient
Reviewed in Texas on March 9, 2026
I have used Geico since 2006 on and off, and this will be my last time. They are notorious for raising my premium every renewal time. This very month I paid $188.00, and my renewal for March is $244.47—a fifty-six dollar a month increase on a 2022 Chevrolet Trax. I am on a dire fixed income and cannot afford this. I will never use Geico again. I need cheap insurance with full coverage.
Ramona
Verified Review
Don't Purchase
Reviewed in Texas on March 9, 2026
Do not buy. They don’t want to help you with a claim. They add their own coverage that is not in the policy. Very hard to get a hold of an adjuster if you need them.
Cristi
Verified Review
Price Increases at Renewal
Reviewed in Texas on March 8, 2026
I'm not going to use them again. They raise the price every time I have to renew. It's ridiculous to pay as much as I do for simple liability only.
Josh
Verified Review
Geico Two-Step
Reviewed in Texas on March 4, 2026
I have multiple insurance companies currently. Geico needs better training for their representatives. Don’t tell customers one thing and then tell the consumer the exact opposite from the next representative. I will never use Geico again, even though they are almost 50% cheaper than State Farm, Allstate, or Progressive.
Jeanette
Verified Review
Too much $$$
Reviewed in Texas on March 2, 2026
Started out well, but the price increased regularly with no claims, no accidents, and no tickets. It more than doubled in 8 years!
Zee
Verified Review
Expensive but probably a good insurance
Reviewed in Texas on February 25, 2026
It is very expensive; the Geico Auto help is very good.
Tom
Verified Review
Understand what you bought before you sign
Reviewed in Texas on February 25, 2026
Make sure they explain the policy thoroughly before you sign!
Joann
Verified Review
The Policy That Goes Up
Reviewed in Texas on February 24, 2026
I was drawn in with a low rate, then they increased it on me in 3 months.
Miguel
Verified Review
Fairness
Reviewed in Texas on February 24, 2026
They are good overall, but too expensive for my budget!
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers low rates and coverage for a variety of vehicles, including ATVs and collectible cars. You can even get covered to drive your car in Mexico. But where GEICO really shines is with its discounts.
GEICO will discount your insurance policy if your car is new or has certain safety equipment installed. GEICO also reduces rates for active and past members of the military, federal employees, and anyone who belongs to one of more than 500 groups to which GEICO offers discounts.
Pros
Many ways to save
Offers Mexico car insurance
Cons
Difficult to get customer support by phone vs. mobile app or virtual agent
Limited optional coverage
Best insurer for military members and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $103/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $180/mo |
4.9
Best choice in Fort Worth, TXBased on 3,152 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Fort Worth for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Fort Worth for
Members of the military community
Outstanding customer service
Competitive rates
Showing 56 Texas reviews for Fort Worth drivers - See all 1,485 USAA reviews
Charles
Verified Review
Sparks's Review
Reviewed in Texas on March 8, 2026
They are a good company and provide excellent customer service, but they have increased their prices so much! That is my reason for leaving them. We have had them for over 40 years!
Paul
Verified Review
Discount Restrictions
Reviewed in Texas on February 22, 2026
I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.
Alex
Verified Review
Poor
Reviewed in Texas on February 19, 2026
Be careful because they were raising rates on us.
Harvey
Verified Review
Overall Outstanding Service
Reviewed in Texas on February 18, 2026
Excellent and professional service. My minor complaint is that it is somewhat expensive.
William
Verified Review
Excellent
Reviewed in Texas on February 16, 2026
Great service, expensive.
Laura
Verified Review
25+ Years, Only 1 Small Claim
Reviewed in Texas on February 8, 2026
I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.
Edward
Verified Review
What happened to USAA Customer Service?
Reviewed in Texas on January 29, 2026
USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.
Richard
Verified Review
One claim, handled fairly reasonably, but sharp increases each year.
Reviewed in Texas on January 27, 2026
Pricey increases annually, especially in home coverage.
Jerry
Verified Review
USAA EXPERIENCE: Been a member for over 50 years and never disappointed.
Reviewed in Texas on January 27, 2026
Excellent member since 1972.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA isn’t the cheapest auto insurance company in Fort Worth. But its rates are well below average for liability-only and full-coverage insurance, and it earned Insurify’s second-highest IQ Score among Fort Worth insurers.
USAA was founded by Army officers in 1922, and its focus remains on members of the military and their families. Its vehicle insurance options might be the most extensive available in Fort Worth, with coverage for bicycles, electric bikes, and, through a third party, a variety of planes, including experimental aircraft.
Pros
Specializes in meeting the needs of military members and their families
Coverage for many vehicle types
Cons
Doesn’t have the lowest rates
Not available to non-military
How to get the cheapest car insurance in Fort Worth
Insurance companies consider several factors when calculating your insurance rate, including:[1]
Type of coverage and coverage amount
Credit history
Driving habits
ZIP code
Age and gender
Deductible
Here are some steps you can take to keep rates down:
Drive safely to avoid speeding tickets and accidents.
Improve your credit.
Raise your deductible.
Take advantage of discounts for bundling policies.
Maintain a clean driving record.
It’s also a good idea to shop around. Comparing quotes and coverage options from several Fort Worth insurance companies will help you find the best deal.
Recent quotes for Texas drivers in and around Fort Worth
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $84/mo for full coverage in Fort Worth and other Texas cities.
*Quotes generated for Insurify users in and around Fort Worth, Texas within the last 10 days. Last updated on March 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fort Worth, Texas within the last 10 days. Last updated on March 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
Texas law requires proof that you can pay for any accidents you cause. For the vast majority of Fort Worth drivers, the best way to provide it is by purchasing 30/60/25 liability insurance to cover the following state minimum liability requirements:[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
All Texas policies come with personal injury protection, or PIP, which pays for your and your passengers’ medical bills as well as lost wages and other costs, according to the Texas Department of Insurance.
Other coverages you should consider include:
Medical payments coverage
Medical payments insurance covers you and your passengers. It also covers you if you’re hurt while walking, biking, or riding in someone else’s car.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist insurance covers you if an underinsured or uninsured driver hits you or you’re the victim of a hit-and-run.
Roadside assistance coverage
Roadside assistance coverage pays for towing if your car breaks down and labor charges to fix a flat or jump-start your battery.
Rental reimbursement coverage
Rental reimbursement coverage pays for a rental while your car is out of commission after an accident or theft.
Cheapest car insurance for drivers with an incident
Any event you report to an insurance company or that gets reported has the potential to increase your rates. These events are called chargeable incidents, and insurance companies take them seriously because they indicate that you’re a higher-risk driver who is more likely to file a claim. Incidents include at-fault accidents, speeding tickets, and DUI convictions.
Find Cheap Car Insurance in Fort Worth, TX
Monthly rates start at $71 for drivers with an incident
Excellent
4.7 out of 5 based on 12,558 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding increases your risk of getting into an accident, and it also increases the severity of injuries and vehicle damage. As a result, insurance companies penalize drivers for being ticketed for speeding, especially if they’ve accumulated multiple tickets over a short period. But even one ticket can raise your rates.
The average cost of car insurance for drivers with a speeding ticket in Fort Worth is $262 per month for full coverage and $148 for liability only. The following table illustrates how a speeding ticket affects liability rates from top insurers in Fort Worth.
The below rates in Fort Worth, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $58 | $73 |
| Mile Auto | $74 | $90 |
| Progressive | $80 | $100 |
| Allstate | $81 | $105 |
| GEICO | $95 | $124 |
| USAA | $103 | $133 |
| Mercury | $112 | $156 |
| Dairyland | $121 | $151 |
| Root | $121 | $161 |
| The General | $123 | $164 |
| Commonwealth Casualty | $123 | $145 |
| Bristol West | $125 | $157 |
| GAINSCO | $128 | $152 |
| Nationwide | $129 | $167 |
| AssuranceAmerica | $134 | $170 |
| Clearcover | $135 | $174 |
| Sun Coast | $138 | $172 |
| Safeco | $142 | $186 |
| Direct Auto | $146 | $182 |
| National General | $146 | $181 |
| Elephant | $150 | $179 |
| Chubb | $175 | $222 |
| 21st Century | $202 | $265 |
| Liberty Mutual | $263 | $334 |
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Unless your auto insurance coverage includes accident forgiveness, an at-fault accident is likely to increase your insurance rate. The size of the increase depends on the claim and your insurance company. In Fort Worth, the average cost of car insurance for drivers with an accident is $276 per month for full coverage and $156 for liability only.
Here you can see how an at-fault accident affects liability rates from the cheapest car insurance companies for Fort Worth drivers.
The below rates in Fort Worth, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $58 | $76 |
| Mile Auto | $74 | $99 |
| Progressive | $80 | $105 |
| Allstate | $81 | $108 |
| GEICO | $95 | $123 |
| USAA | $103 | $138 |
| Mercury | $112 | $169 |
| Dairyland | $121 | $160 |
| Root | $121 | $161 |
| The General | $123 | $169 |
| Commonwealth Casualty | $123 | $162 |
| Bristol West | $125 | $164 |
| GAINSCO | $128 | $163 |
| Nationwide | $129 | $173 |
| AssuranceAmerica | $134 | $178 |
| Clearcover | $135 | $196 |
| Sun Coast | $138 | $181 |
| Safeco | $142 | $198 |
| Direct Auto | $146 | $198 |
| National General | $146 | $193 |
| Elephant | $150 | $195 |
| Chubb | $175 | $231 |
| 21st Century | $202 | $273 |
| Liberty Mutual | $263 | $349 |
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Under Texas law, you’re legally intoxicated when your blood-alcohol content reaches 0.08%, but any impairment that affects your driving is illegal.[3] First offenders get a $2,000 fine, three to 180 days in jail, and loss of driving privileges for up to one year. And they can also expect to see a hefty increase in their insurance premium for several years.
Fort Worth drivers pay an average of $288 per month for full coverage and $163 for liability only after a DUI conviction. The table below compares rates for Fort Worth drivers with clean driving records versus drivers with DUI convictions.
The below rates in Fort Worth, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $58 | $83 |
| Mile Auto | $74 | $106 |
| Progressive | $80 | $110 |
| Allstate | $81 | $116 |
| GEICO | $95 | $134 |
| USAA | $103 | $147 |
| Mercury | $112 | $166 |
| Dairyland | $121 | $173 |
| Root | $121 | $173 |
| The General | $123 | $176 |
| Commonwealth Casualty | $123 | $176 |
| Bristol West | $125 | $179 |
| GAINSCO | $128 | $183 |
| Nationwide | $129 | $184 |
| AssuranceAmerica | $134 | $191 |
| Clearcover | $135 | $193 |
| Sun Coast | $138 | $189 |
| Safeco | $142 | $216 |
| Direct Auto | $146 | $209 |
| National General | $146 | $209 |
| Elephant | $150 | $214 |
| Chubb | $175 | $250 |
| 21st Century | $202 | $271 |
| Liberty Mutual | $263 | $376 |
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Older drivers typically have significantly fewer accidents than younger drivers do. Beginning around age 25, insurance rates drop to reflect that lower risk. The risk — and the number of accidents — starts to increase again beginning at age 70, and rates creep up as well.
The average cost of car insurance for senior drivers in Fort Worth is $179 per month for full coverage and $101 for liability only.
Here are quotes from top insurers for senior drivers in Fort Worth.
The below rates in Fort Worth, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $45 | $79 |
| Mile Auto | $58 | $121 |
| Allstate | $65 | $114 |
| Progressive | $68 | $117 |
| GEICO | $75 | $142 |
| USAA | $83 | $145 |
| Mercury | $89 | $135 |
| Nationwide | $98 | $171 |
| Commonwealth Casualty | $98 | $231 |
| Root | $100 | $173 |
| Dairyland | $102 | $289 |
| The General | $103 | $200 |
| Bristol West | $103 | $206 |
| AssuranceAmerica | $104 | $214 |
| GAINSCO | $108 | $217 |
| National General | $114 | $195 |
| Sun Coast | $117 | $223 |
| Direct Auto | $117 | $179 |
| Clearcover | $118 | $193 |
| Elephant | $123 | $194 |
| Safeco | $123 | $186 |
| Chubb | $131 | $229 |
| 21st Century | $158 | $275 |
| Liberty Mutual | $218 | $282 |
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers are some of the riskiest drivers on the road, and the insurance premiums that they pay reflect that. They’re more likely to get into accidents or engage in risky driving behaviors like distracted driving or speeding.
Teen drivers in Fort Worth pay an average of $414 per month for full coverage and $235 for liability only.
Many insurance companies have programs to reduce the cost of teens’ auto policies. State Farm, for example, employs usage-based technology that tracks young drivers’ driving behavior and rewards safe driving with up to 30% off. You might also get a discount if you get good grades, take a professional driving course, or leave your car at home when you go to college.
Here are quotes for teen drivers in Fort Worth.
The below rates in Fort Worth, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $117 | $204 |
| Progressive | $158 | $270 |
| Mile Auto | $158 | $334 |
| Allstate | $167 | $292 |
| USAA | $199 | $348 |
| Mercury | $216 | $330 |
| Dairyland | $217 | $618 |
| Root | $218 | $377 |
| The General | $225 | $439 |
| Clearcover | $233 | $381 |
| Bristol West | $233 | $466 |
| Commonwealth Casualty | $238 | $560 |
| GAINSCO | $244 | $489 |
| Nationwide | $263 | $460 |
| Sun Coast | $272 | $517 |
| Elephant | $277 | $438 |
| AssuranceAmerica | $289 | $595 |
| Direct Auto | $292 | $449 |
| Safeco | $298 | $450 |
| National General | $307 | $526 |
| Chubb | $376 | $657 |
| 21st Century | $380 | $664 |
| Liberty Mutual | $484 | $626 |
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth may vary based on the policy buyer's unique driver profile.
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Fort Worth car insurance quotes by credit tier
While insurance rates aren’t directly tied to credit scores, they’re influenced by credit-based insurance scores that predict the likelihood that you’ll file a claim.
In Texas and every other state that allows insurers to use credit history in calculating rates, maintaining your excellent or good credit or improving poor credit could save you money.[4]
Here’s how credit correlates with average monthly insurance quotes for full coverage in Fort Worth:
Rates by Credit Tier
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.
Cost of car insurance in other Texas cities
Insurify researched average quotes for several other Texas cities. Here’s how they compare to the averages in Fort Worth:
The below rates in Fort Worth, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Big Spring | $87 | $193 |
| Abilene | $89 | $177 |
| Jacksonville | $97 | $210 |
| Temple | $98 | $176 |
| Victoria | $99 | $179 |
| Corsicana | $99 | $179 |
| Bryan | $101 | $195 |
| Commerce | $101 | $183 |
| Nacogdoches | $102 | $178 |
| Lufkin | $103 | $181 |
| Amarillo | $103 | $207 |
| El Paso | $103 | $191 |
| Texarkana | $104 | $164 |
| Cleburne | $104 | $160 |
| College Station | $105 | $192 |
| Midland | $106 | $205 |
| Lubbock | $106 | $209 |
| Greenville | $108 | $180 |
| Killeen | $108 | $192 |
| Odessa | $109 | $224 |
| New Braunfels | $110 | $186 |
| Grapevine | $111 | $174 |
| Waxahachie | $111 | $212 |
| Georgetown | $112 | $186 |
| Harlingen | $112 | $175 |
| Denton | $113 | $200 |
| Cedar Park | $113 | $202 |
| Burleson | $113 | $202 |
| Southlake | $114 | $178 |
| Huntsville | $116 | $185 |
| Lewisville | $117 | $193 |
| Coppell | $117 | $216 |
| Frisco | $118 | $204 |
| Leander | $119 | $199 |
| Laredo | $119 | $208 |
| Fort Worth | $119 | $210 |
| Round Rock | $119 | $204 |
| Keller | $120 | $192 |
| Mckinney | $121 | $207 |
| San Marcos | $121 | $208 |
| Friendswood | $122 | $207 |
| Irving | $123 | $227 |
| Brownsville | $124 | $199 |
| Mansfield | $124 | $223 |
| Haltom City | $124 | $203 |
| Plano | $126 | $206 |
| Duncanville | $126 | $237 |
| Montgomery | $127 | $231 |
| Forney | $128 | $230 |
| Arlington | $128 | $215 |
| San Antonio | $128 | $218 |
| Austin | $128 | $209 |
| Grand Prairie | $129 | $224 |
| Conroe | $130 | $204 |
| Galveston | $130 | $196 |
| Cleveland | $131 | $226 |
| Corpus Christi | $132 | $201 |
| League City | $132 | $205 |
| Balch Springs | $133 | $193 |
| Lancaster | $133 | $233 |
| Pflugerville | $134 | $204 |
| Rowlett | $135 | $235 |
| Dallas | $135 | $238 |
| Rockwall | $135 | $218 |
| Mesquite | $135 | $243 |
| Beaumont | $136 | $212 |
| Pearland | $137 | $227 |
| Mcallen | $137 | $217 |
| Baytown | $138 | $233 |
| Mission | $139 | $215 |
| Garland | $139 | $227 |
| La Porte | $139 | $206 |
| San Juan | $146 | $257 |
| Sugar Land | $150 | $228 |
| Fresno | $154 | $265 |
| Katy | $155 | $245 |
| Humble | $161 | $248 |
| Houston | $170 | $270 |
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth may vary based on the policy buyer's unique driver profile.
Fort Worth car insurance FAQs
Before you shop for car insurance in Fort Worth, check out the answers to these commonly asked questions.
How much is car insurance in Fort Worth?
Fort Worth drivers pay an average of $119 per month for liability insurance and $210 per month for full coverage. These numbers are very close to the state averages of $117 and $208.
Which companies have the cheapest car insurance in Fort Worth?
State Farm has the cheapest car insurance in Fort Worth, with a monthly liability-only rate of $58. Other affordable insurers include Mile Auto and Progressive, with liability rates of $74 and $80 per month, respectively. The cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and vehicle.
What are the best car insurance companies in Fort Worth?
Fort Worth drivers have access to many top insurance companies. The best car insurance company in Fort Worth is State Farm because of its affordable premiums, top-rated customer service, and excellent financial strength. It also has a high IQ Score of 9.3 out of 10. Other top companies include USAA and GEICO.
What is Texas’ minimum car insurance?
Texas’ minimum car insurance requirements are $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 in property damage liability.
Why is auto insurance so expensive in Fort Worth, Texas?
Auto insurance rates in Fort Worth, Texas, are high due to a number of factors. It’s a densely populated city, so the risk of accidents is higher than in many other towns. Auto insurers in the state have also begun to increase rates, according to the Texas Department of Insurance.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Texas Department of Insurance. "Auto insurance guide."
- Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI."
- Texas Department of Insurance. "Credit scoring and insurance."
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Daria Kelly UhligHome Insurance Writer, Realtor
Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
Featured in
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.