Cheap Car Insurance Quotes in Fort Worth, Texas (2025)
State Farm offers the cheapest car insurance in Fort Worth, with minimum-coverage policies as low as $48 per month.
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Table of contents
Drivers in Fort Worth pay an overall average of $175 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, Allstate, and Mile Auto have the cheapest car insurance in Fort Worth.
Drivers in Fort Worth pay $124 for liability coverage and $226 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 | $226 | $124 |
| Texas | $227 | $126 |
| National average | $192 | $107 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $82 | $48 |
| Allstate | $116 | $68 |
| Mile Auto | $140 | $69 |
| USAA | $146 | $87 |
| Mercury | $160 | $96 |
| Progressive | $175 | $101 |
| Nationwide | $184 | $109 |
| GEICO | $189 | $130 |
| Safeco | $209 | $129 |
| Clearcover | $219 | $133 |
| Root | $220 | $120 |
| Elephant | $245 | $155 |
| The General | $245 | $124 |
| Chubb | $248 | $147 |
| Direct Auto | $249 | $145 |
| National General | $258 | $143 |
| Bristol West | $260 | $125 |
| AssuranceAmerica | $278 | $128 |
| 21st Century | $287 | $170 |
| GAINSCO | $307 | $151 |
| Dairyland | $326 | $121 |
| Liberty Mutual | $336 | $255 |
| Commonwealth Casualty | $355 | $131 |
| Foremost | $418 | $202 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 | $87 | $54 | Cheap rates |
| GEICO | 9.2 | $185 | $130 | Discounts |
| USAA | 9.1 | $155 | $96 | Military members and their families |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 | 4.1 |
|---|---|
| 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. | $48/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. | $82/mo |
4.1
Best choiceBased on 11,351 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,071)
Ethline
Verified Review
Insurance Increase
Reviewed in Maryland on July 2025
My only problem with State Farm is the rising cost of my insurance. I've been with them for about 35 years, and my husband had one accident last year, causing the premiums to increase by 100%. What's that about? They've just increased mine as well.
Deidre
Verified Review
Florida Insurance Cost Woes
Reviewed in Florida on July 2025
It seems to be the best price here in Florida. Customer service is lacking. There's no agent to talk to. When we bought the policy, we had an agent who was okay, but he left, and now it is a house account. We would prefer a broker to find us the best rate, but alas, that is lacking in Florida. We feel frustrated and alone in trying to find the best rate. We had a better deal in Arizona.
Jim
Verified Review
Left wanting more for my money.
Reviewed in Ohio on July 2025
They and others are too expensive. I have one homeowner's claim in 37 years of home ownership and still pay too much.
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. | $130/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. | $189/mo |
4.0
Best choiceBased on 12,043 verified guest 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 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 For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,445)
Irene
Verified Review
My husband and I shared a policy. He got into multiple accidents, and I got into none. When I tried to switch insurance companies, the accidents he was involved in showed up under my name. Geico refused to correct it, and now I am paying higher insurance because of it.
Reviewed in New Jersey on July 2025
My husband and I shared a policy. He got into multiple accidents, and I got into none. When I tried to switch insurance companies, the accidents he was involved in showed up under my name. Geico refused to correct it, and now I am paying higher insurance because of it.
Jared
Verified Review
Geico: Slow Like Race Day
Reviewed in North Carolina on July 2025
Fast responsive call center for claims, but the claim associate took forever to get claim amounts back in full. She was always driving when you called to chat about your policy and issues. It took 1.5 years to complete and get a great body shop to repair my vehicle. The shop still left the hood ground unhooked and hurried the claim to get my money. Paint and body work are not satisfactory after a closer look. Geico is disappointing.
Valery
Verified Review
Geico constantly raises rates
Reviewed in Oregon on July 2025
Stay away from Geico. They do not lower rates for good drivers, drivers using dashcams, accident-free, ticket-free. They constantly raise rates, claiming that the state raised the insurance rates, which is misleading. They seem more interested in giving their shareholders bigger dividends and are not there for the consumer.
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. | $87/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. | $146/mo |
4.9
Best choiceBased on 2,120 verified guest 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 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 For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,202)
Judy
Verified Review
Thoughts on USAA
Reviewed in Texas on July 2025
They are good so far, although I've never had to contact them. I would like a lower monthly premium, but no one has given a lesser amount for insurance and a small renters policy.
Alvin
Verified Review
Top Notch Service!
Reviewed in Texas on July 2025
They're very customer-friendly. They offer the most bang for your bucks!
Kenneth
Verified Review
Too long with USAA, apparently.
Reviewed in Florida on July 2025
Thirty-plus year member. Love the distribution at the end of the year; not impressed with the steady increase in premiums, especially since I’ve had only two claims since I joined, neither very costly to USAA. I’m looking for less cost and much better customer appreciation.
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
Recent Fort Worth, Texas car insurance prices for Chevrolet, Jeep, Mercedes Benz , and more.
*Quotes generated for Insurify users in and around Fort Worth, Texas within the last 10 days. Last updated on July 29, 2025. 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 July 29, 2025. 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 July 29, 2025. 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 July 29, 2025. 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 $55 for drivers with an incident
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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 $266 per month for full coverage and $146 for liability only. The following table illustrates how a speeding ticket affects liability rates from top insurers in Fort Worth.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $48 | $57 |
| Allstate | $68 | $81 |
| Mile Auto | $69 | $79 |
| USAA | $87 | $104 |
| Mercury | $96 | $125 |
| Progressive | $101 | $119 |
| Nationwide | $109 | $131 |
| Root | $120 | $151 |
| Dairyland | $121 | $145 |
| The General | $124 | $157 |
| Bristol West | $125 | $151 |
| AssuranceAmerica | $128 | $148 |
| Safeco | $129 | $159 |
| GEICO | $130 | $160 |
| Commonwealth Casualty | $131 | $149 |
| Clearcover | $133 | $165 |
| National General | $143 | $171 |
| Direct Auto | $145 | $175 |
| Chubb | $147 | $176 |
| GAINSCO | $151 | $173 |
| Elephant | $155 | $179 |
| 21st Century | $170 | $208 |
| Foremost | $202 | $246 |
| Liberty Mutual | $255 | $310 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $280 per month for full coverage and $154 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 are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $48 | $59 |
| Allstate | $68 | $84 |
| Mile Auto | $69 | $87 |
| USAA | $87 | $108 |
| Mercury | $96 | $133 |
| Progressive | $101 | $125 |
| Nationwide | $109 | $137 |
| Root | $120 | $147 |
| Dairyland | $121 | $152 |
| The General | $124 | $162 |
| Bristol West | $125 | $157 |
| AssuranceAmerica | $128 | $151 |
| Safeco | $129 | $170 |
| GEICO | $130 | $153 |
| Commonwealth Casualty | $131 | $164 |
| Clearcover | $133 | $188 |
| National General | $143 | $178 |
| Direct Auto | $145 | $187 |
| Chubb | $147 | $183 |
| GAINSCO | $151 | $184 |
| Elephant | $155 | $193 |
| 21st Century | $170 | $215 |
| Foremost | $202 | $256 |
| Liberty Mutual | $255 | $323 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $274 per month for full coverage and $150 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 are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $48 | $66 |
| Allstate | $68 | $93 |
| Mile Auto | $69 | $94 |
| USAA | $87 | $119 |
| Mercury | $96 | $131 |
| Progressive | $101 | $122 |
| Nationwide | $109 | $149 |
| Root | $120 | $164 |
| Dairyland | $121 | $165 |
| The General | $124 | $169 |
| Bristol West | $125 | $171 |
| AssuranceAmerica | $128 | $175 |
| Safeco | $129 | $180 |
| GEICO | $130 | $178 |
| Commonwealth Casualty | $131 | $179 |
| Clearcover | $133 | $182 |
| National General | $143 | $195 |
| Direct Auto | $145 | $198 |
| Chubb | $147 | $201 |
| GAINSCO | $151 | $206 |
| Elephant | $155 | $212 |
| 21st Century | $170 | $232 |
| Foremost | $202 | $276 |
| Liberty Mutual | $255 | $348 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $188 per month for full coverage and $103 for liability only.
Here are quotes from top insurers for senior drivers in Fort Worth.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $37 | $63 |
| Mile Auto | $52 | $106 |
| Allstate | $54 | $93 |
| USAA | $69 | $116 |
| Mercury | $78 | $130 |
| Nationwide | $81 | $137 |
| Progressive | $84 | $145 |
| Dairyland | $97 | $261 |
| AssuranceAmerica | $97 | $212 |
| The General | $99 | $195 |
| Root | $99 | $182 |
| GEICO | $100 | $146 |
| Bristol West | $101 | $209 |
| Commonwealth Casualty | $103 | $280 |
| National General | $108 | $196 |
| Chubb | $108 | $182 |
| Safeco | $110 | $179 |
| Direct Auto | $112 | $193 |
| Clearcover | $115 | $189 |
| GAINSCO | $124 | $252 |
| Elephant | $126 | $199 |
| 21st Century | $129 | $218 |
| Foremost | $169 | $350 |
| Liberty Mutual | $210 | $276 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $441 per month for full coverage and $242 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 are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $94 | $160 |
| Allstate | $137 | $234 |
| Mile Auto | $145 | $295 |
| USAA | $164 | $275 |
| Mercury | $185 | $308 |
| Progressive | $197 | $342 |
| Dairyland | $208 | $560 |
| Nationwide | $216 | $365 |
| Root | $216 | $397 |
| The General | $220 | $434 |
| Bristol West | $231 | $480 |
| Clearcover | $242 | $399 |
| Commonwealth Casualty | $246 | $668 |
| AssuranceAmerica | $261 | $566 |
| Safeco | $271 | $440 |
| Elephant | $276 | $436 |
| GAINSCO | $290 | $590 |
| Direct Auto | $293 | $502 |
| National General | $298 | $537 |
| Chubb | $317 | $535 |
| 21st Century | $320 | $541 |
| Foremost | $396 | $819 |
| Liberty Mutual | $475 | $625 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 |
|---|---|---|
| Abilene | $95 | $195 |
| El Paso | $104 | $199 |
| Amarillo | $109 | $226 |
| Killeen | $109 | $203 |
| Midland | $110 | $217 |
| Lubbock | $111 | $220 |
| Odessa | $112 | $246 |
| San Marcos | $114 | $220 |
| Huntsville | $116 | $217 |
| Denton | $122 | $212 |
| Laredo | $123 | $210 |
| Brownsville | $124 | $210 |
| Fort Worth | $124 | $226 |
| Plano | $128 | $224 |
| San Antonio | $129 | $231 |
| Arlington | $131 | $233 |
| Grand Prairie | $132 | $244 |
| Irving | $132 | $243 |
| Corpus Christi | $134 | $220 |
| Austin | $134 | $222 |
| Galveston | $135 | $216 |
| Mesquite | $137 | $248 |
| Dallas | $138 | $259 |
| Garland | $138 | $242 |
| Mcallen | $141 | $219 |
| Beaumont | $143 | $242 |
| Houston | $178 | $297 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $124 per month for liability insurance and $226 per month for full coverage. These numbers are very close to the state averages of $126 and $227.
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 $48. Other affordable insurers include Allstate and Mile Auto, with liability rates of $68 and $69 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 90 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 Uhlig
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
Daria has been a contributor at Insurify since October 2022.
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
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.
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.