Cheapest Auto Insurance in Fort Worth, Texas (2024)

State Farm offers the cheapest car insurance in Fort Worth, with minimum-coverage policies as low as $37 per month.

Daria Kelly Uhlig
Daria Kelly Uhlig
  • 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

media logomedia logomedia logomedia logo
Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo
Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
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 Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Updated July 14, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Fort Worth, Texas

Recent Fort Worth, Texas car insurance prices for GMC, Nissan, Audi , and more.

*Quotes generated for Insurify users in and around Fort Worth, Texas within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 11, 2024. 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 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Fort Worth pay an overall average of $183 per month for car insurance, though rates vary widely depending on your insurer and your driving history. Due to Forth Worth's population density, its drivers tend to pay more than motorists in several other Texas cities. 

National insurers State Farm, GEICO, and USAA have some of the best car insurance rates in Fort Worth. All three companies compare quite favorably to the state’s overall average cost of $185 per month, according to Insurify data. To find the best rates for you, compare quotes and look at the different coverages available.

Quick Facts
  • State Farm, GEICO, and Allstate have the cheapest car insurance in Fort Worth.

  • Drivers in Forth Worth pay $121 for liability coverage and $245 for full coverage, on average.

  • All Texas car insurance policies include personal injury protection (PIP) unless you request that it be removed.

3 of the cheapest 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 CompanyIQ 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 CoverageLiability OnlyBest For
State Farm9.3$65$37Cheap rates
GEICO9.0$71$40Discounts
USAA9.4$116$66Military members and their families
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.
  • 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.3
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.
$37/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.
$64/mo

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

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
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.
9.0/10
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.
$40/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.
$70/mo

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

Read more driver reviews of GEICO
Scott - July 14, 2024
Verified

Harley Davidson for an Old Man

I feel safe with my motorcycle.

Andrew - July 14, 2024
Verified

Policy Cancelled for Illegitimate Reason

I would definitely recommend setting up your policy over the phone with a representative, or in person if possible.

Patricia - July 14, 2024
Verified

Too Expensive!

I had one accident and my monthly rate jumped from $80.00 to $242.00. Not good!

Best insurer for military members and their families: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
9.4/10
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.
$65/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.
$115/mo

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

Read more driver reviews of USAA
Jane - July 14, 2024
Verified

Easy

Great

Ann - July 13, 2024
Verified

Mediocre Company

They are requiring us to cover our house for more than we feel is necessary. Their deductible for hail damage is $10,000 and the premiums are high.

Laurence - July 13, 2024
Verified

Greed and Lack of Respect

It's almost impossible to reach them by phone. They are rapidly raising rates without cause, despite my loyalty of over 58 years.
Check Out: Cheapest Car Insurance Companies with Affordable Rates

Check Out: Cheapest Car Insurance Companies with Affordable Rates

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

  • Driving record

  • 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.

Find Car Insurance in Fort Worth

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Fort Worth: State Farm

Liability insurance covers the cost of the other driver’s car repairs and medical bills — as well as their passengers’ — if you’re at fault in an accident. Most states require a certain amount of liability coverage, but if the minimum isn’t enough to adequately protect your finances, you can purchase additional coverage.[2]

Buying only minimum coverage can be a way to save money, but this type of policy isn't for everyone. A liability-only policy can make sense if you own an older, less expensive vehicle and don't have an auto loan on it.

Liability-only policies in Fort Worth cost $121 per month, on average. The following table shows minimum coverage quotes for Fort Worth drivers.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyAverage Monthly Quote
State Farm$37
GEICO$40
Allstate$52
Mile Auto$54
Hugo$57
USAA$65
Nationwide$82
Mercury$84
Safeco$85
Midvale Home & Auto$96
Progressive$97
Dairyland$103
Chubb$112
Clearcover$112
National General$119
21st Century$129
Elephant$130
Direct Auto$131
Commonwealth Casualty$135
Liberty Mutual$135
The General$137
Bristol West$148
GAINSCO$156
State Auto$171
AssuranceAmerica$173
Infinity$193
Hallmark$194
Foremost$218
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Fort Worth: State Farm

Liability insurance doesn’t cover your own damages. For that, you need full-coverage car insurance, which adds collision and comprehensive coverages to your liability insurance. Collision covers the cost of repairing or replacing your car if you’re in a collision with another vehicle or a stationary object like a light pole. Comprehensive covers damage from non-collision events, such as fire, flood, theft, and vandalism.

Full coverage makes sense if you drive a newer vehicle, or one that will be more expensive to repair. If you lease or finance your car, your leasing company or lender will also likely require you to buy full coverage.

Drivers in Fort Worth pay an average of $245 per month for full-coverage insurance. Here are full-coverage quotes from some top insurers in Forth Worth.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyAverage Monthly Quote
State Farm$64
GEICO$70
Allstate$91
Mile Auto$113
USAA$115
Clearcover$140
Mercury$140
Hugo$142
Nationwide$164
Progressive$170
Safeco$171
Midvale Home & Auto$177
Chubb$195
Elephant$219
21st Century$226
AssuranceAmerica$232
National General$256
Direct Auto$264
Dairyland$267
Liberty Mutual$275
The General$293
Bristol West$308
Infinity$310
State Auto$331
GAINSCO$343
Commonwealth Casualty$359
Foremost$455
Hallmark$457
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Recent quotes for Texas drivers in and around Forth Worth

Recent Fort Worth, Texas car insurance prices for GMC, Hyundai, Volkswagen , and more.

*Quotes generated for Insurify users in and around Fort Worth, Texas within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 11, 2024. 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 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 11, 2024. 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:[3]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments covers you and your passengers. It also covers you if you’re hurt while walking, biking, or riding in someone else’s car.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This covers you if you’re hit by an underinsured or uninsured driver or are the victim of a hit-and-run.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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 $46 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $348 per month for full coverage and $172 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 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyClean Driving RecordWith Speeding Ticket
State Farm$37$48
GEICO$40$52
Allstate$52$67
Mile Auto$54$74
Hugo$57$78
USAA$65$84
Nationwide$82$107
Mercury$84$117
Safeco$85$112
Midvale Home & Auto$96$129
Progressive$97$126
Dairyland$103$134
Chubb$112$148
Clearcover$112$147
National General$119$154
21st Century$129$173
Elephant$130$185
Direct Auto$131$170
Commonwealth Casualty$135$192
Liberty Mutual$135$192
The General$137$180
Bristol West$148$191
GAINSCO$156$222
State Auto$171$240
AssuranceAmerica$173$228
Infinity$193$261
Hallmark$194$252
Foremost$218$310
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $375 per month for full coverage and $185 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 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyClean Driving RecordWith Accident
State Farm$37$51
GEICO$40$56
Allstate$52$72
Mile Auto$54$80
Hugo$57$77
USAA$65$90
Nationwide$82$115
Mercury$84$124
Safeco$85$115
Midvale Home & Auto$96$141
Progressive$97$137
Dairyland$103$143
Chubb$112$157
Clearcover$112$166
National General$119$166
21st Century$129$183
Elephant$130$177
Direct Auto$131$186
Commonwealth Casualty$135$184
Liberty Mutual$135$204
The General$137$194
Bristol West$148$203
GAINSCO$156$209
State Auto$171$259
AssuranceAmerica$173$240
Infinity$193$264
Hallmark$194$260
Foremost$218$329
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.[4] First offenders get a $2,000 fine, three to 180 days in jail, and loss of driving privileges for up to a 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 $424 per month for full coverage and $209 for liability only after a DUI conviction. The table below compares rates for Forth Worth drivers with clean driving records vs. those with DUI convictions.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyClean Driving RecordWith DUI
State Farm$37$63
GEICO$40$68
Allstate$52$89
Mile Auto$54$83
Hugo$57$86
USAA$65$111
Nationwide$82$140
Mercury$84$130
Safeco$85$145
Midvale Home & Auto$96$164
Progressive$97$166
Dairyland$103$176
Chubb$112$191
Clearcover$112$191
National General$119$203
21st Century$129$220
Elephant$130$222
Direct Auto$131$224
Commonwealth Casualty$135$231
Liberty Mutual$135$231
The General$137$234
Bristol West$148$253
GAINSCO$156$266
State Auto$171$292
AssuranceAmerica$173$295
Infinity$193$330
Hallmark$194$331
Foremost$218$372
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $178 per month for full coverage and $88 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 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyLiability OnlyFull Coverage
State Farm$27$47
GEICO$30$52
Hugo$38$95
Mile Auto$38$80
Allstate$39$69
USAA$49$86
Nationwide$57$115
Mercury$60$100
Progressive$65$114
Safeco$65$131
Midvale Home & Auto$69$127
Chubb$77$134
Dairyland$77$200
Clearcover$85$106
National General$87$188
21st Century$90$158
Direct Auto$95$192
Elephant$97$164
Commonwealth Casualty$101$268
Liberty Mutual$102$208
The General$105$225
Bristol West$111$232
GAINSCO$121$267
AssuranceAmerica$123$164
State Auto$123$238
Infinity$136$219
Hallmark$139$327
Foremost$160$334
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.

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.

Teen drivers in Fort Worth pay an average of $430 per month for full coverage and $212 for liability only. Here are quotes for teen drivers in Fort Worth.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyLiability OnlyFull Coverage
State Farm$62$107
Allstate$90$158
Hugo$98$244
Mile Auto$104$217
USAA$107$189
Nationwide$139$278
Mercury$151$252
Midvale Home & Auto$164$302
Dairyland$170$440
Progressive$173$303
Safeco$174$351
Chubb$206$358
Elephant$212$357
21st Century$214$374
Clearcover$215$269
The General$219$468
National General$227$489
Commonwealth Casualty$236$627
Direct Auto$236$476
Liberty Mutual$246$500
Bristol West$249$518
GAINSCO$274$602
State Auto$300$582
AssuranceAmerica$318$426
Hallmark$340$800
Infinity$350$563
Foremost$383$799
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Cheap Car Insurance in Fort Worth

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Fort Worth car insurance quotes by credit tier

While insurance rates aren’t directly tied to credit scores, per se, 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.[5]

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.

Is car insurance more expensive in Fort Worth?

Texas has the 13th-highest insurance rates in the country. The average rate for Fort Worth drivers is $183, which is on par with the state average of $185, and this falls about in the middle compared to other Texas cities. Drivers in Fort Worth pay more than Corpus Christi drivers but less than Austin and Dallas drivers.

Various factors affect rates from one area to another, including crime rates, the number and cost of lawsuits, the cost of medical care, the cost of auto repairs, the prevalence of auto insurance fraud, and weather.

More cities in Texas

Insurify researched average quotes for several other Texas cities. Here’s how they compare to the averages in Fort Worth:

CityLiability OnlyFull Coverage
Amarillo$106$249
Arlington$127$255
Austin$129$243
Corpus Christi$124$228
Dallas$135$284
El Paso$93$215
Galveston$126$243
Houston$170$324
Lubbock$106$234
San Antonio$123$245
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.

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 $121 per month for liability insurance and $245 per month for full coverage. These numbers are very close to the state averages of $119 and $250.

  • 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 $37. Other affordable insurers include GEICO and Allstate, with liability rates of $40 and $52 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 5. 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Insurance Information Institute. "Auto Insurance Basics."
  3. Texas Department of Insurance. "Automobile insurance guide."
  4. Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI."
  5. Texas Department of Insurance. "Credit Scoring and Insurance."
Daria Kelly Uhlig
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo
Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
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 Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all