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Cheap Auto Insurance Quotes in Fort Worth, TX (2023)

Commonwealth Casualty, Mile Auto, and Safeco offer the cheapest car insurance for full-coverage insurance in Fort Worth.

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John Egan
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John Egan
John Egan
Written by
John Egan
John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
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Amber Benka
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Reviewed by
Amber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated December 21, 2022

Nearly a million people live in Fort Worth, but this represents just over 3% of the population of Texas.[1] But its proximity to Dallas, with a population of 1.2 million,[2] means that the immediate Dallas-Fort Worth area has more than 2 million residents. There are 2.1 million vehicles registered in Dallas[3] and 1.7 million vehicles registered in Tarrant County,[4] where Fort Worth sits.

Every one of those vehicles in Fort Worth, Texas, must have at least the minimum-required car insurance for their owners to legally drive them. In Fort Worth, drivers pony up an average of $178 a month for minimum-coverage insurance — $85 less (32%) per month than the Texas average of $263.

How much does car insurance cost in Fort Worth?

The cost of car insurance can vary in Fort Worth based on factors like age, gender, location, and the type of car you drive.[5]

Insurify data scientists analyzed the latest insurance rates in Fort Worth to identify the cheapest quotes in the area. Insurify found that the average quote for liability-only coverage for Fort Worth drivers ranged from $111 to $298 a month and that the average quote for full-coverage insurance is $158 to $666 a month.

Here are some of the cheapest insurers in Fort Worth:

  • Cheapest liability-only insurance in Fort Worth: Commonwealth Casualty, at $111 a month

  • Cheapest full-coverage insurance in Fort Worth: Mile Auto, at $158 a month

  • Cheapest insurance for new and young drivers in Fort Worth: Travelers, at $163 a month

Learn More: Cheapest Car Insurance in Texas

Cheapest car insurance in Fort Worth: Mile Auto

At an average monthly rate of $142, Mile Auto offers the cheapest car insurance in Fort Worth.

Factors that influence car insurance rates include your location, driving record, and age.[5]

In late 2022, Rich Johnson, a spokesman for the Insurance Council of Texas, said inflation, increased labor expenses, and higher costs for auto parts are among the reasons that car insurance rates in Texas had risen over the past five years. In 2022 alone, rates in Texas went up by an average of 20%, according to Johnson.

The following table shows average car insurance rates in Fort Worth.

Insurance CompanyLiability OnlyFull Coverage
Commonwealth Casualty$111$335
Mile Auto$121$158
Safeco$124$236
Travelers$130$190
State Auto$130$260
SafeAuto$131$164
Progressive$132$173
Aspen$132$455
GAINSCO$133$344
Aggressive$136$357
Quantum$144$544
Kemper$145$302
Apparent$149$204
Midvale Home & Auto$149$246
Freedom National$152$438
Direct Auto$158$177
Clearcover$160$209
Alinsco$178$381
Elephant$187$225
The General$189$319
Mercury$194$276
AssuranceAmerica$194$302
Liberty Mutual$195$294
Bristol West$204$317
Infinity$224$391
Nationwide$238$236
Hallmark$298$549
ProntoN/A$354
AcuityN/A$354
Foremost SignatureN/A$363
StillwaterN/A$666
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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How much car insurance do you need in Fort Worth?

Texas law requires a minimum amount of car insurance that drivers must carry. An estimated 20% of Texas drivers don’t carry car insurance.[6] Failure to comply comes with a fine of $175 to $350 on the first offense.[7] On the second offense, the fine is $350 to $1,000, your license is suspended, and your car may be impounded.[8]

Texas is an at-fault state, so the driver who’s responsible for the accident is also responsible for paying for any related expenses, either through their car insurance company or out of their own pocket.

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

  • $30,000 per person and $60,000 per accident for bodily injury 

  • $25,000 per accident for property damage

Texas DMV information

The Texas Department of Motor Vehicles (TxDMV) registers vehicles and oversees car dealers across the state. Vehicle registration renewals can be done in person, online, or by mail. Another state agency, the Texas Department of Public Safety (DPS), issues and renews driver’s licenses. Driver’s licenses can be renewed at DPS offices around the state, as well as online, by phone, or by mail.

Tips for getting cheap car insurance in Fort Worth

You can make a number of moves to get cheap car insurance in Fort Worth, such as:

  • Choosing a higher deductible: If you pick a $1,000 deductible rather than a $500 deductible, your car insurance premium will be lower.

  • Asking about discounts: Insurers may provide discounts for completing a defensive driving or driver’s education class, maintaining a clean driving record, and insuring more than one car with the same company.

  • Bundling coverage: If you buy two different types of policies with the same insurer, such as car insurance and home insurance, you could reduce your premium.[9]

  • Comparing quotes: The Insurance Information Institute suggests obtaining car insurance quotes from at least three companies and comparing them based on factors such as price and coverage.[10]

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Fort Worth

Generally, older drivers pay less for car insurance than younger drivers. Insurers view mature drivers as safer drivers, as they tend to get into fewer accidents than less experienced drivers do.[5]

However, drivers 70 and over may see their car insurance premiums climb because their rates for getting into fatal crashes are higher than those for middle-aged drivers.[11]

Here are the average monthly rates by age group for car insurance customers in Fort Worth.

Age GroupAverage Monthly Quote
Teenagers$489
Under 25$341
25–29$241
30s$210
40s$196
50s$169
60s$168
70s$180
80+$203
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.

Below, you’ll find data on the cheapest car insurance for young drivers, middle-aged drivers, and senior drivers in Fort Worth. These averages apply to full-coverage policies.

Cheapest car insurance for young drivers in Fort Worth

The cheapest car insurance for young drivers in Fort Worth is sold by Progressive, at $189 a month. Among the ways that young drivers can save money on car insurance is by completing a driver’s education course or earning good grades.[10]

Insurance CompanyAverage Monthly Quote
Progressive$189
Apparent$200
Travelers$203
Mile Auto$208
Elephant$214
Clearcover$223
SafeAuto$223
Safeco$251
Nationwide$263
Direct Auto$267
Commonwealth Casualty$282
State Auto$288
Kemper$308
Midvale Home & Auto$308
Mercury$309
Kemper Specialty$312
GAINSCO$317
Quantum$321
Aggressive$333
Aspen$333
Bristol West$341
AssuranceAmerica$350
Liberty Mutual$353
The General$356
Freedom National$406
Alinsco$409
Infinity$418
Hallmark$589
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.

Cheapest car insurance for middle-aged drivers in Fort Worth

The cheapest car insurance for middle-aged drivers in Fort Worth is from Mile Auto, at $110 a month. Among the ways middle-aged drivers can save money on car insurance is to compare quotes from several companies, raise their deductible, and maintain an accident and violation free driving record.[10]

Insurance CompanyAverage Monthly Quote
Mile Auto$110
Progressive$126
SafeAuto$135
Direct Auto$145
Apparent$148
Clearcover$148
Commonwealth Casualty$158
Safeco$162
Elephant$166
Travelers$168
Aggressive$169
Nationwide$176
Kemper$177
GAINSCO$178
Quantum$182
Midvale Home & Auto$185
AssuranceAmerica$191
Aspen$200
Mercury$202
Foremost Signature$206
Bristol West$207
Liberty Mutual$207
State Auto$208
The General$211
Alinsco$227
Freedom National$233
Infinity$233
Hallmark$332
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.

Cheapest car insurance for senior drivers in Fort Worth

The cheapest car insurance for senior drivers in Fort Worth is from Mile Auto, at $89 a month. Ways that senior drivers can save money on car insurance include completing an accident prevention course and raising their deductible.[12]

Insurance CompanyAverage Monthly Quote
Mile Auto$89
Progressive$92
Apparent$119
SafeAuto$126
Direct Auto$131
Elephant$135
Safeco$138
Clearcover$141
Travelers$147
Commonwealth Casualty$149
Kemper Specialty$154
Midvale Home & Auto$156
Aggressive$161
Mercury$161
GAINSCO$164
Nationwide$164
Aspen$165
Liberty Mutual$168
Alinsco$178
State Auto$178
AssuranceAmerica$182
Foremost Signature$184
Bristol West$187
The General$191
Quantum$203
Infinity$216
Freedom National$226
Hallmark$323
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How credit scores affect cheap car insurance in Fort Worth

Your credit history can affect how much you pay for car insurance. Texas allows insurers to use credit-based insurance scores to decide whether to extend coverage to you and to set your rates. Not all car insurance companies use these scores, though.

Credit-based insurance scores aren’t the same as credit scores. Insurance scores, while based on your credit history, help insurers predict how likely you are to file a claim.[13] Credit scores, on the other hand, help lenders and creditors gauge how responsible you are with your credit lines.[14]

The following table, based on Insurify data, shows the average monthly quote for car insurance in Fort Worth based on credit.

Credit TierAverage Monthly Quote
Excellent$219
Good$239
Poor$241
Average$247
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.

The FICO credit score, used by 90% of major lenders, generally ranges from 300 to 850. FICO defines a score of at least 800 as exceptional, a score of 740 to 799 as very good, a score of 670 to 739 as good, a score of 580 to 669 as fair, and a score of less than 580 as poor.[15]

Read On: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Fort Worth

Racking up accidents or serious traffic violations on your driving record will likely drive up the cost of your car insurance.[5] Insurify found that one citation can cause premiums to increase by an average of 35%.

The following tables compare average quotes per month for Fort Worth drivers with a clean driving record, with an accident, with a DUI, and with a speeding ticket.

It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.

Cheapest car insurance with an accident in Fort Worth: Travelers

An accident on your record can negatively affect your rates. If you’ve caused an accident, statistically, you may be at a higher risk of causing another. Insurance companies may increase your premiums to cover that risk.[16] Travelers offers the cheapest average premiums for drivers with an accident on their record, with a monthly rate of $182.

Car Insurance CompanyClean RecordWith AccidentDifference
Travelers$166$182+$16
Progressive$134$205+$71
Safeco$172$211+$39
Kemper Preferred$173$215+$42
Pronto$285$220-$65
Apparent$149$222+$73
Mile Auto$136$224+$88
Elephant$170$228+$58
SafeAuto$161$230+$69
Clearcover$171$232+$61
Nationwide$188$243+$55
Midvale Home & Auto$206$278+$72
Acuity$189$281+$92
Foremost Signature$210$286+$76
Aggressive$221$296+$75
Liberty Mutual$237$296+$59
AssuranceAmerica$235$305+$70
GAINSCO$217$309+$92
Direct Auto$170$313+$143
Bristol West$233$322+$89
Commonwealth Casualty$182$323+$141
Mercury$211$350+$139
State Auto$209$351+$142
Kemper$203$361+$158
Quantum$229$362+$133
Kemper Specialty$198$379+$181
Infinity$272$419+$147
The General$235$428+$193
Alinsco$260$468+$208
Freedom National$269$498+$229
Aspen$212$511+$299
Hallmark$396$576+$180
Stillwater$268$884+$616
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.

Cheapest car insurance with a DUI in Fort Worth: Direct Auto

Driving under the influence (DUI) is a serious offense. With a DUI citation or conviction on your record, insurance companies may choose to not renew your policy or to not insure you at all.[16] It’s important to shop around for insurance quotes in Fort Worth if you have a DUI on your record because your rates can increase to over $200 a month.

Car Insurance CompanyClean RecordWith DUIDifference
Direct Auto$170$216+$46
Infinity$272$259-$13
Bristol West$233$282+$49
AssuranceAmerica$235$285+$50
Commonwealth Casualty$182$290+$108
Mercury$211$320+$109
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.

Cheapest car insurance with a speeding ticket in Fort Worth: Clearcover

In 2021, there were 1,026 car crashes in Tarrant County that involved a speeding driver.[17] Like DUIs and accidents, a speeding ticket citation can increase your car insurance premiums in Fort Worth. Clearcover offers the cheapest car insurance quotes for drivers with speeding ticket citations, at $158 a month on average.

Car Insurance CompanyClean RecordWith Speeding TicketDifference
Clearcover$171$158-$13
SafeAuto$161$185+$24
Progressive$134$186+$52
Travelers$166$192+$26
Safeco$172$211+$39
Elephant$170$214+$44
Apparent$149$219+$70
Nationwide$188$234+$46
GAINSCO$217$248+$31
Midvale Home & Auto$206$270+$64
Commonwealth Casualty$182$274+$92
Direct Auto$170$278+$108
Aggressive$221$278+$57
Kemper$198$281+$83
AssuranceAmerica$235$292+$57
Liberty Mutual$237$306+$69
Aspen$212$311+$99
Bristol West$233$340+$107
Mercury$211$351+$140
Alinsco$260$365+$105
Freedom National$269$369+$100
The General$235$375+$140
Infinity$272$409+$137
Hallmark$396$531+$135
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.

Car insurance in other Texas cities

Car insurance rates vary greatly from city to city — even within the same state. Here’s a look at car insurance rates in some other Texas cities:

Find local Fort Worth agents

  • Joseph A. Ferriulo 

    2605 Airport Freeway,
    Fort Worth, TX 76111
  • Beat Insurance Services, LLC 

    9800 Hillwood Pkwy Ste 140,
    Fort Worth, TX 76177
  • Cordell & Co. Insurance Agency, Inc. 

    3513 S Fwy,
    Fort Worth, TX 76110
  • Lone Star Insurers 

    8101 Boat Club Road,
    Fort Worth, TX 76179
  • Hemphill Insurance Agency 

    3121 Hemphill St.,
    Fort Worth, TX 76110
  • Graham Insurance Group, Inc 

    2914 SE Loop 820,
    Fort Worth, TX 76140
  • MODCO Insurance Agency, Inc. 

    6300 Ridglea Pl.,
    Ste. 920, Fort Worth, TX 76116
  • AG-Pro Insurance Services, LLC 

    P.O. Box 22,
    Fort Worth, TX 76101
  • Marsh & McLennan Agency 

    301 Commerce Street #2201,
    Fort Worth, TX 76102
  • Yates & Associates, Inc. 

    5828 S. Hulen,
    Fort Worth, TX 76132
View more

Fort Worth car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Fort Worth.

  • Drivers in Fort Worth pay an average of $254 a month, which is slightly less than drivers statewide, with an average of $263 a month. Factors that affect car insurance rates in Texas include whether you live in an urban or rural setting, what kind of car you drive, and your claim-filing history.[5]

  • Mile Auto offers the cheapest liability-only insurance in Fort Worth ($121 a month), while Commonwealth Casualty offers the cheapest full-coverage insurance in Fort Worth ($111 a month).

  • Insurify data shows drivers in Texas pay an average of $263 per month for car insurance, a bit higher than the national average of $233 per month. Contributing to the slightly higher insurance cost in Texas is that as of 2020, more than 80% of the state’s population lived in urban areas, where insurance rates tend to be higher than rural areas.[18]

Compare Car Insurance Quotes Instantly

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

Sources

  1. Census.gov. "U.S. Census Bureau QuickFacts: Fort Worth city, Texas; Texas; United States." Accessed December 16, 2022
  2. Census.gov. "U.S. Census Bureau QuickFacts: Dallas city, Texas." Accessed December 16, 2022
  3. Texas Department of Transportation. "Dallas District Statistics: Vehicles Registered (FY 2022)." Accessed December 16, 2022
  4. Texas Department of Transportation. "Fort Worth District Statistics: Vehicles Registered (FY 2022)." Accessed December 16, 2022
  5. III. "What determines the price of an auto insurance policy?." Accessed December 16, 2022
  6. TxDMV.gov. "TexasSure - Insurance Verification." Accessed December 16, 2022
  7. Texas.gov. "Automobile insurance guide." Accessed December 16, 2022
  8. Consumer Federation of America. "Penalties for Driving without Auto Insurance by State." Accessed December 16, 2022
  9. Texas.gov. "Shopping for auto insurance: What to know before you buy a policy." Accessed December 16, 2022
  10. III. "How to save money on car insurance." Accessed December 16, 2022
  11. Iihs.org. "Older drivers." Accessed December 16, 2022
  12. III. "Senior driving safety and insurance tips." Accessed December 19, 2022
  13. NAIC. "Credit-Based Insurance Scores." Accessed December 16, 2022
  14. FICO. "Credit Scores Vs. Insurance Scores." Accessed December 16, 2022
  15. undefined. "undefined." Accessed December 16, 2022
  16. III. "Do auto insurance premiums go up after a claim?." Accessed December 16, 2022
  17. Texas Department of Transportation. "Speed Involved Crashes and Injuries by County 2021." Accessed December 16, 2022
  18. United States Census Bureau. "Defining Urban and Rural at the U.S. Census Bureau: A Look at Demographic Trends." Accessed December 16, 2022
John Egan
Written by
John Egan
Linkedin

John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.