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Cheap Auto Insurance Quotes in Fort Worth, TX (June 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in Fort Worth, TX
Getting a new car is incredibly exciting, but do you have insurance? Residents of Fort Worth and other Texas drivers require car insurance to stay legal on the road and to avoid ending up with unaffordable bills. Average car insurance premiums in Texas cost drivers $270 per month, which is 18 percent more than the national average premium.
But it’s possible to get Texas car insurance for less than that if you know where to look. With Insurify, you can compare customized quotes from national companies like State Farm and Allstate as well as quotes from local providers in one spot, and you can easily adjust your coverage levels and deductibles until you find a premium you can afford.
Auto insurance rates aren’t just based on the coverage options you choose, though you will pay more for full-coverage than liability insurance. Car insurance costs can also vary from city-to-city and even between neighborhoods. Here are the average rates for car insurance in each major city in Texas so you can see how Fort Worth compares.
But it’s possible to get Texas car insurance for less than that if you know where to look. With Insurify, you can compare customized quotes from national companies like State Farm and Allstate as well as quotes from local providers in one spot, and you can easily adjust your coverage levels and deductibles until you find a premium you can afford.
Auto insurance rates aren’t just based on the coverage options you choose, though you will pay more for full-coverage than liability insurance. Car insurance costs can also vary from city-to-city and even between neighborhoods. Here are the average rates for car insurance in each major city in Texas so you can see how Fort Worth compares.
Quick Facts
- The average cost of car insurance in Fort Worth is $229 per month, or $2748 annually.
- Car insurance in Fort Worth is $14 more than the average cost of car insurance in Texas.
- The cheapest car insurance provider in Fort Worth on average is Progressive, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$129
Clearcover$153
Travelers$171
Safeco$173
Bristol West$187
Cheapest Car Insurance in Fort Worth, TX
Some car insurance companies will be able to offer you cheaper auto insurance coverage than others. That’s because every insurance provider weighs factors such as your age and your driving record a bit differently. While the following car insurance companies offer the cheapest rates on average in Fort Worth, you should also get a free quote from Insurify to estimate your individual rate.
| Insurance Provider in Fort Worth | Quotes |
|---|---|
| Progressive | $129 /mo |
| Clearcover | $153 /mo |
| Travelers | $171 /mo |
| Safeco | $173 /mo |
| Bristol West | $187 /mo |
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Best Car Insurance in Fort Worth, TX
Staying safe on the road doesn’t have to be expensive. In the table below, you can find the best car insurance companies in Fort Worth, Texas, that offer great insurance policies at an affordable rate. Insurify analyzed multiple factors that reflect quality, reliability, and financial health of an insurance company to find the best car insurance providers in Fort Worth.
| Best Companies | Score | Quotes |
|---|---|---|
| Clearcover | 97 | $153 /mo |
| Nationwide | 89 | $203 /mo |
| Safeco | 86 | $173 /mo |
| Liberty Mutual | 82 | $256 /mo |
| Travelers | 80 | $171 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Texas Cities | |
|---|---|
| Houston | $222/mo |
| San Antonio | $225/mo |
| Dallas | $258/mo |
| Austin | $203/mo |
| Fort Worth | $191/mo |
| Texas | $220/mo |
Fort Worth$191
Austin$203
Average for TX$220
Houston$222
San Antonio$225
Dallas$258
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Texas
All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Texas[1] are:
- $30,000 per person for bodily injury
- $60,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Fort Worth Car Insurance Rates by Driver Age
Your age is one of the first things that your insurance agent looks at to calculate your auto insurance rate. Teens and young drivers can expect the highest rates, while drivers in their 50s and 60s, who are more mature and have more experience on the road, can expect the lowest monthly premiums.
Compare average car insurance costs for different driver ages in the table below. Note that this data is statewide and may look slightly different for Fort Worth, Texas.
Compare average car insurance costs for different driver ages in the table below. Note that this data is statewide and may look slightly different for Fort Worth, Texas.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $465 |
| 20-25 | $284 |
| 25-30 | $284 |
| 30s | $198 |
| 40s | $176 |
| 50s | $155 |
| 60s | $154 |
| 70s | $173 |
| 80s | $188 |
Fort Worth Car Insurance Rates by Driving and Accident History
Your driving record is another factor that car insurance companies pay close attention to when they are calculating your rate. Fort Worth motorists with clean driving records can expect the cheapest car insurance rates, while those with speeding tickets, at-fault accidents, and DUIs in their driving histories can expect significantly higher average monthly costs.
| Driving History | Avg. Monthly Cost |
|---|---|
| Clean Record | $204 |
| Speeding Ticket | $284 |
| At-Fault Accident | $290 |
| Failure to Stop for Red Light / Stop Sign | $404 |
Fort Worth Car Insurance Rates by Credit Tier
Your credit history is also a factor that can drive up your car insurance costs. Fort Worth drivers with excellent and good credit scores can expect the cheapest car insurance costs, while those with poor credit history can expect to see significantly higher auto insurance premiums.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $210 |
| Good | $224 |
| Average | $261 |
| Poor | $325 |
See More: Bad Credit Car Insurance Texas
Find local Fort Worth agents
Joseph A. Ferriulo
2605 Airport Freeway,
Fort Worth, TX 76111Beat Insurance Services, LLC
9800 Hillwood Pkwy Ste 140,
Fort Worth, TX 76177Cordell & Co. Insurance Agency, Inc.
3513 S Fwy,
Fort Worth, TX 76110Lone Star Insurers
8101 Boat Club Road,
Fort Worth, TX 76179Hemphill Insurance Agency
3121 Hemphill St.,
Fort Worth, TX 76110Graham Insurance Group, Inc
2914 SE Loop 820,
Fort Worth, TX 76140MODCO Insurance Agency, Inc.
6300 Ridglea Pl.,
Ste. 920, Fort Worth, TX 76116AG-Pro Insurance Services, LLC
P.O. Box 22,
Fort Worth, TX 76101Marsh & McLennan Agency
301 Commerce Street #2201,
Fort Worth, TX 76102Yates & Associates, Inc.
5828 S. Hulen,
Fort Worth, TX 76132
Fort Worth DMV Information
The Fort Worth Office of Motor Vehicles offers driver’s licenses and renewal, vehicle title and registration, license plates, and commercial driver’s licenses for Tarrant county. The Fort Worth DMV is open from 8:00 a.m. to 5:00 p.m. Monday through Friday, and is located at:
2425 Gravel Dr
Fort Worth, TX 76118
(817) 285-1500
Public Transportation in Fort Worth
Fort Worth offers a variety of public transportation options, including the Trinity Metro, which offers bus and train routes around and out of the city. Uber and Lyft also operate in Fort Worth, allowing residents the option to commute with more privacy than a train or bus can provide.
Still, many Fort Worth residents drive to get in and around the city, so it’s important for all Fort Worth drivers to ensure that they are insured.
How to Get the Cheapest Car Insurance in Fort Worth
The easiest way to get the best cheap car insurance in Fort Worth is to compare customized car insurance quotes from multiple auto insurance companies. Rather than getting quotes from individual insurance agents, you can save time by using Insurify to find the right policy for you, whether you need collision coverage or just liability coverage.
You’ll just need to answer a few questions about your vehicle and driving history to get started. From there, you can view quotes from multiple providers in one spot. We’ll even factor in some of the discounts you may be eligible for, like a homeowners discount. You can also use Insurify to shop for home insurance and life insurance.
FAQs - Fort Worth, TX Car Insurance
Requesting at least four quotes from different car insurance companies is the best way to find an affordable car insurance policy. Use Insurify to instantly get access to 10+ personalized cheap auto insurance quotes. To lower your car insurance costs, you can also bundle your auto insurance policy with another policy, such as your home insurance or renters insurance. The average cost of car insurance in Fort Worth is $203 per month, but rates depend on various factors, such as your age, your driving history, and your credit score. No two drivers are the same, so it’s important to shop around to find the best policy for you. If you’re a teen or young driver with little experience on the road, have a history of at-fault accidents and speeding tickets on your driving record, or have a poor credit score, you can expect higher car insurance rates in Fort Worth. However, you can still find cheap auto insurance with Insurify.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Fort Worth Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Fort Worth, Texas below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Fort Worth drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Nissan Altima
Most Popular Car in Fort Worth
#96
City with the Most Speeding Tickets Rank in Texas
#115
City with the Most Moving Violations Rank in Texas
#100
City with the Most DUIs Rank in Texas
#52
City with the Most Suspended Licenses in Texas
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Fort Worth drivers rank 100 in the number of car accidents per driver across all cities in Texas.
- Rank within state: #100
- Percent of drivers in Fort Worth with an accident: 9.66%
- Drivers in Fort Worth, TX with an accident in their driving history pay on average 44% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Fort Worth drivers rank 96 in the number of speeding infractions per driver.
- Rank within state: #96
- Percent of drivers in Fort Worth with a speeding ticket: 8.75%
- Drivers in Fort Worth, TX with a speeding ticket in their driving history pay on average 41.5% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Fort Worth drivers rank 100 in the number of DUI’s per driver across all cities in Texas.
- Rank within state: #100
- Percent of drivers in Fort Worth with a DUI: 1.24%
- Drivers in Fort Worth, TX with a DUI in their driving history pay on average 41.5% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Fort Worth is the Nissan Altima.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Fort Worth drivers rank 37 in rude driving infractions.
- Rank within state: #37
- Percent of drivers in Fort Worth with a reckless driving violation: 1.57%
- Drivers in Fort Worth, TX with a reckless driving violation in their driving history pay on average 44.5% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Fort Worth drivers rank 51 in clean driving records across all cities in Texas.
- Rank within state: #51
- Percent of drivers in Fort Worth with clean record: 82.27%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Fort Worth drivers rank 2 in failure to yield violations per driver across all cities in Texas.
- Rank within state: #2
- Percent of drivers in Fort Worth with a failure to yield violation: 0.36%
- Drivers in Fort Worth, TX with a failure to yield violation in their driving history pay on average 3100% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Fort Worth drivers rank 24 in the number of reckless driving offenses per driver.
- Rank within state: #24
- Percent of drivers in Fort Worth with a reckless driving offense: 0.01%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Fort Worth drivers rank 98 in hybrid and electric vehicle ownership across all cities in Texas.
- Rank within state: #98
- Percent of drivers in Fort Worth with a hybrid/electric vehicle: 0.74%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Sources
- Texas Department of Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022