Cheap Auto Insurance Quotes in Fort Worth, TX (January 2022)

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Last Updated: January 2022

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.
$129
$153
$171
$173
$187
ProgressiveClearcoverTravelersSafecoBristol West

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.

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.

Average Car Insurance Cost

$220
$222
$225
$258
$203
$191
TexasHoustonSan AntonioDallasAustinFort Worth
Click here to learn about car insurance quotes and save on your current policy.

Fort Worth, TX Driving Facts

texas

Minimum Car Insurance Requirements in TX

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 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 are as follows:

  • $30,000/$60,000 bodily injury liability per person/accident

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.

  • $25,000 propery damage liability per accident

The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an 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.
Driving History
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 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.

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.

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.

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

Insurify Insights: How Fort Worth Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Fort Worth, TX
suspended licenses
#64
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Fort Worth drivers measure up to their fellow Texas motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Fort Worth

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 paid on average 44% more than drivers with a clean record

Speeding in Fort Worth

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 paid on average 41.5% more than drivers with a clean record

DUI/DWIs in Fort Worth

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 paid on average 41.5% more than drivers with a clean record

Most Popular Vehicle in Fort Worth

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.

Rude in Fort Worth

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 paid on average 44.5% more than drivers with a clean record.

Safest Drivers in Fort Worth

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%

Failure to Yield the Right of Way in Fort Worth

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 paid on average 3100% more than drivers with a clean record

Reckless Drivers in Fort Worth

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%

Hybrid/Electric Vehicle Ownership in Fort Worth

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%

FAQs - Fort Worth, TX Car Insurance

How do I find cheap car insurance in Fort Worth, TX?

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.

How much does car insurance cost in Fort Worth, TX?

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.

What drives up car insurance rates in Fort Worth, TX?

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.

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.


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