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Cheap Car Insurance Quotes in Fort Worth, Texas (2026)

State Farm offers the cheapest car insurance in Fort Worth, with minimum-coverage policies as low as $53 per month.

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Cheapest recent rates near Fort Worth, Texas

Recent Fort Worth, Texas car insurance prices for Toyota, Dodge, Volkswagen , and more.

*Quotes generated for Insurify users in and around Fort Worth, Texas within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Drivers in Fort Worth pay an overall average of $164 per month for car insurance, though rates vary widely depending on your insurer and your driving history. Due to Fort Worth’s population density, its drivers tend to pay more than motorists in several other Texas cities.

Here’s what you should know about finding car insurance in Fort Worth.

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

  • Drivers in Fort Worth pay $116 for liability coverage and $212 for full coverage, on average.

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

How much is car insurance in Fort Worth, TX?

Car insurance costs in Fort Worth are on par with the rates other Texas drivers pay. But Fort Worth rates are more expensive than the national average. See how Fort Worth car insurance rates compare in the table below.

 
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Full Coverage
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Liability Only
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Fort Worth$212$116
Texas$208$117
National average$173$99
Disclaimer: Table data is based on real-time Fort Worth quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Cheapest car insurance companies in Fort Worth

Many different factors affect your insurance rates, so no single insurer is the cheapest for everyone. In the table below, you can see some of the cheapest car insurance companies offering coverage to Fort Worth drivers.

The below rates in Fort Worth, TX, are estimated rates current as of: Tuesday, March 31 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 Company
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Full Coverage
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Liability Only
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State Farm$107$53
Allstate$151$75
Progressive$152$80
Mile Auto$167$76
Mercury$175$105
GEICO$188$85
USAA$191$94
Root$214$125
Safeco$216$141
Clearcover$225$125
Alinsco$232$115
Direct Auto$232$142
Elephant$239$150
Nationwide$240$118
GAINSCO$247$124
National General$247$144
Bristol West$250$126
The General$259$111
Mendota$260$128
AssuranceAmerica$268$134
First Acceptance$277$110
Commonwealth Casualty$279$121
Loop$282$148
Sun Coast$284$142
Lone Star$287$117
Dairyland$303$120
Covercube$311$129
Freedom National$316$117
Chubb$324$160
Liberty Mutual$341$228
Trexis One$344$162
21st Century$374$185
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth may vary based on the policy buyer's unique driver profile.

Best car insurance companies in Fort Worth

Car insurance rates vary widely in Fort Worth, but cost isn’t the only factor you should consider. Companies consider your age, location, driving record, credit history, and more when offering you quotes.

The best car insurance company for you is the one that provides the coverage you need at rates that work with your budget. The quotes in the table below represent overall Texas averages, not just Fort Worth.

Insurance Company
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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.
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Full Coverage
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Liability Only
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Best For
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State Farm9.3$101$57Cheap rates
GEICO9.2$181$94Discounts
USAA9.1$180$102Military members and their families
Disclaimer: Table data is based on real-time Fort Worth quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /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.
$53/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.
$107/mo
4.0
Best choice in Fort Worth, TXBased on 16,576 verified driver reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best in Fort Worth for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best in Fort Worth for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Texas reviews for Fort Worth drivers - See all 7,303 State Farm reviews
William
Verified Review
Excellent
Reviewed in Texas on March 26, 2026
State Farm is a good, solid insurance company. Rates are competitive.
Norvell
Verified Review
Average
Reviewed in Texas on March 19, 2026
To add a second vehicle, the price increased, and they are always trying to upsell.
Colette
Verified Review
Love the staff
Reviewed in Texas on March 19, 2026
Very expensive.
Michael
Verified Review
State Farm is overpriced and customer service from agent is lacking
Reviewed in Texas on March 14, 2026
Poor response to billing questions. It takes a week to get answers. Charged a late fee when no bill was received.
Steven
Verified Review
Used to be great
Reviewed in Texas on March 11, 2026
They raise the monthly rate without letting you know. They just keep raising my rate, and no one will tell me why.
Johnny
Verified Review
Not worth the money.
Reviewed in Texas on March 7, 2026
The customer service agent is very rude, and the premiums are way too high for the coverage I wanted. They ask questions that have no regard to price.
Gordon
Verified Review
Too High Monthly Payments
Reviewed in Texas on March 5, 2026
The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.
Arturo
Verified Review
Expensive Insurance
Reviewed in Texas on March 4, 2026
The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.
Tina
Verified Review
Price is too high
Reviewed in Texas on March 4, 2026
I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is America’s most popular insurance company for good reason. First, it helps you save money with discounts for bundling policies and participating in programs like Drive Safe & Save and Steer Clear. In addition, it offers optional coverages that protect you when you’re driving for a rideshare service or when an accident leaves you stranded while traveling.

Pros
  • Some of the lowest rates in Fort Worth

  • Good selection of coverages

Cons
  • No usage-based insurance

  • Drive Safe & Save discounts not available in all states

Best insurer for discounts: GEICO

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$85/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.
$188/mo
3.9
A solid option in Fort Worth, TXBased on 16,832 verified driver reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best in Fort Worth for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best in Fort Worth for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Texas reviews for Fort Worth drivers - See all 7,540 GEICO reviews
Alejandro
Verified Review
They Couldn't Care Less
Reviewed in Texas on March 26, 2026
The cost of a 6-month policy is the lowest I've been able to find. Every other insurer has yet to match or beat it. It came with a little more coverage than any other insurer has offered. Although they give you a discount for initiating Easy Drive, which monitors one's driving and driving habits, the app is so messed up (as in making outrageous claims of unsafe driving), I know I cannot expect them to offer to continue the discount or increase it at the end of the term when the app makes a report, or they review the driving data collected. The app is NOT trustworthy because of its flawed and erroneous assumptions. I could not believe it admonished my driving because it found an app open on my phone. "Yeah, the app Easy Drive which they insist one have open during trips," so that it can take in and record the data. Easy Drive is a joke. When I read the first report I looked at, I wondered if the report stated what it stated so that I would be found ineligible for a continued discount. After reading a couple of other reports, I am convinced this tongue-in-cheek accusation of mine to be a fact. My driving record is, after 45 years of driving, immaculate. Yet insurance companies want nearly 500 USD or more for a 6-month STATE MINIMUMS LIABILITY ONLY policy. I have proven that I am not a liability to them. When are insurers going to appreciate me for that?
Laura
Verified Review
Insurance is Theft
Reviewed in Texas on March 26, 2026
Still costs too much but less than everyone else.
John
Verified Review
Good
Reviewed in Texas on March 21, 2026
I would say I have had an overall good experience.
Jaquelyn
Verified Review
I can't find anything less expensive
Reviewed in Texas on March 18, 2026
Cheapest I have found so far. Have not had a claim, so can't comment on that process.
Bombshell
Verified Review
Up, up, always up!
Reviewed in Texas on March 18, 2026
I would say don't do it! They are increasing my liability and uninsured motorist coverage for a 2005 Nissan Sentra. I'm 57 years old with no tickets or accidents, and yet I'm paying over $170 for not full coverage! It went up! I'm looking for another insurance company.
Israel
Verified Review
Can't Complain
Reviewed in Texas on March 15, 2026
I've been a GEICO customer for twenty years and I have a great relationship with the company. I know you can't compete with them. Amen.
Sharon
Verified Review
A very excellent experience. Great everything.
Reviewed in Texas on March 13, 2026
Excellent company, policies, discounts, and great service. Our agent in San Antonio, TX was top-notch.
Rudy
Verified Review
Look elsewhere
Reviewed in Texas on March 12, 2026
Extremely expensive and no incentive to stay with them.
James
Verified Review
Geico Is Not Cost Efficient
Reviewed in Texas on March 9, 2026
I have used Geico since 2006 on and off, and this will be my last time. They are notorious for raising my premium every renewal time. This very month I paid $188.00, and my renewal for March is $244.47—a fifty-six dollar a month increase on a 2022 Chevrolet Trax. I am on a dire fixed income and cannot afford this. I will never use Geico again. I need cheap insurance with full coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO offers low rates and coverage for a variety of vehicles, including ATVs and collectible cars. You can even get covered to drive your car in Mexico. But where GEICO really shines is with its discounts.

GEICO will discount your insurance policy if your car is new or has certain safety equipment installed. GEICO also reduces rates for active and past members of the military, federal employees, and anyone who belongs to one of more than 500 groups to which GEICO offers discounts.

Pros
  • Many ways to save

  • Offers Mexico car insurance

Cons
  • Difficult to get customer support by phone vs. mobile app or virtual agent

  • Limited optional coverage

Best insurer for military members and their families: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$94/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.
$191/mo
4.9
Best choice in Fort Worth, TXBased on 3,322 verified driver reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best in Fort Worth for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best in Fort Worth for
Members of the military community
Outstanding customer service
Competitive rates
Showing 50 Texas reviews for Fort Worth drivers - See all 1,518 USAA reviews
Scott
Verified Review
Way too expensive
Reviewed in Texas on March 29, 2026
Costs double the price of other insurers.
Esther
Verified Review
USAA Auto Insurance
Reviewed in Texas on March 24, 2026
The car insurance is very expensive. It is good insurance if you can afford it, but I am getting to where I can no longer afford it. I am looking around now for good insurance that I can afford and not break the bank. USAA is very good, but it's just too expensive for me.
Charles
Verified Review
Sparks's Review
Reviewed in Texas on March 8, 2026
They are a good company and provide excellent customer service, but they have increased their prices so much! That is my reason for leaving them. We have had them for over 40 years!
Paul
Verified Review
Discount Restrictions
Reviewed in Texas on February 22, 2026
I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.
Alex
Verified Review
Poor
Reviewed in Texas on February 19, 2026
Be careful because they were raising rates on us.
Harvey
Verified Review
Overall Outstanding Service
Reviewed in Texas on February 18, 2026
Excellent and professional service. My minor complaint is that it is somewhat expensive.
William
Verified Review
Excellent
Reviewed in Texas on February 16, 2026
Great service, expensive.
Laura
Verified Review
25+ Years, Only 1 Small Claim
Reviewed in Texas on February 8, 2026
I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.
Edward
Verified Review
What happened to USAA Customer Service?
Reviewed in Texas on January 29, 2026
USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA isn’t the cheapest auto insurance company in Fort Worth. But its rates are well below average for liability-only and full-coverage insurance, and it earned Insurify’s second-highest IQ Score among Fort Worth insurers.

USAA was founded by Army officers in 1922, and its focus remains on members of the military and their families. Its vehicle insurance options might be the most extensive available in Fort Worth, with coverage for bicycles, electric bikes, and, through a third party, a variety of planes, including experimental aircraft.

Pros
  • Specializes in meeting the needs of military members and their families

  • Coverage for many vehicle types

Cons
  • Doesn’t have the lowest rates

  • Not available to non-military

How to get the cheapest car insurance in Fort Worth

Insurance companies consider several factors when calculating your insurance rate, including:[1]

  • Type of coverage and coverage amount

  • 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.

Recent quotes for Texas drivers in and around Fort Worth

Recent Fort Worth, Texas car insurance prices for Dodge, Volkswagen, Nissan , and more.

*Quotes generated for Insurify users in and around Fort Worth, Texas within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Texas

Texas law requires proof that you can pay for any accidents you cause. For the vast majority of Fort Worth drivers, the best way to provide it is by purchasing 30/60/25 liability insurance to cover the following state minimum liability requirements:[2]

Coverage
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Minimum Requirements
sort ascsort desc
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 insurance 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

    Uninsured/underinsured motorist insurance covers you if an underinsured or uninsured driver hits you or you’re 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/162273/150x150/f82464c85b/car-sharing-96x96-orange_048-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 $65 for drivers with an incident

Excellent
4.7 out of 5 based on 13,063 reviews
Secure. Free. Easy-to-use.
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 $264 per month for full coverage and $145 for liability only. The following table illustrates how a speeding ticket affects liability rates from top insurers in Fort Worth.

The below rates in Fort Worth, TX, are estimated rates current as of: Tuesday, March 31 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 Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
State Farm$53$67
Allstate$75$97
Mile Auto$76$93
Progressive$80$100
GEICO$85$111
USAA$94$121
Mercury$105$146
First Acceptance$110$137
The General$111$148
Alinsco$115$143
Freedom National$117$146
Lone Star$117$146
Nationwide$118$153
Dairyland$120$150
Commonwealth Casualty$121$142
GAINSCO$124$147
Clearcover$125$161
Root$125$166
Bristol West$126$158
Mendota$128$159
Covercube$129$161
AssuranceAmerica$134$170
Safeco$141$185
Direct Auto$142$177
Sun Coast$142$177
National General$144$179
Loop$148$184
Elephant$150$179
Chubb$160$203
Trexis One$162$202
21st Century$185$243
Liberty Mutual$228$289
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth 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 $279 per month for full coverage and $152 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 in Fort Worth, TX, are estimated rates current as of: Tuesday, March 31 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 Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$53$70
Allstate$75$100
Mile Auto$76$102
Progressive$80$105
GEICO$85$110
USAA$94$126
Mercury$105$158
First Acceptance$110$145
The General$111$152
Alinsco$115$151
Freedom National$117$154
Lone Star$117$154
Nationwide$118$158
Dairyland$120$159
Commonwealth Casualty$121$159
GAINSCO$124$158
Clearcover$125$182
Root$125$167
Bristol West$126$165
Mendota$128$168
Covercube$129$169
AssuranceAmerica$134$178
Safeco$141$197
Direct Auto$142$193
Sun Coast$142$187
National General$144$191
Loop$148$194
Elephant$150$195
Chubb$160$211
Trexis One$162$213
21st Century$185$250
Liberty Mutual$228$302
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Under Texas law, you’re legally intoxicated when your blood-alcohol content reaches 0.08%, but any impairment that affects your driving is illegal.[3] First offenders get a $2,000 fine, three to 180 days in jail, and loss of driving privileges for up to one year. And they can also expect to see a hefty increase in their insurance premium for several years.

Fort Worth drivers pay an average of $291 per month for full coverage and $159 for liability only after a DUI conviction. The table below compares rates for Fort Worth drivers with clean driving records versus drivers with DUI convictions.

The below rates in Fort Worth, TX, are estimated rates current as of: Tuesday, March 31 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 Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$53$76
Allstate$75$107
Mile Auto$76$109
Progressive$80$110
GEICO$85$120
USAA$94$134
Mercury$105$156
First Acceptance$110$151
The General$111$159
Alinsco$115$158
Freedom National$117$160
Lone Star$117$160
Nationwide$118$169
Dairyland$120$171
Commonwealth Casualty$121$173
GAINSCO$124$177
Clearcover$125$179
Root$125$179
Bristol West$126$180
Mendota$128$176
Covercube$129$177
AssuranceAmerica$134$191
Safeco$141$214
Direct Auto$142$203
Sun Coast$142$195
National General$144$206
Loop$148$203
Elephant$150$214
Chubb$160$229
Trexis One$162$222
21st Century$185$248
Liberty Mutual$228$326
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth 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 $180 per month for full coverage and $99 for liability only.

Here are quotes from top insurers for senior drivers in Fort Worth.

The below rates in Fort Worth, TX, are estimated rates current as of: Tuesday, March 31 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 Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$41$83
Mile Auto$59$130
Allstate$60$122
GEICO$67$148
Progressive$68$129
USAA$76$154
Mercury$83$139
Nationwide$90$182
The General$93$216
First Acceptance$94$236
Commonwealth Casualty$97$223
Alinsco$98$197
Freedom National$100$269
Lone Star$100$244
Dairyland$101$254
AssuranceAmerica$104$208
Bristol West$104$206
Root$104$177
GAINSCO$105$208
Clearcover$109$196
Mendota$109$221
Covercube$110$265
National General$112$193
Direct Auto$114$186
Chubb$120$243
Sun Coast$121$242
Safeco$122$187
Elephant$123$196
Loop$126$240
Trexis One$138$293
21st Century$144$292
Liberty Mutual$189$283
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers are some of the riskiest drivers on the road, and the insurance premiums that they pay reflect that. They’re more likely to get into accidents or engage in risky driving behaviors like distracted driving or speeding.

Teen drivers in Fort Worth pay an average of $418 per month for full coverage and $229 for liability only.

Many insurance companies have programs to reduce the cost of teens’ auto policies. State Farm, for example, employs usage-based technology that tracks young drivers’ driving behavior and rewards safe driving with up to 30% off. You might also get a discount if you get good grades, take a professional driving course, or leave your car at home when you go to college.

Here are quotes for teen drivers in Fort Worth.

The below rates in Fort Worth, TX, are estimated rates current as of: Tuesday, March 31 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 Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$107$216
Allstate$154$311
Progressive$158$300
Mile Auto$163$357
USAA$182$369
Mercury$203$338
The General$203$474
Dairyland$215$543
Clearcover$216$388
First Acceptance$217$546
Root$226$386
Alinsco$227$458
Freedom National$231$623
Lone Star$231$566
Commonwealth Casualty$234$541
Bristol West$235$466
GAINSCO$236$470
Nationwide$240$488
Mendota$252$513
Covercube$254$613
Elephant$277$441
Sun Coast$280$560
Direct Auto$284$465
AssuranceAmerica$289$578
Loop$292$556
Safeco$295$453
National General$303$520
Trexis One$319$678
Chubb$344$696
21st Century$348$704
Liberty Mutual$420$628
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth may vary based on the policy buyer's unique driver profile.

Shop for Cheap Car Insurance in Fort Worth

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Fort Worth car insurance quotes by credit tier

While insurance rates aren’t directly tied to credit scores, they’re influenced by credit-based insurance scores that predict the likelihood that you’ll file a claim.

In Texas and every other state that allows insurers to use credit history in calculating rates, maintaining your excellent or good credit or improving poor credit could save you money.[4]

Here’s how credit correlates with average monthly insurance quotes for full coverage in Fort Worth:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cost of car insurance in other Texas cities

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

The below rates in Fort Worth, TX, are estimated rates current as of: Tuesday, March 31 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.

City
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Abilene$86$176
Big Spring$87$190
Commerce$90$176
Corsicana$91$182
Temple$95$186
Jacksonville$95$213
Victoria$97$178
Midland$97$207
El Paso$98$189
Amarillo$99$217
Lufkin$99$183
Bryan$100$193
Texarkana$100$168
Nacogdoches$101$179
Cleburne$101$169
Lubbock$101$207
College Station$103$195
Odessa$104$228
Greenville$104$185
Killeen$104$197
New Braunfels$107$195
Waxahachie$108$200
Grapevine$108$184
Burleson$109$203
Georgetown$109$192
Denton$110$211
Harlingen$111$182
Laredo$112$206
Huntsville$112$200
San Marcos$113$214
Round Rock$114$206
Cedar Park$115$201
Lewisville$115$196
Coppell$115$193
Frisco$116$210
Fort Worth$116$212
Keller$118$200
Leander$118$210
Mckinney$118$213
Brownsville$119$211
Haltom City$120$199
Irving$120$231
Mansfield$121$216
Plano$123$211
Friendswood$123$208
Duncanville$124$240
Forney$124$228
Arlington$125$217
San Antonio$125$221
Austin$125$214
Pflugerville$127$214
Lancaster$128$231
Grand Prairie$128$225
Galveston$128$207
Cleveland$128$244
Southlake$128$187
Montgomery$129$223
League City$129$198
Balch Springs$130$220
Pearland$130$236
Corpus Christi$130$210
Conroe$130$219
Mesquite$131$243
Rowlett$132$233
Dallas$133$242
Mcallen$133$216
San Juan$133$237
Beaumont$134$227
Mission$135$225
Baytown$136$239
La Porte$136$208
Rockwall$136$241
Garland$138$237
Spring$146$237
Sugar Land$147$222
Katy$149$246
Fresno$150$257
Humble$156$249
Houston$168$276
Disclaimer: Table data sourced from real-time Fort Worth car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Worth 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 $116 per month for liability insurance and $212 per month for full coverage. These numbers are very close to the state averages of $117 and $208.

  • 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 $53. Other affordable insurers include Allstate and Mile Auto, with liability rates of $75 and $76 per month, respectively. The cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and vehicle.

  • What are the best car insurance companies in Fort Worth?

    Fort Worth drivers have access to many top insurance companies. The best car insurance company in Fort Worth is State Farm because of its affordable premiums, top-rated customer service, and excellent financial strength. It also has a high IQ Score of 9.3 out of 10. Other top companies include USAA and GEICO.

  • What is Texas’ minimum car insurance?

    Texas’ minimum car insurance requirements are $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 in property damage liability.

  • Why is auto insurance so expensive in Fort Worth, Texas?

    Auto insurance rates in Fort Worth, Texas, are high due to a number of factors. It’s a densely populated city, so the risk of accidents is higher than in many other towns. Auto insurers in the state have also begun to increase rates, according to the Texas Department of Insurance.

Methodology

Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
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.

Related articles

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Texas Department of Insurance. "Auto insurance guide."
  3. Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI."
  4. Texas Department of Insurance. "Credit scoring and insurance."
Daria Kelly Uhlig
Written byDaria Kelly UhligHome Insurance Writer, Realtor
Daria Kelly Uhlig
Daria Kelly UhligHome Insurance Writer, Realtor
  • 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.

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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.

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Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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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.

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