120+ more*Quotes generated for Insurify users in and around Fort Worth, Texas within the last 10 days. Last updated on May 18, 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 May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
The average cost of car insurance in Texas is comparable to rates in Fort Worth. Drivers in Fort Worth pay an average of $110 per month for state-minimum coverage and $207 for full coverage. These rates are higher than in nearby Denton, but lower than those in Dallas.
Fort Worth has a population density far above the state average, with more than 2,600 people per square mile, according to U.S. Census Bureau data.[1] The city also experiences severe weather, high vehicle theft rates, and difficult commutes — all factors affecting how much you pay for Fort Worth car insurance.
Liability-only and full-coverage rates in Fort Worth track closely with the state average. State Farm offers the cheapest car insurance quotes in Fort Worth for both liability and full coverage.
Texas car insurance coverage requirements include $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage, also known as 30/60/25 coverage.[2]
Liability insurance doesn’t include comprehensive coverage, which pays for weather-related and other non-collision losses. These losses can be costly. In May 2024, for example, Tarrant County experienced baseball-sized hail, which damaged vehicles and property throughout the Dallas-Fort Worth (DFW) Metroplex.
The table below shows companies with low liability-only and full-coverage car insurance rates in Fort Worth.
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Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $43 | $84 |
| Allstate | $61 | $119 |
| Mile Auto | $63 | $134 |
| Progressive | $65 | $122 |
| GEICO | $70 | $147 |
| USAA | $78 | $150 |
| Mercury | $87 | $138 |
| First Acceptance | $90 | $217 |
| The General | $92 | $203 |
| Alinsco | $94 | $181 |
| Lone Star | $96 | $225 |
| Freedom National | $97 | $253 |
| Nationwide | $98 | $189 |
| Commonwealth Casualty | $99 | $217 |
| Dairyland | $100 | $242 |
| GAINSCO | $101 | $192 |
| Bristol West | $103 | $196 |
| Clearcover | $103 | $176 |
| Root | $104 | $168 |
| Mendota | $106 | $206 |
| Covercube | $107 | $246 |
| AssuranceAmerica | $109 | $204 |
| Sun Coast | $115 | $227 |
| Safeco | $116 | $168 |
| Direct Auto | $117 | $181 |
| National General | $118 | $193 |
| Loop | $122 | $221 |
| Elephant | $123 | $187 |
| Chubb | $132 | $255 |
| Trexis One | $136 | $277 |
| 21st Century | $153 | $294 |
| Liberty Mutual | $188 | $268 |
Houston and Mesquite tend to have the highest average car insurance rates in Texas, while Abilene and Cleburne have the cheapest. Fort Worth’s rates fall near the state average, at $159 per month.
Insurance costs in neighboring Dallas and Arlington are slightly more expensive than in Fort Worth, in part because of higher population density. You can compare average monthly quotes across Texas cities below.
City | Average Monthly Quote |
|---|---|
| Abilene | $129 |
| Amarillo | $152 |
| Arlington | $166 |
| Austin | $165 |
| Beaumont | $175 |
| Brownsville | $159 |
| Corpus Christi | $165 |
| Dallas | $180 |
| Denton | $156 |
| El Paso | $139 |
| Fort Worth | $159 |
| Galveston | $163 |
| Garland | $181 |
| Grand Prairie | $171 |
| Houston | $214 |
| Huntsville | $151 |
| Irving | $170 |
| Killeen | $147 |
| Laredo | $153 |
| Lubbock | $150 |
| McAllen | $170 |
| Mesquite | $182 |
| Midland | $148 |
| Odessa | $164 |
| Plano | $160 |
| San Antonio | $167 |
| San Marcos | $158 |
Pay your first week’s premium and get immediate proof of insurance
Fort Worth recently ranked among the worst cities for commuting difficulty, with drivers spending an average of 27 minutes each way, according to the U.S. Census Bureau.
I-35W carries more than 165,000 vehicles per day in downtown Fort Worth. Meanwhile, the I-820 Northwest Loop Corridor experiences high truck volume alongside local commuter traffic.
Traffic is just one factor to consider when driving in Fort Worth. The City of Fort Worth has identified more than 300 areas where flooding on roads can occur. Since 2000, road overtopping has contributed to 13 fatalities.
Parking costs vary across Fort Worth’s most popular districts. Meters near the West 7th entertainment district cost up to $2.50 per hour, with towing strictly enforced. The Stockyards’ main lots have a $7 daily fee, though you may find free street parking along West Exchange Avenue.
Driving and parking in busy areas come with added risk. The Texas Department of Motor Vehicles estimates 20% of Texas drivers don’t carry auto insurance, so consider adding uninsured motorist coverage.[3]
The Texas Department of Transportation reported 12,865 crashes in Fort Worth in 2024.[4] More than 4% of Fort Worth drivers have an accident on their driving record, according to Insurify data. As an at-fault state, Texas car accident laws require the driver who causes an accident to pay for damages.
Incidents such as an at-fault accident, speeding ticket, or driving while intoxicated (DWI) can group you with high-risk drivers and affect your insurance rates.
For repeat DWI offenders, Tarrant County offers a Felony Alcohol Intervention Program that combines treatment with four years of supervised probation. Even so, it won’t remove the conviction from your driving record or lower your premiums.
The table below compares average monthly car insurance quotes in Fort Worth by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $159 |
| Speeding ticket | $199 |
| At-fault accident | $212 |
| DWI | $220 |
Check quotes from 120+ top insurance companies
Fort Worth’s population is younger than most U.S. cities, with about 10% of residents age 65 or older, per U.S. Census Bureau data, compared with 18% nationwide. Senior drivers pay some of the lowest insurance premiums in Fort Worth.
Teen drivers in Fort Worth, on the other hand, pay the highest rates of any age group. Texas law requires teens to complete a two-phase Graduated Driver License program that limits passengers, nighttime driving, and the use of wireless devices before they can get an unrestricted driver’s license.[5]
The table below shows average monthly insurance rates in Fort Worth by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $233 |
| 20s | $158 |
| 30s | $127 |
| 40s | $120 |
| 50s | $109 |
| 60s | $100 |
| 70+ | $104 |
*Quotes generated for Insurify users in and around Fort Worth, Texas within the last 10 days. Last updated on May 18, 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 May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
See below for answers to frequently asked questions about car insurance in Fort Worth.
Car insurance in Fort Worth averages $110 per month for liability coverage and $207 for full coverage. Costs can vary depending on your age, vehicle, driving history, and credit history, so consider working with an insurance agency to find the best insurance companies for your situation.
State Farm has the cheapest car insurance rates in Fort Worth for both liability and full coverage, although pricing varies by driver.
In Fort Worth, Progressive tends to have cheaper car insurance rates than GEICO. That said, it’s a good idea to compare quotes from both companies to see which is the cheaper option for your insurance needs.
If law enforcement pulls you over and you don’t have insurance, you could get a ticket and a fine of up to $350. Your second violation could result in a $1,000 fine and driver’s license suspension.
You may be able to lower your cost of auto insurance in Fort Worth by comparing rates and coverage options, asking about discounts, bundling an auto insurance policy with home or renters insurance, and maintaining a clean driving record.
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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
30+ years in financial services
Clinical Professor of Finance, University of San Diego
7+ years experience in data analysis
Ph.D. in Computational Biology
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