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Beth Swanson

SEO Content Strategist

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  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Nathan Foster

Agency Trainer

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  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

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Kristine Lee

Insurance Analyst

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  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Fort Worth?

The average cost of car insurance in Fort Worth is around $1,008 for a six-month policy or an average of $168 per month. Our study indicates that in 2024, GEICO is the most affordable car insurance provider in Fort Worth, with rates as low as $755, or roughly $126 per month.

The cost of car insurance in Fort Worth is above the average rate in Texas (at $993 every six months) as well as the national average of $742. Despite the lower costs compared to other Texas cities, some of our clients in Fort Worth are still concerned about their auto insurance rates. If you share these concerns or want to learn more about coverage and options, keep reading to find out more about fair rates in Fort Worth and the factors that influence insurance costs.

Car Insurance in Fort Worth vs. Texas Avg. 6 Mo. Premium
Fort Worth Average $1,008
Texas Average $993

The cheapest car insurance companies in Fort Worth

1st place medal
1st place: GEICO

GEICO is the cheapest at $126 per month or $755 for a six-month policy.

2nd place medal
2nd place: Nationwide

The second cheapest is Nationwide. On average, a Nationwide policy in Fort Worth costs $786 per six-month policy ($131).

3rd place medal
3rd place: State Farm

Taking third place on our list of affordable auto insurers in Fort Worth is State Farm, which costs $136 per month, or $817 for a six month policy.

The Zebra's key takeaways about car insurance in Fort Worth:

  • The average cost of a car insurance policy in Fort Worth is $1,008 per six-month policy — $168 per month.
  • The cheapest company in Fort Worth is GEICO ($755).
  • 40% of Zebra customers in Fort Worth stated they used our product because they were paying too much for car insurance.

Are you paying too much for auto insurance?

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Fort Worth car insurance rates by company

Our 2024 study reveals that the most cost-effective auto insurance company for full coverage in Fort Worth, TX, is GEICO, with a cost of $126 per month or $755 for a six-month policy. On our list, Nationwide is the second most affordable insurer, with a monthly charge of $131 or a six-month premium of $786. Find out more about the highest-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.

 

Cheapest car insurance companies in Fort Worth, TX
Company Avg. 6 Mo. Premium
GEICO $755
Nationwide $786
State Farm $817
Texas Farm Bureau $867
USAA $873
Allstate $1,204
Progressive $1,212

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.


Shop around for the best rates


To obtain the top car insurance rates, the easiest approach is to compare them. Allow The Zebra to do the work for you, as insurance providers are not all the same. Input your ZIP code to see rates from top insurers like State Farm, Nationwide, GEICO, and others in Fort Worth.

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Average car insurance in Fort Worth by rating factor

Rating factors are the pieces of information that insurance companies use to evaluate risk and determine personalized car insurance rates. These factors help establish what you will pay for your insurance premium. Although most companies use the same rating factors, they may prioritize them differently. For example, one company may focus more on claims history while another might emphasize credit score or ZIP code. Find out how these rating factors impact your rates in Fort Worth.

As life changes, so do your rating factors, so it's a smart idea to get new quotes periodically to ensure you're getting the best rates and coverage as your personal situation evolves. The company that was the best choice for you in your 20s may not be the ideal fit for you in your 40s. See below how your rating factors impact your rates and coverage in Fort Worth.

Q: I didn't have an accident — Why is my insurance going up?

A: In most cities, including Fort Worth, end-of-year earnings (revenue of premiums versus the cost of paying insureds' claims) is an important rating factor for determining how much you will pay for car insurance. Even if you are a great driver with no claims, if the cost of doing business in your location has increased then this may not matter. Some companies simply pay more to operate in certain areas, and this cost is passed on to their customers in the form of higher rates.

Auto insurance premiums by age in Fort Worth

The more driving experience you have, the less you may pay for car insurance, which may be a good thing as you get older. Age is a key factor in determining car insurance costs, and teen drivers often pay substantially higher premiums than older drivers due to data indicating they are more likely to be involved in accidents. In Fort Worth, for instance, residents see a $3,484 difference in rates per year when comparing premiums for teens to those for individuals in their 20s.

It may sound harsh, but insurance companies must account for these risks when determining prices because it's strictly business, not personal. To reduce some of the added expenses for teens, one option is to be added to their parent or guardian's policy instead of starting with their own policy in Fort Worth.


Cheapest car insurance companies for teen drivers in Fort Worth, TX
Company Avg. 6 Mo. Premium
Texas Farm Bureau $1,629
GEICO $1,879
USAA $1,946
State Farm $2,770
Nationwide $2,857
Allstate $5,396
Progressive $5,650
Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s GEICO $927
30s Nationwide $777
40s Nationwide $745
50s Nationwide $686
60s Texas Farm Bureau $653
70s Texas Farm Bureau $782

Zebra Tip: The cheapest companies for Fort Worth drivers between 20-40 are GEICO, Texas Farm Bureau and Nationwide


Our research shows that drivers aged between 20 and 40 make up the largest group of motorists on the road in Fort Worth. On average, this demographic pays $1,155 every six months for their car insurance, but opting for one of these insurance companies could potentially save them 21%.

Auto insurance premiums for minimum coverage in Fort Worth

According to our data, about 33% of drivers in Fort Worth carry the minimum required coverage. It may be the cheapest option, but it's worth considering whether it offers adequate protection in the event of an accident. Opting for collision coverage or comprehensive coverage (also called full coverage) can provide added peace of mind and protection.

Raising your car insurance deductible can be a smart way to save money on monthly payments in Fort Worth. While it may mean paying more out of pocket in the event of a claim, it can also help make your coverage more affordable and accessible.

If you're looking for added protection behind the wheel in Fort Worth, don't forget to consider optional extras like roadside assistance or uninsured motorist coverage. While they may raise your rates slightly, they can offer valuable peace of mind and protection in the event of an accident.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

When leasing or financing your vehicle, you may be required to carry a certain amount of coverage on the car. But if you own your car outright and want to save money, you may want to consider whether eliminating comprehensive or collision coverage could be a good option. We strongly suggest getting an accurate value on your vehicle from a source such as Kelley Blue Book, and typically, for cars valued at less than $4,000, collision coverage isn't necessary. If you choose to drop collision coverage, just keep in mind that you'll be personally responsible for any necessary repairs following an accident.

Cheapest car insurance companies for minimum coverage in Fort Worth, TX
Company Avg. 6 Mo. Premium
GEICO $281
USAA $317
Texas Farm Bureau $336
Allstate $341
State Farm $396
Nationwide $417
Progressive $454
  • Minimum: State liability coverage only
  • Basic: State liability + collision and comprehensive (full) coverage
  • Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
  • Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.

33% of our customers in Fort Worth opt for the minimum level of coverage, but this may not be the best option for everyone. While we understand state minimum coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Texas' 30/60/25 liability limits provide coverage for damage you cause up to $30,000 per person in bodily injury, $60,000 per accident in bodily injury and $25,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.

Learn more about insurance laws in Texas.

Fort Worth car insurance rates by credit score

Auto insurance companies in Fort Worth also use credit score as a rating factor, as drivers with poor credit are deemed riskier to insure. Improving your credit score can help lower your rates and save you money on auto insurance, regardless of where you live.

When attempting to reduce your auto insurance expenses, boosting your credit score is an excellent starting point. Fort Worth drivers with poor credit (300-579) are charged 108% more than drivers with excellent credit (800-850). The majority of drivers in Fort Worth have an average (580-679) credit score. In 2024, the most cost-effective option for drivers in this category is GEICO.

car insurance in fort worth by credit score
Cheapest car insurance companies for bad credit in Fort Worth, TX
Company Avg. 6 Mo. Premium
GEICO $1,158
Nationwide $1,213
Texas Farm Bureau $1,652
State Farm $1,672
USAA $1,731
Allstate $1,825
Progressive $2,126

Zebra Tip: If you recently improved your credit score, shop around for car insurance!


Don't overlook the role of credit scores in determining the cost of car insurance. Fort Worth drivers with "Fair" credit save $996 annually compared to those with "Poor" credit. If you've made any recent improvements to your credit score, it's worth checking with your credit monitoring service to see if you're eligible for lower rates on auto insurance.

Auto insurance rates with an at-fault accident

While no one wants to be involved in a car accident, it's crucial to have the right insurance coverage and information. At-fault accidents and collisions are the most common reasons for insurance claims, and having either on your driving record can significantly increase your insurance rate. In Fort Worth, our 2024 research discovered that at-fault accidents raised insurance rates by approximately $71 per month. If you're searching for affordable auto insurance after an accident, Wawanesa should be at the top of your list.

To avoid increases in rates, the best course of action is to avoid accidents. While we acknowledge that this is not always feasible, driving cautiously is a vital component that you can control most of the time. Do your best to avoid violations and citations - actions like speeding, reckless driving, and DUI or DWI can result in rate hikes that can persist for three to five years. Sometimes, a DUI can affect your rates for even more extended periods.


Cheapest car insurance companies after an at-fault accident in Fort Worth, TX
Company Avg. 6 Mo. Premium
State Farm $992
GEICO $1,094
Nationwide $1,280
USAA $1,331
Texas Farm Bureau $1,368
Progressive $1,746
Allstate $1,918

Fort Worth car insurance rates by violation

Read on to learn how various violations and claims will increase your premium in Fort Worth.

Car insurance rate increases after violations and citations in Fort Worth, TX
Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
None $1,008 0% $0
One Med/PIP claim $1,017 1% $9
One comp claim $1,074 6% $66
Not-at-fault accident $1,076 7% $67
Failure to show documents $1,078 7% $70
Driving with expired registration $1,086 8% $78
Two Med/PIP claims $1,092 8% $83
Driving without lights $1,093 8% $84
Failure to wear a seat belt $1,093 8% $85
Child safety restraint $1,100 9% $92
Texting while driving $1,120 11% $112
Cell phone violation $1,120 11% $112
Speeding 11 - 15 MPH over limit $1,123 11% $115
Speeding 6 - 10 MPH over limit $1,123 11% $115
Speeding 16 - 20 MPH over limit $1,123 11% $115
Driving too slowly $1,128 12% $119
Speeding in school zone $1,128 12% $119
In 65 MPH zone $1,129 12% $121
Failure to stop at a red light $1,130 12% $121
Improper passing $1,133 12% $124
Two comp claims $1,134 12% $126
Speeding 21 - 25 MPH over limit $1,134 13% $126
Wrong way/wrong lane $1,135 13% $127
Illegal turn $1,138 13% $130
Failure to yield $1,138 13% $130
Following too closely $1,140 13% $132
Passing school bus $1,145 14% $137
Operating a vehicle without permission $1,153 14% $144
At-fault accident - less than $1000 $1,253 24% $244
Driving with a suspended license $1,414 40% $406
Racing $1,419 41% $410
Reckless driving $1,439 43% $431
Leaving scene of an accident/hit and run $1,463 45% $455
Open container $1,465 45% $457
At-fault accident - $1000-$2000 $1,607 59% $599
At-fault accident - greater than $2000 $1,613 60% $605
Refusal to submit to a chemical test $1,652 64% $643
DUI $1,670 66% $662

Why is car insurance in Fort Worth so expensive?

Although Fort Worth has relatively low insurance rates compared to other cities in the state, it can still be a significant expense. Insurance in Fort Worth, as well as other cities, can be costly for various reasons. One of them is the high cost of living in a popular city — just as Fort Worth residents pay more to live in this bustling metropolis, insurance companies also have to cover their operational costs. This results in an increase in insurance rates. Auto insurance can also be expensive due to factors other than your credit score and driving history.

Let's explore why insurance rates can be high, even for responsible drivers.

location
Location

Where you live impacts your insurance rates, and it's not just the city and state. Fort Worth has many ZIP codes, some of which are more susceptible to theft and crime than others. In some areas, there are more uninsured drivers as well. Drivers who live in high-crime neighborhoods generally pay more than those in safer ones. Here are the most and least expensive ZIP codes for car insurance rates in Fort Worth.

Expensive Fort Worth ZIP codes: 76105, 76130, 76104, 76106, 76102

Cheap Fort Worth ZIP codes: 76028, 76262, 76052, 76247, 76126

weather
Weather risk

The destruction caused by hurricanes and other weather-related damage can and has bankrupted insurance companies. The Fort Worth area is so stranger to the drama of Mother Nature. Because of weather risk, it can get expensive for insurers to do business in Texas. Sometimes they have to raise rates in certain areas to help offset the risk that weather presents. Flooding is something that can happen just about anywhere if conditions are right, and it is covered under your comprehensive coverage. If you have a new or nice vehicle, we recommend considering carrying comprehensive car insurance coverage even if your car is paid off.

drivers
Number of drivers

Fort Worth, with a population of around 1 million in 2021, has busy roads that can result in more accidents. Insurance companies take on the risk of insuring drivers, leading to higher premiums for all. Sometimes, the increased costs have nothing to do with an individual's driving habits. In Fort Worth, approximately 33% of drivers are uninsured, which means that you may have to bear the cost of damages if an uninsured driver hits you.

Zebra Tip: Consider carrying UMPD as well as comprehensive coverage


The type of insurance that covers damage caused by weather-related events is comprehensive coverage. If you carry only the state minimum, you will have to pay for any repairs out-of-pocket, which could be quite substantial for events that cause severe harm to your car. In case you're worried about tornadoes, flooding, or other weather-related events causing damage to your vehicle, you might want to consider comprehensive coverage.

Adding uninsured motorist coverage (UMPD) to your insurance policy could be a smart choice if you reside in an area with a high number of uninsured drivers. Your UMPD coverage can be useful if you're in an accident with a driver who lacks sufficient insurance to pay for the damages. The cost of UMPD is usually lower than collision coverage and might have a lower deductible as well. Furthermore, the rate increases after making a UMPD claim are typically less drastic than those for a collision claim.


Bundling insurance policies in Fort Worth

Although car insurance prices are increasing throughout the nation, you can still save on your coverage in Fort Worth. Bundling is one of the simplest ways to receive a discount. Most of us have a homeowners or renters policy as well as our car insurance policy. If they're with different insurance companies, consider combining them. When you shop around for new rates, inquire about bundling discounts — you could save up to 10% by combining your policies with one insurer.

It won't take long to ask your current insurance company about bundling or compare rates from others to see what savings you may be missing out on. Discover more about bundling home and car insurance.

bundling home and auto insurance in fort worth
Cheapest car insurance companies for bundling home and auto insurance in Fort Worth, TX
Company Avg. 6 Mo. Premium
State Farm $686
GEICO $707
Nationwide $710
Texas Farm Bureau $790
USAA $800
Allstate $1,007
Progressive $1,023

While some things may be out of your control, drivers can work to make their profiles more appealing to insurers. The best advice we offer is to shop around and compare auto insurance quotes with as many companies as possible to ensure you're getting the most affordable rate that doesn't compromise coverage and service — especially if any personal factors have changed (like moving, celebrating a birthday or improving your credit). Try as you might, some companies are just more expensive than others; don't be afraid to switch.

Despite some factors beyond your control affecting your insurance rates in Fort Worth, you can work to maintain a good profile while shopping for insurance. Also, remember that you have choices when it comes to your insurance company! Even if you've been with the same company since you purchased your first car, it's worth looking at other auto insurance quotes to find the cheapest rate that also provides the coverage you need. Switching companies may be uncomfortable, but some tend to be more expensive than others, and you always have the option to switch.

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

Auto insurance in Fort Worth is costlier than the national and Texas state averages, with an average six-month policy cost of $1,008 or $168 per month.

Among all the carriers in Fort Worth, GEICO has the lowest rates, with an average of $755 for a six-month policy.

Auto insurance rates in Fort Worth are slightly more expensive than the going rate in Texas ($993), and several hundred more than the national average ($742).


Find affordable rates in minutes!

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How much is car insurance near me? — explore more cities near Fort Worth, TX


Recently answered questions about car insurance in Fort Worth from real Zebra customers

Car insurance near me in Fort Worth

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.