Fort Worth, TX Car Insurance
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 2023, 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
GEICO is the cheapest at $126 per month or $755 for a six-month policy.
The second cheapest is Nationwide. On average, a Nationwide policy in Fort Worth costs $786 per six-month policy ($131).
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?
Fort Worth car insurance rates by company
Our 2023 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.
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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 |
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
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.
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:Â 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 2023, the most cost-effective option for drivers in this category is GEICO.
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 2023 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
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.
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:Â 76105, 76130, 76104, 76106, 76102
Cheap Fort Worth ZIP codes:Â 76028, 76262, 76052, 76247, 76126
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.
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.
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.
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Frequently asked questions
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Recently answered questions about car insurance in Fort Worth from real Zebra customers
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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 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.