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Kristine Lee

Manager, Content and Data

  • Licensed Insurance Agent — Property and Casualty

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…

What is the average cost of car insurance in Fort Worth?

The average car insurance rate in Fort Worth is $1,446 per year. That's more than the average in Texas ($1,415) and cheaper than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Fort Worth.

Fort Worth Average (annual) Texas Average National Average
$1,446 $1,415 $1,548

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Fort Worth car insurance costs by company

The company-by-company differences in car insurance rates can be substantial, so it's important to analyze quotes thoroughly (it's free and simple!) and choose your auto insurer carefully. In Fort Worth, USAA provides the most affordable rates for the typical insurance customer. Reference below the top options for affordable insurance in Fort Worth. Don't forget to get car insurance quotes based on your unique driving profile.

Insurance Company Average Yearly Rate
USAA $1,230
State Farm $1,314
GEICO $1,317
Allstate $2,269

Check out our guide to learn how to find the best cheap car insurance.

Car insurance rates by age bracket in Fort Worth

Fort Worth drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,254per year, on average. Those in their 60s don't pay much more ($1,298).

Young drivers aged 16 to 19 pay the most for car insurance in Fort Worth. When drivers hit their 20s in Fort Worth and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Fort Worth is $1,813. That's the biggest gap in premiums between any pair of age brackets.

Age tier Average Annual Rate
Teenagers $3,692
20s $1,879
30s $1,423
40s $1,387
50s $1,254
60s $1,298
70s $1,599

Learn more about the impact of age on auto insurance rates.

Fort Worth car insurance rates by gender and marital status

In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Fort Worth pay $94 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Fort Worth, single drivers pay more than those who are widowed.

Gender is another factor that can affect auto insurance rates. In Fort Worth, the gulf in car insurance costs between genders is $9 per year, with male drivers paying more than female drivers.

Gender/Marital Status Average Annual Rate
Female $1,437
Male $1,446
Single $1,352
Married $1,352
Divorced $1,446
Widowed $1,319

Learn more about the impact gender and marital status have on insurance rates.

Fort Worth auto insurance costs by accident and violation history

If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Fort Worth, a reckless driving citation results in an average insurance rate increase of $786 per year, compared to the citywide average. For comparison's sake, a DUI offense results in an $806 increase and a speeding ticket triggers a $127 rate hike.

Violation Average Annual Rate
DUI/DWI $2,252
Reckless Driving $2,232
At-fault Accident (damages < $1,000) $1,832
At-fault Accident (damages greater than $2,000) $2,195
Speeding Ticket (16-20 mph over speed limit) $1,573

Learn more about the impact of driving violations on car insurance rates.

Fort Worth car insurance rates by credit tier

Credit score is often closely correlated with car insurance costs. Fort Worth drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Fort Worth, improving your credit to "Fair" could help you earn a $1,250 decrease in annual car insurance rates.

Credit Level Average Rate (annual)
Very Poor $3,050
Fair $1,800
Good $1,446
Very Good $1,343
Exceptional $1,192

Get additional information on how credit impacts car insurance costs.

What drives up car insurance rates in Fort Worth?

Where you live in Fort Worth affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Fort Worth is no exception to the rule. From ZIP code 76247 to 76104, premiums rise by 13 percent—that's $171.

Expensive Fort Worth ZIP codes: 76111, 76102, 76105, 76106, 76104

Cheap Fort Worth ZIP codes: 76247, 76028, 76116, 76052, 76108

Fort Worth Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Fort Worth, you can expect 76 rainy days with an annual rainfall of 33 inches. Fort Worth is also known to experience thunderstorms and flash floods.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Fort Worth

Major Highways




Public Transit

The T Bus

TRE Commuter Rail

Toll Roads

Chisholm Trail Parkway

International Parkway


Popular Day Trips

Lake Granbury

Mineral Wells

Gorman Falls

Find Local Fort Worth Agents

Aon Risk Services Southwest, Inc.

301 Commerce St., Ste 2101, Fort Worth, TX 76102

Joseph A. Ferriulo

2605 Airport Freeway, Fort Worth, TX 76111

McQueary Henry Bowles Troy, LLP

301 Commerce St #2201, Fort Worth, TX 76102

Northside Insurance Agency

1237 Lincoln Ave., Fort Worth, TX 76164

Lone Star Insurers

8101 Boat Club Road, Suite 325, Fort Worth, TX 76179

Lucien Wright Insurance Services, Inc.

6000 Western Place Dr. Suite 100, Fort Worth, TX 76107

John A Miller & Associates

234 Emma St, Fort Worth, TX 76111

Granger Group Insurance

300 Burnett Suite 121, Fort Worth, TX 76102

AG-Pro Insurance Services, LLC

5500 Lower Birdville Rd, Fort Worth, TX 76117


The average Fort Worthian's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 228 cups of coffee or $571 in savings

See How Much You Can Save in Fort Worth

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If you don't have a receipt for goods, do renters still get paid for property loss?

You can file a renters insurance claim without receipts, but you should keep an up-to-date inventory of your personal belongings with photos and get an appraisal for big-ticket items. Your insurance company will let you know what all would be covered under your policy and if you would be reimbursed actual cash value or replacement cost for property lost.
Jul 7, 2021 Fort Worth, TX

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.