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.
AUTO INSURANCE COSTS: FORT WORTH VS. STATE AND US AVERAGES
|Fort Worth Average (annual)||Texas Average||National Average|
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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 compare quotes thoroughly and choose your 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.
FORT WORTH CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Yearly Rate|
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.
CAR INSURANCE RATES BY AGE TIER IN FORT WORTH
|Age tier||Average Annual Rate|
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.
FORT WORTH CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Gender/Marital Status||Average Annual Rate|
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.
FORT WORTH CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Annual Rate|
|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|
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.
FORT WORTH CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Level||Average Rate (annual)|
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
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Driving in Fort Worth
Major HighwaysI-20 I-30 I-35
The T Bus
TRE Commuter Rail
Toll RoadsChisholm Trail Parkway International Parkway I-820
Car Insurance Companies in Fort Worth
Find Local Fort Worth Agents
John A Miller & Associates
234 Emma St, Fort Worth, TX 76111
Granger Group Insurance
300 Burnett Suite 121, Fort Worth, TX 76102
Lone Star Insurers
8101 Boat Club Road, Suite 325, Fort Worth, TX 76179
Northside Insurance Agency
1237 Lincoln Ave., Fort Worth, TX 76164
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
Lucien Wright Insurance Services, Inc.
6000 Western Place Dr. Suite 100, Fort Worth, TX 76107
AG-Pro Insurance Services, LLC
5500 Lower Birdville Rd, Fort Worth, TX 76117
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