How Much Does Car Insurance Cost in Fort Worth?
With insurance premiums within $54 of the state average, Fort Worth has rates that are relatively equivalent to Texas on the whole. The state of Texas requires all drivers to have minimum levels of bodily injury liability and property damage liability coverage. These policies can protect you in the event of an accident. Understanding how your insurance premiums are calculated can help in your search for cheaper car insurance. Review our tips to save on Fort Worth car insurance and save some hard-earned money.
INSURANCE PREMIUMS: FORT WORTH VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Fort Worth Auto Insurance by Marital Status and Gender
In Fort Worth, many driver traits, including marital status and gender, affect car insurance premiums. However, premiums for men and women generally only deviate marginally, with men paying more for coverage. Believe it or not, marital status has a substantial impact on premiums. Being married can lead to more affordable car insurance, saving you approximately 10% per year compared to being single or divorced. Rates for those who are widowed are also much cheaper than rates for those who are single.
FORT WORTH CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Fort Worth Auto Insurance After an Accident or Moving Violation
Being knowledgable about which driving mishaps can inflate your premiums will help you make better decisions and save money. Your driving record has a direct impact on how much it costs to insure your vehicle. If you have a poor driving history, your insurance company may consider you a liability and charge you more for your coverage. Just how much can an accident or infraction affect your car insurance policy?
An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. The amount of damage caused by an accident plays a role in how drastically insurance rates will climb. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another 18% per year in premiums. Normally, a DUI in Fort Worth will cost you 37% more in car insurance premiums versus the city average ($1,846). Reckless driving will also push your rates up, with typical rates of $2,587. That is 40% higher than the city average. As it stands, keeping a clean driving record can be the ticket to finding cheap car insurance.
AVERAGE FORT WORTH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$2,361|
|At-fault Accident (damages greater than $2,000)||$2,798|
|Speeding Ticket (16-20 mph over speed limit)||$1,939|
Fort Worth Car Insurance Premiums by Age Bracket
Car insurance companies can also use your age to determine how much you pay for your policy. While there isn't really anything you can do about how old you are, knowing how age impacts your insurance premiums can be helpful. So which age groups are most likely to find cheap car insurance?
The greatest fall in premiums between any age group is from the teenage age range to the 20s, as drivers in Fort Worth start seeing a reduction in premiums of $4,336. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time. With car insurance payments of $5,903 on average, teenage drivers have the highest rates of any age group. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest payments among any age group, with rates of $1,568 per year. People in their 60s ($1,632) aren’t paying much more.
FORT WORTH CAR INSURANCE RATES BY DRIVER AGE
Fort Worth Auto Insurance by Credit Level
Those with a poor credit history may find it difficult to find cheap car insurance. Insurance providers have found that those with low credit scores are more likely to file claims, which can lead them to see you as more of a liability. Nearly every insurance company will look at your credit score when putting together your policy. This can lead to a much higher cost for coverage.
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Drivers will see the largest decrease in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,114 per year.
FORT WORTH AUTO INSURANCE RATES BY CREDIT TIER
|Credit||Average Car Insurance Rate|
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in Fort Worth
Major HighwaysI-20 I-30 I-35
Toll RoadsChisholm Trail Parkway International Parkway I-820
Car Insurance Companies in Fort Worth
Find Local Fort Worth Agents
AG-Pro Insurance Services, LLC
5500 Lower Birdville Rd Fort Worth, TX 76117
McQueary Henry Bowles Troy, LLP
301 Commerce St #2201 Fort Worth, TX 76102
Northside Insurance Agency
1237 Lincoln Ave. Fort Worth, TX 76164
John A Miller & Associates
234 Emma St Fort Worth, TX 76111
Lucien Wright Insurance Services, Inc.
6000 Western Place Dr. Fort Worth, TX 76107
Granger Group Insurance
300 Burnett Fort Worth, TX 76102
Joseph A. Ferriulo
2605 Airport Freeway Fort Worth, TX 76111
Aon Risk Services Southwest, Inc.
301 Commerce St., Ste 2101 Fort Worth, TX 76102
Lone Star Insurers
8101 Boat Club Road, Suite 325 Fort Worth, TX 76179
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Fort Worth Car Insurance
If I have only the minimum insurance, PIP & liability and have an accident not involving any other cars, will my car’s damages be covered?
Fort Worth Car Insurance
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