How Much Does Auto Insurance Cost in Fort Worth?
Fort Worth has premiums that are relatively consistent with Texas' average, as they are within $12 of one another. We've analyzed how car insurance rates in Fort Worth compare to costs nationwide.
INSURANCE PRICES: FORT WORTH VS. STATE/US AVERAGES
|City Average||State Average||National Average|
Fort Worth Car Insurance Premiums by Age
Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance premiums among any age group, with rates of $1,549/year. However, people in their 60s ($1,618) aren’t paying significantly more. Fort Worth drivers see the most significant fall in premiums when they hit their 20s, as they pay an average of $3,663 less after moving out of the teenage age bracket. While premiums for drivers will continue to decrease through their 50s, they should anticipate to pay more when they hit 60. With payments of $5,862 on average, teenage drivers pay the most in car insurance premiums.
FORT WORTH CAR INSURANCE PREMIUMS BY DRIVER AGE
Fort Worth Car Insurance by Gender and Marital Status
Both gender and marital status are among the many driver traits that can play a part in car insurance premiums in Fort Worth. In your city, marital status actually has a substantial impact on premiums. Being married, as opposed to single or divorced, can save you around 10% per year on car insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Premiums for men and women tend to deviate somewhat, with women paying less.
FORT WORTH AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Fort Worth Auto Insurance After an Accident or Moving Violation
Being knowledgable about which driving mishaps can balloon the price of insurance rates will help you make better decisions and save money. In Fort Worth, drivers with a DUI have rates that exceed the city average ($1,822) by $740. Reckless driving will also drive your rates up, with typical rates of $2,502. That is 37% higher than the city average. Even among safe drivers, accidents happen, so be prepared and learn what one can do to your rates. Car insurance is an average of $901 more per year in Fort Worth if you have an at-fault accident on your driving record.
AVERAGE FORT WORTH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$2,723|
|At-fault Accident (damages greater than $2,000)||$2,723|
|Speeding Ticket (16-20 mph over speed limit)||$1,897|
Fort Worth Auto Insurance by Credit Level
Those with Very Poor credit (300-579) pay an average of 109% more each year on premiums than those with Exceptional credit (800-850). Drivers will see the greatest reduction in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $377 per year.
FORT WORTH CAR INSURANCE RATES BY CREDIT LEVEL
|Credit||Average Auto 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
Find Local Fort Worth Agents
John A Miller & Associates
234 Emma St Fort Worth, TX 76111
Lucien Wright Insurance Services, Inc.
6000 Western Place Dr. Fort Worth, TX 76107
McQueary Henry Bowles Troy, LLP
301 Commerce St #2201 Fort Worth, TX 76102
Joseph A. Ferriulo
2605 Airport Freeway Fort Worth, TX 76111
AG-Pro Insurance Services, LLC
5500 Lower Birdville Rd Fort Worth, TX 76117
Aon Risk Services Southwest, Inc.
301 Commerce St., Ste 2101 Fort Worth, TX 76102
Granger Group Insurance
300 Burnett 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
The average Fort Worthian's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Fort Worth
Just enter your zip code to get started
Fort Worth Car Insurance
Sharing is Caring: How to Share the Road with Cyclists
Feb 13, 2018
In recent years, there has been an alarming increase in cyclist fatalities in the U.S., and according to the National...
Get Smart about Sinkholes: Is Your Home Protected?
Nov 08, 2017
There are altogether too many unfortunate scenarios which might cause damage to your home and property, and your home insurance...
Can You Bring a Gun in an Uber?
Oct 19, 2017
For many people, when rideshare companies like Uber and Lyft came onto the scene it completely changed how they viewed...
Uber vs. Lyft: Which is Better for Riders and Drivers?
Oct 12, 2017
In 2015, Josh Waldrum from The Zebra did an experiment to see if it was possible to give up your car...
Criminal Background Checks for Rideshare Drivers: Do You Believe in Second Chances?
Oct 10, 2017
If you knew your Uber or Lyft driver was convicted of a crime, would you still hitch a ride? What...
Is This the End of Car Ownership?
Sep 05, 2017
For many, driving a car is a rite of passage. I remember counting down the days until I could walk...
How to Protect Yourself and Your Home Against Wildfires
Aug 21, 2017
Ever used the expression “spread like wildfire?” Fire is an incredible force of nature, and while it has its uses...
Top Insurance Tech Conferences to Attend
Aug 16, 2017
Technology is quickly changing the landscape for many industries, and insurance is no exception. Consumers have access to online resources...
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Work Zone Safety: The Rising Danger Facing Workers AND Drivers
Jul 05, 2017
We’re in the peak season for deadly crashes in road-work zones, according to the Federal Highway Administration’s Work Zone Management...
What Questions Do Insurance Agents Get Asked Most? (An Ask-iversary)
Jun 23, 2017
Howdy, folks! This week marks the one-year anniversary of The Zebra’s resource for all of your insurance questions: Ask an...
Uber vs. Ambulances: Comparing Price, Safety & Response Time
Jun 21, 2017
Imagine it’s the middle of the night, and you wake up to intense pain. You’re alone and in no condition...
8 of America’s Favorite Pit Stops: Buc-ee’s vs. Wawa and Beyond
May 25, 2017
Picture this: You’re on a road trip, making great time, when all of a sudden you feel a familiar rumble...
Zipcar vs. car2go: Which Car Sharing Service is King?
May 09, 2017
Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...
3 Tech Innovations That Will (Hopefully) Reduce Traffic
Apr 04, 2017
If there’s one thing everyone can agree to hate in this world, it’s traffic. People in the United States spend...
#ZebraChat on April 4: Distracted Driving Awareness Twitter Chat
Mar 29, 2017
April is Distracted Driving Awareness Month. Here at Quoted, we’ve written about this highly dangerous behavior in great detail. Here...
Everything You Need to Know about Buying a Car from Walmart
Mar 21, 2017
Soon people all over the U.S. may be able to come home with groceries for the week, new school clothes...
Is Government Disrupting Disruption? Mark Cuban & Adam Lyons Discuss at SXSW
Mar 15, 2017
On Sunday March 12, The Zebra Founder and CEO Adam Lyons joined Mark Cuban, entrepreneur, “Shark Tank” star, Dallas Mavericks...
Sweeten Up Your Sweetheart with a Delightfully Romantic (Driving) Date
Feb 10, 2017
We know celebrating Valentine’s Day isn’t always the coolest game in town, but we argue that any day with chocolate,...
Uber’s Latest: Should Driverless Cars Require Voter Approval?
Feb 09, 2017
Driverless vehicle technology isn’t ready for the mainstream public, but it’s getting there: automakers and technology giants across the world...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
You Just Paid Off Your Car, Now What?
Nov 30, 2016
Making the last payment on a car loan is a great accomplishment and, for most of us, a welcome relief....
‘Tis the Season to Volunteer (with Your Car)
Nov 29, 2016
For those looking to keep the spirit of giving alive this holiday season, the old standbys are still excellent: gift...
When Is It Worth It to Pay for More Liability Coverage?
Nov 23, 2016
Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...
Does Car Insurance Cover You Out of State?
Nov 14, 2016
Not only do traffic laws vary by state, auto insurance rules and coverage do too. And while the general idea of...