How Much Does Auto Insurance Cost in Fort Worth?
With premiums within $12 of the state average, Fort Worth has rates that are fairly consistent with Texas. Let's take a look at how car insurance costs in Fort Worth compare to rates nationwide.
AUTO INSURANCE RATES: FORT WORTH VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Fort Worth Car Insurance by Gender and Marital Status
Car insurance premiums in Fort Worth vary based on your gender as well as marital status. However, the amount by which men's and women's car insurance premiums deviate is minimal. In your city, marital status actually has a substantial impact on premiums. Being married, as opposed to single, can save you around 10% per year. Rates for those who are widowed are also significantly cheaper than rates for those who are single.
FORT WORTH AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Fort Worth Car Insurance by Credit Score
Improving your credit can save you a sizable amount of money. Those in the bottom credit tier (300-579) pay an average of more than twice as much on premiums than those in the top credit tier (800-850). Drivers will see the greatest drop in premiums when they improve their credit from Very Poor (300-579) to Fair (580-669). That change can save them $377 per year.
FORT WORTH CAR INSURANCE COSTS BY CREDIT TIER
Fort Worth Auto Insurance With Accidents or Violations
Being knowledgable about which driving mishaps can balloon your car insurance rates will help you make better decisions and save money. Drivers with a DUI in Fort Worth need to spend $740 more than the city average to insure their vehicle. Reckless driving will also push your premiums up, with average rates of $2,502. That is 37% higher than the city average. Being at-fault in an accident costs drivers an additional 49% per year in premiums compared to the city average.
AVERAGE FORT WORTH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Insurance Rate|
|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 Age Bracket
The most significant reduction in premiums for Fort Worth drivers happens when they hit their 20s. Once out of the teenage age bracket, people save, on average, 62%. While premiums for drivers in Fort Worth will continue to decline through their 50s, they should expect an increase when they hit 60. Among all age groups, drivers in their 50s have the smallest rates, with rates of $1,549 per year. People in their 60s ($1,618) also have relatively low premiums. Teenage drivers have the highest rates of any age group, with average car insurance payments of $5,862.
FORT WORTH CAR INSURANCE PREMIUMS BY AGE
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
Joseph A. Ferriulo
2605 Airport Freeway Fort Worth, TX 76111
Lone Star Insurers
8101 Boat Club Road, Suite 325 Fort Worth, TX 76179
AG-Pro Insurance Services, LLC
5500 Lower Birdville Rd Fort Worth, TX 76117
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
Northside Insurance Agency
1237 Lincoln Ave. Fort Worth, TX 76164
Aon Risk Services Southwest, Inc.
301 Commerce St., Ste 2101 Fort Worth, TX 76102
Granger Group Insurance
300 Burnett Fort Worth, TX 76102
The average Fort Worthian's annual cost of coverage
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Fort Worth Car Insurance
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