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 AverageState AverageNational Average
$1,822$1,810$1,427


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/GenderAverage Rate
Female$1,804
Male$1,822
Single$1,822
Married$1,641
Divorced$1,822
Widowed$1,642


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
CreditAverage Rate
Very Poor$3,154
Fair$2,676
Good$2,227
Very Good$1,883
Exceptional$1,506


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 ViolationAverage Insurance Rate
DUI$2,562
Reckless Driving$2,502
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
AgeAverage Rate
Teenagers$5,862
20s$2,199
30s$1,795
40s$1,738
50s$1,549
60s$1,618
70s$2,010


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 Zip Codes

76111   76102   76105   76106   76104  

Cheap Zip Codes

76247   76028   76116   76052   76108  

Be Prepared For

Driving in Fort Worth

Major Highways
I-20 I-30 I-35
Toll Roads
Chisholm Trail Parkway International Parkway I-820
Popular Day Trips
Lake Granbury Mineral Wells Gorman Falls

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.

76

Rainy Days a Year

33"

Avg. Annual Rainfall

1"

Avg. Annual Snowfall

Car Insurance Companies in Fort Worth

Aggressive Insurance AssuranceAmerica Bristol West Cal Casualty Dairyland Direct General Elephant Falcon GAINSCO Germania Mutual Hallmark Infinity Jupiter Auto Kemper Specialty Mendota Mercury MetLife Pronto Safe Auto The General Travelers

Find Local Fort Worth Agents

Aon Risk Services Southwest, Inc.

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

Granger Group Insurance

300 Burnett Fort Worth, TX 76102

AG-Pro Insurance Services, LLC

5500 Lower Birdville Rd Fort Worth, TX 76117

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$1,428

The average Fort Worthian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

228

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

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