Car Insurance in Fort Worth

With premiums within $12 of the state average, Fort Worth has rates that are fairly similar to the state. Why don't we go over some tips on how to save on car insurance in Fort Worth?

Fort Worth Car Insurance by Gender and Marital Status

Car insurance premiums in Fort Worth vary depending on driver characteristics such as marital status and gender. However, the amount by which men's and women's car insurance premiums differ is trivial. Believe it or not, marital status has a substantial impact on premiums. You can save roughly $180 per year if you're married as opposed to single or divorced. Rates for those who are widowed are also way cheaper than rates for those who are single.

Fort Worth Car Insurance by Age

The most significant decrease in premiums for Fort Worth drivers happens when they hit their 20s. Once out of the teenage age bracket, individuals save an average of $3,663. The first time drivers can anticipate their age to trigger an increase in premiums is when they turn 60. With typical car insurance payments of $5,862, teenage drivers have the largest premiums of any age group. Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $1,549 every year. People in their 60s ($1,618) have premiums that aren't much higher.

Fort Worth Car Insurance by Accident or Violation History

Past accidents and violations can cost you in terms of car insurance premiums. Being at-fault in an accident costs drivers an extra $901 per year in premiums compared to the city average. In Fort Worth, drivers with a DUI need to spend 41% more than the city average to insure their vehicle. Reckless driving will also bump your rates up, with average rates of $2,502. That is 37% higher than the city average.

Fort Worth Car Insurance by Credit Rating

Those with Very Poor credit (300-579) pay an average of more than twice as much each year on premiums than those with Exceptional credit (800-850). The most significant benefit of better credit comes from improving from Very Poor (300-579) to Fair (580-669), by which drivers can save nearly $377 per year.

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
Public Transit
The T Bus TRE Commuter Rail
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.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Car Insurance Companies in Fort Worth

Find Local Fort Worth Agents

Granger Group Insurance

300 Burnett Fort Worth, TX 76102

John A Miller & Associates

234 Emma St Fort Worth, TX 76111

Aon Risk Services Southwest, Inc.

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

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The average Fort Worthian's annual cost of coverage


Our customer's average savings after comparing insurance


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

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