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WHAT DRIVES UP CAR INSURANCE RATES IN Fort Worth
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?
- City Average: $1,822
- State Average: $1,810
- National Average: $1,427
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.
- Female: $1,804
- Male: $1,822
- Single: $1,822
- Married: $1,641
- Divorced: $1,822
- Widowed: $1,642
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.
- Teenagers: $5,862
- 20s: $2,199
- 30s: $1,795
- 40s: $1,738
- 50s: $1,549
- 60s: $1,618
- 70s: $2,010
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.
- DUI: $2,562
- Reckless Driving: $2,502
- At-fault Accident (damages less than $1000): $2,723
- At-fault Accident (damages greater than $2000): $2,723
- Speeding Ticket (16-20 mph over speed limit): $1,897
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.
- Very Poor: $3,154
- Fair: $2,676
- Good: $2,227
- Very Good: $1,883
- Exceptional: $1,506
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 Codes76111 76102 76105 76106 76104
Cheap Zip Codes76247 76028 76116 76052 76108
Be Prepared For
Driving in Fort Worth
Major HighwaysI-20 I-30 I-35
Toll RoadsChisholm Trail Parkway International Parkway I-820
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
Find Local Fort Worth Agents
Northside Insurance Agency
1237 Lincoln Ave. Fort Worth, TX 76164
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