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Get average car insurance rates for Fort Worth, TX by coverage level, ZIP code and company. Also get advice and information needed to make a smart decision to get cheapest insurance.
Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
Reviewed by:
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Learn everything you need to know to buy the best car insurance policy in Fort Worth for your particular situation. You’ll see which carriers are rated as the best car insurance companies for customer satisfaction and the average car insurance rates for your neighborhood.
You’ll also discover how much you can save from knowing how to make intelligent choices about coverage. And, find out how rates for Fort Worth drivers are affected by tickets, accidents and adding teen drivers.
Key Highlights
- The average car insurance cost in Fort Worth, TX for a full coverage policy is $1,805 a year, according to CarInsurance.com research.
- Colonial County Mutual Ins Co has the cheapest full coverage car insurance quotes in Fort Worth among all the carriers analyzed.
- By comparing price quotes from different carriers, you can save an average of $2,961 per year on a full coverage policy in Fort Worth.
- In Texas, comprehensive insurance costs an average of $292 and collision coverage is $662 per year, based on CarInsurance.com rate analysis.
Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
Reviewed by:
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Table of Contents
Table of Contents
- Who has the best car insurance in Fort Worth, TX?
- Cheap car insurance in Fort Worth, Texas
- Car insurance coverage – how much car insurance do I need in Fort Worth?
- Average car insurance rates in Fort Worth
- Compare car insurance quotes in Fort Worth – how to save on an insurance policy
- Fort Worth car insurance FAQs
- Guide to car insurance (with rates) in cities of Texas
Who has the best car insurance in Fort Worth, TX?
Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some, it may be price, while others value customer service the most. Still, others may be looking for the convenience of mobile apps, or a company that offers the most car insurance discounts.
Below we list car insurance companies in Fort Worth, and who they are the best at serving, based on CarInsurance.com’s customer satisfaction survey of current policyholders and rate data analysis.
| Best for | Company |
|---|---|
| Claims | Geico |
| Value/Price | Geico |
| Customer Service | Geico |
| Websites/Apps | USAA |
| Recommend | Metlife |
| Low Annual Mileage | Allstate F&C |
| Good Student | Nationwide CCMIC |
| Bundle | Allstate F&C |
| Paid in Full | Allstate F&C |
Cheap car insurance in Fort Worth, Texas
Find the cheapest car insurance rates in Fort Worth, based on our rate analysis for three different coverage levels. The driver profile is for age 30, with good credit and a clean driving record. You can see how major insurers rank for price in the chart below.
| Company | Liability Only – State Minimum BI/PD | Liability Only – 50/100/50 BI/PD | Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll |
|---|---|---|---|
| State Farm Mutl Automobile Ins | $412 | $589 | $1,307 |
| Auto Club County Mutl Ins Co | $448 | $652 | $1,489 |
| GEICO County Mutual Ins Co | $465 | $658 | $1,514 |
| Mercury County Mutual Ins Co | $522 | $681 | $1,843 |
| Allstate F&C Ins Co | $556 | $827 | $2,876 |
| Colonial County Mutual Ins Co | $583 | $781 | $1,282 |
| Met Lloyds Ins Co of TX | $594 | $909 | $2,112 |
| Progressive County Mutl Ins Co | $674 | $895 | $1,805 |
| Foremost County Mutual Ins Co | $683 | $1,205 | $2,387 |
Car insurance coverage – how much car insurance do I need in Fort Worth?
Below we’ll explain what coverage you need to drive legally, your state-required minimum liability limits, and what types of car insurance you may need to be truly protected.
Minimum car insurance requirements in Fort Worth
Texas car insurance laws require only that you insure yourself against bodily injury and property damage liability, so it’s your choice whether to add coverage for yourself, your passengers and your vehicle.
Getting comprehensive insurance and collision coverage makes sense if you have a newer car. In Texas, comprehensive costs $292 and collision costs $662, on an average per year, according to a rate data analysis done by CarInsurance.com.
These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.
The best car insurance coverage usually isn’t the cheapest. You may be used if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy.
To protect your assets, you should buy liability insurance in the following amounts:
- $1,00,000 to pay for others’ medical bills
- $3,00,000 to pay for injuries to others in an accident you cause
- $1,00,000 to pay for damage to others’ property
You should also consider buying these optional coverages:
- Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail and vandalism.
- Collision, which pays for damage to your car from accidents.
Average car insurance rates in Fort Worth
According to our rate analysis, the average rate for Fort Worth drivers for a year of minimum coverage is $531. If you increase your coverage to 50/100/50, you would pay just about $20.00 more monthly, or $240 more a year.
You can get full coverage (100/300/100) by paying $106.17 more a month, or an additional $1,274 a year more than minimum-level coverage.
Fort Worth average for:
- Minimum coverage: $531
- 50/100/50: $771
- 100/300/100: $1,805
Compare car insurance quotes in Fort Worth – how to save on an insurance policy
You can save an average of $2,961 annually on a full coverage policy in Fort Worth by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your particular circ*mstances, there is a significant benefit to shopping your policy.
Fort Worth car insurance FAQs
How much does insurance go up after a speeding ticket in Fort Worth?
A speeding ticket in Fort Worth will hike your car insurance rates by an average of 24%, or about $616 yearly. CarInsurance.com’s rate analysis shows how much more drivers in Fort Worth can expect to pay, on average, for speeding and other common violations.
Minor traffic violations, such as speeding, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date. More severe infractions like DUI stay on your record much longer.
How much does insurance go up for tickets in Fort Worth?
Fort Worth drivers can expect to see a hike in their rates in the range of 37% for minor moving violations such as tailgating or blowing through a stop sign, 52% for more severe infractions such as DUI.
Below you’ll see how much rates increase, on average, for common traffic violations.
Remember, though, that because insurance companies assess risk differently, you can still save by comparison shopping, because one carrier may ding you a lot for a citation, while another may spike your rate by much less.
| Violation | Average rate | Rate after violation | $ Increase | % Increase |
|---|---|---|---|---|
| 2 speeding tickets 11 mph or over | $2,611 | $3,448 | $837 | 32% |
| Careless driving | $2,611 | $3,259 | $648 | 25% |
| Distracted driving ticket | $2,611 | $3,254 | $643 | 25% |
| Driving without a license or permit | $2,611 | $3,035 | $424 | 16% |
| Driving without insurance | $2,611 | $2,908 | $297 | 11% |
| DUI/DWI first offense | $2,611 | $4,174 | $1,563 | 60% |
| DUI/DWI second offense | $2,611 | $5,658 | $3,047 | 117% |
| Failure to stop | $2,611 | $3,120 | $509 | 19% |
| Failure to yield | $2,611 | $3,120 | $509 | 19% |
| Following too closely | $2,611 | $3,138 | $527 | 20% |
| Improper turn | $2,611 | $3,120 | $509 | 19% |
| Improper/illegal pass | $2,611 | $3,086 | $475 | 18% |
| Operating a vehicle in a race (highway racing) | $2,611 | $3,580 | $969 | 37% |
| Reckless driving | $2,611 | $3,827 | $1,216 | 47% |
| Seatbelt infraction | $2,611 | $2,969 | $358 | 14% |
| Talking on cellphone ticket | $2,611 | $3,054 | $443 | 17% |
| Texting ticket | $2,611 | $3,054 | $443 | 17% |
How much does it cost to add a teen driver to your insurance?
In Fort Worth, adding a 16-year-old daughter to your policy will hike your rates by $2,346 annually or 130%, and it’s more for boys. Insuring your 16-year-old son will increase your yearly rate by $2,735 or 152% according to CarInsurance.com rate data.
According to CDC research, teen drivers are inexperienced and involved in more accidents than older drivers. Insurance companies categorize them as high-risk drivers, so they cost more to insure.
If you’re insuring a teen driver of any age, you can get expert tips, rate data by age and details in this parents’ guide to insuring a teen driver.
How much is SR-22 insurance in Fort Worth?
CarInsurance.com data show that for drivers in Fort Worth, your rate will go up by an average of $1,242 or 48%. If you’re convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf.
An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase.
— Ashlee Tilford contributed to this story
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
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Guide to car insurance (with rates) in cities of Texas
Arlington$1,926/year
Austin$1,750/year
Beaumont$1,899/year
Bishop$1,743/year
Bowie$1,642/year
Corpus Christi$1,885/year
Crystal City$1,829/year
Cypress$1,950/year
Dallas$2,073/year
El Paso$1,810/year
Houston$2,055/year
Irving$1,856/year
Plano$1,798/year
San Antonio$1,703/year
Get quotes near you!
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
As a seasoned expert in the field of car insurance and personal finance, I bring a wealth of knowledge and experience to the table. My extensive background, coupled with a deep understanding of insurance principles, allows me to provide insightful information and guidance on topics related to car insurance rates, coverage levels, and the intricacies of the insurance industry.
Now, delving into the content of the article on Car Insurance Rates By State, specifically focusing on Fort Worth, Texas, let's break down the key concepts used:
-
Average Car Insurance Rates in Fort Worth, TX:
- The article mentions that the average cost for a full coverage policy in Fort Worth, TX, is $1,805 per year, based on research from CarInsurance.com. This figure serves as a benchmark for readers to understand the general pricing in the area.
-
Cheapest Full Coverage Car Insurance Quotes:
- According to the research, Colonial County Mutual Ins Co is highlighted as providing the cheapest full coverage car insurance quotes in Fort Worth among all the carriers analyzed. This information is valuable for readers seeking cost-effective options.
-
Savings through Comparison:
- The article emphasizes the importance of comparing price quotes from different carriers. It suggests that, by doing so, individuals can save an average of $2,961 per year on a full coverage policy in Fort Worth. This highlights the practicality of shopping around for the best rates.
-
Comprehensive and Collision Coverage Costs in Texas:
- The piece provides specific data on the costs of comprehensive and collision coverage in Texas, stating that comprehensive insurance averages $292, and collision coverage is $662 per year. This information aids readers in understanding additional coverage costs beyond the basic liability.
-
Car Insurance Coverage Levels:
- The article advises readers on the coverage levels they might need, including state-required minimum liability limits and optional coverages like comprehensive and collision. It emphasizes the importance of protecting assets by choosing appropriate liability coverage amounts.
-
Average Car Insurance Rates in Fort Worth Based on Coverage Levels:
- The content presents a breakdown of average car insurance rates in Fort Worth for different coverage levels, including minimum coverage, 50/100/50, and 100/300/100. This information helps readers make informed decisions based on their budget and coverage preferences.
-
Impact of Tickets, Accidents, and Teen Drivers:
- The article addresses the impact of various factors on car insurance rates, such as speeding tickets. It provides data on how rates increase after common traffic violations and highlights the significant cost of adding a teen driver to an insurance policy.
-
SR-22 Insurance:
- The piece briefly touches upon SR-22 insurance, mentioning that drivers in Fort Worth can expect an average rate increase of $1,242 or 48% after being convicted of a serious offense requiring an SR-22 filing.
-
FAQs and Expert Advice:
- The article includes frequently asked questions, answered by insurance experts Laura Longero and John McCormick. These FAQs cover topics such as the impact of speeding tickets on insurance rates, the cost of adding a teen driver, and the expenses associated with SR-22 insurance.
In summary, this article serves as a comprehensive guide for individuals seeking information on car insurance rates in Fort Worth, Texas. It combines data-driven insights, expert advice, and practical tips to empower readers to make informed decisions about their car insurance policies.
