In Fort Worth, Texas, the average cost of car insurance for full coverage is $1,876 per year, while the average minimum coverage insurance costs $548 per year.


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Every driver in Fort Worth who has a vehicle registered in Texas must carry car insurance. However, some car insurance providers offer below-average rates. Here, we help you find the best car insurance companies for the cheapest car insurance in Fort Worth, using discriminating criteria such as average price, coverage options, discounts, customer service and financial strength.

Best car insurance companies in Fort Worth

The best car insurance companies in Fort Worth based on our research are USAA, State Farm, Nationwide, Geico and Mercury. These providers stand out for their affordable premiums as quoted by Quadrant Information Services, generous savings opportunities, policy offerings, customer satisfaction ratings and financial strength scores.

Insurance company J.D. Power customer satisfaction score
Average annual premium for minimum coverage Average annual premium for full coverage
Geico 832 / 1,000 $401 $1,368
Mercury Not rated $508 $1,835
Nationwide Not rated in region $595 $1,655
State Farm 838 / 1,000 $546 $1,438
USAA* 879 / 1,000 $421 $1,373

*USAA is not officially ranked by J.D. Power due to eligibility restrictions.


Geico is the cheapest car insurance provider in Fort Worth on average but offers fewer coverage options than some other providers, so it may not be the best choice for drivers who want to customize their policy. Drivers may be able to take advantage of discounts for military members, federal employees, emergency deployment, employee/membership groups and others.

Learn more: Geico Insurance review


Mercury Insurance offers standard coverage and common discounts, plus a mileage-based rewards program called RealDrive. The rates are slightly more expensive, but Fort Worth drivers may get a lower premium by having an anti-theft device in their vehicle, being a good student, insuring multiple vehicles, paying in full or being a safe driver.

Learn more: Mercury Insurance review


Nationwide is a good potential option for Fort Worth drivers who are looking for robust coverage options without paying a high premium. Nationwide offers several add-ons, including accident forgiveness, a total loss deductible waiver and gap insurance. There is also a disappearing deductible program and discounts for good students, having a vehicle with an anti-theft device, being claims-free, enrolling in AutoPay and more.

Learn more: Nationwide Insurance review

State Farm

State Farm is the largest car insurance company in the country, and it is a popular option for drivers in Fort Worth. State Farm stands out for its long list of discounts and safe driver rewards programs, including Steer Clear for young drivers and Drive Safe & Save for adults. Additionally, drivers may save up to 20% by insuring multiple vehicles, up to 17% for bundling policies and up to 25% for getting good grades in school.

Learn more: State Farm Insurance review


USAA sells car insurance exclusively to military service members, veterans and their qualifying family members. The company is known for offering low rates, great customer service and a variety of discounts, including military-specific savings. In fact, USAA claims that drivers save an average of $725 per year when they switch from another provider. USAA also offers flexible payment plans, highly-rated claims handling and accident forgiveness after five years.

Learn more: USAA Insurance review

Cheapest car insurance in Fort Worth

Car insurance in Fort Worth is more expensive than the average cost of Texas car insurance, but not by much. In Texas, the average driver pays $1,800 a year for full coverage insurance and $496 a year for minimum coverage auto insurance. The table below highlights the cheapest car insurance options in Fort Worth from the most popular carriers based on market share:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $401 $1,368
USAA $421 $1,373
Mercury $508 $1,835
Allstate $534 $1,915
State Farm $546 $1,438

Drivers who are looking for the cheapest car insurance in Fort Worth should spend time comparing providers to determine which carrier is right for their needs. For example, Geico and State Farm offer low rates, but the coverage is limited. Allstate offers many add-on coverages, but the premiums are more expensive. Drivers who want good customer service and low rates but do not qualify for USAA should consider another provider, like Mercury.

Fort Worth insurance requirements

Drivers in Fort Worth must carry at least 30/60/25 coverage, which includes the following:

  • $30,000 in bodily injury liability coverage per person
  • $60,000 in bodily injury liability coverage per accident
  • $25,000 in property damage liability coverage per accident

Car insurance companies that write policies for Texas drivers are also required to include personal injury protection (PIP) coverage automatically and must offer uninsured and underinsured motorist coverage. These coverages can be rejected in writing.

A minimum coverage insurance policy is the cheapest option. However, there is no guarantee that liability-only insurance will cover the full cost of an at-fault accident. If a driver causes an accident and their financial responsibility exceeds their policy limits, they are responsible for paying the difference out-of-pocket.

Fort Worth drivers should also consider that full coverage insurance is often required for leased and financed cars. Some lenders require drivers to carry full coverage insurance until their loan is paid off in full to reduce the company’s risk.

Car insurance discounts in Fort Worth

Most insurance companies in Fort Worth offer discounts that can help drivers save money on their car insurance policy. Here are some of the most popular discounts in Texas:

  • Policy bundling: Bundling a home and auto insurance policy with the same provider is one of the easiest ways to save money on insurance.
  • Claims-free: Most insurance companies offer a discount to drivers who have no accidents or insurance claims on their record over the last few years.
  • Anti-theft device: Cars that have an anti-theft system usually qualify for a discount because the risk of theft is reduced.
  • Automatic payments: Drivers who sign up for automatic payments to pay their monthly premium often get a small discount on the price of the policy.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is different for every driver. It depends on several rate factors, such as where the driver lives, how much coverage they need, what type of coverage they need and their budget. Drivers should shop around and compare providers to find the best company that meets their personal criteria.

How much does car insurance in Fort Worth cost?

In Fort Worth, the average driver pays $1,876 per year for full coverage insurance and $548 per year for minimum coverage insurance. However, keep in mind that every driver pays a slightly different rate based on factors like their age, ZIP code, credit score and claims history.

How much car insurance do I need in Fort Worth?

Fort Worth drivers are required to carry at least 30/60/25 liability coverage to legally operate their vehicle. Texas also has mandated PIP coverage, but you may reject this coverage in writing. Similarly, uninsured and underinsured coverage must also be offered, but can be rejected in writing. However, many drivers choose to purchase full coverage insurance for more protection. Additionally, some lending companies require drivers to purchase full coverage insurance if they have a leased or financed vehicle.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.