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Best cheap car insurance in Fort Worth for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Fort Worth
Bankrate's insurance editorial team uses average premium data sourced from Quadrant Information Services to determine the insurers that are writing the best cheap Fort Worth car insurance. Price is only one factor when looking for insurance, so we also considered customer satisfaction rankings, available coverage options and discounts and financial stability in our search for the top Texas carriers.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: Geico offers some of the cheapest average minimum coverage car insurance in Fort Worth, but has fewer coverage options than some other providers, so it may not be the best choice for drivers who want to customize their policy. Still, budget-conscious drivers will appreciate the company's low average rates and extensive discount list. Geico was the recipient of several prestigious 2024 Bankrate Awards: Best Auto Insurance Company Overall (tie), Best Budget Auto Insurance Company (tie) and Best for Young Drivers.
Why Geico may be best for discounts: Geico's discount list may be the most extensive of any major insurer, with opportunities for potential savings for military members, federal employees, emergency deployment and employee/membership groups, among others.
| Bankrate Score | 4.4 |
| J.D. Power | 653/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: State Farm is the largest car insurance company in the country by market share and offers competitive rates in Fort Worth for full coverage car insurance, which includes financial protection for your own vehicle. State Farm stands out for its list of discounts and safe driver rewards programs, including Steer Clear for young drivers and Drive Safe and Save for adults. However, if you need gap insurance or want to purchase an accident forgiveness endorsement, another provider may be a better option, as State Farm offers neither.
Why State Farm is best for local agents: State Farm might be a good option for drivers who want to handle their insurance business with an in-person agent, as the company has nearly 40 agents in the Fort Worth area alone. If you would rather manage your insurance business digitally, however, State Farm also has a robust online presence and highly-rated apps for both iPhone and Android.
| Bankrate Score | 4.3 |
| J.D. Power | 654/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why USAA made our list: USAA is a well-regarded insurance provider available nationwide for active-duty military members, veterans and their immediate family members. While eligibility restrictions make this insurance provider inaccessible to some, those who are eligible report high levels of customer satisfaction, reflected in the company's high J.D. Power score for customer satisfaction in the Texas region. Customers could get 10 percent off their premiums by bundling auto and homeowners insurance with USAA. You might also find additional savings for having a good driving history, including up to a 30 percent discount for enrolling in USAA's telematics-based SafePilot program.
Why USAA is best for military-focused coverage: As a provider for the military community, USAA has a good understanding of the needs of its clientele. Service members can earn a significant discount, for example, for garaging their vehicle on base. If you're deployed, your discount savings could add up to 60 percent off your premium.
| Bankrate Score | 4.2 |
| J.D. Power | 710/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Not available
Avg. full coverage premium
Full coverage
Not available
Why Nationwide made our list: Nationwide might be a good option for Fort Worth drivers looking for robust coverage options. The company offers several endorsements, including accident forgiveness, a total loss deductible waiver and gap insurance. There is also a disappearing deductible program available and potential discounts for good students, having a vehicle with an anti-theft device, being claims-free, enrolling in auto pay and more. Nationwide is not rated in the Texas region in the J.D. Power 2023 Auto Insurance Study, but it is worth noting that it consistently ranks below average in other regions where it is rated.
Why Nationwide is best for bundling policies: Nationwide allows policyholders to bundle almost any types of policies together: auto, home, renters, boat or even life insurance. According to the company's website, bundling your home and car insurance together saves policyholders an average of $646 annually.
| Bankrate Score | 4 |
| J.D. Power | 639/1,000 |
| AM Best score | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Mercury made our list: Mercury Insurance offers standard coverage types and common discount opportunities, plus a mileage-based rewards program called RealDrive. Its average rates are not the most competitive on our list, but Fort Worth drivers might save with discounts for anti-theft devices, good students, multi-policy purchases, paying in full or being a safe driver. The company is not rated by J.D. Power’s Auto Insurance Study in the Texas region, however, and it does not offer gap insurance.
Why Mercury is best for rideshare insurance: If you drive for a company like Uber or Lyft, you likely already have some basic coverage through your employer, but Mercury can augment this coverage with rideshare insurance. Coverage is available for as low as 90 cents a day, according to the company's website, so that you're more adequately protected in the event of an accident.
| Bankrate Score | 3.8 |
| J.D. Power | |
| AM Best score | A |
Bankrate's trusted insurance industry expertise
Read our full methodologyBankrate's insurance editorial team, which includes experienced licensed agents, sources rate data from Quadrant Information Services to give you an idea of what you might pay for coverage in Fort Worth. The team looks at rankings from third party organizations such as J.D. Power and AM Best, and assesses each insurer's offerings and discount opportunities, as well. All of this allows us to present accurate, up-to-date reviews of top carriers to help you make the best decision for your own policy.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in Fort Worth
Finding cheap coverage is a personalized experience, as car insurance companies all rate risk factors differently. That said, requesting quotes from carriers that offer low average rates may be a good starting point in your shopping journey. The following carriers offer the lowest average rates in the city specifically for minimum coverage policies.
| Insurance company | Average annual min coverage premium | Average annual full coverage premium |
|---|---|---|
|
$492
|
$1,718
|
|
|
$493
|
$1,783
|
|
|
$459
|
$1,823
|
|
|
$494
|
$2,105
|
|
|
$837
|
$2,398
|
How much is car insurance in Fort Worth, Texas?
Fort Worth drivers pay an average of $2,374 for full coverage car insurance and $681 for state-mandated minimum coverage. For comparison, the Texas state averages are $2,404 for full coverage and $680 for minimum coverage. Car insurance in cities is often higher than average due in part to the increased potential for accidents on congested urban roadways.
Fort Worth rates for teens
Teen insurance rates are some of the highest of any age range, because teens have less experience behind the wheel and thus have a statistically higher chance of being involved in an accident. Many insurers offer teen-focused discounts that can help lower your rate, including discounts for good students or for students away at college.
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$1,096
|
$972
|
|
|
$1,156
|
$1,037
|
|
|
$1,320
|
$957
|
|
|
$1,440
|
$917
|
|
|
$1,512
|
$1,231
|
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$3,478
|
$3,078
|
|
|
$3,804
|
$3,456
|
|
|
$3,834
|
$3,194
|
|
|
$4,240
|
$2,922
|
|
|
$4,428
|
$3,799
|
Fort Worth rates for young drivers
As drivers enter their twenties, their rates may start to decrease, as long as they maintain a good driving record. If young drivers still live at home, they may be able to stay on their parents' policy, which could save money.
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$840
|
$643
|
|
|
$1,044
|
$556
|
|
|
$1,084
|
$563
|
|
|
$1,401
|
$795
|
|
|
$1,880
|
$1,164
|
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$2,826
|
$2,258
|
|
|
$3,533
|
$2,043
|
|
|
$3,795
|
$2,051
|
|
|
$4,821
|
$3,022
|
|
|
$5,625
|
$3,982
|
Fort Worth rates for adults
As adult drivers age, their rates tend to continue to decrease until they are roughly 70 years old, with drivers in their 50s and 60s paying some of the lowest average rates. Your driving record, however, remains a primary factor in determining your rate, along with other considerations such as the age, make and model of your car and the ZIP code where you live. The companies in the tables below may be good choices for adult drivers looking for inexpensive coverage.
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$471
|
$459
|
$451
|
|
|
$504
|
$493
|
$496
|
|
|
$547
|
$492
|
$496
|
|
|
$608
|
$494
|
$538
|
|
|
$743
|
$740
|
$713
|
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$1,772
|
$1,823
|
$1,636
|
|
|
$1,844
|
$1,783
|
$1,702
|
|
|
$1,965
|
$1,718
|
$1,668
|
|
|
$2,523
|
$2,105
|
$2,086
|
|
|
$2,729
|
$2,398
|
$2,418
|
Fort Worth rates for senior drivers
Senior drivers may see a reduction in their reaction speeds or may experience hearing or vision loss that could lead to an increased number of accidents. Because of these risks, insurers tend to increase rates again as drivers enter their senior years. Some carriers offer discounts for senior drivers, often awarded when the drivers take a defensive driving course geared toward their age group.
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$436
|
$542
|
|
|
$473
|
$500
|
|
|
$486
|
$612
|
|
|
$487
|
$615
|
|
|
$676
|
$739
|
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$436
|
$1,765
|
|
|
$486
|
$1,888
|
|
|
$473
|
$1,717
|
|
|
$487
|
$2,192
|
|
|
$796
|
$2,751
|
The cheapest car insurance in Fort Worth by driving record
Insurers are in the business of risk. Drivers who have demonstrated that they are at a higher risk of having an accident are likely to pay more for their coverage. Any moving infractions may result in an increase in your rate, although an accident forgiveness endorsement may mitigate the outcome of a single claim. Speeding tickets, accidents and DUIs are all likely, however, to result in a boost to your premium cost.
Car insurance with a speeding ticket in Fort Worth
Drivers with a speeding ticket in Fort Worth pay average full coverage car insurance rates 15 percent more than those for drivers with clean records. This is in addition to any civil fines or other penalties that you accrue with your ticket. Multiple tickets may lead to even higher premium rates.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$515
|
$1,950
|
|
|
$574
|
$1,969
|
|
|
$574
|
$2,024
|
|
|
$740
|
$2,631
|
|
|
$789
|
$3,171
|
Car insurance after an accident in Fort Worth
Any accident—even if you are not at fault—can increase your insurance rate. If you are involved in an at-fault accident, full coverage rates are 61 percent more, on average, than rates for drivers with clean records. The higher rate may apply for several years before it drops off your record, depending on your insurer's policies.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$638
|
$2,472
|
|
|
$669
|
$2,240
|
|
|
$863
|
$2,948
|
|
|
$1,076
|
$3,092
|
|
|
$1,174
|
$4,415
|
Car insurance after a DUI in Fort Worth
DUIs are considered serious infractions by car insurance companies. There are some insurers that will not work with drivers who have a DUI on their license.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$718
|
$2,503
|
|
|
$765
|
$2,945
|
|
|
$783
|
$2,636
|
|
|
$836
|
$2,697
|
|
|
$1,008
|
$3,005
|
Minimum coverage requirements in Fort Worth
Like most states, Texas requires drivers to carry a certain amount of minimum car insurance coverage in order to drive legally on public roads. Specifically, drivers in Fort Worth need to have at least the following on their policy:
- $30,000 bodily injury liability per person per accident
- $60,000 bodily injury liability total per accident
- $25,000 property damage liability per accident
Although these are the minimum levels required, many insurance experts recommend that you purchase higher levels of liability, in order to be adequately protected following a serious accident.
You may also want to consider other optional coverage types, such as collision and comprehensive insurance, which help pay for damage to your own vehicle in an at-fault accident. If you have a car loan or lease, you may be required by your lender to include these types of insurance with your coverage.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2024 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Bankrate Score
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
-
Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.