Best cheap car insurance in Fort Worth

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Every driver in Fort Worth who has a vehicle registered in the state of Texas must carry car insurance. The average cost of full coverage insurance is $1,876 per year and the average cost of minimum coverage insurance is $548 per year.

However, some car insurance providers offer below-average rates. We identified the best cheap car insurance providers in Fort Worth using 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 are USAA, State Farm, Nationwide, Geico and Mercury. These providers stand out for their affordable premiums, 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 846 / 100 $401 $1,368
Mercury N/A $508 $1,835
Nationwide 820 / 100 $595 $1,655
State Farm 844 / 100 $546 $1,438
USAA 878 / 100 $421 $1,373

Geico

Geico is the cheapest car insurance provider in Fort Worth, with an average full coverage rate of $1,368 and an average minimum coverage rate of $401. Geico offers limited coverage, so it is not the best choice for drivers who want to customize their policy. However, drivers can take advantage of discounts for military members, federal employees, emergency deployment, employee/membership groups and others.

Mercury

Mercury Insurance offers standard coverage and common discounts, plus a mileage-based rewards program called RealDrive. The rates are slightly more expensive, with an average full coverage premium of $1,835 and an average minimum coverage premium of $508. But Fort Worth drivers can get a lower premium by having an anti-theft device in their vehicle, being a good student, insuring multiple vehicles, paying in full, being a safe driver and more.

Nationwide

Nationwide is a good 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.

State Farm

State Farm is the biggest car insurance provider 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, Steer Clear for young drivers and Drive Safe & Save for adults. Additionally, drivers can save up to 20% by insuring multiple vehicles, up to 17% for bundling policies and up to 25% for getting good grades in school.

USAA

USAA sells car insurance exclusively to military service members and veterans. 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 $707 per year when they switch from another provider. USAA also offers flexible payment plans, highly-rated claims handling and free accident forgiveness after five years.

Cheapest car insurance in Fort Worth

Car insurance in Fort Worth is more expensive than the average rate in Texas, but not by much. In Texas, the average driver pays $1,800 for full coverage insurance and $496 for minimum coverage 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 much more expensive.

USAA is known for offering exceptional customer service and claims handling, but the policies are only available for active duty military members and veterans. Drivers who want good customer service and low rates but do not qualify for USAA will need to look into 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

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 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 coverage in order to legally operate their vehicle. 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.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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 2018 Honda Accord, 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.