Who Has the Cheapest Auto Insurance in Fort Worth, TX?
Texas Farm Bureau has the cheapest car insurance in Fort Worth, at $89 per month for full coverage, on average.
Compare Car Insurance Rates in Fort Worth, TX
Best cheap auto insurance in Fort Worth, Texas
How we chose the top companies
Best and cheapest car insurance in Fort Worth
- Cheapest full coverage: Texas Farm Bureau, $89/mo
- Cheapest minimum liability: Texas Farm Bureau, $35/mo
- Cheapest for young drivers: Texas Farm Bureau, $68/mo
- Cheapest after a ticket: Texas Farm Bureau, $89/mo
- Cheapest after an accident: State Farm, $133/mo
- Cheapest for teens after a ticket: Texas Farm Bureau, $68/mo
- Cheapest after a DUI: State Farm, $121/mo
- Cheapest for poor credit: Allstate, $182/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Texas Farm Bureau offers the best combination of cheap rates and good customer service in Fort Worth. However, you can't get a quote from Texas Farm Bureau online. You'll have to speak with a local agent to compare rates.
State Farm is the best company if you need to compare quotes quickly online. It has great customer service reviews, but typically costs more than Texas Farm Bureau.
Cheapest auto insurance in Fort Worth: Texas Farm Bureau
Texas Farm Bureau has the most affordable full coverage car insurance in Fort Worth.
At just $89 per month, full coverage from Texas Farm Bureau costs less than half the citywide average. It's also $24 per month less than the second-cheapest option, State Farm.
Compare Car Insurance Rates in Fort Worth, TX
The average cost of car insurance in Fort Worth is $183 per month for a full coverage policy. That's $1 per month more than the Texas state average.
Best cheap full coverage car insurance in Fort Worth
Company | Monthly rate | |
|---|---|---|
| Texas Farm Bureau | $89 |
| State Farm | $113 |
| Geico | $169 |
| Allstate | $182 |
| Progressive | $222 |
*USAA is only available to current and former military members and their families.
Cheap liability insurance in Fort Worth: Texas Farm Bureau
Texas Farm Bureau has the cheapest minimum liability insurance in Fort Worth.
Liability-only insurance from Texas Farm Bureau costs an average of $35 per month. That's around half the city average, which is $69 per month.
Cheapest minimum liability car insurance in Fort Worth
Company | Monthly rate |
|---|---|
| Texas Farm Bureau | $35 |
| State Farm | $48 |
| Progressive | $59 |
| Geico | $68 |
| Allstate | $75 |
*USAA is only available to current and former military members and their families.
Compare Car Insurance Rates in Fort Worth, TX
Cheapest insurance in Fort Worth for teens: Texas Farm Bureau
Texas Farm Bureau has the most affordable quotes for young drivers in Fort Worth.
A minimum liability policy from Texas Farm Bureau costs around $68 per month for an 18-year-old driver. That's less than one-third of the citywide average and $94 per month less than the second-cheapest choice, State Farm.
Texas Farm Bureau also has the most affordable full coverage rates for teens. At $148 per month, full coverage from Texas Farm Bureau is one-quarter the city average.
Low-cost auto insurance in Fort Worth for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Texas Farm Bureau | $68 | $148 |
| State Farm | $162 | $333 |
| Geico | $169 | $375 |
| Allstate | $247 | $540 |
| Progressive | $302 | $1,068 |
*USAA is only available to current and former military members and their families.
Teen drivers in Fort Worth pay $229 per month for minimum liability coverage and $576 per month for full coverage, on average.
That's more than three times the rate for 30-year-old drivers. Teen drivers pay more for insurance because they're more likely to make a mistake and get into an accident.
The best way for teen drivers to find cheap rates is to share a car insurance policy with their parents. You should also ask your insurance company if it offers discounts for young drivers, like a good student discount.
Cheap insurance in Forth Worth after a speeding ticket: Texas Farm Bureau
Texas Farm Bureau has the best rates in Fort Worth for drivers with a speeding ticket. A full coverage policy from Texas Farm Bureau costs $89 per month after one speeding ticket. That's less than half the Fort Worth average of $222 per month.
Cheap car insurance in Fort Worth, TX after a ticket
Company | Monthly rate |
|---|---|
| Texas Farm Bureau | $89 |
| State Farm | $113 |
| Allstate | $182 |
| Geico | $203 |
| Progressive | $295 |
*USAA is only available to current and former military members and their families.
Speeding tickets increase the average cost of auto insurance in Fort Worth by around 21%. That's an average increase of $39 per month for full coverage insurance.
Cheapest Fort Worth insurance after an accident: State Farm
State Farm has the most affordable rates in Fort Worth after an at-fault accident. At $133 per month, a full coverage policy from State Farm costs less than half the Fort Worth average.
Low-cost insurance in Forth Worth after an accident
Company | Monthly rate |
|---|---|
| State Farm | $133 |
| Texas Farm Bureau | $141 |
| Allstate | $195 |
| Geico | $274 |
| Progressive | $350 |
*USAA is only available to current and former military members and their families.
Insurance rates in Fort Worth increase by an average of $153 per month after an at-fault accident.
You don't have to worry about switching insurance companies right after a crash. Your current rates won't go up until your policy renews. Any quotes you get will factor in your crash, so they'll probably be more expensive than your current policy.
Instead, wait until your current company sends your renewal offer. Then, you should compare quotes from multiple companies to find the best policy for you.
Cheap Forth Worth insurance for teens with tickets or accidents: Texas Farm Bureau
Texas Farm Bureau has the most affordable rates for young drivers in Fort Worth with a bad driving record.
Minimum liability insurance from Texas Farm Bureau costs $68 per month for an 18-year-old with one speeding ticket. That's less than one-third the citywide average.
Texas Farm Bureau also has the cheapest rates for young drivers with an at-fault accident. At around $97 per month, liability-only coverage from Texas Farm Bureau is one-third the Fort Worth average.
Monthly auto insurance quotes for teens after an incident
Company | Ticket | Accident |
|---|---|---|
| Texas Farm Bureau | $68 | $97 |
| State Farm | $162 | $183 |
| Geico | $190 | $250 |
| Allstate | $247 | $251 |
| Progressive | $307 | $313 |
*USAA is only available to current and former military members and their families.
On average, teens with a single speeding ticket pay 13% more for car insurance than those with a clean record. However, an accident will raise your rates by 52%, on average.
Cheap Fort Worth insurance after a DUI: State Farm
State Farm has the most affordable insurance for Fort Worth drivers with a DUI. Full coverage from State Farm costs $121 per month after a DUI. That's less than half the citywide average of $257 per month.
Low-cost auto insurance in Fort Worth, TX after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $121 |
| Texas Farm Bureau | $170 |
| Allstate | $234 |
| Progressive | $259 |
| Geico | $306 |
*USAA is only available to current and former military members and their families.
A DUI will increase your car insurance rates by an average of 40% in Fort Worth. Insurance companies believe people with a DUI are more likely to cause an accident in the future, so they typically pay more for insurance.
Cheap insurance in Fort Worth for drivers with poor credit: Allstate
Allstate has the most affordable rates for Fort Worth drivers with poor credit, at $182 per month for full coverage. That's less than half the average rate for Fort Worth drivers with poor credit, which is $396 per month.
Low-cost insurance in Fort Worth, TX for bad credit
Company | Monthly rate |
|---|---|
| Allstate | $182 |
| Texas Farm Bureau | $201 |
| Progressive | $384 |
| Geico | $443 |
| Farmers | $665 |
*USAA is only available to current and former military members and their families.
Fort Worth drivers with poor credit pay twice as much for car insurance as those with good credit.
Your credit score can affect your auto insurance rates because car insurance companies believe drivers with poor credit are more likely to make claims in the future.
Average car insurance quotes in Fort Worth by ZIP code
Drivers in ZIP code 76262 have the cheapest car insurance rates in Fort Worth.
Drivers in this ZIP code — which includes the Roanoke, Westlake, Trophy Club, North Keller, and Flower Mound neighborhoods — typically pay around $166 per month for full coverage insurance.
The 76130 ZIP code — which includes TCU's campus — has the highest rates in the city. Drivers here pay an average of $237 per month for full coverage.
Full coverage quotes in Fort Worth, TX by ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 76008 | $171 | -3% |
| 76028 | $167 | -5% |
| 76036 | $175 | -1% |
| 76040 | $174 | -2% |
| 76052 | $170 | -4% |
In Fort Worth, full coverage car insurance quotes vary by up to $71 per month from one ZIP code to the next.
Some ZIP codes are more densely populated, have higher crime rates or have a greater population of uninsured drivers. Insurance companies may raise rates in these areas to match this risk.
What's the best car insurance coverage in Forth Worth?
Full coverage car insurance is the best choice for most people in Fort Worth, TX.
Full coverage helps protect your car because it includes both collision and comprehensive coverages.
- Collision coverage pays for repairs to your car after an accident, regardless of who causes it.
- Comprehensive coverage pays for damage from events beyond your control, like vandalism, fire or natural disasters.
Lenders typically require you to have collision and comprehensive coverage if you have a car loan or lease. You should also consider adding these coverages if your car is less than eight years old or worth more than $5,000.
The low cost of a minimum coverage policy makes it an attractive option for many drivers. However, minimum coverage won't protect your own car in an accident. And it may not offer enough liability coverage to cover the cost of a major accident.
For example, minimum liability coverage only comes with $25,000 of property damage coverage. If you hit and total a brand new pickup truck, that probably won't be enough to fully cover the cost to replace it. You'll have to pay the difference out of pocket.
Frequently asked questions
Who has the cheapest car insurance in Fort Worth, TX?
Texas Farm Bureau has the cheapest auto insurance rates in Fort Worth, Texas, at $35 per month for minimum coverage and $89 per month for full coverage.
How much is car insurance in Fort Worth, TX?
The average cost of full coverage car insurance in Fort Worth is $183 per month. That's only $1 per month more expensive than the Texas state average. Minimum liability coverage insurance costs around $69 per month, only $2 more per month than the Texas average.
Who are the best insurance companies in Fort Worth, TX?
USAA, State Farm and Farm Bureau are the best car insurance companies in Fort Worth. All three companies have affordable rates and great customer service scores. However, USAA is only available if you have ties to the military.
Methodology
To find the best cheap insurance in Fort Worth, TX, ValuePenguin gathered quotes from seven of the largest insurance companies in the state. Rates are for a 30-year-old man with a good credit score and clean driving record who owns a 2015 Honda Civic EX.
Full coverage quotes include comprehensive and collision coverage, along with higher liability limits than required by Texas state law.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision coverage: $500 deductible
Rate data was pulled from Quadrant Information Services and publicly sourced from insurance company filings. These quotes are intended for comparative purposes only, as your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.