Who Has the Cheapest Auto Insurance in Fort Worth, TX?
State Farm has the most affordable auto insurance in Fort Worth, at $34 per month for minimum coverage and $75 per month for full coverage.
Find Cheap Auto Insurance Quotes in Fort Worth
Best cheap car insurance quotes in Fort Worth, TX
To help you find the best cheap car insurance in Fort Worth, TX, ValuePenguin compared thousands of auto insurance quotes from top companies in Texas. We ranked companies based on factors like customer support, coverage and cost.
Minimum coverage quotes meet the Texas state requirements of $30,000 in bodily injury liability per person and $60,000 per accident plus $25,000 in property damage coverage. Full coverage quotes include higher liability limits plus comprehensive and collision coverage.
Cheapest auto insurance in Fort Worth: State Farm
State Farm has the cheapest minimum coverage insurance in Fort Worth.
Minimum coverage from State Farm costs an average of $34 per month, which is 35% cheaper than average. That's a savings of $18 per month.
Compare Car Insurance Rates in Fort Worth, Texas
On average, minimum coverage car insurance in Fort Worth costs $52 per month — about 8% more than the average cost of car insurance in Texas of $48 per month.
Cheap minimum coverage car insurance in Fort Worth
Company | Monthly rate | |
|---|---|---|
| State Farm | $34 |
| Farm Bureau | $35 |
| Geico | $49 |
| Allstate | $74 |
| Progressive | $81 |
| USAA | $37 |
USAA is only available to current and former military members and their families.
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. You'll have to pay for any repairs if you're at fault, which is why we recommend full coverage to people who drive new or expensive vehicles.
Cheapest full coverage insurance in Fort Worth: State Farm
State Farm has the most affordable full coverage policies in Fort Worth, at just $75 per month. That's 45% cheaper than the city average, which is $138 per month.
Company | Monthly rate |
|---|---|
| State Farm | $75 |
| Farm Bureau | $90 |
| Geico | $114 |
| Progressive | $222 |
| Allstate | $224 |
| USAA | $102 |
USAA is only available to current and former military members and their families.
Full coverage helps protect your own car because it includes both collision and comprehensive coverages.
- Comprehensive coverage pays for damage from events beyond your control, like vandalism, fire or natural disasters.
- Collision coverage pays for repairs to your car after an accident, regardless of who causes it.
Cheap car insurance for drivers with prior incidents
State Farm has the cheapest quotes for Fort Worth drivers with tickets or accidents on their records.
Fort Worth residents with bad credit can find the cheapest rates at Farm Bureau.
Insurance companies determine your rates based on the probability that you'll make a claim. Drivers with incidents like accidents, speeding tickets and DUIs in their pasts are more likely to cause an accident in the future. If you have any one of these on your driving record, or if you have a poor credit score, you'll usually be quoted higher car insurance rates.
Cheapest car insurance after a speeding ticket: State Farm
State Farm has the best rates in Fort Worth for drivers with a speeding ticket. A full coverage policy from State Farm costs $75 per month, which is only half as much as the average Fort Worth driver pays for coverage after a single speeding ticket.
Company | Monthly rate |
|---|---|
| State Farm | $75 |
| Farm Bureau | $90 |
| Geico | $136 |
| Allstate | $224 |
| Progressive | $273 |
Speeding tickets increase the average cost of auto insurance in Fort Worth, but only by 10%, or $14 per month, on average. That's far less than the 52% increase after an at-fault accident or a DUI.
Cheapest car insurance in Fort Worth after an accident: State Farm
State Farm has the most affordable rates for Fort Worth drivers with an at-fault accident on their records. At $91 per month, a full coverage policy from State Farm costs 57% less than the Fort Worth average.
Company | Monthly rate |
|---|---|
| State Farm | $91 |
| Farm Bureau | $144 |
| Geico | $181 |
| Progressive | $337 |
| Allstate | $354 |
Insurance rates in Fort Worth increase by an average of $72 per month after an at-fault accident.
However, not all insurance companies raise rates by the same amount after an accident. State Farm only raises full coverage rates by 21% after a single at-fault accident, while Farm Bureau increases rates by 60%.
Cheapest car insurance after a DUI: State Farm
State Farm has the most affordable insurance for Fort Worth drivers who have been caught driving under the influence (DUI). Full coverage from State Farm costs $125 per month after a DUI, which is 40% cheaper than the citywide average.
Company | Monthly rate |
|---|---|
| State Farm | $125 |
| Farm Bureau | $173 |
| Geico | $201 |
| Progressive | $253 |
| Allstate | $353 |
A DUI is one of the most serious offenses you can commit behind the wheel — it puts your life in danger, along with the lives of others around you on the road. Average full coverage rates in Fort Worth go up by 52%, or $72 per month, after a DUI.
Cheapest car insurance for drivers with poor credit: Farm Bureau
Farm Bureau has the most affordable rates for Fort Worth drivers with poor credit, at $204 per month for full coverage. That's 31% less than the average rate for drivers with poor credit, which is $296 per month.
Company | Monthly rate |
|---|---|
| Farm Bureau | $204 |
| Geico | $306 |
| Allstate | $315 |
| Progressive | $386 |
| State Farm | $389 |
Fort Worth drivers with poor credit pay twice as much for car insurance as those with good credit.
Your credit score has nothing to do with your ability to drive safely, but it can impact your auto insurance rates. That's because car insurance companies believe that drivers with poor credit are more likely to make claims in the future.
Cheapest quotes for teen drivers in Fort Worth: Farm Bureau
Farm Bureau has the cheapest quotes for young drivers in Fort Worth.
A minimum coverage policy from Farm Bureau costs $69 per month for an 18-year-old driver, which is 63% cheaper than average. Farm Bureau also has the most affordable full coverage rates for teens, at $151 per month — 69% cheaper than the Fort Worth average.
Monthly car insurance rates for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $69 | $151 |
| Geico | $112 | $245 |
| State Farm | $115 | $228 |
| Progressive | $377 | $1,139 |
| Allstate | $382 | $961 |
On average, teen drivers in Fort Worth pay $188 per month for minimum coverage and $485 per month for full coverage. That's more than three times as much as a 30-year-old driver pays for car insurance.
The reason rates are so high for teen drivers is that they're more likely to make a mistake and get into an accident than older drivers with more experience.
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 good grades or for having safety devices installed in your car.
Cheapest quotes for teens with tickets or accidents: Farm Bureau
Farm Bureau has the most affordable rates for young drivers in Fort Worth with tickets and accidents.
A minimum coverage policy from Farm Bureau costs $69 per month for an 18-year-old with a single speeding ticket — which is 64% cheaper than average. Young drivers with an at-fault accident pay around $99 per month for minimum coverage from Farm Bureau, which is 63% less than the Fort Worth average.
Monthly minimum coverage quotes for teens
Company | Speeding | Accident |
|---|---|---|
| Farm Bureau | $69 | $99 |
| State Farm | $115 | $132 |
| Geico | $124 | $162 |
| Progressive | $377 | $408 |
| Allstate | $382 | $690 |
On average, teens with a single speeding ticket only pay 2% more for car insurance than those with a clean record. However, an accident will cause your rates to increase by 39%, or $267 per month.
Cheapest car insurance for married drivers: Farm Bureau
Farm Bureau has the cheapest quotes for married drivers in Fort Worth. A full coverage policy from Farm Bureau costs $68 per month for a married driver with one car. That's 46% less than the average rate overall for married drivers.
Company | Monthly rate |
|---|---|
| Farm Bureau | $68 |
| State Farm | $75 |
| Geico | $129 |
| Allstate | $194 |
| Progressive | $209 |
Married drivers in Fort Worth pay an average of 8% less for full coverage car insurance than their unmarried counterparts. This is because married drivers statistically get into fewer accidents than single drivers, so insurance companies tend to give married drivers better rates.
Best Fort Worth car insurance companies
USAA has the best-rated car insurance in Fort Worth, based on ValuePenguin's multifactor rating formula.
USAA earned a top score from ValuePenguin editors due to its outstanding score on J.D. Power's claims satisfaction survey, low number of customer complaints, great coverage options and affordability. However, only military members, veterans and their families can buy car insurance from USAA.
Fort Worth drivers that aren't eligible for USAA should consider Farm Bureau and State Farm.
Best car insurance companies in Fort Worth, TX
Company |
Editor's rating
|
|---|---|
| USAA | |
| Farm Bureau | |
| State Farm | |
| Geico | |
| Allstate | |
| Progressive |
It's important for Fort Worth drivers to consider customer service scores when shopping for car insurance.
Companies with a good customer service reputation can make your life easier if you're in an accident by providing a fast and easy claims process. On the other hand, poor customer service could lead to longer repair times, or you may have to pay more money out of pocket to get your car fixed.
Average car insurance quotes in Fort Worth by ZIP code
Drivers in ZIP code 76028, which includes the Burleson neighborhood, have the cheapest car insurance rates, while drivers in 76130, near Overton Park, pay the highest rates in the city.
Car insurance rates can vary not only by city but by ZIP code as well. In Fort Worth, full coverage car insurance quotes vary by up to $36 per month, on average, 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, for instance, and insurance companies may raise rates in these areas to match this risk.
Full coverage quotes in Ft. Worth by ZIP code
ZIP code | Monthly cost | % from average |
|---|---|---|
| 76008 | $130 | -6% |
| 76028 | $128 | -7% |
| 76036 | $132 | -4% |
| 76040 | $138 | 0% |
| 76052 | $130 | -6% |
Frequently asked questions
Who has the cheapest car insurance in Fort Worth, TX?
State Farm has the cheapest car insurance for most drivers in Fort Worth. A minimum coverage policy from State Farm costs around $34 per month, while full coverage costs $75 per month, on average.
How much does car insurance cost in Fort Worth?
The average cost of minimum coverage car insurance in Fort Worth is $52 per month, which is 8% more expensive than the Texas state average. Full coverage insurance costs $138 per month, only $2 more per month than the Texas average.
Who are the best Fort Worth insurance companies?
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 to drivers with ties to the military.
Methodology
To find the best car insurance in Fort Worth, ValuePenguin gathered quotes from six of the largest insurance companies in Texas. Rates are for a 30-year-old man with a good credit score and clean driving record who drives a 2015 Honda Civic EX.
Full coverage quotes include comprehensive and collision coverage, along with higher liability limits than those required by Texas state law.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection: $10,000
- 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 insurer filings. These quotes are intended for comparative purposes only, as your own quotes may be different.