Cheap Car Insurance in Fort Worth, TX

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Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Daniel S. Young

Insurance Content Team Lead

Daniel S. Young is a journalist based in Birmingham, Alabama. He began his professional career in 2018 as a writer, editor, and later chief editor for his student newspaper, The Chanticleer, at Jacksonville State University. He also has written bylines for The Anniston Star, a local newspaper in Anniston, Alabama. He holds a BA  in Communication with a focus in Digital Journalism and is pursuing ...

Insurance Content Team Lead

UPDATED: Jan 6, 2024

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Looking for cheap auto insurance in Fort Worth, TX? From AutoInsuranceEZ.com, you will find the lowest priced insurance policy for your area. To find free car insurance prices available from the very best providers right now, key your zip code into the quote box in this posting.

Fort Worth has a rich and intricate history in western culture, and isn’t afraid to show it. This is even reflected in the city’s motto: “Where the West Begins”. Visitors and residents are just as likely to see horses and cattle as a towering skyscraper in the downtown area. Fort Worth is also known as one of the fastest growing cities in all of Texas.

  • Fun fact: Fort Worth is #21 on the list of “Top 100 biggest cities”. Impressive! Discover more about Fort Worth.

Auto Insurance Coverage Requirements in Texas

Driving legally in Fort Worth requires:

Coverage Requirements Most Common
Bodily Injury Liability 30,000/60,000 30,000/60,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 2,500
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

Just because mandatory Liability coverage limits are bigger in Texas doesn’t mean that you can stop there. Many vehicles, especially leased ones, will require a fully comprehensive policy. And, depending on who your lender is, a car that your still making payments on may have similar requirements.

State fact: the average motorist on the road right now is paying around $135 – or higher – for their Texas Auto Insurance policy. But living in Fort Worth can get you discounted coverage for as low as $85/mo*! We’ll be happy to show you how.

 

 

Average Monthly Auto Insurance Premiums

 

 

Legend:

Fort Worth

 

Texas Farm Bureau

State Farm

Encompass

Mercury

Allstate

 

 

10

20

30

40

50

60

70

80

90

100

110

 

 

 

$49

 

$85

 

$81

 

$90

 

$118

 

 

 

If you’re serious about shopping around for a lower rate, you might want to start with either Texas Farm Bureau or Encompass. Be sure to also compare strengths and weaknesses, financial stability, and customer service reports before making a final decision based on price alone.

Companies that offer auto insurance plans contemplate several variables while establishing insurance prices, particularly gender, driving violations, occupation, education, and multiple cars and drivers. Furthermore, premiums may alter from between companies. To find out if that you’re still receiving the best price, do a comparison of cheap Fort Worth auto insurance premiums via the internet.

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Major Car Insurance Factors in Fort Worth

Any time your automobile insurance agency gets ready to build your policy, they take quite a few parameters under consideration. Some, for instance your car’s make/model or maybe your particular address, usually are difficult to vary. Some alternative components are:

Your Zip Code

Where you store your automobile every night will probably have a major influence on your auto insurance rate. Typically, auto insurance is less expensive in outlying regions merely because a lower number of automobiles indicates a reduced possibility that you will get in a collision with another automobile. The populace of Fort Worth is 792,727 and the common family income is $52,430.

 

 

Auto Insurance by Zip Code

 

 

Legend:

San Antonio

Fort Worth

Dallas

Austin

Houston

 

Texas Farm Bureau

State Farm

Encompass

Mercury

Allstate

 

 

15

30

45

60

75

90

105

120

135

150

165

 

 

 

 

 

 

 

$55

$49

$80

$56

$60

 

 

 

 

 

$90

$85

$97

$89

$90

 

 

 

 

 

$85

$81

$111

$71

$109

 

 

 

 

 

$86

$90

$110

$90

$114

 

 

 

 

 

$127

$118

$165

$132

$140

 

 

 

Automotive Accidents

Any area with a high rate of serious accidents is, unfortunately, going to see a dramatic rise in local premiums. Based on the statistic below, the average Fort Worth driver has less than a 1 in 6,000 chance of getting involved in one of these. To put that in perspective, deadly accidents in Fort Worth happen at triple the rate of deadly accidents in Chicago.

 

 

Fatal Accidents in Fort Worth, TX

 

 

Legend:

Fort Worth

 

Fatal accident count

Vehicles involved in fatal crashes

Fatal crashes involving drunk persons

Fatalities

Persons involved in fatal crashes

Pedestrians involved in fatal accidents

 

 

15

30

45

60

75

90

105

120

135

 

 

 

63

 

92

 

16

 

69

 

136

 

22

 

 

 

Auto Thefts in Fort Worth

Even in smaller cities or outlying towns, car theft can nonetheless be a problem. To help make it a lesser dilemma in your case, consider investing in a passive anti-theft system within your current motor vehicle. Your actual auto insurance provider might reward you with cheaper prices! In Fort Worth, there were 2,399 auto thefts in 2013. Although theft rates are lower in Fort Worth than in other parts of the state, you’re still going to want to make sure you have some Comprehensive coverage on your policy.

 

 

Basic vs. Comprehensive Auto Policy

 

 

Legend:

Basic Coverage

Comprehensive Coverage

 

Texas Farm Bureau

State Farm

Encompass

Mercury

Allstate

 

 

15

30

45

60

75

90

105

120

 

 

 

 

$49

$70

 

 

$85

$102

 

 

$81

$111

 

 

$90

$92

 

 

$118

$126

 

 

 

Your Credit Score

Insurance companies are of the opinion that drivers with poor credit are a higher financial risk to their bottom line. Therefore, the lower your credit score, the more likely you are to pay up to triple the premium of someone with perfect credit. And some providers, like Allstate, won’t cover anyone with poor credit.

 

 

Auto Insurance by Credit Score

 

 

Legend:

Excellent Credit

Poor Credit

 

Texas Farm Bureau

State Farm

Encompass

Mercury

Allstate

 

 

10

20

30

40

50

60

70

80

90

100

110

120

130

140

150

160

170

180

190

200

210

220

230

240

250

260

270

280

290

300

 

 

 

 

$52

$96

 

 

$68

$163

 

 

$92

$306

 

 

$79

$110

 

 

$105

Do Not Sell

 

 

 

Your Age

Young drivers, due to their lack of experience, are more expensive to insure in Texas than in almost any other state. Just look at the chart below. If you are a young driver, or are trying to get coverage for one, try to get Good Student and Driver’s Ed discounts wherever possible. You may even want to consider bundling them to a family auto policy.

 

 

Auto Policy Age Comparison

 

 

Legend:

34 Year Old

17 Year Old

 

Texas Farm Bureau

State Farm

Encompass

Mercury

Allstate

 

 

100

200

300

400

500

 

 

 

 

$49

$168

 

 

$85

$286

 

 

$81

Do Not Sell

 

 

$90

$507

 

 

$118

$425

 

 

 

Your Driving Record

Texas insurance providers take your driving record seriously, as you can see by the chart below. Serious violations, like DUIs, will send premiums skyrocketing or possibly run the risk of losing coverage. But if your provider offers an Accident Forgiveness discount, you might still be able to find a good deal, even with a less than perfect record.

 

 

Driving Violations

 

 

Legend:

Perfect Record

Minor Speeding Ticket

DUI/Reckless Driving

Major At-Fault Accident

 

Texas Farm Bureau

State Farm

Encompass

Mercury

Allstate

 

 

20

40

60

80

100

120

140

160

180

200

 

 

 

 

 

 

$49

$60

$103

$74

 

 

 

 

$85

$84

$136

$101

 

 

 

 

$81

$108

Do Not Sell

$154

 

 

 

 

$90

$113

$114

$136

 

 

 

 

$118

$124

Do Not Sell

$205

 

 

 

Your Vehicle

The more expensive your vehicle is, the more insurance coverage you will have to buy. This helps protect you and your finances in the event that you have to make some expensive repairs, or replace your vehicle entirely.

 

 

Car Insurance by Make/Model

 

 

Legend:

2015 Honda Accord

2012 Porsche Boxster Spyder

 

Texas Farm Bureau

State Farm

Encompass

Mercury

Allstate

 

 

20

40

60

80

100

120

140

160

180

 

 

 

 

$49

$80

 

 

$85

$139

 

 

$81

$112

 

 

$90

$121

 

 

$118

$180

 

 

 

Minor Car Insurance Factors in Fort Worth

Below, we’ll clear up some confusion about some lesser-known factors which can determine your premium:

Your Marital Status

Spouses have a leg up when it comes to single drivers, because both partners can bundle their insurance policies together for a pretty nice discount. Of course, the two of you will have to sit down and agree on which provider to choose. But after that, you can enjoy some savings.

Your Gender

Insurance companies these days can’t seem to make up their minds when it comes to charging different rates based on gender. Some charge their male drivers more. Others put the financial burden upon female motorists. But an increasing number of companies don’t factor gender into the equation at all anymore.

Your Driving Distance to Work

Unlike some cities in Texas, it can be a little easier to get around in Fort Worth. Typical commute times only last between 15 and 25 minutes for the average motorists, and more than 72% of those are driving their own truck or car by themselves. Almost 20% will be carpooling.

Are you insuring your vehicle for business purposes? If so, understand that your monthly premium is around 11-12% higher than it would be if you were insuring the same exact vehicle for personal use (that is, traveling to school or work, or for pleasure).

Your Coverage and Deductibles

There is a somewhat opposite relationship between your deductible, and your monthly premium. When your deductible is high, your monthly rate will be lower. A low deductible, however, will result in a higher monthly payment. And you have the right to raise or lower your deductible whenever you wish. Just contact your insurance agent for more information. (For more information, read our “Is it a bad idea to have a high deductible on your auto insurance?“).

Education in Fort Worth, TX

27% of Fort Worth residents have not quite finished their secondary education, but 24% have successfully earned their high school diploma. However, if you’re looking for savings on your auto insurance, you might want to consider going back to school. Providers have recently begun offering cheaper rates to drivers who have advanced their level of education.

There are a total of seven different colleges servicing the Fort Worth area. The biggest by far is the University of Texas at Arlington. It educates nearly 25,000 students each year in a variety of subjects, but its current area of expertise is high technology. There are also several different campuses for the Tarrant County Junior College throughout the city.

You shouldn’t enable an unsatisfactory auto insurance provider persuade you into purchasing an auto insurance policy that’s not good for you. Of course, the actual quantity of related information needed in order to determine your own personal risk profile might be overpowering, however comparison internet sites like this will help make things easier. Simply provide a few specifics below, and just allow us to take over from there.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Texas Department of Insurance

Finance Commission of Texas

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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