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Fort Worth Car Insurance

How much does car insurance cost in Fort Worth, TX? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Fort Worth?

The City of Fort Worth is renowned for its independent spirit and pioneering roots. The town was an essential trading post for cowboys along the Chisholm Trail. Today, Fort Worth has embraced the modern era while remaining true to its Western historical roots.

The area has many attractions for people to explore. Shoppers may enjoy a delicious Tex Mex meal at the 35-block Sundance Square or see artistic masterpieces in the Cultural District. On game day, they can stop by AT&T Stadium to cheer on the Dallas Cowboys. NASCAR enthusiasts may stop by the Texas Motor Speedway to see their favorite drivers race. The area also has nationally ranked Fort Worth Zoo, Bass Performance Hall, and other places.

Residents can use Fort Worth's Trinity Metro Transit System to travel around town, but they'll need a car to explore everything that the Dallas-Fort Worth Metroplex has to offer.

Are you a Fort Worth resident who needs insurance coverage for your vehicle? SmartFinancial can help you find affordable insurers that fit your needs and budget by comparing rates for you with over 200 car insurers.

In this article, you'll learn about the auto insurance requirements for Texas.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Fort Worth typically pay around $108.64 per month compared to the national average of $134.04 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.04
Texas $115.72
Fort Worth, Texas $108.64

Fort Worth, TX Best Car Insurance Companies

car insurance in Fort Worth

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Fort Worth coming in around $101.09 per month. Other companies to consider if you live in Fort Worth is USAA with an average cost of $103.65 per month and Clearcover which typically runs around $106.12 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Fort Worth.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $101.09-12.65%
2 USAA $103.65-10.43%
3 Clearcover $106.12-8.30%
4 Direct Auto $106.48-7.98%
5 Texas Farm Bureau Group $111.87-3.33%
6 Mercury Insurance $138.2819.49%
7 National General $171.1547.89%
8 Chubb $175.4651.63%
9 Esurance $177.9153.74%
10 Encompass $186.3961.06%

How Much is Car Insurance in Fort Worth, TX?

how much is auto insurance in Fort Worth

Rates can vary from city to city. The residents of Austin typically pay $113.29 per month while people who live in Dallas will pay $118.58 per month on average. See what people pay for car insurance in other cities in Texas.

Texas CitiesMonthly Average Rate
Austin $113.29
Dallas $118.58
El Paso $106.92
Fort Worth $108.70
Houston $137.57
San Antonio $118.68

Cheap Car Insurance in Fort Worth by Zip Codes

find cheap auto insurance in Fort Worth

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Fort Worth, TX ZIP CodeAverage Monthly Rate
76102$105.56
76103$90.81
76104$107.81
76105$108.46
76106$107.99
76107$102.15
76108$105.48
76109$97.67
76110$120.28
76111$97.75
76112$97.36
76113$107.40
76114$109.11
76115$109.22
76116$104.98
76118$110.91
76119$113.48
76120$110.69
76123$111.90
76124$96.39
76126$129.39
76130$76.52
76131$106.80
76132$99.59
76133$109.79
76134$104.37
76135$108.00
76136$117.42
76137$128.90
76140$106.65
76148$106.87
76155$115.94
76161$75.43
76164$116.46
76177$117.49
76179$113.38

Car Insurance Rates by Driver's Age Group in Fort Worth

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $248.70 per month in Fort Worth. Compare that to drivers in their 30’s who typically pay around $97.46 per month drivers in their 40s at $90.70 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$248.70
20s$138.18
30s$97.46
40s$90.70
50s$80.00
60s$82.35
70+$97.34

Cheapest Insurance for Teenage Drivers in Fort Worth

If you are teen in Fort Worth you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $168.30 per month. This is likely the most affordable option in Fort Worth. You might also want to consider Mercury Insurance and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$168.30
Mercury Insurance$180.75
State Farm$229.28
Texas Farm Bureau Group$247.45
Direct Auto$256.74

Cheapest Insurance for 20 Year-olds in Fort Worth

20 year-olds in Fort Worth might want to consider Direct Auto who, on average, offers car insurance rates around $128.18 per month. Clearcover , USAA , State Farm and Texas Farm Bureau Group are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct Auto$128.18
Clearcover$129.07
USAA$135.22
State Farm$139.07
Texas Farm Bureau Group$153.09

Cheapest Insurance for 30 Year-olds in Fort Worth

If you are in your 30s in Fort Worth our research has found that State Farm typically has the most affordable coverage coming in around $86.12 per month, followed by Direct Auto at $88.77 and USAA at $93.92.

CompanyAverage Monthly Rate
State Farm$86.12
Direct Auto$88.77
USAA$93.92
Texas Farm Bureau Group$96.42
Clearcover$117.29

Cheapest Insurance for 40 Year-olds in Fort Worth

On average, Mercury Insurance offers car insurance for 40 year-olds in Fort Worth for around $72.00 per month. If you are looking for affordable coverage, you may also want to consider Direct Auto or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
Mercury Insurance$72.00
Direct Auto$80.21
State Farm$83.47
USAA$87.97
Texas Farm Bureau Group$95.86

Cheapest Insurance for 50 Year-olds in Fort Worth

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Fort Worth we found that Liberty Mutual generally offers the most affordable coverage at $65.75 per month.

CompanyAverage Monthly Rate
Liberty Mutual$65.75
State Farm$73.03
Direct Auto$74.29
USAA$75.75
Texas Farm Bureau Group$77.58

Cheapest Insurance for 60 Year-olds in Fort Worth

If you live in Fort Worth and you’re in your 60s, our data indicates that Mercury Insurance usually has the best rates at $45.00 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Mercury Insurance$45.00
Liberty Mutual$50.50
Kemper Auto Premium$64.00
Dairyland$75.04
State Farm$76.44

Driver's Coverage Auto Insurance Rates in Fort Worth, TX

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Fort Worth, the average monthly rate for a driver who is currently insured is $99.29 while drivers who are not currently covered will pay around $114.66.

CoverageAverage Monthly Rate
Not Currently Insured $114.66
Currently Insured $99.29

Compare Recent Car Insurance Quotes in Fort Worth

auto insurance quotes in Fort Worth city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Fort Worth a driver of a 2014 Honda Cr-V can expect to pay around $91.87 per month while someone that owns a 2014 Honda Cr-V may pay around $67.30 per month. Check out the list of recent quotes in Fort Worth below.

VehicleAverage Monthly Rate
2014 Honda Cr-V$91.87
2014 Honda Cr-V$67.30
2014 Honda Cr-V$82.20
2014 Honda Cr-V$72.46
2018 Dodge Charger$189.80
2018 Dodge Charger$151.51
2018 Dodge Charger$173.87
2018 Dodge Charger$154.08
2012 Chevrolet Camaro$89.40
2013 Mercedes-Benz C$129.67

FAQ's for Drivers in Fort Worth, TX

driver’s frequently asked question in Fort Worth

What Is the Minimum Amount of Liability Coverage Required in the Fort Worth Area?

Texas law requires drivers to have 30/60/25 coverage for their vehicles.

  • Bodily Injury Liability: $30,000 per person and $60,000 total per accident
  • Property Damage Liability: $25,000 of coverage for property damage
  • Personal Injury Protection: $2,500 (unless you refuse this coverage)
  • Uninsured Motorist Bodily Injury: $30,000 per person and $60,000 per accident (unless you decline this insurance)
  • Uninsured Motorist Property Damage: $25,000

The minimum amount of coverage may not provide enough protection after an accident. If this happens, you could pay for these damages out of pocket. Buy additional insurance to protect yourself and your assets.

What Is the Blood Alcohol Concentration (BAC) Limit in the Fort Worth Area?

Under Texas law, the state considers drivers as legally intoxicated when their blood alcohol concentration is 0.08 percent. People also violate the law as soon as illegal substances affect their ability to drive, fly, or commandeer boats. The Department of Transportation says it's illegal for drivers to carry open alcohol containers in their vehicles.

Are you a Fort Worth resident with a DUI on your records? If you have rising insurance rates, you can switch to a more affordable carrier. Shop for the best rates using Smart Financial. We'll help find an insurer that's right for you.

Can I Register My Car without Insurance in the Fort Worth Area?

No, you can't register your car without insurance in Texas. State law requires residents to prove they can pay for accidents when they're at fault. Drivers must buy auto liability insurance for a coverage in case you cause damage to another driver's vehicle or property and to pay for medical expenses when you're at fault in an accident.

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Commute Time in Fort Worth, TX

27 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Fort Worth, TX

197

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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