Best Auto Insurance Rates in Fort Worth, Texas

On average, your neighbors pay $77 a month.

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Compare Auto Insurance in Fort Worth

Thursday, January 10 2019 By QuoteWizard

Often lumped in with Dallas, Fort Worth, Texas is a unique city and cultural hub. It is home to TCU, American Airlines, Lockheed Martin, and many museums, including the biggest collection of American art in the world. Known as the city of cowboys and culture, Fort Worth is also home to the world’s largest indoor rodeo. So, whether or not you’re a Horned Frogs fan, you should compare quotes to make sure you get the cheapest rates possible.

Average Fort Worth Car Insurance Rates

How much is car insurance in Fort Worth, TX? The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices may vary depending on your limits, coverage, and the number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Fort Worth, Texas and save up to 40% on your premium.

Last year, 21,412 people used QuoteWizard to get a car insurance quote comparison in Fort Worth, TX from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Fort Worth, TX

These were the most common car insurance companies reported by QuoteWizard users living in Fort Worth, Texas last year. 4,070 of these users were uninsured when they requested a quote.

  1. Allstate
  2. GEICO
  3. State Farm
  4. Progressive
  5. Farmers
  6. Nationwide
  7. Liberty Mutual
  8. Esurance
  9. AIG
  10. USAA

Other popular Fort Worth, Texas car insurance companies: MetLife, American Family, Hartford, Texas Farm Bureau, 21st Century, Country Financial, and Infinity.

Top 10 Vehicles

These are the most common car makes and models owned by Fort Worth, TX drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Ford Mustang
  3. Honda Accord EX/LX
  4. Chevrolet C1500 Silverado
  5. Ford Taurus SE
  6. Nissan Altima 2.5 S
  7. Chevrolet Impala
  8. Ford Explorer
  9. Chevrolet Malibu
  10. Honda Civic LX/EX

Minimum Car Insurance Requirements in Fort Worth, TX

Fort Worth, Texas has a minimum coverage requirement known as the 30/60/25 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The total your insurer will pay for property damage caused by a car accident.

Fort Worth Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Fort Worth ranked 133rd out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 8.1 years. Of the 21,412 Fort Worth drivers that requested car insurance quotes through QuoteWizard last year, 1,299 had incidents on their driving records including tickets, accidents, and DWIs.

Driving Conditions

Factors influencing your insurance rates are the driving conditions.

Weather

Fort Worth weather is hot and humid in the summer, and cold in the winter. Spring and fall are pleasant, but springtime storms can dump a lot of rain onto city streets, creating slick driving conditions and flooding. Snowfall is rare here, but when it does happen, the city is often paralyzed.

Road Conditions

The condition of Fort Worth roads is a big problem for local drivers. Local roads are in poor shape and getting worse thanks to shrinking street maintenance budgets. The increasing number of potholes is especially troubling because of the damage they can cause, some of which is severe enough to warrant an insurance claim. According to TRIP, the poor condition of city streets costs local drivers an additional $791 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

Fort Worth is ranked together with Dallas as having the 34th worst traffic congestion in the United States. An average commuter spends an extra 23 minutes per hour stuck in traffic for every 60 minutes spent commuting during peak hour and an extra 90 hours a year for commutes lasting 30 minutes.

In another study, the Texas A&M Transportation Institute (TTI) ranked Dallas-Fort Worth 11th in the nation for yearly delay per commuter. According to the TTI study, residents spend an extra 53 hours a year stuck in traffic congestion and waste 22 gallons of fuel annually. The total cost per commuter is estimated by the TTI to be $1,185 per year.

Moving Violations

Moving violations like drunk driving, following too close, accidents, and speeding will go on your driving record and raise your rates. Tickets and accidents can remain in your driving history for up to three years. If you get a lot of citations in a short period, your insurer could change your status from preferred or non-standard. This is a category reserved for drivers and cars considered more risky than others. You'll be able to keep required coverage to remain on the road, but it'll cost you. High-risk policies can be very expensive.

Traffic Tickets

The Fort Worth Municipal Court website allows you to pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local agents from top companies that specialize in Fort Worth DWI insurance.

DWI Crashes and Injuries

Fort Worth reported 560 crashes involving alcohol or drugs in 2017. These accidents involving impaired drivers caused 311 injuries and 19 fatalities.

Car Accident Statistics

Fort Worth officials reported 16,419 car crashes in 2017. These crashes resulted in 8,234 injuries, 576 of them serious.

Traffic Fatalities

Fort Worth Police reported 104 fatal collisions in 2017 resulting in 111 deaths in motor vehicle crashes.

All traffic deaths are a tragic loss, and considering Fort Worth’s estimated population of 874,168, the city ranks among the nation's worst in terms of traffic fatalities per capita.

Vehicle Theft Rates

Fort Worth reported 2,717 vehicle thefts in 2017. This is a rate of 3.11 per 1,000 residents. This rate is subtantially higher than the national average of 2.47 auto thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. Below are only some of the discounts available to drivers in Fort Worth, TX.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  4. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  5. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
  6. Take a defensive driving course at an accredited driver safety school

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