Cheapest Car Insurance in Fort Worth, Texas (2022)

Cheapest full-coverage car insurance in Fort Worth: State Farm at $195 a month, and GEICO at $204.

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Everything may be bigger in Texas, but your car insurance premiums don’t have to be. Most Fort Worth drivers looking to save money on car insurance can find affordable rates with GEICO, State Farm and Allstate. These companies offer some of the lowest insurance rates in the city and are available to most of its drivers.

In each category, however, USAA offers the cheapest rates and biggest savings to those who are eligible for coverage. To qualify for USAA, drivers must be a current member of the military, a former member of the military or an eligible family member.

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Cheapest car insurance quotes in Fort Worth

Drivers in Fort Worth who are looking to save money on minimum-coverage car insurance should check out Allstate and State Farm for affordable rates. Allstate offers the cheapest minimum coverage for most drivers with average rates of $112 per month. State Farm offers rates of just one dollar more at $113 per month.

USAA offers big savings for those who qualify with premiums that average $58 per month. To qualify you must be currently enlisted, a former military member or qualifying family member.

CHEAPEST CAR INSURANCE IN FORT WORTH FOR MINIMUM COVERAGE
Company Monthly rate
Allstate $112
State Farm $113
GEICO $120
USAA $58
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A minimum-coverage car insurance policy meets the state’s car insurance requirements for personal injury protection, uninsured motorist and liability coverage.

Most drivers in Fort Worth can find cheap full-coverage car insurance with State Farm. Full-coverage premiums are available from State Farm for $195 per month, on average. Again, USAA has the most affordable rates available at $113 per month, but only for drivers who qualify.

CHEAPEST CAR INSURANCE IN FORT WORTH FOR FULL COVERAGE
Company Monthly rate
State Farm $195
GEICO $204
Allstate $241
USAA $113
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance satisfies Texas’ state minimum-coverage requirements. It also provides policy holders with the added protection of both collision and comprehensive insurance protection.

Full-coverage car insurance is something that many lenders and lessors require for the length of your auto loan or lease. If your lender or lessor doesn’t require additional coverage, it’s still a great idea to increase your coverage if your car is expensive or new.

Full coverage satisfies the state requirement of liability-only insurance and offers additional protection in the unfortunate event of an accident. Collision and comprehensive coverage can help with unexpected replacement costs, extensive repairs and medical bills that would not be covered with a liability-only insurance policy.

Average cost of car insurance in Fort Worth

On average, Fort Worth drivers pay more for minimum- and full-coverage car insurance than drivers do nationally.

The average cost of minimum car insurance is $101 per month in Fort Worth, for example. The national average for this amount of insurance is $87 per month.

AVERAGE CAR INSURANCE COST IN FORT WORTH VS U.S. AVERAGE
Coverage amount Fort Worth average (monthly) National average (monthly)
Minimum coverage $101 $87
Full coverage $188 $176
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

For full-coverage car insurance, Fort Worth drivers pay $188 per month, on average, while the national average here is $176 per month.

Find cheap car insurance in Fort Worth, Texas

Cheapest car insurance in Fort Worth for drivers with incidents

In Fort Worth, drivers who have one DUI on their driving record can find cheap full-coverage car insurance with GEICO for $348 per month.

Drivers with DUIs who qualify for USAA can find even better savings there, as USAA’s average monthly premium for Fort Worth drivers with a DUI is $170.

CHEAPEST CAR INSURANCE WITH A DUI
Company Monthly rate
GEICO $348
Allstate $363
State Farm $363
USAA $170
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Accidents can happen to even the safest drivers. According to the Texas Department of Transportation, one accident was reported every 57 seconds in 2021.

State Farm and USAA offer cheap car insurance rates to Fort Worth drivers who have an accident on their record. State Farm’s average rate in this situation is $277 per month, while USAA’s is even cheaper at $175 per month.

CHEAPEST CAR INSURANCE WITH AN ACCIDENT
Company Monthly rate
State Farm $277
GEICO $310
Allstate $374
USAA $175
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Traffic stops happen every day in the state of Texas. According to the Texas Department of Public Safety, over 1,600,000 traffic stops occurred in 2020.

Speeding is one of the top reasons why drivers are given tickets. Fort Worth drivers with one speeding ticket on their driving record can find cheap full-coverage car insurance with Allstate for $241 per month. USAA charges these same drivers $127 per month, on average, but you need to have ties to the military to qualify.

CHEAPEST CAR INSURANCE WITH A SPEEDING TICKET
Company Monthly rate
Allstate $241
GEICO $246
State Farm $248
USAA $127
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheap car insurance in Fort Worth for teen drivers

Teen drivers in Fort Worth with a clean driving record (no tickets, accidents or DUIs) can find cheap minimum-coverage car insurance with GEICO and USAA. GEICO offers the city’s teen drivers affordable rates of $235 per month. Meanwhile, USAA offers eligible teens state-minimum coverage for $110 per month.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR TEENS
Company Monthly rate
GEICO $235
Allstate $318
State Farm $404
USAA $110
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In Fort Worth, most teen drivers can find cheap full-coverage car insurance with GEICO for $425 per month. USAA offers lower rates of $214 per month for qualified drivers — former and current members of the military and their eligible family members.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR TEENS
Company Monthly rate
GEICO $425
State Farm $702
Allstate $746
USAA $214
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Compare car insurance quotes from Texas' top companies

Cheap car insurance in Fort Worth for senior drivers

Senior drivers in Fort Worth who have a clean driving record can find cheap minimum-coverage car insurance with both State Farm and Allstate. The cost of coverage with these providers is just $107 per month. USAA offers the cheapest minimum-coverage premiums for $55 per month for qualified seniors.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR SENIORS
Company Monthly rate
State Farm $107
Allstate $107
GEICO $121
USAA $55
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

State Farm also has the best and cheapest car insurance for most Fort Worth seniors who want full-coverage policies, charging an average of $182 per month.

USAA offers even cheaper full-coverage premiums of $101 per month to qualifying senior drivers. Compared to the city average of $188, senior drivers can save $87 per month with USAA.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR SENIORS
Company Monthly rate
State Farm $182
GEICO $193
Allstate $204
USAA $101
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Fort Worth car insurance requirements

In Texas, drivers must carry a minimum amount of car insurance to operate a motor vehicle. The state requires 30/60/25 coverage, defined as follows:

  • Bodily injury liability per person: $30,000
  • Bodily injury liability per accident: $60,000
  • Property damage liability per accident: $25,000

Bodily injury liability per person means that, in the event of an accident, this is the maximum amount your insurance company will pay for an individual hurt in the accident.

Bodily injury liability per accident is the total amount your insurance company will pay per accident.

Property damage liability per accident is the total maximum amount your insurance company will pay for property damage due to the accident.

Recommended car insurance coverage

Collision and comprehensive car insurance coverage are not required in the state of Texas. However, collision and comprehensive coverage can protect you if you’re ever in an accident. This additional insurance coverage can reduce the financial burden of unexpected medical bills, repair costs and/or vehicle replacement costs.

To minimize your financial risks in a collision, QuoteWizard recommends 100/30/100 car insurance, defined as follows:

  • Bodily injury per person: $100,000
  • Bodily injury per accident: $300,000
  • Property damage liability per accident: $100,000

Protecting yourself and your investment with additional car insurance coverage is a great way to drive with more peace of mind.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Fort Worth ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Texas’ minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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