Who Has The Cheapest Auto Insurance Quotes in Forth Worth, TX?

Who Has The Cheapest Auto Insurance Quotes in Forth Worth, TX?

Car insurance in Fort Worth costs $1,006 annually for a minimum coverage policy, about 9% more expensive than the Texas state average of $926 per year.

State Farm has the most affordable minimum coverage auto insurance for residents of Fort Worth based on our analysis of the top companies in the state. Coverage from State Farm costs about $598 a year, which breaks down to about $50 a month. Fred Loya had the best quotes for full coverage car insurance, with premiums costing $1,228 per year.

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Always be sure to get quotes from more than one insurer. We found more than a $4,000 difference between the cheapest and most expensive insurers for Fort Worth residents.

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Cheapest auto insurance in Fort Worth: State Farm

The cheapest minimum-coverage insurance in Fort Worth comes from State Farm, Fred Loya Insurance and Dairyland Insurance. Minimum coverage costs an average of $1,006 in Fort Worth, but these three companies charge 26% less, enabling drivers to save $263 per year on average.

Cheapest car insurance companies in Fort Worth, Texas.

Compare Car Insurance Rates in Fort Worth, Texas

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While the low cost of a minimum coverage policy makes it an attractive option for many drivers, bear in mind that minimum coverage won't protect your own car in an accident. You'll be on the hook for any repairs, which is why we particularly recommend full coverage to drivers of new or expensive vehicles.

Rank
Company
Annual rate
1State Farm$598
2Fred Loya$713
3Dairyland$917
4Nationwide$920
5Chubb$957
6Geico$1,018
7Allstate$1,437
8MetLife$2,035
N/AUSAA$462

*USAA is only available to current and former military members and their families.

Cheapest full coverage car insurance in Fort Worth: Fred Loya

Fred Loya Insurance offers the most affordable full coverage policies to Fort Worth residents. However, State Farm comes in at a close second, costing just $6 more each month.

Members of the military and their families should contact USAA for a quote, as the company's average rates are just $4 more a month than what Fred Loya charges.

Rank
Company
Annual rate
1Fred Loya$1,228
2State Farm$1,296
3Geico$2,223
4Nationwide$2,389
5Chubb$2,578
6Dairyland$3,561
7Allstate$4,340
8MetLife$5,407
N/AUSAA$1,275

*USAA is only available to current and former military members and their families.

Full coverage ensures that your own car is protected because it includes both collision and comprehensive coverages.

  • Comprehensive coverage: Pays for any damages that result from events beyond your control, such as vandalism, fire or natural disasters.
  • Collision coverage: Pays for repairs to your own car after an accident, regardless of who causes it.

Cheap car insurance for drivers with prior incidents

Insurers set your rates based on the risk you pose. This includes factors like accidents, speeding tickets and DUIs when determining your risk level. If you have any one of these on your driving record, or if you have a poor credit score, you'll likely be quoted higher rates as a Fort Worth driver.

Cheapest car insurance in Fort Worth after an accident: State Farm

State Farm and Fred Loya Insurance again had the most affordable rates for Fort Worth drivers with an at-fault accident on their records. It's worth getting quotes from both insurers; we found less than a dollar difference between them per month.

Insurance rates in Fort Worth increase by 58% after an at-fault accident. This is because insurers view these kinds of accidents as a sign that you're a riskier driver, and they adjust rates to account for that risk.

Rank
Company
Annual rate
1State Farm$1,534
2Fred Loya$1,542
3Geico$3,454
4Nationwide$3,690
5Chubb$4,399
6Dairyland$4,691
7Allstate$6,958
8MetLife$10,146
N/AUSAA$1,914

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with a speeding ticket: Fred Loya

Speeding tickets also increase the average cost of auto insurance in Fort Worth, but only by $194 annually. That's far less than the increase after an at-fault accident ($1,559) or a DUI ($1,935).

The best rates widely available for drivers with a speeding ticket came from Fred Loya Insurance, which charged $1,228 annually.

The second-best rates came from at-fault accident, which charged $1,296 annually. In fact, neither of these insurers raised rates after a speeding ticket. Be sure to get quotes from both companies if you're looking for affordable insurance after a speeding ticket.

Rank
Company
Annual rate
1Fred Loya$1,228
2State Farm$1,296
3Chubb$2,578
4Geico$2,679
5Nationwide$2,877
6Dairyland$4,203
7Allstate$4,340
8MetLife$5,407
N/AUSAA$1,439

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with a DUI: Fred Loya

State Farm, Fred Loya Insurance and Dairyland Insurance offer the most affordable insurance to Fort Worth residents who have been caught driving under the influence (DUI).

A DUI is one of the most serious offenses you can commit behind the wheel, as it endangers not only your own life, but the lives of others around you on the road. Average rates in Fort Worth go up by 72%, from $2,700 before a DUI to $4,635 afterwards.

Rank
Company
Annual rate
1State Farm$2,003
2Fred Loya$2,094
3Dairyland$3,578
4Geico$3,907
5Nationwide$4,709
6Chubb$5,583
7Allstate$6,888
8MetLife$11,022
N/AUSAA$1,928

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with poor credit: Fred Loya

Fred Loya Insurance offers the best rates for Fort Worth drivers with poor credit, charging $1,228 per year on average. That's 64% less than the average rate for drivers with poor credit, which is $3,373.

Your credit score has nothing to do with your ability to drive safely, but it can impact your auto insurance rates. We found that Fort Worth drivers with average credit pay $2,244 annually, while drivers with very good credit pay $1,732 annually

Rank
Company
Annual rate
1Fred Loya$1,228
2State Farm$2,001
3Nationwide$2,703
4Geico$3,141
5Chubb$3,363
6Allstate$3,965
7Dairyland$4,037
8MetLife$7,980
N/AUSAA$1,936

*USAA is only available to current and former military members and their families.

Cheapest car insurance for married drivers: Fred Loya

Because married drivers statistically get into fewer accidents than single drivers, insurers tend to give married drivers better rates.

Fred Loya Insurance had the best rate for our sample Fort Worth driver, charging $933 per year. That's $1,501 cheaper than the average rate for married drivers and $1,767 cheaper than the average rate for single drivers.

Rank
Company
Annual rate
1Fred Loya$933
2State Farm$1,296
3Nationwide$2,204
4Geico$2,335
5Chubb$2,578
6Dairyland$3,330
7Allstate$3,827
8MetLife$4,305
N/AUSAA$1,101

*USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers: Fred Loya

Fred Loya Insurance quoted the best rates to our sample 18-year-old driver, asking $3,355 ($280 monthly). While that might sound like a lot, it's 53% cheaper than the city average of $7,142.

Teen drivers in Fort Worth should get a quote from State Farm as well; average rates are $4,000 annually ($333 monthly).

The reason rates are so high for teen drivers is because they get into accidents more frequently than older drivers with more experience. Rates for teen drivers in Fort Worth are 165% more expensive than rates for adult drivers.

Rank
Company
Annual rate
1Fred Loya$3,355
2State Farm$4,000
3Geico$4,702
4Chubb$6,778
5Dairyland$8,161
6Allstate$8,269
7Nationwide$8,978
8MetLife$17,702
N/AUSAA$2,333

*USAA is only available to current and former military members and their families.

To help offset the staggering cost of premiums, ValuePenguin urges young drivers to stay on their parents' insurance. And ask your insurer if they offer discounts for good grades or for having safety devices installed in your car.

Another option could be using a usage-based program that monitors your driving and lowers your rates if you stay safe on the roads.

Best auto insurance companies in Fort Worth

ValuePenguin surveyed customers of major national insurers, asking how satisfied they were with their most recent claim. Of the Texas insurers in our study, USAA, Nationwide and State Farm had the highest percentage of customers who were "extremely satisfied" with their most recent claim.

To learn more about the customer service reputations of the insurers we considered, check out our study of Texas car insurance companies.

Average car insurance costs in Fort Worth by ZIP code

Premiums can vary not only by city, but by ZIP code as well. Some ZIP codes have higher crime rates or a greater population of uninsured drivers, for instance, and insurers may raise rates in these areas to match this risk.

The cheapest full coverage rates for our sample Fort Worth driver were found in ZIP code 76008, while the most expensive were in ZIP code 76105.

ZIP code
Full coverage annual cost
Minimum coverage annual cost
76008$2,499$845
76028$2,518$910
76036$2,580$956
76040$2,727$1,030
76052$2,575$965
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Auto theft statistics in Fort Worth

We looked at 2019 FBI Crime Statistics and found that of the 11 most populous cities in Texas, Fort Worth had the fifth-highest rate of car theft. About 3.6 cars are stolen for every 1,000 residents.

Rank
City
Population
Car thefts
Thefts per 1,000
1Dallas1,363,29510,2577.5
2Houston2,355,60613,0985.6
3San Antonio1,559,1667,7815.0
4Lubbock259,2081,2254.7
5Fort Worth915,2373,3353.6
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Motor vehicle theft data was pulled from the FBI 2019 Texas Crime Report.

Methodology

ValuePenguin gathered quotes from nine of the largest insurers in Texas for this study. Our sample driver was a 30-year-old man who has an average credit score and drives a 2015 Honda Civic EX. Unless otherwise stated, the driver received rates for a full coverage policy. The full coverage policy included the following limits:

Coverage type
Study limits
Bodily injury liability$50,000 per person/$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/$100,000 per accident
Comprehensive and collision$500 deductible

Rate data was pulled from Quadrant Information Services, which in turn was publicly sourced from insurer filings. These quotes are intended for comparative purposes only, as your own quotes may be different.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.