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.
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.
Find Cheap Auto Insurance Quotes in Fort Worth
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.
Compare Car Insurance Rates in Fort Worth, Texas
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 |
|---|---|---|
| 1 | State Farm | $598 |
| 2 | Fred Loya | $713 |
| 3 | Dairyland | $917 |
| 4 | Nationwide | $920 |
| 5 | Chubb | $957 |
| 6 | Geico | $1,018 |
| 7 | Allstate | $1,437 |
| 8 | MetLife | $2,035 |
| N/A | USAA | $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 |
|---|---|---|
| 1 | Fred Loya | $1,228 |
| 2 | State Farm | $1,296 |
| 3 | Geico | $2,223 |
| 4 | Nationwide | $2,389 |
| 5 | Chubb | $2,578 |
| 6 | Dairyland | $3,561 |
| 7 | Allstate | $4,340 |
| 8 | MetLife | $5,407 |
| N/A | USAA | $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 |
|---|---|---|
| 1 | State Farm | $1,534 |
| 2 | Fred Loya | $1,542 |
| 3 | Geico | $3,454 |
| 4 | Nationwide | $3,690 |
| 5 | Chubb | $4,399 |
| 6 | Dairyland | $4,691 |
| 7 | Allstate | $6,958 |
| 8 | MetLife | $10,146 |
| N/A | USAA | $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 |
|---|---|---|
| 1 | Fred Loya | $1,228 |
| 2 | State Farm | $1,296 |
| 3 | Chubb | $2,578 |
| 4 | Geico | $2,679 |
| 5 | Nationwide | $2,877 |
| 6 | Dairyland | $4,203 |
| 7 | Allstate | $4,340 |
| 8 | MetLife | $5,407 |
| N/A | USAA | $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 |
|---|---|---|
| 1 | State Farm | $2,003 |
| 2 | Fred Loya | $2,094 |
| 3 | Dairyland | $3,578 |
| 4 | Geico | $3,907 |
| 5 | Nationwide | $4,709 |
| 6 | Chubb | $5,583 |
| 7 | Allstate | $6,888 |
| 8 | MetLife | $11,022 |
| N/A | USAA | $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 |
|---|---|---|
| 1 | Fred Loya | $1,228 |
| 2 | State Farm | $2,001 |
| 3 | Nationwide | $2,703 |
| 4 | Geico | $3,141 |
| 5 | Chubb | $3,363 |
| 6 | Allstate | $3,965 |
| 7 | Dairyland | $4,037 |
| 8 | MetLife | $7,980 |
| N/A | USAA | $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 |
|---|---|---|
| 1 | Fred Loya | $933 |
| 2 | State Farm | $1,296 |
| 3 | Nationwide | $2,204 |
| 4 | Geico | $2,335 |
| 5 | Chubb | $2,578 |
| 6 | Dairyland | $3,330 |
| 7 | Allstate | $3,827 |
| 8 | MetLife | $4,305 |
| N/A | USAA | $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 |
|---|---|---|
| 1 | Fred Loya | $3,355 |
| 2 | State Farm | $4,000 |
| 3 | Geico | $4,702 |
| 4 | Chubb | $6,778 |
| 5 | Dairyland | $8,161 |
| 6 | Allstate | $8,269 |
| 7 | Nationwide | $8,978 |
| 8 | MetLife | $17,702 |
| N/A | USAA | $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 |
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 |
|---|---|---|---|---|
| 1 | Dallas | 1,363,295 | 10,257 | 7.5 |
| 2 | Houston | 2,355,606 | 13,098 | 5.6 |
| 3 | San Antonio | 1,559,166 | 7,781 | 5.0 |
| 4 | Lubbock | 259,208 | 1,225 | 4.7 |
| 5 | Fort Worth | 915,237 | 3,335 | 3.6 |
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.