Who Has The Cheapest Auto Insurance Quotes in Forth Worth, TX?
Fort Worth auto insurance is slightly cheaper than the Texas state average, but by comparison shopping you can find premiums for much lower. We analyze 11 companies from Fort Worth to determine which had the cheapest and best auto insurance.
Cheapest Car Insurance Companies in Fort Worth, Texas
Where can you find the cheapest auto insurance in Fort Worth? Our analysis determined Texas Farm Bureau had the lowest costing auto insurance rates, with an average of $960 per year for full coverage for our sample driver, over half as expensive as the city average. GEICO and Progressive were also affordable options in Fort Worth.
Find the Cheapest Auto Insurance Quotes in Your Area
Our values were for a 30 year old male driver who has a clean driving record and is single. What you will be quoted will change based on your age, marital status, type of car you drive, and several other factors. Comparison shopping is the only way to truly determine which company will be cheapest for you. To start looking at car insurance quotes, put your zip code in the boxes above.
| Rank | Auto Insurance Company | Average Annual Rate |
|---|---|---|
| 1 | Texas Farm Bureau | $960 |
| 2 | GEICO | $1,324 |
| 3 | Progressive | $1,362 |
| 4 | State Farm | $1,476 |
| 5 | Mercury | $1,692 |
| 6 | Encompass | $1,836 |
| 7 | Unitrin | $1,848 |
| 8 | 21st Century | $2,292 |
| 9 | MetLife | $2,892 |
| 10 | Kemper Security | $4,344 |
| 11 | Dairyland | $4,908 |
Cost of Car Insurance in Fort Worth: by Neighborhood
Auto insurance rates within a city may actually fluctuate based on a neighborhood's crime and accident rates. Below you can see the average price of the five cheapest auto insurers in a sample of Fort Worth neighborhoods. Some neighborhoods like Stop Six are up to $138 more expensive than others like Mistletoe Heights for our sample driver.
| Neighborhood | Average Annual Car Insurance Rate |
|---|---|
| Mistletoe Heights | $1,370 |
| Ridglea Hills | $1,378 |
| Hulen Heights | $1,404 |
| Ryan Place | $1,433 |
| Arlington Heights | $1,464 |
| Stop Six | $1,508 |
Neighborhoods closer to the center of the city tended to be more expensive. It is important to remember though that even if you live in a more expensive neighborhood, you can still find a great deal by comparing car insurance quotes.
Best Auto Insurance Companies in Fort Worth
Who has the best car insurance in Fort Worth? The 2016 J.D. Power study of Texas auto insurance companies says the Texas Farm Bureau is considered the best by fellow Texans. The auto insurer scored the best for their handling of claims. Texas Farm Bureau is also the most affordable car insurance in Fort Worth, as it is in most of Texas, making it the best of both worlds. With Texas Farm Bureau however, you need to become a member, which requires an annual fee of $45 for those in Tarrant County. If you do not want to become a member, there are other several great car insurance companies Fort Worthers can go to.
| Auto Insurance Company | Best For... |
|---|---|
| Texas Farm Bureau | Claims Handling |
|
GEICO | Speed and Convenience |
|
USAA | Military Members |
GEICO is fast, easy, and pretty cheap as well. You can begin and purchase your quote within 20 minutes. On average we found GEICO to be over $300 more expensive than Texas Farm Bureau however for our sample driver, so even with the membership fee, you will still save money at Texas Farm Bureau. GEICO's claims handling and customer service also score middle of the pack in the same J.D. Power survey so that is also something to consider.
USAA is likely the best auto insurer if you can qualify. USAA is well rated by the J.D. Power survey, only being bested by the Texas Farm Bureau. USAA also offers a 15% discount on your comprehensive insurance if you store your car at a military base like the Naval Air Station Joint Reserve Base. If you are being actively deployed while a customer of USAA, you can also receive up to a 90% discount on your rates--avoiding a costly lapse in coverage. We found you may be able to get liability insurance for around $400 per year, and around $800 to $900 per year for full coverage which includes collision and comprehensive insurance.
Fatal Accidents in Fort Worth
Between 2011 and 2015, there were 328 fatal car accidents that happened within Fort Worth. I-30 saw a slight majority in the total fatal accidents, having 21 of the 328 that happened in Fort Worth in that time span.
Most Dangerous Roads in Fort Worth
Certain roads like I-30 tend to have more fatalities; the following is a list of the five roads with the most accidents between 2011 and 2015.
| Rank | Highway | Number of Fatal Accidents (2011 - 2015) | Percent That Involve Drunk Driver |
|---|---|---|---|
| 1 | I-30 | 21 | 28.6% |
| 2 | I-820 | 18 | 27.8% |
| 3 | I-35 | 17 | 23.5% |
| 4 | I-35W | 8 | 37.5% |
| 5 | I-30 WEST FWY | 7 | 42.9% |
Between 2011 and 2015, 28.4% of all fatal accidents in Fort Worth involved a drunk driver, which was slightly better than Dallas and Houston where around 32% and 38% of all fatal accidents had a drunk driver.
Minimum Car Insurance Requirements in Fort Worth, TX: The 30/60/25 Law
In Texas there is the 30/60/25 Law which requires all drivers to carry that amount of auto insurance for bodily injury liability and property damage liability coverage. Below you can see the full breakdown:
- $30,000 of Bodily Injury Liability per Person
- $60,000 of Bodily Injury Liability per Accident
- $25,000 of Property Damage Liability
Optional coverages such as collision and comprehensive insurance should also be strongly considered by most drivers if their car is less than 10 years old and worth less than $3,000. Texas also lets drivers purchase Personal Injury Protection as well. We would only recommend the policy however if your health insurance does not cover injuries sustained from a car accident.
How We Compared Quotes
We collected quotes from different insurance companies across 78 towns and cities in Texas including Fort Worth. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Texas. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.
| Coverage Type | Texas Minimum | Study Limits |
|---|---|---|
| Bodily Liability | $30,000 per person / $60,000 per accident | $50,000 per person/ $100,000 per accident |
| Property Damage | $25,000 per accident | $50,000 per accident |
| Uninsured/Underinsured Motorist BI | $50,000 per person/ $100,000 per accident | |
| Uninsured/Underinsured Motorist Property |
|
$50,000 per accident |
| Comprehensive & Collision | $500 Deductible |
Sources:
Fatal car accident and DUI data: FARS 2011 to 2015.