Cheap Car Insurance Quotes in Fort Worth, Texas (2025)

Drivers in Fort Worth pay an overall average of $173 per month for car insurance, though rates vary widely depending on your insurer and your driving history. Due to Fort Worth’s population density, its drivers tend to pay more than motorists in several other Texas cities.

Here’s what you should know about finding car insurance in Fort Worth.

How much is car insurance in Fort Worth, TX?

Car insurance costs in Fort Worth are on par with the rates other Texas drivers pay. But Fort Worth rates are more expensive than the national average. See how Fort Worth car insurance rates compare in the table below.

Cheapest car insurance companies in Fort Worth

Many different factors affect your insurance rates, so no single insurer is the cheapest for everyone. In the table below, you can see some of the cheapest car insurance companies offering coverage to Fort Worth drivers.

Best car insurance companies in Fort Worth

Car insurance rates vary widely in Fort Worth, but cost isn’t the only factor you should consider. Companies consider your age, location, driving record, credit history, and more when offering you quotes.

The best car insurance company for you is the one that provides the coverage you need at rates that work with your budget. The quotes in the table below represent overall Texas averages, not just Fort Worth.

Best insurer for cheap rates: State Farm

Best insurer for discounts: GEICO

Best insurer for military members and their families: USAA

How to get the cheapest car insurance in Fort Worth

Insurance companies consider several factors when calculating your insurance rate, including:4

• Type of coverage and coverage amount

• Driving record

• Credit history

• Driving habits

• ZIP code

• Age and gender

• Deductible

Here are some steps you can take to keep rates down:

• Drive safely to avoid speeding tickets and accidents.

• Improve your credit.

• Raise your deductible.

• Take advantage of discounts for bundling policies.

• Maintain a clean driving record.

It’s also a good idea to shop around. Comparing quotes and coverage options from several Fort Worth insurance companies will help you find the best deal.

Car insurance requirements in Texas

Texas law requires proof that you can pay for any accidents you cause. For the vast majority of Fort Worth drivers, the best way to provide it is by purchasing 30/60/25 liability insurance to cover the following state minimum liability requirements:2

All Texas policies come with personal injury protection, or PIP, which pays for your and your passengers’ medical bills as well as lost wages and other costs, according to the Texas Department of Insurance.

Other coverages you should consider include:

Cheapest car insurance for drivers with an incident

Any event you report to an insurance company or that gets reported has the potential to increase your rates. These events are called chargeable incidents, and insurance companies take them seriously because they indicate that you’re a higher-risk driver who is more likely to file a claim. Incidents include at-fault accidents, speeding tickets, and DUI convictions.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding increases your risk of getting into an accident, and it also increases the severity of injuries and vehicle damage. As a result, insurance companies penalize drivers for being ticketed for speeding, especially if they’ve accumulated multiple tickets over a short period. But even one ticket can raise your rates.

The average cost of car insurance for drivers with a speeding ticket in Fort Worth is $267 per month for full coverage and $149 for liability only. The following table illustrates how a speeding ticket affects liability rates from top insurers in Fort Worth.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Unless your auto insurance coverage includes accident forgiveness, an at-fault accident is likely to increase your insurance rate. The size of the increase depends on the claim and your insurance company. In Fort Worth, the average cost of car insurance for drivers with an accident is $284 per month for full coverage and $158 for liability only.

Here you can see how an at-fault accident affects liability rates from the cheapest car insurance companies for Fort Worth drivers.

Cheapest car insurance for drivers with a DUI: State Farm

Under Texas law, you’re legally intoxicated when your blood-alcohol content reaches 0.08%, but any impairment that affects your driving is illegal.3 First offenders get a $2,000 fine, three to 180 days in jail, and loss of driving privileges for up to one year. And they can also expect to see a hefty increase in their insurance premium for several years.

Fort Worth drivers pay an average of $272 per month for full coverage and $151 for liability only after a DUI conviction. The table below compares rates for Fort Worth drivers with clean driving records versus drivers with DUI convictions.

Cheapest car insurance for seniors: State Farm

Older drivers typically have significantly fewer accidents than younger drivers do. Beginning around age 25, insurance rates drop to reflect that lower risk. The risk — and the number of accidents — starts to increase again beginning at age 70, and rates creep up as well.

The average cost of car insurance for senior drivers in Fort Worth is $189 per month for full coverage and $105 for liability only.

Here are quotes from top insurers for senior drivers in Fort Worth.

Cheapest car insurance for teens: State Farm

Teen drivers are some of the riskiest drivers on the road, and the insurance premiums that they pay reflect that. They’re more likely to get into accidents or engage in risky driving behaviors like distracted driving or speeding.

Teen drivers in Fort Worth pay an average of $434 per month for full coverage and $241 for liability only.

Many insurance companies have programs to reduce the cost of teens’ auto policies. State Farm, for example, employs usage-based technology that tracks young drivers’ driving behavior and rewards safe driving with up to 30% off. You might also get a discount if you get good grades, take a professional driving course, or leave your car at home when you go to college.

Here are quotes for teen drivers in Fort Worth.

Fort Worth car insurance quotes by credit tier

While insurance rates aren’t directly tied to credit scores, they’re influenced by credit-based insurance scores that predict the likelihood that you’ll file a claim.

In Texas and every other state that allows insurers to use credit history in calculating rates, maintaining your excellent or good credit or improving poor credit could save you money.4

Here’s how credit correlates with average monthly insurance quotes for full coverage in Fort Worth:

Cost of car insurance in other Texas cities

Insurify researched average quotes for several other Texas cities. Here’s how they compare to the averages in Fort Worth: