Cheap Auto Insurance Quotes in Fort Worth, TX (2023)

Nearly a million people live in Fort Worth, but this represents just over 3% of the population of Texas.^[1] But its proximity to Dallas, with a population of 1.2 million,^[2] means that the immediate Dallas-Fort Worth area has more than 2 million residents. There are 2.1 million vehicles registered in Dallas^[3] and 1.7 million vehicles registered in Tarrant County,^[4] where Fort Worth sits.

Every one of those vehicles in Fort Worth, Texas, must have at least the minimum-required car insurance for their owners to legally drive them. In Fort Worth, drivers pony up an average of $178 a month for minimum-coverage insurance — $85 less (32%) per month than the Texas average of $263.

How much does car insurance cost in Fort Worth?

The cost of car insurance can vary in Fort Worth based on factors like age, gender, location, and the type of car you drive.^[5]

Insurify data scientists analyzed the latest insurance rates in Fort Worth to identify the cheapest quotes in the area. Insurify found that the average quote for liability-only coverage for Fort Worth drivers ranged from $111 to $298 a month and that the average quote for full-coverage insurance is $158 to $666 a month.

Here are some of the cheapest insurers in Fort Worth:

• Cheapest liability-only insurance in Fort Worth: Commonwealth Casualty, at $111 a month

• Cheapest full-coverage insurance in Fort Worth: Mile Auto, at $158 a month

• Cheapest insurance for new and young drivers in Fort Worth: Travelers, at $163 a month

Learn More: Cheapest Car Insurance in Texas

Cheapest car insurance in Fort Worth: Mile Auto

At an average monthly rate of $142, Mile Auto offers the cheapest car insurance in Fort Worth.

Factors that influence car insurance rates include your location, driving record, and age.^[5]

In late 2022, Rich Johnson, a spokesman for the Insurance Council of Texas, said inflation, increased labor expenses, and higher costs for auto parts are among the reasons that car insurance rates in Texas had risen over the past five years. In 2022 alone, rates in Texas went up by an average of 20%, according to Johnson.

The following table shows average car insurance rates in Fort Worth.

How much car insurance do you need in Fort Worth?

Texas law requires a minimum amount of car insurance that drivers must carry. An estimated 20% of Texas drivers don’t carry car insurance.^[6] Failure to comply comes with a fine of $175 to $350 on the first offense.^[7] On the second offense, the fine is $350 to $1,000, your license is suspended, and your car may be impounded.^[8]

Texas is an at-fault state, so the driver who’s responsible for the accident is also responsible for paying for any related expenses, either through their car insurance company or out of their own pocket.

The minimum liability insurance requirements for private passenger vehicles in Texas are:

• $30,000 per person and $60,000 per accident for bodily injury 

• $25,000 per accident for property damage

Texas DMV information

The Texas Department of Motor Vehicles (TxDMV) registers vehicles and oversees car dealers across the state. Vehicle registration renewals can be done in person, online, or by mail. Another state agency, the Texas Department of Public Safety (DPS), issues and renews driver’s licenses. Driver’s licenses can be renewed at DPS offices around the state, as well as online, by phone, or by mail.

Tips for getting cheap car insurance in Fort Worth

You can make a number of moves to get cheap car insurance in Fort Worth, such as:

• Choosing a higher deductible: If you pick a $1,000 deductible rather than a $500 deductible, your car insurance premium will be lower.

• Asking about discounts: Insurers may provide discounts for completing a defensive driving or driver’s education class, maintaining a clean driving record, and insuring more than one car with the same company.

• Bundling coverage: If you buy two different types of policies with the same insurer, such as car insurance and home insurance, you could reduce your premium.^[9]

• Comparing quotes: The Insurance Information Institute suggests obtaining car insurance quotes from at least three companies and comparing them based on factors such as price and coverage.^[10]

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Fort Worth

Generally, older drivers pay less for car insurance than younger drivers. Insurers view mature drivers as safer drivers, as they tend to get into fewer accidents than less experienced drivers do.^[5]

However, drivers 70 and over may see their car insurance premiums climb because their rates for getting into fatal crashes are higher than those for middle-aged drivers.^[11]

Here are the average monthly rates by age group for car insurance customers in Fort Worth.

Below, you’ll find data on the cheapest car insurance for young drivers, middle-aged drivers, and senior drivers in Fort Worth. These averages apply to full-coverage policies.

Cheapest car insurance for young drivers in Fort Worth

The cheapest car insurance for young drivers in Fort Worth is sold by Progressive, at $189 a month. Among the ways that young drivers can save money on car insurance is by completing a driver’s education course or earning good grades.^[10]

Cheapest car insurance for middle-aged drivers in Fort Worth

The cheapest car insurance for middle-aged drivers in Fort Worth is from Mile Auto, at $110 a month. Among the ways middle-aged drivers can save money on car insurance is to compare quotes from several companies, raise their deductible, and maintain an accident and violation free driving record.^[10]

Cheapest car insurance for senior drivers in Fort Worth

The cheapest car insurance for senior drivers in Fort Worth is from Mile Auto, at $89 a month. Ways that senior drivers can save money on car insurance include completing an accident prevention course and raising their deductible.^[12]

How credit scores affect cheap car insurance in Fort Worth

Your credit history can affect how much you pay for car insurance. Texas allows insurers to use credit-based insurance scores to decide whether to extend coverage to you and to set your rates. Not all car insurance companies use these scores, though.

Credit-based insurance scores aren’t the same as credit scores. Insurance scores, while based on your credit history, help insurers predict how likely you are to file a claim.^[13] Credit scores, on the other hand, help lenders and creditors gauge how responsible you are with your credit lines.^[14]

The following table, based on Insurify data, shows the average monthly quote for car insurance in Fort Worth based on credit.

The FICO credit score, used by 90% of major lenders, generally ranges from 300 to 850. FICO defines a score of at least 800 as exceptional, a score of 740 to 799 as very good, a score of 670 to 739 as good, a score of 580 to 669 as fair, and a score of less than 580 as poor.^[15]

Read On: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Fort Worth

Racking up accidents or serious traffic violations on your driving record will likely drive up the cost of your car insurance.^[5] Insurify found that one citation can cause premiums to increase by an average of 35%.

The following tables compare average quotes per month for Fort Worth drivers with a clean driving record, with an accident, with a DUI, and with a speeding ticket.

It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.

Cheapest car insurance with an accident in Fort Worth: Travelers

An accident on your record can negatively affect your rates. If you’ve caused an accident, statistically, you may be at a higher risk of causing another. Insurance companies may increase your premiums to cover that risk.^[16] Travelers offers the cheapest average premiums for drivers with an accident on their record, with a monthly rate of $182.

Cheapest car insurance with a DUI in Fort Worth: Direct Auto

Driving under the influence (DUI) is a serious offense. With a DUI citation or conviction on your record, insurance companies may choose to not renew your policy or to not insure you at all.^[16] It’s important to shop around for insurance quotes in Fort Worth if you have a DUI on your record because your rates can increase to over $200 a month.

Cheapest car insurance with a speeding ticket in Fort Worth: Clearcover

In 2021, there were 1,026 car crashes in Tarrant County that involved a speeding driver.^[17] Like DUIs and accidents, a speeding ticket citation can increase your car insurance premiums in Fort Worth. Clearcover offers the cheapest car insurance quotes for drivers with speeding ticket citations, at $158 a month on average.

Car insurance in other Texas cities

Car insurance rates vary greatly from city to city — even within the same state. Here’s a look at car insurance rates in some other Texas cities:

• Cheap Car Insurance Quotes in Spring, TX

• Cheap Car Insurance Quotes in Dallas, TX

• Cheap Car Insurance Quotes in Houston, TX

• Cheap Car Insurance Quotes in Austin, TX

• Cheap Car Insurance Quotes in San Antonio, TX

Find local Fort Worth agents

Fort Worth car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Fort Worth.