Car Insurance in Fort Worth
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Car Insurance in Fort Worth, TX
Almost one million people call Fort Worth, Texas, their home — making it the fourth-largest city in Texas. Several major employers have a significant presence in Fort Worth, including the U.S. Air Force Reserve, American Airlines, and BNSF Railway. The city offers plenty of attractions for residents and tourists, including Fort Worth Stockyards, a living museum that provides cowboy cooking and cattle rides.
When driving in Fort Worth, it's essential to abide by Texas laws. Don't use your cell phone or any other electronic device when behind the wheel, and stay within posted speed limits. All drivers and passengers must wear a seat belt whenever the car is in motion.
Texas law requires drivers to carry car insurance with a minimum of 30/60/25 coverage. Depending on your lender's requirements, you may be required to purchase additional insurance if you have a car loan or lease.
Since car insurance can be expensive depending on your location and zip code, it pays to shop for the best deal. EverQuote can help you compare car insurance quotes in Fort Worth to maximize your savings.
How much is car insurance in Fort Worth, TX?
The overall expense of car insurance in Fort Worth will vary greatly based on the coverage you choose. To give you a general idea, here are the typical costs for the three most frequently selected coverage options in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Fort Worth?
Evaluating and ranking the insurance costs for every car make, model, and year in the city is challenging. However, if you're interested in finding out which newer models are generally more affordable to insure, here are the top 10 most cost-effective car makes and models to consider in Fort Worth:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Honda Odyssey | $190 |
| 2 | Subaru Forester | $192 |
| 3 | Honda Cr-V | $192 |
| 4 | Toyota Corolla | $194 |
| 5 | Ford Fusion | $195 |
| 6 | Toyota Rav4 | $196 |
| 7 | Kia Sedona | $196 |
| 8 | Kia Sol | $197 |
| 9 | Toyota Tacoma | $198 |
| 10 | Ford F-150 | $204 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Whether you've had a minor fender bender, a serious crash, a couple of speeding tickets, a DUI, or hit and run – it could all make a difference to how much you're paying to stay insured in the city. Below is a breakdown of how prices change with common claims and violations in Fort Worth, sorted from least to most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $196 | 0% |
| Not at-fault Accident | $211 | +8% |
| Driving with expired registration | $226 | +15% |
| Speeding Ticket | $240 | +22% |
| DUI | $270 | +38% |
| Driving with a suspended license | $288 | +47% |
| Hit and Run | $294 | +50% |
| At-fault Accident | $318 | +62% |
What car insurance discounts can I get in Fort Worth?
In Fort Worth, various discounts can help reduce your insurance expenses. These include bundling multiple policies, paying in full upfront, opting for paperless transactions, and receiving renewal discounts for loyalty. The list below, ordered from the most significant to the least, highlights potential ways to save on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $173 | +$23 |
| Paid in Full | $186 | +$10 |
| Multi-Policy Renters | $188 | +$8 |
| Low Mileage | $189 | +$7 |
| Renewal discount | $190 | +$6 |
| Paperless | $193 | +$3 |
| Electronic Funds Transfer | $195 | +$1 |
| None | $196 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.