Car Insurance for Fort Worth in 2023

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Drivers in Fort Worth pay an average of $2,459 per year for car insurance, but you might find cheaper coverage if you shop around.

By Andrew Marder 

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The Fort Worth area has much to offer, but you’ll need to drive to get to it all. You can relive the Old West with a twice-daily cattle drive at the stockyards, take in more animal attractions at the Fort Worth Zoo or head to Texas Christian University to root for the Horned Frogs. But Fort Worth is one of the most dangerous U.S. cities to drive in, so you’ll need car insurance to drive legally and stay financially protected on the road.

NerdWallet has analyzed car insurance rates in Fort Worth to help you in your search for a policy. But use these rates as a baseline since car insurance premiums are priced for each individual driver using factors like zip code, driving history and your age. To find the cheapest policy possible, shop around and compare quotes from at least three insurance companies.

Read on to find out how auto insurance companies in Fort Worth stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

To find the cheapest companies in Fort Worth, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Fort Worth driving a 2019 Toyota Camry L.

Cheapest car insurance companies in Fort Worth

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Fort Worth, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

CompanyRateNerdWallet Rating
State Farm$1,422
NerdWallet rating 

5.0

/5
Republic Group$1,433Not yet rated
Texas Farm Bureau$1,574
NerdWallet rating 

3.5

/5
Auto Club of SoCal$1,625Not yet rated
Germania$1,879Not yet rated
Geico$2,004
NerdWallet rating 

4.5

/5
Nationwide$2,204
NerdWallet rating 

5.0

/5
Encompass$2,362
NerdWallet rating 

4.0

/5
Chubb$2,370
NerdWallet rating 

4.0

/5
Allstate$2,695
NerdWallet rating 

4.5

/5

If you’re looking for cheap car insurance in Fort Worth, Texas, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Fort Worth — or anywhere.

Average car insurance cost in Fort Worth and Texas

Rates across Texas differ from those in Fort Worth for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Texas is $2,398, while in Fort Worth, it's $2,459.

Average city rateAverage state rate
$2,459$2,398

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Average cost of car insurance in Fort Worth’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Fort Worth and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP CodeAverage Rate
76179$2,530
76137$2,373
76133$2,432
76116$2,385
76119$2,510
76131$2,395
76108$2,309
76112$2,435
76123$2,434
76106$2,552

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Cheap car insurance in Fort Worth by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Fort Worth for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Fort Worth pay, on average.

CompanyRateNerdWallet Rating
Texas Farm Bureau$2,418
NerdWallet rating 

3.5

/5
Auto Club of SoCal$3,066Not yet rated
Germania$3,471Not yet rated
Geico$3,530
NerdWallet rating 

4.5

/5
State Farm$3,549
NerdWallet rating 

5.0

/5
Republic Group$4,086Not yet rated
Encompass$4,417
NerdWallet rating 

4.0

/5
Dairyland$5,100
NerdWallet rating 

3.5

/5
Chubb$5,256
NerdWallet rating 

4.0

/5
Nationwide$5,517
NerdWallet rating 

5.0

/5

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Fort Worth, according to NerdWallet’s analysis.

CompanyRateNerdWallet Rating
State Farm$1,422
NerdWallet rating 

5.0

/5
Republic Group$1,433Not yet rated
Texas Farm Bureau$1,574
NerdWallet rating 

3.5

/5
Auto Club of SoCal$1,625Not yet rated
Germania$1,879Not yet rated
Geico$2,004
NerdWallet rating 

4.5

/5
Nationwide$2,204
NerdWallet rating 

5.0

/5
Encompass$2,362
NerdWallet rating 

4.0

/5
Chubb$2,370
NerdWallet rating 

4.0

/5
Allstate$2,695
NerdWallet rating 

4.5

/5

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Fort Worth, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Republic Group$1,227Not yet rated
State Farm$1,306
NerdWallet rating 

5.0

/5
Texas Farm Bureau$1,308
NerdWallet rating 

3.5

/5
Auto Club of SoCal$1,507Not yet rated
Germania$1,615Not yet rated
Nationwide$1,714
NerdWallet rating 

5.0

/5
Geico$1,799
NerdWallet rating 

4.5

/5
Chubb$1,982
NerdWallet rating 

4.0

/5
MetLife$2,128
NerdWallet rating 

4.5

/5
Encompass$2,144
NerdWallet rating 

4.0

/5

Fort Worth’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Fort Worth by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Fort Worth according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
State Farm$1,422
NerdWallet rating 

5.0

/5
Republic Group$1,433Not yet rated
Texas Farm Bureau$1,574
NerdWallet rating 

3.5

/5
Auto Club of SoCal$1,625Not yet rated
Germania$1,879Not yet rated
Geico$2,004
NerdWallet rating 

4.5

/5
Nationwide$2,204
NerdWallet rating 

5.0

/5
Encompass$2,362
NerdWallet rating 

4.0

/5
Chubb$2,370
NerdWallet rating 

4.0

/5
Allstate$2,695
NerdWallet rating 

4.5

/5

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Fort Worth according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
Republic Group$1,815Not yet rated
State Farm$2,192
NerdWallet rating 

5.0

/5
Auto Club of SoCal$2,534Not yet rated
Geico$2,765
NerdWallet rating 

4.5

/5
Dairyland$2,976
NerdWallet rating 

3.5

/5
Progressive$3,359
NerdWallet rating 

5.0

/5
Germania$3,819Not yet rated
Allstate$4,066
NerdWallet rating 

4.5

/5
Encompass$4,145
NerdWallet rating 

4.0

/5
Nationwide$4,374
NerdWallet rating 

5.0

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Fort Worth, according to NerdWallet’s most recent analysis.

CompanyRateNerdWallet Rating
State Farm$1,755
NerdWallet rating 

5.0

/5
Republic Group$2,061Not yet rated
Germania$2,369Not yet rated
Auto Club of SoCal$2,518Not yet rated
Texas Farm Bureau$2,526
NerdWallet rating 

3.5

/5
Geico$3,028
NerdWallet rating 

4.5

/5
Nationwide$3,414
NerdWallet rating 

5.0

/5
Chubb$3,474
NerdWallet rating 

4.0

/5
Encompass$3,690
NerdWallet rating 

4.0

/5
Dairyland$3,975
NerdWallet rating 

3.5

/5

Minimum car insurance requirements in Texas

Texas requires drivers to carry a minimum amount of car insurance coverage, which is $30,000 in bodily injury liability per person and $60,000 per accident, plus $25,000 in property damage liability per accident. While buying just the minimum coverage limits may get you the cheapest car insurance in Fort Worth, it might not be enough. If you’re frequently on the road, have a history of traffic violations or simply want more extensive coverage, higher limits may provide greater financial protection.