Best cheap car insurance in Fort Worth for 2025

The best car insurance companies in Fort Worth

Bankrate's insurance editorial team uses average premium data sourced from Quadrant Information Services to determine the insurers that are writing the best cheap Fort Worth car insurance. Price is only one factor when looking for insurance, so we also considered customer satisfaction rankings, available coverage options and discounts and financial stability in our search for the top Texas carriers.

The cheapest car insurance companies in Fort Worth

Finding cheap coverage is a personalized experience, as car insurance companies all rate risk factors differently. That said, requesting quotes from carriers that offer low average rates may be a good starting point in your shopping journey. The following carriers offer the lowest average rates in the city specifically for minimum coverage policies.

How much is car insurance in Fort Worth, Texas?

Fort Worth drivers pay an average of $2,604 for full coverage car insurance and $740 for state-mandated minimum coverage. For comparison, the Texas state averages are $2,608 for full coverage and $739 for minimum coverage. Car insurance in cities is often higher than average due in part to the increased potential for accidents on congested urban roadways.

Fort Worth rates for teens

Teen insurance rates are some of the highest of any age range, because teens have less experience behind the wheel and thus have a statistically higher chance of being involved in an accident. Many insurers offer teen-focused discounts that can help lower your rate, including discounts for good students or for students away at college.

Fort Worth rates for young drivers

As drivers enter their twenties, their rates may start to decrease, as long as they maintain a good driving record. If young drivers still live at home, they may be able to stay on their parents' policy, which could save money.

Fort Worth rates for adults

As adult drivers age, their rates tend to continue to decrease until they are roughly 70 years old, with drivers in their 50s and 60s paying some of the lowest average rates. Your driving record, however, remains a primary factor in determining your rate, along with other considerations such as the age, make and model of your car and the ZIP code where you live. The companies in the tables below may be good choices for adult drivers looking for inexpensive coverage.

Fort Worth rates for senior drivers

Senior drivers may see a reduction in their reaction speeds or may experience hearing or vision loss that could lead to an increased number of accidents. Because of these risks, insurers tend to increase rates again as drivers enter their senior years. Some carriers offer discounts for senior drivers, often awarded when the drivers take a defensive driving course geared toward their age group.

The cheapest car insurance in Fort Worth by driving record

Insurers are in the business of risk. Drivers who have demonstrated that they are at a higher risk of having an accident are likely to pay more for their coverage. Any moving infractions may result in an increase in your rate, although an accident forgiveness endorsement may mitigate the outcome of a single claim. Speeding tickets, accidents and DUIs are all likely, however, to result in a boost to your premium cost.

Car insurance with a speeding ticket in Fort Worth

Drivers with a speeding ticket in Fort Worth pay average full coverage car insurance rates 12 percent more than those for drivers with clean records. This is in addition to any civil fines or other penalties that you accrue with your ticket. Multiple tickets may lead to even higher premium rates.

Car insurance after an accident in Fort Worth

Any accident—even if you are not at fault—can increase your insurance rate. If you are involved in an at-fault accident, full coverage rates are 56 percent more, on average, than rates for drivers with clean records. The higher rate may apply for several years before it drops off your record, depending on your insurer's policies.

Car insurance after a DUI in Fort Worth

DUIs are considered serious infractions by car insurance companies. There are some insurers that will not work with drivers who have a DUI on their license.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2024 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• • Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.