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How much is car insurance in Fort Worth?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $4 a month cheaper to insure your vehicle in Fort Worth than it is in the rest of Texas.
Compared to the rest of the country, auto insurance in Fort Worth is more affordable. On average, it's about $20 less to insure your vehicle in Fort Worth than it is in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for residents of FORT WORTH, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down average rates for Fort Worth residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in Fort Worth.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Fort Worth, this difference shakes out to about $4 a month. Looking at the table above, you can see that female drivers pay around $58 on average, while male drivers typically pay $62 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Fort Worth, having a single accident on your record will usually get you rates around $72 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $92.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$56|
In Fort Worth, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $57 per month for auto insurance.
Car owners can expect to pay an average of around $61 a month for their policy, while SUVs usually cost around $58 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Overall, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Fort Worth, for example, are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
On average, married policyholders will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Fort Worth, the difference in rates based on relationship status can be as much as $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $8 a month more than homeowners in Fort Worth. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Fort Worth, TX
Recent trends in car insurance for Fort Worth drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of auto insurance in Fort Worth have been mixed as of late, it increased in 2016, decreased in 2018, and rose again in 2020, before finishing at $68 in 2021.
How does Fort Worth compare to neighboring areas?
Why are car insurance rates in Fort Worth different from other areas?
Car insurance companies look at many factors when they're deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Regional laws
- Number of drivers in the area
- Road Safety (total number of local car accidents)
- Access to off-street parking
- Crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Fort Worth?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Fort Worth.
Fort Worth Insurance FAQs
What factors affect car insurance quotes in Fort Worth?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Fort Worth different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Fort Worth?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Fort Worth?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Fort Worth or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?