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How much is car insurance in Fort Worth?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Fort Worth are on par with what you would pay anywhere else in Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Fort Worth is rather affordable. You can expect to pay about $18 less for your policy in Fort Worth than in the rest of United States.
Keep in mind that while these are the average car insurance rates for Fort Worth, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car 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.
We've done the heavy lifting for you and broken down the average rate for Fort Worth so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Fort Worth Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay $51 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates start to rise again in Fort Worth.
Fort Worth Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Fort Worth, the difference is around $4 per month. As illustrated in the table above, female drivers in the area pay about $60 on average, while male drivers pay around $64 each month.
Fort Worth Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. The rate for drivers in Fort Worth with a single accident on their record is about $76 a month. Likewise, drivers with one ticket will be looking at a rate of around $75 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Fort Worth Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$58|
As you can see in the first table above, the cheapest vehicles to insure in Fort Worth are usually trucks and vans, which run about $58 per month.
Car owners can expect to pay an average of around $64 a month for their policy, while SUVs usually cost around $59 a month to insure.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Fort Worth, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Fort Worth Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
More often than not, those who are currently married 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.
The cost of auto insurance in Fort Worth reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $14 a month.
Fort Worth Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $9 a month more than drivers who own property in Fort Worth. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Fort Worth, TX
Recent trends in car insurance for Fort Worth drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for auto insurance in Fort Worth dropped from 2017-2019, when they hit a low of $56. This changed in 2020, when insurance rates started to rise. They reached a high of $75 in 2021, and finished down in 2022, at $63 a month.
How does Fort Worth compare to neighboring areas?
Why are car insurance rates in Fort Worth different from other areas?
Car insurance companies will take into account many factors when 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:
- Number of drivers
- Road Safety (frequency of car accidents)
- Crime rates
- Area laws
- Off-street parking accessibility
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Fort Worth?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Fort Worth in no time.
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Fort Worth Auto Insurance FAQs
What factors affect car insurance quotes in Fort Worth?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Fort Worth different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Fort Worth?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Fort Worth?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Fort Worth or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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