Fort Worth, TX Car Insurance

Residents of Fort Worth pay around $62 monthly for their car insurance coverage. Read our guide below to learn more about your specific rates.
Are rates in Fort Worth higher or lower than those in neighboring areas? How do they compare to the rest of Texas? How much can residents of Fort Worth expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Fort Worth?

Area Average Monthly Car Insurance Premium
Fort Worth$62
TX$65
United States$81

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.

If you're thinking of moving to Fort Worth from out of state, you may still be in luck. You can expect to pay about $19 less for your policy in Fort Worth than in the rest of United States.

These rates may be the average amount drivers in Fort Worth pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

Don't worry, we've done the work for you and broken down the average rates for Fort Worth to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$179
18-24$100
25-34$58
35-44$55
45-54Not Enough Data
55-64$46
65+$49

It makes sense that the older you are, the more experience you have driving, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Fort Worth drivers may see their rates creep back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$64
Female$60

In general, women pay slightly less for car insurance than men. The difference in average rates in Fort Worth totals about $4 per month. As you can see in the table above, female drivers in the area typically pay $60 on average, while female drivers typically pay $64 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$76
Multiple Accidents$89
1 Ticket$74
Multiple Tickets$88

Depending on your driving record, your rates can vary quite a lot. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Fort Worth, a driving record with a single accident will usually get you a rate around $76 a month. In addition, drivers with a single ticket on their record can expect to pay around $74 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$62
2-3 Years$60
4-5 Years$61
6-7 Years$63
8-10 Years$65
11-14 Years$64
15 Years or Older$58

In Fort Worth, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $58 per month for auto insurance.

Car owners will see a monthly premium of about $64, while SUV owners typically pay around $59 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Fort Worth, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$67
Married$53
Divorced$51
Widowed$50

Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

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
Own$53
Rent$63
Live with parents$88

Your housing situation is another factor that affects your monthly rate. In Fort Worth, homeowners can expect to pay around $10 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

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 shopping for coverage.

The rates for auto insurance in Fort Worth declined from 2017-2019, when they hit a low of $56. This shifted in 2020, when insurance rates started to rise. They reached a high of $75 in 2021, and finished down in 2022, at $60 per 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 a number of factors when deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Availability of off-street parking
  • Community laws
  • Local crime rates
  • Total amount of drivers in the community
  • Road safety

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 learn more.

How can I find the cheapest car insurance in Fort Worth?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering policies in Fort Worth.

Compare the cheapest quotes from dozens of insurance companies

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 gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Fort Worth different from other neighboring cities?

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Fort Worth?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Fort Worth?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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, 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.

Find your best rate in just a few minutes