How to Save Money on Auto Insurance in Fort Worth

How to Save Money on Auto Insurance in Fort Worth

The best way to get discount auto insurance rates is to compare prices at least once a year. Insurance rates can be compared by following these steps.

  1. Try to learn a little about how companies set rates and the measures you can take to prevent high rates. Many factors that drive up the price like at-fault accidents, speeding tickets, and poor credit can be eliminated by making small lifestyle or driving habit changes.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO, Allstate, or State Farm, while agents who are independent can quote prices for a wide range of insurance providers.
  3. Compare the new rate quotes to your existing policy and see if there is a cheaper rate available. If you find a lower price quote, make sure coverage is continuous and does not lapse before cancelling your existing policy.

The key aspect of shopping around is that you use the same amount of coverage on every quote request and and to get prices from as many companies as possible. Doing this helps ensure the most accurate price comparison and the most accurate and complete price analysis.

How Much Does Auto Insurance Cost in Fort Worth?

Due to the fact that insurance companies use complex rating algorithms to set policy prices, every company will have a different price based on many different criteria. The cheapest auto insurance in Fort Worth depends on your personal risk profile like your driving record, credit profile, claim history, and the type of vehicle you drive. Each of these factors plus many more all contribute to determining the price you pay.

Some companies may give a great price to drivers in their 40’s who own a home and have good credit. Others may prefer to insure drivers in their 20’s with a few blemishes on their driving record. The only way to know which company will give you the best price is to compare rates using identical coverage information. This is an easy process and can be started by quoting with the companies listed on this page.

The table below shows rates for a variety of different vehicles in Fort Worth. The rates show annual, semi-annual, and monthly premium amounts and are based on specific criteria. The driver in these examples is a 30-year-old married female with a clean driving record and no prior at-fault accidents. The policy is for full coverage which includes comprehensive and collision insurance, as well as uninsured and underinsured motorists coverage. $500 deductibles apply to any physical damage claims and liability limits are the minimum mandated in Texas of $30,000 of bodily injury coverage per person, $60,000 of bodily injury liability per accident, and $25,000 of properly damage liability protection. Policy discounts include safe driver, multi-policy, multi-car, and homeowner.

Location is a significant factor in determining auto insurance rates, as areas with high theft or vandalism rates or high population density will have higher rates. The rates below do not factor in a specific Fort Worth location, so rates may be higher or lower depending on where you live. The best way to determine accurate rates is to get a rate quote.

If your vehicle is not shown in the table, click here to view detailed insurance buying information for over 400 makes and models.

Car Insurance Rates for Popular Vehicles in Fort Worth, TX
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,222 $611 $102
Chevrolet Silverado LS Regular Cab 2WD $1,122 $561 $94
Dodge Grand Caravan SXT $1,182 $591 $99
Dodge Ram Crew Cab Laramie 4WD $1,422 $711 $119
Ford Escape XLT 4WD $1,002 $501 $84
Ford F-150 XL Crew Cab 2WD $1,082 $541 $90
Ford Focus SE 4-Dr Sedan $1,122 $561 $94
Ford Fusion Hybrid 4-Dr Sedan $1,454 $727 $121
Honda Accord EX 2-Dr Coupe $1,292 $646 $108
Honda CR-V EX-L 4WD $1,002 $501 $84
Honda Civic DX 2-Dr Coupe $1,324 $662 $110
Hyundai Elantra GLS 4-Dr Sedan $1,222 $611 $102
Jeep Wrangler Rubicon 4WD 2-Dr $1,082 $541 $90
Nissan Altima 2.5 S 2-Dr Coupe $1,322 $661 $110
Nissan Rogue SL 2WD $1,222 $611 $102
Toyota Camry XLE $1,222 $611 $102
Toyota Corolla XLE $1,222 $611 $102
Toyota Prius $1,102 $551 $92
Toyota RAV4 Limited 4WD $1,152 $576 $96
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