For drivers in Fort Worth, one of the more important things that determine car insurance rates is your address in Fort Worth. Areas with high crime rates or more dense population tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The table below ranks the most expensive cities in Texas to buy an auto insurance policy in. Fort Worth ranks #16 with a yearly premium of $1,670 for the average policy, which is around $139 per month.
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Price information shown is estimated as the specific Fort Worth residence address can alter rates substantially.
Now that we understand where Fort Worth ranks for price, comparing quotes for affordable auto insurance is not the easiest thing to accomplish, and finding out which companies offer the best car insurance rates in Fort Worth may require a little more work.
Each auto insurer has their own process to set policy rates, so we’ll take a look at the car insurance companies with the overall cheapest rates in Texas. We do need to point out that Fort Worth, TX car insurance rates are determined by lots of factors that can increase your annual premium. Simply improving your credit score, increasing deductibles, or getting into an accident can trigger changes in premium resulting in some rates now being higher when they were quite affordable.
Find Cheaper Auto Insurance in Fort Worth
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
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Travelers offers some of the best car insurance rates in Fort Worth at around $1,010 each year. This is $894 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the cheaper Fort Worth, TX auto insurance companies.
In the above rates, if you are a customer of USAA and switched to Travelers, you may see an annual savings of in the neighborhood of $118. Drivers with Texas Farm Bureau could save as much as $201 a year, and Germania Mutual insureds might cut rates by $246 a year.
It’s important to note that these rates are averages across all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location in Fort Worth. So the car insurance company that fits your needs best may not even be in the top 23 companies shown above. That affirms the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.
The car, truck, or SUV that is being insured is probably the most important factor in finding the lowest-priced coverage in Fort Worth. Vehicles with lower acceleration and performance, a plethora of safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models.
The next table outlines car insurance costs for a selection of the most affordable automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$783|
|Ford Escape XLS 4WD||$867|
|Honda Civic DX 4-Dr Sedan||$884|
|Toyota RAV4 Sport 4WD||$901|
|Chevrolet Malibu LS||$906|
|Chevrolet Impala LT||$901|
|Dodge Ram Quad Cab ST 2WD||$918|
|Hyundai Elantra Blue 4-Dr Sedan||$931|
|Honda Odyssey EX-L||$949|
|Honda Accord EX-L 4-Dr Sedan||$958|
|Nissan Rogue S AWD||$964|
|Jeep Grand Cherokee Limited 4WD||$968|
|Volkswagen Jetta SE 4-Dr Sedan||$978|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$968|
|Dodge Grand Caravan CV||$970|
|Ford Explorer XLT 4WD||$976|
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium amounts do not factor in vehicle garaging location which can change price quotes noticeably.
Looking at the numbers, you can presume that vehicles like the Honda CR-V, Ford Escape, Honda Civic, and Toyota RAV4 will definitely be some of the cheapest vehicles to insure for drivers in Fort Worth.
Full coverage versus liability-only
Buying cheaper car insurance is the goal of most vehicle owners, and one of the easiest ways to save on the cost of insurance in Fort Worth is to only buy liability insurance. The example below illustrates the comparison of annual premium costs with liability coverage only compared to full coverage. The premiums are based on no claims, a clean driving record, $100 deductibles, single status, and no discounts are applied to the premium.
If all age groups are averaged, full coverage costs an additional $2,922 per year more than carrying just liability coverage. At some point, almost every driver questions when is it a good idea to stop buying full coverage. There isn’t a steadfast formula that is best for determining when to drop physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
The auto insurance agents in Fort Worth shown below can probably provide answers to your questions and help you determine which coverages are best, since some people have coverage questions and would like to get help from a professional when shopping for cheaper insurance in Fort Worth. It’s not always simple to do it yourself, and using a licensed agent can give satisfaction knowing your coverage gives you adequate protection in case of an accident or claim. To locate an agency close to you, click the button at the bottom.
Allstate Insurance: Nicki Knowlton
5318 Birchman Ave – Fort Worth, TX 76107 – (817) 737-7555
Judy Samuel – State Farm Insurance Agent
501 Carroll St #650 – Fort Worth, TX 76107 – (817) 810-0143
Hemphill Insurance Agency
3121 Hemphill St – Fort Worth, TX 76110 – (817) 923-2001
Kilpatrick Insurance Agency
2410 Montgomery St – Fort Worth, TX 76107 – (817) 731-8771
Linda Allen – State Farm Insurance Agent
5328 Boat Club Rd – Fort Worth, TX 76135 – (817) 236-7200
How to find low-cost insurance in Fort Worth
Below you’ll find some thrifty ideas that can help you find low-cost coverage.
- Raise physical damage deductibles
- Better credit scores save money
- Prevent rate increases by staying accident-free
- Safe vehicles cost less to insure
- Do not get tickets or violations
- Do not pay for full coverage if not needed
- Check for cheaper rates once a year
The last tip is remarkably valuable, as was discussed in this piece. Coverage rates change constantly, so don’t be hesitant to buy a policy from a new company if a more affordable price is available. Staying with the same car insurance company is fine, but it’s not a great idea if that faithfulness ends up costing you money that could be used for better things. In less than five minutes you could compare prices and find cheaper insurance in Fort Worth in Fort Worth.