Finding out which insurers offer the lowest-priced insurance rates for hybrid vehicles will take a tad more effort than just quoting one company’s rates. Every car insurance company uses a different method to determine premium rates, so let’s examine the insurance companies with the overall cheapest rates in Fort Worth.
It’s a good idea to be aware that Fort Worth insurance rates are impacted by many factors that control the price you have to pay. Turning one year older, buying a home instead of renting, or getting a driving violation may cause policy rate changes that can cause some rates to be more affordable than before.
Find the Cheapest Car Insurance for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,565 |
| 11 | Allstate | $1,667 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,092 |
| 16 | MetLife | $2,249 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,594 |
| Find Your Rate Go | ||
Travelers may offer some of the best car insurance rates in Fort Worth at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the most economical Fort Worth, TX auto insurance companies.
As depicted above, if you are insured with Texas Farm Bureau and switched to Travelers, you might achieve an annual premium reduction of about $201. Customers with Germania Mutual could save as much as $246 a year, and Esurance policyholders might cut rates by $369 a year.
Be aware that those policy rates are averages across all types of insureds and vehicles and do not factor in an exact zip code location for hybrid vehicles. So the insurer that can offer you the lowest price may not even be in the top 23 companies shown above. That is why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
For hybrids, one of the big criteria that aid in calculating insurance cost is where you live in Fort Worth. Regions with more people or even just more weather-related claims likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.
The table below rates the most expensive areas in Texas for hybrid vehicles to buy an auto insurance policy in. Fort Worth ranks #17 with an annual cost of $1,653 for car insurance, which is about $138 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,911 |
| 4 | Amarillo | $1,858 |
| 5 | Garland | $1,850 |
| 6 | Houston | $1,835 |
| 7 | Laredo | $1,833 |
| 8 | Grand Prairie | $1,811 |
| 9 | Mesquite | $1,807 |
| 10 | Pasadena | $1,740 |
| 11 | Beaumont | $1,720 |
| 12 | Irving | $1,719 |
| 13 | Austin | $1,676 |
| 14 | San Antonio | $1,671 |
| 15 | Lubbock | $1,665 |
| 16 | Arlington | $1,658 |
| 17 | Fort Worth | $1,653 |
| 18 | Carrollton | $1,647 |
| 19 | Corpus Christi | $1,636 |
| 20 | El Paso | $1,632 |
| Quote Best Rates Go | ||
Rates are approximated as the specific area where the vehicle is garaged can raise or lower price quotes noticeably.
The make and model of vehicle driven is one of the primary factors that determines whether or not you find economical coverage for hybrid vehicles. Vehicles with high performance engines, poor crash test ratings, or a track record of large liability claims will cost more to insure than safer, lower-performance models.
The list below illustrates coverage rates for a selection of the more affordable automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,022 |
| Ford Escape XLT 4WD | $1,046 |
| Honda Odyssey EX W/Rear Entertainment | $1,087 |
| Chevrolet Malibu Hybrid | $1,109 |
| Toyota Tacoma Double Cab 4WD | $1,129 |
| Ford F-150 STX Super Cab 4WD | $1,168 |
| Toyota Prius | $1,170 |
| Dodge Grand Caravan SE | $1,187 |
| Jeep Grand Cherokee Limited 2WD | $1,197 |
| Chevrolet Impala LT | $1,209 |
| Ford Edge SE AWD | $1,216 |
| Ford Explorer Limited 2WD | $1,233 |
| Toyota RAV4 4WD | $1,244 |
| Ford Fusion S 4-Dr Sedan | $1,250 |
| Chevrolet Equinox LT 2WD | $1,244 |
| Find Cheaper Rates Go | |
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price information does not factor in specific location information which can alter prices greatly.
Based on these rates, you can assume that makes and models like the Honda CR-V, Ford Escape, Honda Odyssey, Chevrolet Malibu, and Toyota Tacoma will definitely be the cheapest vehicles to insure for hybrids.
Selecting a high-quality insurance company is difficult considering how many companies provide coverage in Texas. The information shown next may help you select which providers to look at when trying to find the cheapest insurance for hybrid vehicles. The ratings below are for the largest companies in the United States, so smaller companies are not taken into consideration for this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The illustration below highlights how deductible selection can influence insurance costs when trying to find cheap insurance for hybrid vehicles. The costs are based on a married male driver, comp and collision included, and no policy discounts are applied.
In the chart above, a 30-year-old driver could lower rates by $294 a year by changing from a $100 deductible to a $500 deductible, or save $446 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 category, could drop their prices as much as $884 or even more just by using higher deductibles.
If you do decide to increase your deductibles, it will be important to have additional funds in a savings account to cover the extra out-of-pocket expense associated with higher deductibles.
Don’t make the mistake of not shopping around
Fort Worth, TX insurance rates are determined by lots of factors that can increase the price you have to pay. Simply having a birthday, adding a teenager to your policy, or getting caught speeding may generate price changes that can make some companies more affordable than others.
Not only that, but car insurance companies file new Texas auto insurance rates every year or even multiple times each year in order to protect their financial rating. Significantly higher losses can cause high rates, while a profitable period may produce cheaper Fort Worth car insurance rates.
For example, the data below shows which company has the cheapest car insurance in Fort Worth, TX for a 30-year-old male driver with no accidents or violations, and excellent credit. When quoting prices based on his current rating profile, Travelers quotes the best car insurance rates in Fort Worth at $1,112 a year. This is $792 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the most affordable Fort Worth, TX auto insurance companies.
Now let’s give the driver from the first rate comparison a claim, a lower credit rating, and a traffic citation. Because each insurer uses their own formula for filing rates in each state, analyzing rates could result in a substantially altered list of companies as shown below.
State Farm now has the lowest price on auto insurance in Fort Worth, TX with Mercury, USAA, Safe Auto, and Nationwide also having competitive pricing. This illustrates why consumers need to take the time to shop around with many companies when trying to find the most affordable auto insurance quotes for hybrid vehicles. Auto insurance prices consist of many risk factors and can decrease or increase without notice, so the cheapest rate the last time you shopped your coverage around may now cost much more than other companies.
The insurance agencies listed below can probably answer your questions and help you decide which insurance coverage will be best for you, since some people have coverage questions and would like to get some guidance when trying to find the best insurance rates for hybrid vehicles. It can be hard to find the cheapest car insurance policy, and professional agents can give you satisfaction knowing your policy gives you enough coverage if you have a claim. To locate an agency close to where you live, click the button following the list.
- Bradley Insurance
1415 Summit Ave – Fort Worth, TX 76102 – (817) 332-4064 - Kathleen Alexander – State Farm Insurance Agent
5336 Wedgmont Cir N – Fort Worth, TX 76133 – (817) 292-6006 - Nationwide Insurance – Curtis Logan Agency
4500 Mercantile Plaza Dr #300 – Fort Worth, TX 76137 – (214) 302-7148 - Allstate Insurance: Nicki Knowlton
5318 Birchman Ave – Fort Worth, TX 76107 – (817) 737-7555
View more Fort Worth, TX insurance agents
How to find the cheapest auto insurance for hybrid vehicles
Below you’ll find some penny-pinching suggestions that can help Fort Worth drivers buy cheaper coverage.
- At-fault accidents will increase rates
- Buy your homeowners policy from the same company as your auto insurance
- Increase the comprehensive and collision deductibles on your policy
- Pay less by remaining claim-free
- Save money by observing traffic laws and speed limits
- Higher credit scores may earn you cheaper rates
- Compare rates and switch if you can find a better deal
The last suggestion is particularly vital, as was discussed in this article. Auto insurance rates change frequently, so you should be ready to switch carriers if you can find a cheaper rate.
Having brand loyalty is commendable, but it’s not a good idea if that stubbornness costs you lots of hard earned cash every month. Now is a great time to compare prices to find cheaper insurance for hybrid vehicles in Fort Worth.