Who Has the Cheapest Auto Insurance Rates for Drivers with Good Credit in Fort Worth?

Wouldn’t it be so easy if we could tell you instantly the exact company that has the lowest car insurance rates for drivers with good credit? Unfortunately, it’s not that simple as there are a whole bunch of unknowns such as where you live, the amount of liability insurance you need, and if you are married, that all influence how much you pay for auto insurance. We will attempt to cover the different ways you can keep rates low and will give you a jump start in finding the best auto insurance in Fort Worth.

The type of vehicle requiring insurance is a significant factor when comparing the best cheap insurance for drivers with good credit. Vehicles with lots of horsepower, poor safety features, or a high likelihood of having liability claims will cost more to insure than more economical and safe models.

The next table ranks auto insurance rates for the more affordable vehicles to insure in Texas.

Cheapest Vehicles to Insure in Fort Worth, TX
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $932
Jeep Wrangler Sport 4WD 2-Dr $1,052
Ford Escape XLS 4WD $1,054
Toyota RAV4 Sport 4WD $1,109
Toyota Tacoma Double Cab 4WD $1,128
Hyundai Elantra SE Touring Station Wagon $1,141
Volkswagen Jetta S 2.5 Station Wagon $1,150
Ford F-150 STX Regular Cab 4WD $1,143
Ford Explorer XLT AWD $1,153
Ford Focus SEL 4-Dr Sedan $1,146
Honda Odyssey EX-L W/Rear Entertainment $1,167
Toyota Prius $1,170
Ford Edge Limited 2WD $1,185
Chevrolet Silverado LT Extended Cab 2WD $1,187
Jeep Grand Cherokee Limited 2WD $1,197
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in vehicle garaging location which can alter insurance rates substantially.

Based upon the rates shown, cars like the Honda CR-V, Jeep Wrangler, Ford Escape, and Toyota RAV4 will definitely be some of the most affordable vehicles to insure for financially responsible drivers.

Finding out which companies offer the cheapest car insurance rates for drivers with good credit may require a little more sweat than just comparing a company or two.

Every auto insurer uses a slightly different approach to set their prices, so let’s take a look at the most budget-friendly car insurance companies in Fort Worth, TX.

Find the Cheapest Car Insurance for High Credit

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Cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,117
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,282
5 Esurance $1,365
6 California Casualty $1,382
7 State Farm $1,510
8 Mercury $1,521
9 Safe Auto $1,549
10 Nationwide $1,585
11 Progressive $1,664
12 Allstate $1,667
13 Amica $1,723
14 Home State $2,092
15 GEICO $2,135
16 Unitrin $2,241
17 MetLife $2,249
18 Encompass $2,255
19 21st Century $2,396
20 Titan $2,568
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Travelers has some of the cheapest car insurance rates in Fort Worth at around $1,041 a year. This is $863 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 cheapest Fort Worth, TX car insurance companies.

In the rate table above, if you are currently insured with Esurance and switched to USAA, you could see a yearly savings of approximately $248. Insureds with California Casualty may save as much as $265 a year, and State Farm customers might see rate reductions of $393 a year.

Bear in mind that those premium estimates are averaged across all insureds and vehicles and are not factoring in an exact location for drivers with good credit. So the car insurance company that can offer you the best price may not even be in the list above. That emphasizes why you need to get rate quotes using your own driver and vehicle profiles.

The information below illustrates how choosing a deductible can raise or lower insurance prices when searching for cheap insurance for drivers with good credit. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

As shown above, a 40-year-old driver could cut expenses by $302 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $456 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could roll back prices as much as $766 or even more just by using higher deductibles. When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have additional funds in a savings account to be able to cover the extra out-of-pocket expense that comes with higher deductibles.

Tickets and at-fault accidents raise rates

In a perfect world, the best way to maintain the most affordable car insurance prices in Texas for financially responsible drivers is to be a good driver and avoid tickets and accidents. The diagram below shows how speeding tickets and accident claims can increase auto insurance rates for different age categories. The premiums are based on a married male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

In the example above, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,035. Get written up for two speeding tickets and the average cost hikes up to $2,805, an increase of $771 each year. Then add one accident along with the two speeding tickets and the yearly cost of car insurance for drivers with good credit increases to an average of $3,596. That’s an increase of $1,561, or $130 per month, just for not driving carefully!

If you wish to have a consultation when trying to find the best insurance rates for drivers with good credit, the insurance agencies below can probably help you determine which policy fits your needs best. To find a Fort Worth insurance agent by location nearest to you, click the button at the bottom of the list or click here to compare price quotes.

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How to find more affordable auto insurance for drivers with good credit

It’s not impossible to find cheaper rates, and here are some of the better thrifty ideas that can help drivers locate lower-cost coverage.

That last piece of advice is extraordinarily valuable, as we discussed in the article above. Prices charged by auto insurers in Fort Worth change frequently, so drivers shouldn’t be resistant to buy from a new company if you can save money.

Having a favorite company is fine, but it isn’t a good idea if that stubbornness costs you potentially thousands of dollars a year. Now is a great time to shop around to find cheaper car insurance for drivers with good credit.