Gianetta PalmerAndrew Hurst


Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

 & Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.


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The average cost for full coverage car insurance in Fort Worth, Texas is $1,910 per year. Car insurance rates depend on many factors, such as your age, location, and driving record. If your driving history is filled with speeding tickets and other moving violations, the amount you pay for car insurance will be substantially higher than for someone with a clean record. Live in a neighborhood with a high crime rate, and your rates will be even higher.

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That’s why comparing quotes is so important — it’s the best way to find affordable coverage. Policygenius can help you see quotes from top companies.

Key Takeaways

  • Fort Worth drivers insured with Texas Farm Bureau Insurance pay the lowest rates at $1,123 per year for full coverage.

  • Drivers in Fort Worth who live southwest of the Texas Motor Speedway pay the cheapest average car insurance rates in the area.

  • Texas minimum insurance requirements are $30,000 per person/$60,000 per accident in bodily injury liability and $25,000 in property damage liability per accident.

Cheapest car insurance companies in Fort Worth, TX

Have you ever wondered why some drivers pay less for car insurance than other drivers? Insurance companies use the same information when establishing car insurance rates, but how your data is used varies by company. That’s why you can apply for coverage with five different companies and see five different prices.

Below are the cheapest car insurance rates by company in Fort Worth.


Average cost

JD Power Rating

Texas Farm Bureau



State Farm



Germania Insurance









Cheapest car insurance rates by ZIP code in Fort Worth, TX

Where you live is an important factor when it comes to determining the cost of your car insurance. Crime statistics, the number of accidents, and access to secure parking all affect car insurance rates in a given neighborhood.

The table below shows rates by ZIP code in Fort Worth.

ZIP code

Average cost

















Choosing the right car insurance company in Fort Worth, TX

With so many insurance companies to choose from, it can be overwhelming to try and pick the right one. Customer service is important, but so is not raising your rates after an accident. And you need to be sure you’re getting the right amount of coverage.

Policygenius can help you see quotes from the best companies in the industry. Comparing rates and policies is the best way to make sure you’re getting the coverage you need at the right price.

Car insurance rates for drivers with driving violations in Fort Worth, TX

If you’re one of the lucky drivers who has never gotten a speeding ticket or another moving violation, then you’re probably paying much less for car insurance than those with a blemish on their record. This is because insurance companies use your driving record to establish the cost of your car insurance, and more infractions usually means higher rates.

The table below shows the average car insurance rates for Fort Worth drivers with speeding citations or other driving violations on their record.


Texas Farm Bureau

State Farm

Germania Insurance



At-fault accident












Suspended license






Open container






Expired registration






Driving without lights






Not showing documents






Running a red light






Cheapest car insurance for drivers with bad credit in Fort Worth, TX

Insurance companies consider drivers with a low credit score at greater risk of filing a claim. Not all states allow insurance companies to use credit history as a determining factor when setting rates, but it’s legal to do so in Texas. So one of the best ways to avoid paying more for car insurance is paying your bills on time and working to improve your credit score. 

The table below shows the cheapest car insurance rates in Fort Worth for drivers with a low credit score.


Rates for drivers with bad credit

Redpoint County Mutual


State Farm


Germania Insurance


Auto Club Group




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Buying car insurance in Fort Worth, TX

The minimum liability car insurance requirements in Texas are:

  • Bodily injury liability coverage per person: $30,000

  • Bodily injury liability coverage per incident: $60,000

  • Property damage liability coverage: $25,000

  • Continuous coverage on a vehicle even if it is inoperable or not being driven.

  • Insurance must be issued by a company licensed by the Texas Department of Insurance.

If you want more than just the state minimum requirements in Fort Worth, there are additional coverages available to purchase:

  • Comprehensive insurance: This coverage typically covers damage from things like fire, theft, and falling objects.

  • Collision insurance: This coverage pays for damage to your car if you crash into another car or object

  • Uninsured/underinsured motorist insurance: This coverage typically covers the costs if you’re hit by an uninsured driver or by someone who doesn’t have enough insurance to pay your medical and car repair bills.

  • Medical Payments Coverage: This coverage can pay for medical bills for you and your passengers if you’re injured in a car accident

Texas is a fault state when it comes to accidents, which means if you cause a wreck, you are responsible for paying for any damage or injuries to the other driver. 

The state also follows a modified comparative fault rule when more than one party is to blame for an accident. If the case goes to trial, the jury will decide the degree of fault and award damages accordingly. If you’re found to be more than 50 percent responsible for the accident, you won’t receive any money due to the modified rule.

How to get cheap car insurance in Fort Worth, TX

Fort Worth drivers can pay a lot for car insurance. But many companies offer customers discounts as a way to save. Here are some of the most common:

  • Multi-Line discount: For bundling home and car insurance with the same company

  • Military discount: For active-duty service members and their families

  • Safe driver discount: For drivers who take a defensive driving course or maintain a good driving record

  • Good student discount: For full-time high school and college students who maintain a B average or better

Not every driver will qualify for these discounts, so be sure and ask your provider about other ways to lower the cost of your insurance premiums.

Frequently asked questions

What is the cheapest car insurance in Fort Worth, Texas?

Texas Farm Bureau has the cheapest car insurance for most drivers in Fort Worth, Texas. Drivers may also find affordable auto coverage from State Farm and GEICO, depending on their records.

What does car insurance in Fort Worth, Texas, cost?

On average, the cost of car insurance in Fort Worth, Texas, is $159 per month. This means that the cost of auto insurance is more expensive in Fort Worth than the average in Texas.

Is car insurance required in Fort Worth, Texas?

Yes, like most states Texas requires drivers to carry a minimum amount of car insurance. In Fort Worth, you must get at least $30,000 of bodily injury liability coverage per person, $60,000 per accident, and $25,000 of property damage liability.

What happens if you drive uninsured in Fort Worth, Texas?

You could face fines and a suspended license if you're caught driving your car without insurance in Fort Worth, Texas. Drivers would also have to pay a fee to reinstate their license. The cost of someone's insurance premiums would also get more expensive after they're caught driving uninsured.


Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.