country farm has the most low-cost minimum coverage car policy for residents of Fort Worth based on our analysis of the top companies in the state. coverage from State Farm costs about $ 598 a year, which breaks down to about $ 50 a calendar month. Fred Loya had the best quotes for full coverage car policy, with premiums costing $ 1,228 per year .
Always be certain to get quotes from more than one insurance company. We found more than a $ 4,000 difference between the cheapest and most expensive insurers for Fort Worth residents .
Cheapest auto insurance in Fort Worth: State Farm
The cheapest minimum-coverage insurance in Fort Worth comes from State Farm, Fred Loya Insurance and Dairyland Insurance. Minimum coverage costs an average of $ 1,006 in Fort Worth, but these three companies charge 26 % less, enabling drivers to save $ 263 per class on average.
Compare Car Insurance Rates in Fort Worth, Texas
presently insured ? While the low price of a minimal coverage policy makes it an attractive option for many drivers, bear in mind that minimum coverage wo n’t protect your own car in an accident. You ‘ll be on the hook for any repairs, which is why we peculiarly recommend full coverage to drivers of new or expensive vehicles .
Cheapest full coverage car insurance in Fort Worth: Fred Loya
Fred Loya Insurance offers the most low-cost full coverage policies to Fort Worth residents. however, State Farm comes in at a close second, costing good $ 6 more each month. Members of the military and their families should contact USAA for a quote, as the company ‘s average rates are just $ 4 more a month than what Fred Loya charges .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | Fred Loya | $1,228 |
| 2 | State Farm | $1,296 |
| 3 | Geico | $2,223 |
| 4 | Nationwide | $2,389 |
| 5 | Chubb | $2,578 |
| 6 | Dairyland | $3,561 |
| 7 | Allstate | $4,340 |
| 8 | MetLife | $5,407 |
| N/A | USAA | $1,275 |
Full coverage ensures that your own car is protected because it includes both collision and comprehensive examination coverages .
- Comprehensive coverage: Pays for any damages that result from events beyond your control, such as vandalism, fire or natural disasters.
- Collision coverage: Pays for repairs to your own car after an accident, regardless of who causes it.
Cheap car insurance for drivers with prior incidents
Insurers set your rates based on the risk you pose. This includes factors like accidents, speeding tickets and DUIs when determining your risk degree. If you have any one of these on your drive record, or if you have a poor citation score, you ‘ll likely be quoted higher rates as a Fort Worth driver .
Cheapest car insurance in Fort Worth after an accident: State Farm
State Farm and Fred Loya Insurance again had the most low-cost rates for Fort Worth drivers with an at-fault accident on their records. It ‘s worth getting quotes from both insurers ; we found less than a dollar difference between them per calendar month. policy rates in Fort Worth increase by 58 % after an at-fault accident. This is because insurers view these kinds of accidents as a augury that you ‘re a riskier driver, and they adjust rates to account for that gamble .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | State Farm | $1,534 |
| 2 | Fred Loya | $1,542 |
| 3 | Geico | $3,454 |
| 4 | Nationwide | $3,690 |
| 5 | Chubb | $4,399 |
| 6 | Dairyland | $4,691 |
| 7 | Allstate | $6,958 |
| 8 | MetLife | $10,146 |
| N/A | USAA | $1,914 |
Cheapest car insurance for drivers with a speeding ticket: Fred Loya
Speeding tickets besides increase the average cost of car insurance in Fort Worth, but only by $ 194 annually. That ‘s far less than the increase after an at-fault accident ( $ 1,559 ) or a DUI ( $ 1,935 ) .
The best rates widely available for drivers with a speeding tag came from Fred Loya Insurance, which charged $ 1,228 annually. The second-best rates came from at-fault accident, which charged $ 1,296 per annum. In fact, neither of these insurers raised rates after a speed ticket. Be sure to get quotes from both companies if you ‘re looking for low-cost indemnity after a accelerate ticket .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | Fred Loya | $1,228 |
| 2 | State Farm | $1,296 |
| 3 | Chubb | $2,578 |
| 4 | Geico | $2,679 |
| 5 | Nationwide | $2,877 |
| 6 | Dairyland | $4,203 |
| 7 | Allstate | $4,340 |
| 8 | MetLife | $5,407 |
| N/A | USAA | $1,439 |
Cheapest car insurance for drivers with a DUI: Fred Loya
State Farm, Fred Loya Insurance and Dairyland Insurance offer the most low-cost insurance to Fort Worth residents who have been caught driving under the charm ( DUI ). A DUI is one of the most serious offenses you can commit behind the rack, as it endangers not only your own life, but the lives of others around you on the road. average rates in Fort Worth go up by 72 %, from $ 2,700 before a DUI to $ 4,635 afterwards .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | State Farm | $2,003 |
| 2 | Fred Loya | $2,094 |
| 3 | Dairyland | $3,578 |
| 4 | Geico | $3,907 |
| 5 | Nationwide | $4,709 |
| 6 | Chubb | $5,583 |
| 7 | Allstate | $6,888 |
| 8 | MetLife | $11,022 |
| N/A | USAA | $1,928 |
Cheapest car insurance for drivers with poor credit: Fred Loya
Fred Loya Insurance offers the best rates for Fort Worth drivers with poor people credit, charging $ 1,228 per class on average. That ‘s 64 % less than the average rate for drivers with poor credit, which is $ 3,373. Your credit mark has nothing to do with your ability to drive safely, but it can impact your car indemnity rates. We found that Fort Worth drivers with average credit rating pay $ 2,244 per annum, while drivers with very good recognition pay $ 1,732 per annum
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | Fred Loya | $1,228 |
| 2 | State Farm | $2,001 |
| 3 | Nationwide | $2,703 |
| 4 | Geico | $3,141 |
| 5 | Chubb | $3,363 |
| 6 | Allstate | $3,965 |
| 7 | Dairyland | $4,037 |
| 8 | MetLife | $7,980 |
| N/A | USAA | $1,936 |
Cheapest car insurance for married drivers: Fred Loya
Because marry drivers statistically get into fewer accidents than single drivers, insurers tend to give married drivers better rates .
Fred Loya Insurance had the best rate for our sample Fort Worth driver, charging $ 933 per class. That ‘s $ 1,501 cheaper than the average rate for marry drivers and $ 1,767 cheaper than the average rate for single drivers .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | Fred Loya | $933 |
| 2 | State Farm | $1,296 |
| 3 | Nationwide | $2,204 |
| 4 | Geico | $2,335 |
| 5 | Chubb | $2,578 |
| 6 | Dairyland | $3,330 |
| 7 | Allstate | $3,827 |
| 8 | MetLife | $4,305 |
| N/A | USAA | $1,101 |
Cheapest car insurance for young drivers: Fred Loya
Fred Loya Insurance quoted the best rates to our sample distribution 18-year-old driver, asking $ 3,355 ( $ 280 monthly ). While that might sound like a lot, it ‘s 53 % cheaper than the city average of $ 7,142. adolescent drivers in Fort Worth should get a quote from State Farm equally well ; modal rates are $ 4,000 annually ( $ 333 monthly ) .
The reason rates are so high for adolescent drivers is because they get into accidents more frequently than older drivers with more experience. Rates for teen drivers in Fort Worth are 165% more expensive than rates for adult drivers .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | Fred Loya | $3,355 |
| 2 | State Farm | $4,000 |
| 3 | Geico | $4,702 |
| 4 | Chubb | $6,778 |
| 5 | Dairyland | $8,161 |
| 6 | Allstate | $8,269 |
| 7 | Nationwide | $8,978 |
| 8 | MetLife | $17,702 |
| N/A | USAA | $2,333 |
To help offset the stagger cost of premiums, ValuePenguin urges young drivers to stay on their parents ‘ indemnity. And ask your insurance company if they offer discounts for good grades or for having base hit devices installed in your car .
Another choice could be using a usage-based program that monitors your force and lowers your rates if you stay safe on the roads .
Best auto insurance companies in Fort Worth
ValuePenguin surveyed customers of major national insurers, asking how quenched they were with their most recent claim. Of the Texas insurers in our analyze, USAA, Nationwide and State Farm had the highest percentage of customers who were “ extremely satisfy ” with their most holocene claim .
To learn more about the customer service reputations of the insurers we considered, check out our study of Texas car policy companies .
Average car insurance costs in Fort Worth by ZIP code
Premiums can vary not lone by city, but by ZIP code as well. Some ZIP codes have higher crime rates or a greater population of uninsured drivers, for case, and insurers may raise rates in these areas to match this risk .
The cheapest broad coverage rates for our sample distribution Fort Worth driver were found in ZIP code 76008, while the most expensive were in ZIP code 76105 .
|
ZIP code |
Full coverage annual cost |
Minimum coverage annual cost |
|---|---|---|
| 76008 | $2,499 | $845 |
| 76028 | $2,518 | $910 |
| 76036 | $2,580 | $956 |
| 76040 | $2,727 | $1,030 |
| 76052 | $2,575 | $965 |
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Auto theft statistics in Fort Worth
We looked at 2019 FBI Crime Statistics and found that of the 11 most populous cities in Texas, Fort Worth had the fifth-highest rate of car larceny. About 3.6 cars are stolen for every 1,000 residents .
|
Rank |
City |
Population |
Car thefts |
Thefts per 1,000 |
|---|---|---|---|---|
| 1 | Dallas | 1,363,295 | 10,257 | 7.5 |
| 2 | Houston | 2,355,606 | 13,098 | 5.6 |
| 3 | San Antonio | 1,559,166 | 7,781 | 5.0 |
| 4 | Lubbock | 259,208 | 1,225 | 4.7 |
| 5 | Fort Worth | 915,237 | 3,335 | 3.6 |
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Methodology
ValuePenguin gathered quotes from nine of the largest insurers in Texas for this study. Our sample driver was a 30-year-old valet who has an average credit score and drives a 2015 Honda Civic EX. Unless otherwise stated, the driver received rates for a wide coverage policy. The fully coverage policy included the following limits :
|
Coverage type |
Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
Rate data was pulled from Quadrant Information Services, which in change state was publicly sourced from insurance company filings. These quotes are intended for comparative purposes entirely, as your own quotes may be different .