insure logo

Why you can trust

quality icon

Quality Verified

At, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Car insurance in Fort Worth costs $2,030 per year for full coverage – $169 monthly. In 2024, Texas Farm Bureau offers the cheapest car insurance policy at $116 per month.

If you are moving to Fort Worth — or already live there — it is important to find the right car insurance policy. Fortunately, there are ways to get cheap car insurance in Fort Worth that will provide the coverage you need. 

Key Takeaways

  • Full-coverage car insurance in Fort Worth costs an average of $2,030 per year, slightly lower than the statewide average of $2,043 and the nationwide average of $1,895.
  • The cheapest car insurance company for a full-coverage policy in Fort Worth is Texas Farm Bureau, at $116 monthly.
  • Car insurance rates in Fort Worth are reasonable compared to other large cities across the U.S. 

How to find the best car insurance in Fort Worth

With the right tools and a little work, you can find the best car insurance policy in Fort Worth that marries the coverage you need with a cost you can afford. 

Before shopping for car insurance, determine the type of policy you need, including the amount of coverage necessary to protect yourself. Make sure you get quotes from at least three companies comparing similar coverage limits and options and ask about any discounts you qualify for. It’s always best to buy as much coverage as you can afford.

Cheapest car insurance company in Fort Worth

Texas Farm Bureau provides the cheapest car insurance in Fort Worth, according to the most recent data. It costs an average of $1,396 annually to purchase a full-coverage policy from the insurer.  The next cheapest car insurance companies are Nationwide and Redpoint County Mutual.

See other cheap car insurance rates in Fort Worth in the table below.

Average annual rates from insurers in Fort Worth

Company Average annual rates for state minimum Average annual rates for full coverage
Texas Farm Bureau$414$1,396
State Farm$492$1,970
Auto Club Enterprises (AAA)$594$2,022
Redpoint County Mutual$616$1,598

How much is car insurance in Fort Worth per month?

Fort Worth residents can expect to pay an average of $169 per month in full coverage car insurance costs and $52 per month for the state minimum coverage.

Of course, some drivers pay less than this average, while others pay more. Factors determining how much you pay for car insurance include the insurance company you choose and the coverage you need. 

Other factors — including your age and gender, car type and history of accidents and violations — also influence car insurance costs.  

Monthly rates for car insurance in Fort Worth, Texas

CompanyAverage monthly rates for state minimum Average monthly rates for full coverage
Texas Farm Bureau$35$116
State Farm$41$164
Auto Club Enterprises (AAA)$49$168
Redpoint County Mutual$51$133

How do rates in Fort Worth compare to other large cities in the U.S.?

The cost of coverage in Fort Worth compares favorably to other major cities. Fort Worth drivers pay slightly less than other Texas drivers – the statewide rate is $2,043 annually, compared with Fort Worth’s $2,030.

See how much you can expect to pay for car insurance in several major U.S. cities in the table below.

Full-coverage car insurance costs in major U.S. metropolitan areas

CityFull-coverage cost
Los Angeles$3,149
New York$2,600
San Antonio$2,181
San Diego$2,324
San Jose$2,406
Las Vegas$2,594
El Paso$2,112
Fort Worth$2,030
Oklahoma City$2,373
San Francisco$2,777

Here’s what you need to know when driving in Fort Worth

Fort Worth is growing by leaps and bounds. Since 2020, it has been the fastest-growing city among the 30 most populous in the U.S. In the past year, it attracted more residents than any other city with a population of at least 50,000.

Of course, all those new residents mean Fort Worth is likely to see growing traffic in future years.  

In 2022, drivers in nearby Dallas lost an average of 56 hours in traffic, according to INRIX, which looks at traffic patterns. That means the metro ranks No. 14 in congestion in the U.S. 

If you drive in the Dallas-Fort Worth-Arlington area during rush hour, you can expect to spend an extra 17.1 minutes in traffic, according to CoPilot. That places Dallas-Fort Worth-Arlington at No. 31 among all cities in the nation when it comes to losing time due to rush hour. 

Other things to remember when driving around Fort Worth:

  • Speed limits in Fort Worth are typically 55 mph on residential roads unless otherwise posted. Urban interstates have speed limits of 75 mph. 
  • The Dallas-Fort Worth area has several toll roads. The city’s freeways also have TEXpress Lanes, which are less-congested express roadways. As with toll roads, you must pay to use these lanes.  
  • Fort Worth has begun incorporating more roundabouts into its road system, stating that they create safer roads because they help prevent severe head-on and left-turn crashes. 

How much car insurance do I need in Fort Worth?

Texas law requires you to purchase a minimum amount of liability car insurance coverage. These amounts are: 

  • $30,000 per person for bodily injury liability
  • $60,000 per accident for bodily injury
  • $25,000 of coverage for property damage

This is often referred to as “30/60/25 coverage.”

However, these minimum levels of coverage will not be adequate for most drivers. Many drivers will prefer to carry much higher levels of liability coverage so they are better protected financially. 

“You can be held legally responsible for damages you cause, regardless of whether you have enough insurance to pay for those damages,” says Rick Kautzer, director of personal lines product management for Dairyland Insurance. “That means a claiming party could pursue you directly for those damages not fully covered by your insurance.”  

Drivers also might be interested in protecting their own vehicles by purchasing comprehensive and collision coverage. 

If you are unsure of how much coverage you need, consult with an insurance agent who can help. 

Average cost of car insurance in Fort Worth

The average cost of full-coverage car insurance in Fort Worth is $2,030 annually. That compares to a statewide average of $2,043 and a nationwide average of $1,895. 

Annual average rates in Fort Worth for state minimum coverage and full coverage

State minimum coverage in Fort WorthAnnual full coverage rates in Fort Worth

How much does car insurance in Fort Worth cost with violations?

Moving violations on your driving record will likely increase your car insurance rates. Violations like speeding tickets often cause a significant but manageable rise in rates. Other types of violations can make rates climb much higher. This is particularly true if you are convicted of a DUI. 

See rate increases in Fort Worth in the table below by violation.

Violation typeRate increase percentage
At-fault accident81%
Bad credit68%

Cheapest car insurance in Fort Worth by age

Your age will impact how much you pay for car insurance. The youngest drivers tend to pay the highest rates. Older drivers also are likely to pay more. See how much you can expect to pay by age in the table below.

TABLE: Annual rates for state minimum and full coverage car insurance in Fort Worth, by age

AgeState minimum coverageFull coverage

Compare auto insurance rates in Fort Worth by ZIP code 

Where you live also plays a role in how much you pay for car insurance. Here are the Fort Worth area ZIP codes with the cheapest and most expensive car insurance rates. 

See the tables below for the cheapest and most expensive ZIP codes for car insurance in Fort Worth. 

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

ZIP codeAverage annual rate

Most expensive annual car insurance rates in Fort Worth, by ZIP code 

ZIP codeAverage annual rate

Our recommendations: Car insurance for drivers in Fort Worth

If low prices are your top focus when shopping for car insurance, Texas Farm Bureau might be your best choice. It has the lowest average rates in our survey. 

However, it’s often a mistake to shop by price alone. It is crucial to make sure you have exactly the coverage you need, even if you have to pay a little more for it. 

Shopping around and gathering quotes from several insurance companies is the best way to get the coverage you need at the best price. 

A full coverage insurance policy with liability limits of 100/300/100 is the best option for most drivers. Consider increasing your liability limits as you accumulate wealth and your net worth increases. Purchasing as much car insurance as you can afford will give you peace of mind as you navigate the roads of Fort Worth.

Resources & Methodology


CoPilot. “Cities That Lose the Most Time in Rush Hour Traffic.” Accessed February 2024.

Fort Worth. “About Fort Worth.” Accessed February 2024.

Fort Worth. “Population.” Accessed February 2024.

Fort Worth. “All about roundabouts.” Accessed February 2024.

Hertz. “Texas driving guide.” Accessed February 2024.

INRIX. “Inrix 2022 Global Traffic Scorecard.” Accessed February 2024.

INRIX. “Dallas TX.” Accessed February 2024.


In 2024, commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C.

author image
Chris Kissell
Contributing Researcher


Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.