Who Offers the Lowest Auto Insurance Quotes in Fort Worth, Texas?

For a minimum coverage policy, car insurance in Fort Worth costs $1,006 per year, which is roughly 9% more costly than the Texas state average of $926 per year.

According to our review of the top providers in the state, State Farm has the most cost basic coverage vehicle insurance for Fort Worth residents. State Farm insurance costs around $598 per year, or roughly $50 per month. Fred Loya provided the most competitive estimates for full coverage automobile insurance, with premiums starting at $1,228 per year. Always obtain prices from more than one insurer. We discovered a $4,000 differential in premiums between the least and most expensive insurers for Fort Worth consumers.

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State Farm offers the most affordable auto insurance in Fort Worth.

State Farm, Fred Loya Insurance, and Dairyland Insurance provide the cheapest minimum-coverage insurance in Fort Worth. Minimum coverage costs an average of $1,006 in Fort Worth, but these three providers charge 26% less, saving drivers an average of $263 a year. State Farm provides the most cost-effective auto insurance in Fort Worth.

The cheapest minimum-coverage insurance in Fort Worth is offered by State Farm, Fred Loya Insurance, and Dairyland Insurance. Minimum coverage in Fort Worth costs an average of $1,006, but these three companies charge 26% less, saving drivers an average of $263 per year.

Fred Loya has the cheapest full coverage vehicle insurance in Fort Worth.

For residents of Fort Worth, Fred Loya Insurance provides the cheapest full coverage plans. State Farm, on the other hand, comes in a close second, costing only $6 extra per month. Military personnel and their families should contact USAA for a quote, as the company's average monthly prices are only $4 higher than what Fred Loya charges.

Because it covers both collision and comprehensive coverage, full coverage ensures that your car is protected.

• Comprehensive coverage compensates you for any losses caused by situations beyond your control, such as vandalism, fire, or natural catastrophes.

• Collision coverage: Pays for repairs to your vehicle following an accident, regardless of who is at fault.

Cheap auto insurance for drivers with a history of infractions
Your prices are decided by insurers based on the risk you pose. When calculating your risk level, consider things such as accidents, speeding tickets, and DUIs. As a Fort Worth driver, if you have any of these on your driving record, or if you have a low credit score, you will most likely be offered higher rates.

After an accident, the following is the cheapest vehicle insurance in Fort Worth:

State Farm and Fred Loya Insurance were once again the cheapest options for Fort Worth drivers with an at-fault collision on their record. It's worth receiving quotations from both insurers; we discovered a difference of less than a dollar per month. After an at-fault accident, insurance rates in Fort Worth rise by 58 percent. This is because insurers consider these types of incidents to be a sign that you're a riskier driver, and they modify premiums to reflect that risk.

Cheapest vehicle insurance for drivers who have received a speeding ticket: Loya, Fred

Speeding tickets raise the average cost of auto insurance in Fort Worth by $194 per year. This is far less than the increase following an at-fault collision ($1,559) or a DUI ($1,935). Fred Loya Insurance had the best rates for drivers with a speeding ticket, at $1,228 per year. At-fault accidents had the second-lowest rates, at $1,296 per year. In reality, neither of these insurers boosted their premiums in response to a speeding ticket. If you're seeking cheap insurance after a speeding ticket, get estimates from both firms.

Fred Loya has the cheapest vehicle insurance for DUI drivers.

For Fort Worth individuals who have been arrested driving under the influence, State Farm, Fred Loya Insurance, and Dairyland Insurance provide the most economical insurance (DUI). A DUI is one of the most serious violations you may conduct behind the wheel because it endangers not only your own life but also the lives of others on the road. In Fort Worth, the average rate rises by 72 percent, from $2,700 before a DUI to $4,635 afterward.

Cheapest auto insurance for bad credit drivers: Loya, Fred

Fred Loya Insurance has the best prices for Fort Worth drivers with bad credit, charging an average of $1,228 a year. That's 64% less than the average premium for bad credit drivers, which is $3,373. Your credit score has nothing to do with your ability to drive safely, but it can have an impact on your car insurance prices. We discovered that Fort Worth drivers with mediocre credit pay $2,244 per year, while drivers with excellent credit pay $1,732 per year.

Fred Loya has the cheapest vehicle insurance for married drivers.

Because married drivers are statistically less likely to be involved in an accident than single drivers, insurers tend to give married drivers lower premiums. For our sample Fort Worth driver, Fred Loya Insurance had the best rate, charging $933 per year. That's $1,501 less than the national average for married drivers and $1,767 less than the national average for single drivers.

The most affordable auto insurance for teenage drivers is:

Fred Loya Insurance offered the best rates to our sample 18-year-old driver, at $3,355 ($280 monthly). While that may appear to be a lot, it is 53% less than the city average of $7,142. Teen drivers in Fort Worth should also seek an estimate from State Farm; average premiums are $4,000 per year ($333 per month). Teen drivers have higher accident rates because they are involved in more accidents than older drivers with greater experience. Teen driver insurance in Fort Worth is 165 percent higher than adult driver insurance.

Online Insure quote advises young drivers to remain on their parents' insurance to help offset the exorbitant cost of premiums. Also, check with your insurer to see if they give discounts for high grades or having safety systems fitted in your vehicle. Another option is to use a usage-based program that monitors your driving and decreases your rates if you drive safely.

Fort Worth's top auto insurance companies

Customers of major national insurers were polled by Online Insure quotes on how satisfied they were with their most recent claim. USAA, Nationwide, and State Farm had the greatest percentage of customers who were "very satisfied" with their most recent claim among the Texas insurers in our survey. Check out our survey of Texas vehicle insurance providers to learn more about the insurers' customer service reputations.

The average cost of vehicle insurance in Fort Worth varies by ZIP code.

Premiums might differ not only by city but also by ZIP code. Some ZIP codes, for example, have higher crime rates or a higher number of uninsured drivers, and insurers may hike prices in these regions to reflect this risk. Our sample Fort Worth driver found the cheapest full coverage rates in ZIP code 76008, while the most expensive was in ZIP code 76105.

Statistics on auto theft in Fort Worth

According to the 2019 FBI Crime Statistics, Fort Worth has the fifth-highest rate of car theft among Texas' 11 most populated cities. For every 1,000 residents, around 3.6 cars are stolen.