Fort Worth, Texas has a average cost for car insurance with full coverage of $1,876 annually, and $548 annually for minimum coverage.
All Fort Worth drivers who have a Texas vehicle must have car insurance. Some car insurance providers have lower rates than others. We help you to find Fort Worth’s best car insurers by using discriminating criteria like average price, coverage options and customer service.
Fort Worth’s best car insurance companies
Based on our research, Mercury, State Farm and Nationwide are the best Fort Worth car insurance companies. These providers are distinguished by their low premiums, policies that offer generous savings, policy options, customer satisfaction ratings, and financial strength scores.
Geico
Geico is Fort Worth’s most affordable car insurance provider. However, it offers fewer coverage options and may not be the best option for drivers who wish to customize their policy. Drivers may be eligible for discounts for military personnel, federal employees, emergencies deployment, and employee/membership groups.
Mercury
Mercury Insurance provides standard coverage, common discounts, and a mileage-based rewards program called RealDrive. Although the rates are slightly higher, Fort Worth drivers might be able to get a lower rate by installing an anti-theft device, being a good student and insuring multiple vehicles.
All over the country
Fort Worth drivers looking for strong coverage options and a low premium can consider Nationwide. Nationwide also offers several additional features, such as accident forgiveness, total loss deductible waiver, and gap insurance. You can also get discounts for students and vehicles with anti-theft devices, as well as a disappearing-deductible program. Also, AutoPay is available.
State Farm
State Farm is Fort Worth’s most popular car insurance company . State Farm is known for its extensive list of discounts and safe driver reward programs. These include Steer Clear for young drivers, and Drive Safe & Save to adults. Drivers can save as much as 20% by insuring multiple vehicles. They may also be able to save up to 17% on bundling policies, and up to 25% on getting high school grades.
USAA
USAA offers car insurance only to veterans, military personnel and their eligible family members. USAA is well-known for its low rates, excellent customer service, and many discounts including military-specific savings. USAA claims that switching from another provider can help drivers save on average $725 per annum. USAA offers flexible payment plans, high-rated claims handling, and accident forgiveness after five year.
Fort Worth has the lowest car insurance
Fort Worth car insurance is slightly more expensive than Texas’s average cost, but it is still affordable. The average Texas driver pays $1800 per year for full coverage and $496 for minimal coverage. Below is a table that highlights Fort Worth’s most affordable car insurance options. It is based on market share.
Fort Worth drivers who want the best car insurance should compare providers in order to find the right one for them. Geico and State Farm, for example, offer low rates but limited coverage. Allstate has many additional coverages but the premiums tend to be more costly. Mercury is a better provider for drivers who need good customer service and low rates, but are not eligible for USAA.
Fort Worth insurance requirements
Fort Worth drivers must have at least 30/60/25 coverage. This includes the following:
- $30,000 per person in bodily injury liability insurance
- $60,000 per accident in bodily injury liability coverage
- $25,000 per accident in property damage liability coverage
Texas drivers must have personal injury protection (PIP), and car insurance companies that offer policies to them must include it automatically. They also need to provide coverage for uninsured or underinsured motorists. These coverages may be rejected by writing.
The cheapest insurance policy is one that provides minimum coverage. But, liability-only insurance does not guarantee that it will cover all costs of an accident at fault. Drivers who cause an accident that exceeds their policy limits are responsible for the excess out-of-pocket.
Fort Worth residents should be aware that leased or financed cars often require full coverage insurance. To reduce risk, some lenders may require that drivers have full coverage insurance until the loan is fully paid off.
Fort Worth car insurance discounts
Fort Worth insurance companies offer discounts that will help drivers save money on car insurance. These are the top Texas discounts:
- Bundling policies: One of the best ways to save money is to bundle a home and auto policy with the same insurance provider.
- No claims: Many insurance companies offer discounts to drivers who aren’t involved in any accidents or have not made any insurance claims within the past few years.
- Anti-theft device – Cars with an anti-theft feature are usually eligible for a discount, as the theft risk is lower.
- Automated payments: Drivers who sign-up for automatic payments to cover their monthly premium often receive a slight discount on the price.
Questions frequently asked
Which is the best auto insurance company?
Every driver will have a different best car insurer. The rate depends on many factors such as where the driver lives and how much coverage they require, their budget, and what kind of coverage they need. Drivers should compare providers in order to find the best company for them.
What is the cost of Fort Worth car insurance?
The average Fort Worth driver pays $1876 annually for full coverage insurance, and $548 for minimum coverage insurance. Keep in mind, however, that each driver will pay a different rate depending on their credit score, claims history, and age.
Fort Worth: How much do I need to insure my car?
Fort Worth drivers must have at least 30/60/25 liability coverage in order to legally drive their vehicles. Texas mandates PIP coverage. However, you can reject this coverage by writing. Uninsured or underinsured coverage can also be offered. However, this can be rejected in writing. Many drivers opt to buy full coverage insurance to get more protection. Some lending companies also require that drivers purchase full coverage insurance if they own a leased vehicle.
