Best Fort Worth, TX Auto Insurance in 2025 (Top 10 Companies Ranked)

State Farm, Erie, and Geico offer the top auto insurance in Fort Worth, TX, with a mix of affordability, coverage, and service. State Farm is the winner due to its widespread local agent network and superior financial stability.

Our Top 10 Company Picks: Best Fort Worth, TX Auto Insurance

Erie provides excellent customer satisfaction, efficient claims processing, and comprehensive policy choices.

Geico offers the most affordable rates for many drivers, starting at $41 per month while still including solid auto insurance coverage. Enter your ZIP code into our tool to get instant access to the best auto insurance quotes for Fort Worth, TX.

#1 – State Farm: Top Overall Pick

Pros

• Extensive Local Agent Network: State Farm Insurance in Fort Worth, TX, boasts many agents who provide individualized service and policy tailoring.
• Strong Financial Stability: With a strong financial rating, State Farm Insurance in Fort Worth, TX, ensures secure claims payouts and long-term stability.
• Multi-Policy Savings: Bundling home and auto Insurance in Fort Worth, TX, clients can save most at State Farm’s generous discounts. Explore further details in our “State Farm Auto Insurance Review.”

Cons

• Higher Rates for Certain Drivers: Despite its discounts, State Farm Insurance in Fort Worth, TX, might have higher underlying rates than others.
• Fewer Digital Features: While its local assistance is strong, State Farm Insurance in Fort Worth, TX, offers fewer sophisticated online features for managing policies.

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#2 – Erie: Most Suitable for 24/7 Support

Pros

• 24/7 Claims Support: Erie Insurance in Fort Worth, TX, has 24/7  support. Find out more by reading our article titled “Erie Auto Insurance Review.”
• Top-Rated Service: Erie Insurance in Fort Worth, TX, has better-than-average customer satisfaction ratings.
• Personalized Coverage: Erie Insurance in Fort Worth, TX, offers personalized policy plans according to need.

Cons

• Limited Availability Nationwide: Erie Insurance in Fort Worth, TX, is unavailable in any state.
• Fewer Discounts Offered: Erie Insurance of Fort Worth, TX, doesn’t provide nearly as many savings plans as the competition.

#3 – Geico: Ideal for Custom Plans

Pros

• Cheap Rates: Geico Insurance in Fort Worth, TX, tends to offer lower costs for most drivers. Explore further with our article entitled “Geico Auto Insurance Review“
• Flexible Policy Options: Geico Insurance in Fort Worth, TX, provides personalized plans for various coverage needs.
• Well-rated Mobile App: Geico Insurance, Fort Worth, TX, provides simple online policy management and claims.

Cons

• Fewer Local Agents: Geico Insurance in Fort Worth, TX, relies primarily on online and phone support.
• Higher Costs for High-Risk Drivers: Geico Insurance in Fort Worth, TX, charges more for those with violations.

#4 – USAA: Best for Military Savings

Pros

• Exclusive Military Discounts: USAA Insurance in Fort Worth, TX, provides discounts for military families and members.
• Best Customer Service: USAA Insurance of Fort Worth, TX, receives high praise for quick and responsive claims service.
• Low-Cost Family Coverage: Fort Worth, TX-based USAA Insurance offers family insurance at economical rates. For additional insights, refer to our “USAA Auto Insurance Review.”

Cons

• Restricted Membership: USAA Insurance in Fort Worth, TX, is only for military personnel and their families.
• Limited Physical Locations: USAA Insurance in Fort Worth, TX, mainly operates online and by phone.

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#5 – Allstate: Best for Add-on Coverages

Pros

• Extensive Coverage Options: Allstate Insurance, Fort Worth, TX, offers add-ons for accident forgiveness and rideshare coverage.
• Good Financial Support: Fort Worth, TX-based Allstate Insurance boasts an A+ claim reliability rating.
• Usage-Based Discounts: Drivewise offers safe drivers like those in Fort Worth, TX, Allstate Insurance. Explore further in our article titled “Allstate Auto Insurance Review.”

Cons

• Higher Rates for New Drivers: Allstate Insurance charges more for young or inexperienced drivers in Fort Worth, TX.
• Strict Claims Process: Allstate Insurance, Fort Worth, TX, has a detailed and sometimes slow claims approval system.

#6 – Farmers: Best for Local Agents

Pros

• Personalized Agent Support: Fort Worth, TX, has locally dedicated agents who serve customers personally.
• Good Bundling Savings: Fort Worth, TX, Farmers Insurance has excellent discounts for bundling policies.
• Specialty Coverage Plans: Farmers Insurance in Fort Worth, TX, offers classic car coverage and rideshare driver policies.

Cons

• Higher Premiums: Farmers Insurance in Fort Worth, TX, may be pricier than national competitors. Gain deeper insights by perusing our article named “Farmers Auto Insurance Review.”
• Fewer Digital Tools: Farmers Insurance in Fort Worth, TX, offers limited online features for policy management.

#7 – Travelers: Best for Accident Forgiveness

Pros

• No Rate Hikes Following First Accident: Travelers Insurance provides accident forgiveness to specific drivers in Fort Worth, TX.
• Most substantial Company Financially: Travelers Insurance in Fort Worth, TX, has an A++ claim reliability rating. Enhance your knowledge by reading our “Travelers Auto Insurance Review.”
• Accident Forgiveness Coverage for Risky Drivers: Travelers Insurance in Fort Worth, TX, offers plans for drivers with prior violations.

Cons

• Discounts Could Differ: Travelers Insurance in Fort Worth, TX, does not make all discounts available to every driver.
• Slower Claims Settlement: Travelers Insurance in Fort Worth, TX, takes longer than some competitors to pay out claims.

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#8 – Nationwide: Best for Usage Discount

Pros

• SmartRide Rewards Safe Drivers: Nationwide Insurance in Fort Worth, TX, offers discounts for safe driving.
• Financially Strong: Nationwide Insurance in Fort Worth, TX, gets an A+ for quick and reliable claim payments. Gain insights by reading our article titled “Nationwide Auto Insurance Review.”
• Payment Options: Fort Worth, TX-based Nationwide Insurance has several payment options for premiums.

Cons

• Tracking Required for Discounts: Nationwide Insurance in Fort Worth, TX, requires telematics monitoring for SmartRide savings.
• Not the Cheapest for Low-Mileage Drivers: Nationwide Insurance in Fort Worth, TX, may not be the best option for infrequent drivers.

#9 – AAA: Best for Online App

Pros

• Easy-to-Use Mobile App: AAA Insurance of Fort Worth, TX, offers a simple policy management and claims app. Explore further with our article entitled “AAA Auto Insurance Review.”
• Excellent Roadside Support: AAA Insurance in Fort Worth, TX, offers excellent roadside services with many policies.
• Member Discounts: AAA Insurance in Fort Worth, TX, offers members additional discounts on insurance and other services.

Cons

• Membership Required for Full Benefits: AAA Insurance in Fort Worth, TX, requires an active AAA membership for the best perks.
• Higher Costs Without Bundling: AAA Insurance in Fort Worth, TX, offers better pricing for bundled policies.

#10 – Liberty Mutual: Best for Customizable Policies

Pros

• Very Adjustable Coverage: Liberty Mutual Insurance of Fort Worth, TX, allows policyholders to customize their policies.
• RightTrack Safe Driver Discounts: Liberty Mutual Insurance in Fort Worth, TX, provides discounts for safe driving that is monitored.
• Fiscally Sound: Liberty Mutual Insurance in Fort Worth, TX, boasts a superior A rating for claims payable. Delve into the specifics in our article called “Liberty Mutual Auto Insurance Review.”

Cons

• Higher Rates for Certain Drivers: Liberty Mutual Insurance charges more for young or high-risk drivers in Fort Worth, TX.
• Discounts Require Telematics Tracking: Liberty Mutual Insurance in Fort Worth, TX, bases some savings on driver monitoring.

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Coverage Cost in Fort Worth, TX

Auto insurance premiums in Fort Worth, TX, are quite different based on the insurer and level of coverage. Geico charges the least amount for minimum coverage at $41 a month, while Allstate charges the most at $86.

Fort Worth, TX Auto Insurance Monthly Rates by Provider & Coverage Level

USAA offers the most affordable complete coverage package at $98 per month, and Liberty Mutual offers the most expensive at $180. Full coverage tends to be more costly but provides excellent financial security against accidents, theft, and other damage.

In choosing an insurance company, the rates must be weighed against the benefits of the coverage. A lower premium might mean more significant out-of-pocket costs if a claim is made, so affordability must be weighed against protection.

Coverage Discounts

Fort Worth, TX, auto insurance companies provide multi-policy discounts. State Farm and Nationwide offer discount premiums for purchasing home and auto insurance. These discounts save hundreds of dollars annually, making them a budget-friendly option for homeowners and renters.

Auto Insurance Discounts From the Top Providers in Fort Worth, TX

Safe driving courses such as Geico’s DriveEasy and Liberty Mutual’s RightTrack monitor driving behavior in real time and offer rate discounts that vary with speed, braking, and miles. Erie and Travelers provide defensive driving discounts for taking state-approved courses, which can reduce premiums by a fixed percentage.

Vehicle safety and anti-theft device discounts apply to cars with features like anti-lock brakes, tracking devices, and alarm systems. Farmers and Allstate reduce premiums for such protections. USAA and Travelers reward drivers with claims-free discounts, offering lower rates for policyholders without accidents or violations over a specific period.

Auto Insurance Coverage Requirements in Texas

Just because mandatory Liability coverage limits are bigger in Texas doesn’t mean that you can stop there. Many vehicles, especially leased ones, will require a fully comprehensive policy. Depending on who your lender is, a car you are still paying for may have similar requirements.

Driving legally in Fort Worth requires:

Auto Insurance Minimum Coverage Requirements in Texas

State fact: the average motorist on the road right now is paying around $135 – or higher – for their Texas Auto Insurance policy. But living in Fort Worth can get you discounted coverage for as low as $85 monthly*! We’ll be happy to show you how.

Fort Worth, TX Auto Insurance Monthly Rates by Provider

If you’re serious about shopping around for a lower rate, you might want to start with either Texas Farm Bureau or Encompass. Be sure to also compare strengths and weaknesses, financial stability, and customer service reports before making a final decision based on price alone.

Fort Worth, TX Auto Insurance Monthly Rates by Provider & Coverage Type

Companies that offer auto insurance plans contemplate several variables while establishing insurance prices, particularly gender, driving violations, occupation, education, and multiple cars and drivers. Furthermore, premiums may alter between companies. To find out if you’re still receiving the best price, compare cheap Fort Worth auto insurance premiums via the internet.

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Major Car Insurance Factors in Fort Worth

Any time your automobile insurance agency gets ready to build your policy, they consider quite a few parameters. Some, for instance your car’s make/model or maybe your particular address, usually are difficult to vary. Some alternative components are:

Your Zip Code

Where you store your automobile every night will probably significantly influence your auto insurance rate. Typically, auto insurance is less expensive in outlying regions merely because a lower number of automobiles indicates a reduced possibility that you will get in a collision with another automobile. The population of Fort Worth is 792,727, and the common family income is $52,430.

Fort Worth, TX Auto Insurance Monthly Rates by ZIP Code

Automotive Accidents

Unfortunately, any area with a high rate of serious accidents will dramatically increase local premiums. Based on the statistics below, the average Fort Worth driver has less than a 1 in 6,000 chance of getting involved in one of these. To put that in perspective, deadly accidents in Fort Worth happen at triple the rate of deadly accidents in Chicago.

Fatal Accidents in Fort Worth, TX

Auto Thefts in Fort Worth

Even in smaller cities or outlying towns, car theft can nonetheless be a problem. To help make it a lesser dilemma in your case, consider investing in a passive anti-theft system within your current motor vehicle. Your actual auto insurance provider might reward you with cheaper prices! In Fort Worth, there were 2,399 auto thefts in 2013. Although theft rates are lower in Fort Worth than in other parts of the state, you’ll still want to ensure you have comprehensive coverage of your policy.

Auto Thefts in Fort Worth, TX

Your Credit Score

Insurance companies are of the opinion that drivers with poor credit are a higher financial risk to their bottom line. Therefore, the lower your credit score, the more likely you are to pay up to triple the premium of someone with perfect credit. And some providers, like Allstate, won’t cover anyone with poor credit.

Fort Worth, TX Auto Insurance Monthly Rates by Credit Score

Your Age

Young drivers, due to their lack of experience, are more expensive to insure in Texas than in almost any other state. Just look at the chart below. If you are a young driver or are trying to get coverage for one, try to get a Good Student Discount and Driver’s Ed discounts wherever possible. You may even want to consider bundling them to a family auto policy.

Fort Worth, TX Auto Insurance Monthly Rates by Provider, Age, & Gender

Your Driving Record

Texas insurance providers take your driving record seriously, as you can see in the chart below. Serious violations, like DUIs, will send premiums skyrocketing or possibly run the risk of losing coverage. But if your provider offers an Accident Forgiveness discount, you might still be able to find a good deal, even with a less-than-perfect record.

Fort Worth, TX Auto Insurance Monthly Rates by Driving Record

Your Vehicle

The more expensive your vehicle is, the more insurance coverage you will have to buy. This helps protect you and your finances in the event that you have to make some expensive repairs, or replace your vehicle entirely.

Fort Worth, TX Auto Insurance Monthly Rates by Vehicle & Coverage Level

Minor Car Insurance Factors in Fort Worth

Below, we’ll clear up some confusion about some lesser-known factors that can determine your premium:

Your Marital Status

Spouses have a leg up for single drivers because both partners can bundle their insurance policies together for a pretty nice discount. Of course, the two of you will have to sit down and agree on which provider to choose. But after that, you can enjoy some savings.

Your Gender

Insurance companies these days can’t seem to make up their minds when it comes to charging different rates based on gender. Some charge their male drivers more. Others put the financial burden upon female motorists. However, an increasing number of companies don’t factor gender into the equation anymore.

Your Driving Distance to Work

Unlike some cities in Texas, it can be a little easier to get around in Fort Worth. Typical commute times only last between 15 and 25 minutes for the average motorists, and more than 72% of those are driving their own truck or car by themselves. Almost 20% will be carpooling.

Fort Worth, TX Auto Insurance Monthly Rates by Annual Mileage

Are you insuring your vehicle for business purposes? If so, understand that your monthly premium is around 11-12% higher than it would be if you were insuring the same exact vehicle for personal use (that is, traveling to school or work or for pleasure).

Your Coverage and Deductibles

There is a somewhat opposite relationship between your deductible and your monthly premium. When your deductible is high, your monthly rate will be lower. A low deductible, however, will result in a higher monthly payment. And you have the right to raise or lower your deductible whenever you wish. Just contact your insurance agent for more information. (For more information, read our “Is it a bad idea to have a high deductible on your auto insurance?“).

Education in Fort Worth, TX

27% of Fort Worth residents have not quite finished their secondary education, but 24% have successfully earned their high school diploma. However, if you’re looking for savings on your auto insurance, you might want to consider returning to school. Providers have recently begun offering cheaper rates to drivers who have advanced their level of education.

Seven different colleges service the Fort Worth area. The biggest, by far, is the University of Texas at Arlington. It educates nearly 25,000 students yearly in various subjects, but its current area of expertise is high technology. There are also several different campuses for Tarrant County Junior College throughout the city.

You shouldn’t enable an unsatisfactory auto insurance provider to persuade you into purchasing an auto insurance policy that’s not good for you. Of course, the amount of related information needed to determine your personal risk profile might be overpowering. However, comparison internet sites like this will help make things easier. Simply provide a few specifics below, and just allow us to take over from there.

Key Insights on Fort Worth Auto Insurance Coverage

Auto insurers in Fort Worth, TX, give Safe Driver Discounts to policyholders with good driving histories. Firms such as Geico and Travelers lower premiums for drivers who have not been involved in accidents. Buying auto and homeowners insurance with companies such as State Farm and Nationwide can also increase savings.

Auto insurance carriers like Farmers and Allstate offer reductions on cars featuring anti-theft features, making such claims lower risks. Add that to the Safe Driver Discount, and safe-minded drivers could gain significant cuts on their cover.

Use our free tool to enter your ZIP code and get Fort Worth, TX’s most affordable auto insurance options.

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How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Texas Department of Insurance

Finance Commission of Texas

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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