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Last updated: September 9, 2025Best Cheap Car Insurance in Fort Worth
Texas Farm Bureau offers the least-expensive auto insurance in Fort Worth, with an average of $1,440 for full coverage and $546 for minimum coverage.
Cheapest
Editor's Rating: 4.4/5
Average Cost in Fort Worth
- Full Coverage Monthly: $120
- Minimum Coverage Monthly: $46
Best Major Insurer
Editor's Rating: 4.9/5
Average Cost in Fort Worth
- Full Coverage Monthly: $123
- Minimum Coverage Monthly: $54
Best for Military and Veterans
Editor's Rating: 5/5
Average Cost in Fort Worth
- Full Coverage Monthly: $143
- Minimum Coverage Monthly: $70
Table of Contents
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Key Takeaways
- On average, auto insurance in Fort Worth is a little less expensive than the Texas average. In Fort Worth, auto insurance averages $2,181 per year for full coverage and $817 per year for minimum coverage.
- Texas Farm Bureau, State Farm and USAA provide some of the cheapest and best coverage in Fort Worth.
- While this page is based on the best available data for average rates, the best and cheapest coverage for you might differ based on factors such as your age, driving history, and car value.
Our Top Picks for the Best Cheap Auto Insurance in Fort Worth
- Cheapest: Texas Farm Bureau
- Best Major Insurer: State Farm
- Best for Military and Veterans: USAA
- Best for Rideshare Drivers: Allstate
- Best with a DUI: Progressive
Compare the Best Cheap Auto Insurance in Fort Worth
| Company | Full coverage annual average | Minimum coverage annual average | Texas customer satisfaction (J.D. Power) |
|---|---|---|---|
| Texas Farm Bureau | $1,440 | $546 | Below average |
| State Farm | $1,473 | $648 | Above average |
| USAA | $1,711 | $839 | Above average* |
| Allstate | $2,466 | $836 | Below average |
| Progressive | $2,320 | $943 | Below average |
| Fort Worth | $2,181 | $817 | – |
*USAA technically doesn’t qualify to rank in J.D. Power studies due to its eligibility restrictions.
GOOD TO KNOW:
Minimum coverage insurance is the same as liability coverage. Both refer to insurance that fulfills basic state coverage requirements without anything more. In Texas, the minimum is $30,000 per person (up to $60,000) for bodily injury and another $25,000 for property damage. While this may seem like a lot of money, we strongly encourage drivers to consider getting full coverage instead. Not only can losses easily add up more than this, but regular liability insurance doesn’t cover every expensive outcome of an accident. Learn more about the differences between full coverage and liability insurance.
Detailed List of the Best Cheap Providers in Fort Worth
1. Cheapest - Texas Farm Bureau
What We Like Most:
- Cheapest rates in Fort Worth
- Regional insurer with local agents
- Offers online quotes
Why we chose it
On average, Texas Farm Bureau offers the least-expensive auto insurance in the Fort Worth region for both full coverage and minimum coverage. Although Texas Farm Bureau ranked below average on J.D. Power’s customer satisfaction survey for Texas, it scored above average on the CRASH Network Insurer Report Card, which assesses claims practices based on a survey of collision repair shops. And unlike some other Farm Bureau providers, Texas Farm Bureau gives you the option to start a quote online in addition to working with a local agent.
Who it’s best for
Texas Farm Bureau is a good choice for drivers on a budget. While you can start a quote online, you’ll likely have to complete it by phone with an agent. Note that you must be a Texas Farm Bureau member in order to purchase insurance; membership prices vary by county, usually costing around $75 annually. The membership also includes other perks, including a $500 cash reward when you buy or lease certain Ford vehicles, travel discounts, and deals on car seats and booster seats for children.1
Texas Farm Bureau Fort Worth Pricing
| Texas Farm Bureau | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $120 | $46 |
| Annually | $1,440 | $546 |
| Difference from Fort Worth average | -34% | -33% |
2. Best Major Insurer - State Farm
Why we chose it
We named State Farm one of our top picks for best cheap auto insurance, and Fort Worth is no exception. After Texas Farm Bureau, it has the cheapest average rates in Fort Worth for full and minimum coverage car insurance. It scored above average on J.D. Power surveys for regional customer satisfaction and national claims service satisfaction. The company keeps rates low by offering a number of discount opportunities, including its telematics program Drive Safe & Save.
Who it’s best for
State Farm is a great choice for people who are looking for a large national insurer that offers affordable rates and solid customer service. Like Texas Farm Bureau, it’s also a good option for drivers who prioritize the service of a local agent.
Safe drivers will find the cheapest rates, especially if they sign up for Drive Safe & Save. While State Farm tends to have cheap rates in Texas for drivers with violations like speeding tickets, at-fault accidents, or DUIs, its rates are high for drivers with poor credit.
State Farm Fort Worth Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $123 | $54 |
| Annually | $1,473 | $648 |
| Difference from Fort Worth average | -32% | -21% |
3. Best for Military and Veterans - USAA
What We Like Most:
- Competitive rates
- Superb customer service
- Highest-scoring in Texas on J.D. Power
Why we chose it
USAA’s full coverage costs fall below the Fort Worth average, and it maintains a reputation as an excellent, reliable choice for military servicepeople, veterans and their families. Although USAA technically doesn’t qualify for J.D. Power’s surveys due to its eligibility restrictions, it consistently gets some of the highest scores for customer and claims satisfaction. The company also offers a number of other financial services to members, including auto loans.
Who it’s best for
If you’re affiliated with the military and are looking for reliable service and affordable rates, USAA is hard to beat. It’s a particularly good choice for drivers who plan to purchase full coverage, as its minimum coverage average falls slightly above the Fort Worth average. USAA is also an excellent option for families with teens — its average rates in Texas for policies with young drivers is among the lowest in the state.
USAA Fort Worth Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $143 | $70 |
| Annually | $1,711 | $839 |
| Difference from Fort Worth average | -22% | +3% |
4. Best for Rideshare Drivers - Allstate
What We Like Most:
- Numerous coverage add-ons
- Local Fort Worth agents
- Robust online quote tool
Why we chose it
Allstate’s Ride for Hire endorsement offers important coverage for rideshare drivers. The add-on is typically inexpensive, adding only $5 monthly to our sample quote. By comparison, State Farm advertises that its rideshare coverage typically increases premiums by 15 to 20 percent. The company also offers a number of other helpful add-ons, like new car replacement, insurance for driving to Mexico, and classic car coverage.
Who it’s best for
Allstate is a good choice for drivers who will benefit from its niche coverage options. For drivers on a budget, you can easily adjust your coverage in the company’s online quote tool and see the effect on your rate. Allstate pairs this strong online presence with the personalized service of local agents.
Allstate Fort Worth Pricing
| Allstate | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $206 | $70 |
| Annually | $2,466 | $836 |
| Difference from Fort Worth average | +13% | +2% |
5. Best with a DUI - Progressive
What We Like Most:
- Large, reputable provider
- Easy online quotes
- Affordable rates in Texas with a DUI
Why we chose it
Progressive is known nationally for offering affordable rates to drivers with DUIs, including in Texas — its rates for drivers in this category fall 24 percent below the statewide average. For drivers with clean records, its rates are slightly above the Fort Worth average, but it’s worth getting a quote to see how much you’ll pay. Progressive also offers a number of useful add-ons, including loan/lease payoff (similar to gap insurance), rideshare/delivery, and custom parts/equipment coverage.
Who it’s best for
Progressive is a good option for drivers purchasing full coverage and who plan to bundle home/auto, as they tend to qualify for the best rates. Its rates fall below or around average in Texas for drivers with clean records, DUIs, at-fault accidents, speeding tickets, and poor credit. It may not be the best choice for families with teen drivers, as its average rates in Texas are higher for this category.
Progressive Fort Worth Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $193 | $79 |
| Annually | $2,320 | $943 |
| Difference from Fort Worth average | +6% | +14% |
Fort Worth Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Texas2 | CRASH Network Insurer Report Card3 | J.D. Power Claims Satisfaction Study4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| Texas Farm Bureau | 628 | B- | Not rated | 1.81 |
| USAA* | 732 | D+ | 726 | 1.22 |
| State Farm | 645 | C- | 710 | 0.43 |
| Allstate | 636 | D | 691 | 4.05 |
| Progressive | 620 | C | 672 | 1.35 |
| Average | 640 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What it measures | Customer satisfaction, based on a large regional survey of customers | Satisfaction with the claims and payment processes, based on a survey of collision repair shops | Satisfaction with the overall claims process, based on a survey of customers who recently settled claims | Consumer complaints relative to market share; lower scores are better |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
TIP:
Compare quotes from at least three companies to find the cheapest rates. While our averages give a good sense of how much insurance might cost you, premiums are affected by all sorts of factors, such as your driving history, age, vehicle, and zip code. Our licensed experts shop the market for you with no hidden fees.
Cheapest Full Coverage Car Insurance in Fort Worth
On average, Texas Farm Bureau has the cheapest full coverage auto insurance in Fort Worth. With an annual average of $1,440, Texas Farm Bureau’s full coverage auto insurance is about 34 percent cheaper than the Fort Worth average. State Farm ($1,473 per year) and USAA ($1,711 per year) have the next-cheapest average rates in Fort Worth.
| Company | Monthly Fort Worth average | Annual Fort Worth average |
|---|---|---|
| Texas Farm Bureau | $120 | $1,440 |
| State Farm | $123 | $1,473 |
| USAA | $143 | $1,711 |
| GEICO | $178 | $2,139 |
| Progressive | $193 | $2,320 |
| Allstate | $206 | $2,466 |
| Fort Worth average | $182 | $2,181 |
| Texas average | $196 | $2,353 |
| U.S. average | $200 | $2,399 |
Cheapest Minimum Coverage Car Insurance in Fort Worth
Texas Farm Bureau also has the cheapest minimum coverage in Fort Worth, at $546 per year, on average — about 33 percent cheaper than the city average. Other cheap providers for minimum coverage include State Farm ($648 per year) and Allstate ($836 per year).
| Company | Monthly Fort Worth average | Annual Fort Worth average |
|---|---|---|
| Texas Farm Bureau | $46 | $546 |
| State Farm | $54 | $648 |
| Allstate | $70 | $836 |
| USAA | $70 | $839 |
| Progressive | $79 | $943 |
| GEICO | $82 | $979 |
| Fort Worth average | $68 | $817 |
| Texas average | $72 | $864 |
| U.S. average | $53 | $635 |
How Many Car Crashes Happen in Fort Worth?
According to the Texas Department of Transportation, there were a total of 12,865 reported car crashes in Fort Worth in 2024, including 116 fatalities.6 This was down slightly from 13,419 collisions and 120 fatalities in 2023. According to a Dallas-Fort Worth NBC report, many streets and intersections identified by the city government in 2019 as especially dangerous remain quite dangerous today, including Park Vista Boulevard, East Berry Street, and the intersection of Miller Avenue and Eastland Street.7
Minimum Auto Insurance Requirements in Fort Worth
Texas follows the 30/60/25 rule of liability coverage, meaning that drivers must have at least the following insurance coverage:
- $30,000 for bodily injuries suffered by one person
- $60,000 for bodily injuries per collision (for collisions involving more than one person)
- $25,000 for property damage
While minimum coverage in Texas covers more than it does in many states, it’s still worth looking into more complete coverage, as basic liability coverage fails to protect against a number of crash-related expenses.
Frequently Asked Questions
What happens if I get pulled over without auto insurance in Fort Worth?
If you get pulled over in Fort Worth and you don’t have auto insurance, you’ll probably wind up with a ticket if it’s the first time. According to the Texas Department of Insurance, you might be on the hook for a court fine of up to $350 for your first offense. For repeat offenses, you’ll face a fine of up to $1,000 and, potentially, license suspension.8
What if insurers won’t cover me because of my record?
Because coverage is voluntary on the part of individual insurance agencies, the state established the nonprofit Texas Automobile Insurance Plan Association (TAIPA) to make sure insurance is available to everyone in Texas who needs to drive. Through TAIPA, difficult-to-insure drivers are matched with agencies that will provide them access to minimum coverage insurance. Customers are eligible for TAIPA coverage only if they’ve been rejected by two other companies within the past 60 days.9
How expensive is car insurance in Fort Worth compared to the rest of the state/country?
On average, auto insurance in Fort Worth is less expensive than the state average. Full coverage costs $2,181 per year in Fort Worth, on average, compared with $2,353 per year in Texas overall. Minimum coverage in Fort Worth ($817 per year) is also cheaper than the Texas average ($864 per year). For comparison, the national averages are $2,399 for full coverage and $635 for minimum coverage.
What kinds of discounts on coverage am I eligible for?
Available auto insurance discounts vary from insurer to insurer. They may include, for example, discounts for bundling auto insurance with home insurance, having a safe driving history, and signing up for telematics-based programs. Make sure to ask your agent or provider what discounts you might be eligible for.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Fort Worth, Texas, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): A good claims handling process from an auto insurer is prompt, transparent and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Study, and financial strength from sources like AM Best and S&P. Real-life customer experiences are included when available.
- Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC Complaint Index, Better Business Bureau ratings, and app store reviews.
- Coverage options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap insurance, rideshare coverage and more.
Read more about our ratings and methodology.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
FAQs: Texas Farm Bureau Membership. Texas Heritage. (2023, July 10).
https://blog.txfb-ins.com/insurance-and-finance/texas-farm-bureau-membership-faqs/It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmCrashes and Injuries by Cities and Towns. Texas Department of Transportation. (2024).
https://www.txdot.gov/content/dam/docs/division/trf/crash-records/2024/14.pdfFort Worth streets identified as dangerous years ago are still among the most deadly. NBCDFW. (2024, May 16).
https://www.nbcdfw.com/investigations/fort-worth-vision-zero-most-dangerous-streets/3541761/FAQ: Auto insurance, claims, coverage issues, and more. Texas Department of Insurance. (2025).
https://www.tdi.texas.gov/consumer/auto-insurance-faq.htmlFor Insureds. TAIPA. (2025).
https://taipa.org/for-insured/
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