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Best Cheap Car Insurance in Fort Worth
Texas Farm Bureau, State Farm, USAA, Liberty Mutual, and Progressive are our top picks in Fort Worth.
Cheapest
Editor's Rating:
4.4/5
4.4/5Best Major Insurer
Editor's Rating:4.9/5
4.9/5
Average Cost in Fort Worth
- Full Coverage Monthly: $128
- Minimum Coverage Monthly: $56
Best for Military and Veterans
Editor's Rating:5/5
5/5
Average Cost in Fort Worth
- Full Coverage Monthly: $179
- Minimum Coverage Monthly: $73
Last updated: June 25, 2026
Key Takeaways: Car Insurance in Fort Worth, Texas
Texas Farm Bureau offers the least-expensive auto insurance in Fort Worth, with an average of $1,416 for full coverage and $546 for minimum coverage.
On average, auto insurance in Fort Worth is less expensive than the Texas average. Rates in Fort Worth average $2,510/year for full coverage and $705/year for minimum coverage.
Regional provider Texas Farm Bureau has the lowest rates. State Farm offers the cheapest rates among major providers.
USAA, Liberty Mutual, and Progressive are also top picks depending on your driver profile.
While this page is based on 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 Add-Ons: Liberty Mutual
- 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 | $1,416 | $546 | Above average |
| State Farm | $1,542 | $668 | Above average |
| USAA | $2,146 | $881 | Above average* |
| Liberty Mutual | Not available | Not available | Above average |
| Progressive | $2,228 | $859 | Below average |
| Fort Worth | $2,510 | $705 | – |
*USAA technically doesn’t qualify to rank in J.D. Power studies due to its eligibility restrictions.
Breaking Down the Best Cheap Providers in Fort Worth
1. Texas Farm Bureau - Cheapest
4.4
Editor's Rating:
- Average Fort Worth Rate for Minimum Coverage
- $46 mo.
- Average Fort Worth Rate for Full Coverage
- $118 mo.
Cheapest rates in Fort Worth- Regional insurer with local agents
- Offers online quotes
Membership required- Basic mobile tools
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. Texas Farm Bureau ranked above average on J.D. Power’s customer satisfaction survey for Texas. The provider also 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 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 | $118 | $46 |
| Annually | $1,416 | $546 |
| Difference from Fort Worth average | -43% | -22% |
TIP:
If you’re a student at one of Fort Worth’s many universities, you can save with a good student discount if you have a GPA of 3.0 or higher.
2. State Farm - Best Major Insurer
4.9
Editor's Rating:
- Average Fort Worth Rate for Minimum Coverage
- $56 mo.
- Average Fort Worth Rate for Full Coverage
- $128 mo.
- Competitive rates
- Local Fort Worth agents
- Good telematics discount
- Must complete quotes by phone
- No accident forgiveness
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 several discounts, including its telematics program Drive Safe & Save.
Who it’s best for
State Farm is a great choice for those looking for a large national insurer with 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 | $128 | $56 |
| Annually | $1,542 | $668 |
| Difference from Fort Worth average | -38% | -5% |
3. USAA - Best for Military and Veterans
5
Editor's Rating:
- Average Fort Worth Rate for Minimum Coverage
- $73 mo.
- Average Fort Worth Rate for Full Coverage
- $179 mo.
- Competitive rates
- Superb customer service
- Highest-scoring in Texas on J.D. Power
- Military eligibility required
- Limited to members
- Fewer branch locations
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 many 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 — after Texas Farm Bureau, its average rates in Texas for policies with young drivers are among the lowest in the state.
USAA Fort Worth Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $179 | $73 |
| Annually | $2,146 | $881 |
| Difference from Fort Worth average | -14% | +25% |
4. Liberty Mutual - Best for Add-Ons
4.5
Editor's Rating:
- Average Rate for Minimum Coverage
- $115 mo.
- Average Rate for Full Coverage
- $238 mo.
- Numerous coverage add-ons
- Local Fort Worth agents
- Robust online quote tool
- Telematics required for best savings
- Mixed reviews
Why we chose it
Liberty Mutual took third spot in Texas in J.D. Power’s customer satisfaction survey, and third spot nationally in its claims satisfaction survey.
The company offers extensive add-on coverages, including accident forgiveness, new car replacement, and insurance for driving to Mexico. Compared to the providers on our list, it offers more options for drivers in Fort Worth looking for customized auto insurance — including specialized policies and car insurance discounts for teachers.
Liberty Mutual’s rates tend to be higher than the national average, but actual premiums depend on your driving history, zip code, and other factors. While Liberty Mutual’s pricing data for Fort Worth is unavailable, it’s worth getting a quote.
Who it’s best for
Liberty Mutual is a good choice for drivers who will benefit from its add-on coverage options, including teachers and drivers with new vehicles. It’s also an ideal choice for those with a clean record, as it tends to offer high rates to high-risk drivers.
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. Liberty Mutual pairs this strong online presence with the personalized service of local agents.
5. Progressive - Best with a DUI
4.7
Editor's Rating:
- Average Fort Worth Rate for Minimum Coverage
- $72 mo.
- Average Fort Worth Rate for Full Coverage
- $186 mo.
- Large, reputable provider
- Easy online quotes
- Affordable rates in Texas with a DUI
- Mixed reviews for customer service
- Gap insurance won’t necessarily cover full amount owed
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 are 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 several 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 who purchase full coverage and plan to bundle home/auto, as they qualify for the best rates. Its rates fall below or around average in Texas for drivers with clean records, DUIs, and poor credit.
It may not be the best choice for those with at-fault accidents and speeding tickets or 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 | $186 | $72 |
| Annually | $2,228 | $859 |
| Difference from Fort Worth average | +11% | +22% |
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 | 651 | B | Not rated | 1.14 |
| USAA* | 711 | C- | 741 | 3.01 |
| State Farm | 662 | D+ | 716 | 1.80 |
| Liberty Mutual | 662 | D+ | 730 | 2.34 |
| Progressive | 635 | C- | 673 | 2.65 |
| Average | 648 (out of 1,000) | C+ | 700 (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 $1,416, Texas Farm Bureau’s full coverage auto insurance is about 43 percent cheaper than the Fort Worth average. State Farm ($1,542 per year) and AAA ($1,645 per year) have the next-cheapest average rates in Fort Worth.
| Company | Monthly Fort Worth average | Annual Fort Worth average |
|---|---|---|
| Texas Farm Bureau | $118 | $1,416 |
| State Farm | $128 | $1,542 |
| AAA (Auto Club of Southern California) | $137 | $1,645 |
| GEICO | $175 | $2,100 |
| USAA | $179 | $2,146 |
| Progressive | $186 | $2,228 |
| Allstate | $220 | $2,637 |
| Fort Worth average | $209 | $2,510 |
| Texas average | $235 | $2,821 |
| U.S. average | $196 | $2,356 |
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 22 percent cheaper than the city average. Other cheap providers for minimum coverage include State Farm ($668 per year) and GEICO ($799 per year).
| Company | Monthly Fort Worth average | Annual Fort Worth average |
|---|---|---|
| Texas Farm Bureau | $46 | $546 |
| State Farm | $56 | $668 |
| GEICO | $67 | $799 |
| Progressive | $72 | $859 |
| Allstate | $72 | $864 |
| USAA | $73 | $881 |
| Fort Worth average | $59 | $705 |
| Texas average | $80 | $960 |
| U.S. average | $60 | $722 |
How Many Car Crashes Happen in Fort Worth?
According to the Texas Department of Transportation, there were a total of 16,913 reported car crashes in Fort Worth in 2025, including 112 fatalities.6 Compared to 2024, this was up significantly from 12,865 collisions, but slightly down from 116 fatalities. 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 damage8
While minimum coverage in Texas covers more than it does in many states, consider more complete coverage, as liability coverage fails to protect against many crash-related expenses.
Frequently Asked Questions
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.9
Because coverage is voluntary for individual insurance agencies, the state established the nonprofit Texas Automobile Insurance Plan Association (TAIPA) to make insurance available to Texas drivers. Through TAIPA, difficult-to-insure drivers match with agencies that provide access to minimum coverage insurance. Customers are eligible for TAIPA coverage only if two other companies have rejected them within the past 60 days.10
On average, auto insurance in Fort Worth is less expensive than the state average. Full coverage costs $2,510 per year in Fort Worth, on average, compared with $2,821 per year in Texas overall. Minimum coverage in Fort Worth ($705 per year) is also cheaper than the Texas average ($960 per year). For comparison, the national averages are $2,356 for full coverage and $722 for minimum coverage.
Available auto insurance discounts vary by 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.
Sources
FAQs: Texas Farm Bureau Membership. Texas Heritage. (2023, July 10).
https://blog.txfb-ins.com/insurance-and-finance/texas-farm-bureau-membership-faqs/Auto Insurers Struggle to Maintain Seamless Interactions Across Channels, JD Power Finds. JD Power. (2026, June 09).
https://www.jdpower.com/business/press-releases/2026-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmTxDOT Dashboards:2025 Preliminary Fatal Injury Summary. Texas Department of Transportation. (2025).
https://cris.dot.state.tx.us/public/Query/app/dashboard-viewer/view/61Fort 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/Auto insurance guide. Texas Department of Insurance. (2026).
https://www.tdi.texas.gov/pubs/consumer/cb020.htmlFAQ: Auto insurance, claims, coverage issues, and more. Texas Department of Insurance. (2026).
https://www.tdi.texas.gov/consumer/auto-insurance-faq.htmlFor Insureds. TAIPA. (2026).
https://taipa.org/for-insured/
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