Car Insurance in Fort Worth, Texas
Estimated full coverage in Fort Worth runs about $2,060 a year ($172/month) — ▲ +9% versus the Texas average, ranking 16th most expensive of the 57 Texas cities we cover.
Why car insurance in Fort Worth costs more than the Texas average
Insurers price by territory, and Fort Worth's numbers explain most of the gap. With 1,008,106 residents on 351.9 square miles, the city's density (2,865 people per square mile) is 4.3 times the density where the typical Texas resident lives (670). The average commute is 27.1 minutes (Texas: 26.7), and 72% of workers drive alone. Together these put our location factor at 1.09× the state baseline for liability and collision.
| Factor | Fort Worth | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 2,865 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 27.1 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 7.9% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 71.7% | — | Share of workers commuting by car. |
| Public transit to work | 0.5% | — | Transit use lowers how much residents drive. |
| Work from home | 14.0% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 5.5% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 90.8 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Fort Worth
Rates can change from one ZIP code to the next. Across 31 Fort Worth ZIP codes, our full-coverage estimate ranges from $1,750 in 76127 to $2,150 in 76244. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 76244 | 76,728 | 5,147 | 28.7 min | 1.5% | $2,150 | +4% |
| 76137 | 60,352 | 4,441 | 27.5 min | 1.0% | $2,110 | +2% |
| 76131 | 56,322 | 3,625 | 28.9 min | 2.7% | $2,115 | +3% |
| 76133 | 53,958 | 5,788 | 27.4 min | 5.9% | $2,140 | +4% |
| 76119 | 52,974 | 3,325 | 27.2 min | 10.8% | $2,075 | +1% |
| 76116 | 49,856 | 4,059 | 24.3 min | 14.6% | $2,050 | 0% |
| 76112 | 44,514 | 3,929 | 26.1 min | 8.9% | $2,075 | +1% |
| 76123 | 42,957 | 4,061 | 28.4 min | 3.5% | $2,115 | +3% |
| 76106 | 35,946 | 2,483 | 26.2 min | 4.5% | $2,030 | −1% |
| 76052 | 34,249 | 826 | 34.8 min | 1.7% | $2,055 | 0% |
| 76110 | 33,441 | 5,834 | 25.0 min | 7.4% | $2,100 | +2% |
| 76040 | 31,677 | 4,039 | 24.5 min | 4.0% | $2,050 | 0% |
| 76107 | 30,994 | 2,893 | 22.8 min | 6.2% | $1,990 | −3% |
| 76134 | 29,949 | 3,481 | 24.6 min | 6.8% | $2,040 | −1% |
| 76114 | 27,357 | 2,824 | 26.1 min | 8.6% | $2,040 | −1% |
| 76132 | 26,927 | 3,631 | 23.9 min | 10.3% | $2,030 | −1% |
| 76109 | 26,006 | 3,185 | 20.3 min | 3.7% | $1,960 | −5% |
| 76177 | 25,012 | 1,214 | 27.1 min | 4.6% | $1,975 | −4% |
| 76105 | 22,228 | 3,772 | 26.6 min | 10.0% | $2,080 | +1% |
| 76120 | 21,102 | 2,820 | 28.0 min | 4.2% | $2,070 | 0% |
| 76111 | 20,989 | 2,831 | 25.6 min | 4.1% | $2,035 | −1% |
| 76104 | 20,443 | 3,483 | 22.7 min | 9.3% | $2,005 | −3% |
| 76115 | 19,655 | 4,231 | 24.6 min | 3.8% | $2,060 | 0% |
| 76135 | 19,445 | 758 | 28.6 min | 4.8% | $1,950 | −5% |
| 76118 | 17,991 | 1,845 | 25.0 min | 2.0% | $1,980 | −4% |
| 76103 | 15,975 | 2,615 | 25.8 min | 6.0% | $2,030 | −1% |
| 76164 | 13,457 | 3,409 | 25.7 min | 7.0% | $2,055 | 0% |
| 76102 | 11,895 | 2,638 | 21.1 min | 8.4% | $1,950 | −5% |
| 76155 | 6,533 | 1,853 | 20.9 min | 2.8% | $1,915 | −7% |
| 76127 | 1,729 | 798 | 4.1 min | 0.0% | $1,750 | −15% |
| 76129 | 1,641 | 19,771 | 15.8 min | — | $2,065 | 0% |
Minimum car insurance in Fort Worth
Fort Worth drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Fort Worth at $750 a year, and $1,050 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Fort Worth premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Tarrant County as very high for hail, relatively high for inland flooding and relatively moderate for strong wind, and relatively low for hurricanes.
Traffic & commuting
7.9% of Fort Worth commuters spend an hour or more getting to work, and there are 1.84 vehicles per household. 14.0% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 100.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.9 | Comprehensive; dwelling | |
| Hurricane | 72.3 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.1 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 82.8 | Comprehensive; dwelling | |
| Winter weather | 97.3 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Fort Worth by driver profile
A clean-record driver in their 50s pays the least in our Fort Worth model (about $1,895 for full coverage); an 18-year-old on their own policy pays about $5,665, and a DUI pushes a 30-something to $3,810.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,065 | $2,880 | $5,665 | $472 |
| Young adult (22) | $1,205 | $1,675 | $3,295 | $275 |
| Adult in their 30s | $750 | $1,050 | $2,060 | $172 |
| Adult in their 50s | $690 | $965 | $1,895 | $158 |
| Senior (72) | $840 | $1,175 | $2,305 | $192 |
| 30s, one at-fault accident | $1,090 | $1,520 | $2,985 | $249 |
| 30s, DUI on record | $1,390 | $1,940 | $3,810 | $318 |
Minimum vs. standard vs. full coverage in Fort Worth
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $750 | $63 | $615–$885 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,050 | $87 | $860–$1,235 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,060 | $172 | $1,690–$2,430 |
Estimate your premium in Fort Worth
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Cheap car insurance in Fort Worth: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Fort Worth's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $140 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $145 | You're among the 14.0% of Fort Worth workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $555 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $1,010 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $450 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Fort Worth
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 225 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Fort Worth, our estimates differ by up to $400 a year between neighborhoods.
Car insurance agents near Fort Worth, TX
We found 225 insurance offices within about 14 miles of central Fort Worth, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Maria De Los Angeles Gonzalez-Rosas - Farmers Insurance
2100 N Main St, Fort Worth, TX 76164 -
Michael Brewer - State Farm
1500 N Main Street, Suite 100, Ft Worth, TX 76164 -
Farmers Insurance - David Ramirez Agency
1500 N Main St, #129, Fort Worth, TX 76164 -
Marco Murillo - State Farm
303 W Central Avenue, Fort Worth, TX 76164 -
Lourdes Serna Chacon - Farmers Insurance
222 W Exchange Ave, Fort Worth, TX 76164 -
Northside Insurance Agency
1237 Lincoln Avenue, , TX -
A-MAX Auto Insurance
TX -
Freeway Insurance
1912 NE 28th St, Fort Worth, TX 76106 -
Moon Badrul Hasan - Farmers Insurance
201 Main St, Fort Worth, TX 76102 -
SR22 Insurance Texas Savings
1020 Macon Street, #10, Fort Worth, TX 76102 -
Gustavo T Garcia - Farmers Insurance
4016 N Main St, Fort Worth, TX 76106 -
Clinton Bradley - Farmers Insurance
1415 Summit Ave, Fort Worth, TX 76102 -
Derrick L Merchant - Farmers Insurance
101 S Jennings Ave, Fort Worth, TX 76104 -
Mitchell Angeles - Farmers Insurance
5171 River Oaks Blvd, River Oaks, TX 76114 -
James Martin Harrison - Farmers Insurance
2501 Parkview Dr, Fort Worth, TX 76102 -
Mayra Menchaca - Allstate
5204 Jacksboro Hwy, Fort Worth, TX 76114 -
Charla Brotherton - Farmers Insurance
101 Nursery Ln, Fort Worth, TX 76114 -
Maria Amaya - Allstate
1000 Forest Park Blvd, Ste 402, Fort Worth, TX 76110 -
Tom Ha Insurance Agency
TX -
Vincent Adams - State Farm
5932 River Oaks Blvd, Fort Worth, TX 76114 -
Imelda L Estrada - Farmers Insurance
4455 Camp Bowie Blvd, Fort Worth, TX 76107 -
Ruben Paul Mercado - Farmers Insurance
4500 Mercantile Plz Dr, Fort Worth, TX 76137 -
State Farm - Geneva Castaneda
2830 North Beach Street, Ste G, Haltom City, TX 76111 -
Jonathan T Bao - Farmers Insurance
4125 E Belknap St, Haltom City, TX 76111 -
Stephen Thomas - Allstate
1509 S University Dr, Ste 218, Fort Worth, TX 76107 -
Zoraide Angelys Sanchez Rivera - Farmers Insurance
5840 Jacksboro Hwy, Fort Worth, TX 76114 -
David Michael Powell - Farmers Insurance
3901 West Fwy, Fort Worth, TX 76107 -
Jose Jesus Alfaro - Farmers Insurance
4209 Broadway Ave, Haltom City, TX 76117 -
Matt Poston - State Farm
3417 Hulen Street, Suite 203, Fort Worth, TX 76107 -
Samuel Puentes - Farmers Insurance
2501 Frst Park Blvd, Fort Worth, TX 76110 -
Dale Mares - Allstate
3904 Boat Club Rd, Ste A, Fort Worth, TX 76135 -
David A Offutt - Farmers Insurance
4528 W Vickery Blvd, Fort Worth, TX 76107 -
Farmers Insurance - Vashi Agency
3880 Hulen St, Fort Worth, TX 76107 -
Roberto Erasmo Palencia - Farmers Insurance
3902 Sandshell Dr, Fort Worth, TX 76137 -
Miriam Rodriguez - State Farm
5800 Camp Bowie Blvd, Suite 130, Fort Worth, TX 76107 -
Casey Dwayne Clayborn - Farmers Insurance
4767 Boat Club Rd, Fort Worth, TX 76135 -
Michael T Palmer - Farmers Insurance
424 Belmont St, Saginaw, TX 76179 -
Freeway Insurance
3524 E Lancaster Ave, Fort Worth, TX 76103 -
Larry Kardaras - Farmers Insurance
3124 Sandage Ave, Fort Worth, TX 76109 -
Steven Barber - State Farm
209 Belmont St., Saginaw, TX 76179
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Fort Worth
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,545 | −25% |
| Subaru Outback | Wagon | $1,550 | −25% |
| Tesla Model 3 | Midsize car | $2,145 | +4% |
| Subaru Forester | Small SUV | $1,520 | −26% |
| Honda Civic | Compact car | $2,320 | +13% |
| Toyota Corolla | Compact car | $2,175 | +6% |
| Jeep Wrangler | Midsize SUV | $1,685 | −18% |
| Mazda CX-5 | Small SUV | $1,730 | −16% |
| MINI Cooper | Subcompact car | $1,555 | −25% |
| Tesla Model Y | Midsize SUV | $1,930 | −6% |
More car insurance topics in Fort Worth
Car insurance in nearby Texas cities
- Arlington $2,095/yr · 14 mi
- Southlake $1,955/yr · 17 mi
- Grand Prairie $2,080/yr · 20 mi
- Irving $2,040/yr · 23 mi
- Lewisville $2,030/yr · 29 mi
- Carrollton $2,030/yr · 30 mi
- Denton $1,940/yr · 32 mi
- Dallas $2,070/yr · 34 mi
- Richardson $2,040/yr · 39 mi
- Plano $2,065/yr · 39 mi
- Frisco $2,105/yr · 40 mi
- Garland $2,160/yr · 43 mi
All Texas cities and state rules · Homeowners insurance in Fort Worth
Frequently asked questions
How much is car insurance in Fort Worth, TX?
We estimate full coverage in Fort Worth at about $2,060 a year ($172 a month) for a driver in their 30s with a clean record, and about $750 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Fort Worth more expensive than the Texas average?
Our Fort Worth estimate is 9% higher than the statewide figure. The model reflects a population density of 2,865 people per square mile (the typical Texas resident lives at about 670) and an average commute of 27.1 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Fort Worth?
Drivers in Fort Worth follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Fort Worth has the cheapest car insurance?
Among Fort Worth's 31 ZIP codes, 76127 has the lowest estimate (about $1,750 a year for full coverage) and 76244 the highest (about $2,150), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Fort Worth?
An 18-year-old with their own full-coverage policy would pay around $5,665 a year in Fort Worth by our estimate ($2,065 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Fort Worth?
Yes. FEMA's National Risk Index rates Tarrant County for hail (very high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Fort Worth?
We list 225 insurance offices in and around Fort Worth, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Fort Worth and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places