Cheap Car Insurance in Fort Worth

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in Fort Worth

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The Fort Worth area is crossed by Interstates 35, 20 and 30 and it’s home to one of the state’s notorious several-level interchanges known locally as the “Mixmaster.” Add in typical Texas weather, including thunderstorms that seem to come from nowhere and heat waves that can cause tire damage, and there is no shortage of reasons to have good car insurance coverage in Fort Worth. 

We’ve gathered data from real Jerry customers in the city to show you how your age, driving record, coverage preference and location within the city can impact your policy costs.

Cheapest minimum coverage insurance in Fort Worth

Texas requires drivers to carry these coverages at minimum:

  • $30,000 of bodily injury per person and $60,000 per accident.
  • $25,000 for property damage.

Here are the cheapest quotes for minimum coverage insurance in Fort Worth, based on quotes real Jerry customers have received.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$37 $439 Progressive 35 December 26, 2024 Fort Worth, TX 76106
$42 $507 Progressive 34 April 5, 2024 Fort Worth, TX 76102
$45 $539 Progressive 72 February 18, 2025 Fort Worth, TX 76123
$45 $545 The General 51 February 13, 2025 Fort Worth, TX 76115
$47 $565 Progressive 49 February 11, 2025 Fort Worth, TX 76135
$47 $565 Progressive 72 February 7, 2025 Fort Worth, TX 76123
$48 $575 Progressive 29 October 28, 2024 Fort Worth, TX 76140
$48 $575 Progressive 29 November 26, 2024 Fort Worth, TX 76140
$48 $577 Progressive 69 October 24, 2024 Fort Worth, TX 76131
$48 $579 Progressive 53 November 8, 2024 Fort Worth, TX 76112
Last Updated Feb 26, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Fort Worth

The Texas minimum coverThe Texas minimum coverage won’t be enough to pay for damage to your vehicle in an accident you cause, nor will it protect your finances if your car is stolen or damaged by weather.

  • Collision coverage pays to repair your vehicle after an accident, regardless of who is at fault.
  • Comprehensive coverage helps to pay for damage caused by non-collision events such as weather-related incidents, animal collisions or theft.

Here are the cheapest quotes for full coverage insurance that Jerry customers in Fort Worth have received.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$45 $539 Progressive 72 February 18, 2025 Fort Worth, TX 76123
$47 $565 Progressive 72 February 7, 2025 Fort Worth, TX 76123
$48 $575 Progressive 29 October 28, 2024 Fort Worth, TX 76140
$48 $575 Progressive 29 November 26, 2024 Fort Worth, TX 76140
$50 $601 Progressive 38 January 17, 2025 Fort Worth, TX 76111
$56 $677 Progressive 36 August 21, 2024 Fort Worth, TX 76131
$60 $726 Progressive 29 September 12, 2024 Fort Worth, TX 76177
$61 $728 Progressive 28 December 5, 2024 Fort Worth, TX 76179
$63 $753 Progressive 29 September 29, 2024 Fort Worth, TX 76177
$63 $754 Progressive 70 September 7, 2024 Fort Worth, TX 76104
Last Updated Feb 26, 2025

Cheapest car insurance for young drivers in Fort Worth (18-29 years old)

Insurers may view drivers between 18 and 29 years old as riskier because of their lack of experience, but that doesn’t mean they can’t find low-cost insurance. Here are some of the cheapest quotes that younger Fort Worth drivers have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$48 $575 Progressive 29 Yes October 28, 2024 Fort Worth, TX 76140
$48 $575 Progressive 29 Yes November 26, 2024 Fort Worth, TX 76140
$60 $726 Progressive 29 Yes September 12, 2024 Fort Worth, TX 76177
$61 $728 Progressive 28 Yes December 5, 2024 Fort Worth, TX 76179
$62 $741 The General 29 No January 3, 2025 Fort Worth, TX 76115
Last Updated Feb 26, 2025

Cheapest car insurance for mature drivers in Fort Worth (30-54 years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$37 $439 Progressive 35 No December 26, 2024 Fort Worth, TX 76106
$42 $507 Progressive 34 No April 5, 2024 Fort Worth, TX 76102
$45 $545 The General 51 No February 13, 2025 Fort Worth, TX 76115
$47 $565 Progressive 49 No February 11, 2025 Fort Worth, TX 76135
$48 $579 Progressive 53 No November 8, 2024 Fort Worth, TX 76112
Last Updated Feb 26, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$45 $539 Progressive 72 Yes February 18, 2025 Fort Worth, TX 76123
$47 $565 Progressive 72 Yes February 7, 2025 Fort Worth, TX 76123
$48 $577 Progressive 69 No October 24, 2024 Fort Worth, TX 76131
$48 $579 Progressive 60 No October 26, 2024 Fort Worth, TX 76103
$51 $614 Commonwealth Insurance 58 No December 17, 2024 Fort Worth, TX 76107
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with clean records in Fort Worth

A clean driving record can go a long way in getting an affordable car insurance policy. Here are the cheapest quotes that Fort Worth drivers with no claims or violations on their records have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$37 $439 Progressive 35 December 26, 2024 No Fort Worth, TX 76106
$45 $539 Progressive 72 February 18, 2025 Yes Fort Worth, TX 76123
$45 $545 The General 51 February 13, 2025 No Fort Worth, TX 76115
$47 $565 Progressive 49 February 11, 2025 No Fort Worth, TX 76135
$47 $565 Progressive 72 February 7, 2025 Yes Fort Worth, TX 76123
$48 $577 Progressive 69 October 24, 2024 No Fort Worth, TX 76131
$48 $579 Progressive 60 October 26, 2024 No Fort Worth, TX 76103
$50 $601 Progressive 38 January 17, 2025 Yes Fort Worth, TX 76111
$51 $615 Progressive 38 August 3, 2024 No Fort Worth, TX 76107
$53 $637 Progressive 48 January 17, 2025 No Fort Worth, TX 76244
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with low credit scores in Fort Worth

A low credit score may cause you to receive a higher insurance quote than someone with good credit would, meaning you may have to do extra comparison shopping to find a good rate. These are the cheapest auto insurance quotes that Fort Worth drivers with credit scores below 550 have received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $48 $579 Progressive 60 October 26, 2024 Fort Worth, TX 76103
<550 $51 $614 Commonwealth Insurance 58 December 17, 2024 Fort Worth, TX 76107
<550 $53 $637 Assurance America 60 October 28, 2024 Fort Worth, TX 76103
<550 $55 $665 Progressive 62 April 10, 2024 Fort Worth, TX 76114
<550 $61 $737 Progressive 38 January 10, 2025 Fort Worth, TX 76137
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with at-fault accidents in Fort Worth

An at-fault accident will likely result in a higher car insurance premium. Here are the lowest quotes that local drivers with at-fault accidents on their records have received via Jerry.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $42 $507 Progressive 34 No April 5, 2024 Fort Worth, TX 76102
At Fault With No Injury $48 $575 Progressive 29 Yes November 26, 2024 Fort Worth, TX 76140
At Fault With No Injury $48 $575 Progressive 29 Yes October 28, 2024 Fort Worth, TX 76140
At Fault With Injury $49 $589 Progressive 37 No December 17, 2024 Fort Worth, TX 76108
At Fault With No Injury $51 $614 Commonwealth Insurance 58 No December 17, 2024 Fort Worth, TX 76107
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with speeding tickets in Fort Worth

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $59 $703 Progressive 37 March 23, 2024 Fort Worth, TX 76116
Speeding under 15 $63 $755 Progressive 37 August 26, 2024 Fort Worth, TX 76116
Speeding over 15 $71 $851 Progressive 42 October 4, 2023 Fort Worth, TX 76179
Speeding over 15 $72 $868 Commonwealth Insurance 30 January 3, 2025 Fort Worth, TX 76179
Speeding over 15 $73 $871 Aspen 31 October 7, 2024 Fort Worth, TX 76116
Last Updated Feb 26, 2025

Cheapest car insurance for drivers with DUI in Fort Worth

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $110 $1,321 Bluefire 33 October 3, 2024 Fort Worth, TX 76120
DUI $112 $1,340 Bluefire 33 October 10, 2024 Fort Worth, TX 76120
DUI $116 $1,389 Aspen 40 September 7, 2023 Fort Worth, TX 76177
DUI $117 $1,405 Aspen 33 October 3, 2024 Fort Worth, TX 76120
DUI $117 $1,405 Bristol West 29 September 24, 2024 Fort Worth, TX 76137
Last Updated Feb 26, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.