Find Car Insurance in Fort Worth, TX
What You Should Know About Car Insurance in Fort Worth, Texas
Fort Worth is a sprawling city stretching across five different counties in the state of Texas. Originally founded in 1849 as an army outpost, it has long been the center of the Texas longhorn cattle trade. The city enjoyed an explosion in growth in the late 1800s as the Texas and Pacific Railway connected the city to the rest of the country.
Today, Fort Worth thrives under its self-given nickname as the “City of Cowboys and Culture.” In addition to embracing its Western heritage, it also has a thriving local arts scene. Fort Worth is home to a number of professional sports teams, as well as Texas Christian University. The city is also home to the Texas Motor Speedway and multiple rodeos throughout the year.
Attending events involving sports or the arts typically requires you to drive throughout Fort Worth, and accidents are unfortunately common. When you purchase an auto insurance in Texas policy from InsureOne, it can shield you from injury claims made by other drivers.
How Much Does Car Insurance Cost in Fort Worth, Texas?
The cost of car insurance varies depending on a few factors, including your policy limits. The most important factor is whether you purchase the minimum amount of liability insurance or if you rely on full coverage at a higher price.
In Texas, motorists can expect to pay around $2,296 annually for full coverage. The cost of liability-only policies is dramatically lower, running $1,434 on average. The average cost of full coverage in Texas is close to the amount drivers pay nationally: $2,314 per year. However, liability coverage at the minimum level required is lower at the national level, coming in at only $644 per year.
At InsureOne, our expert agents are here to help you find liability insurance with flexible options and the white-glove service you deserve.
Why Is Car Insurance So Expensive in Texas?
Different factors contribute to the high cost of auto insurance in Texas. One of the biggest factors is the high rate of uninsured and underinsured drivers. With so many drivers lacking basic coverage, the cost of policies increases for those who have insurance.
Texas is also a large state with densely populated cities and enormous traffic volumes. The more cars there are on the road, the greater the chance of an accident. The cost of coverage even increases for those who live in zip codes that have a lot of accidents each year. Given these risks, it is important to have auto coverage in case of emergencies.
Car Insurance Rates Comparison by City in Texas
Below is a comparison of the average monthly premiums paid in various cities across Texas.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Fort Worth | $201 | $130 |
| Houston | $206 | $124 |
| Dallas | $226 | $144 |
| El Paso | $148 | $101 |
| Spring | $181 | $116 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Fort Worth
Purchasing two or more different policies from the same carrier is known as bundling, and it is one of the best ways to save money. When you bundle your auto and home protection policies with InsureOne, you can save up to 25% on your total bill.
On top of saving money on your auto or homeowners insurance policies, you can also save time and simplify the claims process. Life is simpler when all your insurance questions and concerns go through one point of contact.
What Types of Car Insurance Discounts Are Available in Fort Worth?
Insurance companies offer a wide range of discounts to help you save on your bill. These discounts often coincide with good
behavior, which means you are less likely to be involved in an accident. Some common discounts include:
- Good student discount
- Auto pay discount
- Anti-theft discount
- Safe driver discount
- Multi-vehicle discount
- Veteran discount
Notable Car Insurance Laws in Fort Worth
Texas has several laws related to auto insurance. Drivers must carry a minimum amount of liability coverage, and failing to do so can lead to costly fines.
What Are the Mandatory Car Insurance Requirements in Fort Worth?
In Texas, each driver has an obligation to maintain a minimum amount of liability insurance every time they get behind the wheel. These policies exist to cover the cost of third-party claims when you are at fault in an accident. The minimum coverage includes:
- $30,000 for bodily injuries per person
- $60,000 for bodily injuries per accident
- $25,000 for property damage per accident
What Is the Penalty for Driving Without Insurance in Fort Worth?
It is against Texas law to drive without auto coverage. If you get behind the wheel without the minimum amount of car coverage, a ticket will cost you $350. That amount goes up to $1,000 for second or subsequent offenses. While there is no risk of jail time for this offense, driving without insurance also leaves you at risk of paying for an accident on your own. Our expert agents can help you find a policy that protects your interests and complies with state law.
Do Fort Worth-Specific Laws Play a Role in Determining Your Insurance Premiums?
There are no city-wide ordinances or regulations that impact the cost of your car policy. However, plenty of other factors play a role. They include:
- Your age. Teenagers and drivers in their 80s pay more than everyone else. This is due to the increased risk of causing an accident.
- Your education. Drivers with higher education levels will generally pay less each month for their insurance.
- The car you drive. Domestic vehicles are usually less costly to insure than foreign models.
- Accident history. Prior accidents or traffic tickets will increase the cost of your coverage.
What Is the Best Car Insurance for Teenagers and Their Family in Texas?
When it comes to families with teenagers, it is important to have car insurance that considers their increased likelihood of being in an accident. Teen drivers are more likely to cause a crash for several reasons, from their lack of experience to the fact that the teenage brain is not fully developed and matured.
Because of this increased risk, purchasing full coverage auto insurance is a good idea. These policies cover teenagers when another driver blames them for a crash and pay for the cost of repairs for your vehicle.
Typical Driving Conditions in Fort Worth
Fort Worth is the 12th largest city in the nation and part of one of the most populous metropolitan areas in North America. The high volume of traffic represents a constant risk of accidents both on busy highways and the side streets that crisscross this city.
In addition to traffic, Fort Worth also experiences high temperatures throughout much of the year. The heat is more than a health risk; it can also damage your vehicle. Fort Worth residents can benefit from taking steps to protect their cars from damage caused by the heat.
How Many Car Accidents Happen in Fort Worth Per Year?
There were a total of 13,445 vehicle accidents in Fort Worth in 2023. Here is a comparison of annual Fort Worth fatal accidents to other cities in Texas in 2023:
| City | Annual Average Number of Fatal Car Crashes |
|---|---|
| Fort Worth | 111 |
| Denton | 16 |
| El Paso | 74 |
| Irving | 23 |
| Houston | 274 |
How Many Uninsured/Underinsured Motorists Are in Fort Worth?
Texas has one of the highest rates of uninsured drivers in the country. According to the Texas Department of Transportation, 20% of drivers in the state lack any liability coverage. That means one of every five motorists you share the road with is uninsured. The number of uninsured drivers — those motorists with low policy limits that will not cover the full cost of the crash — pushes this total percentage even higher.
If you are involved in an accident with an uninsured driver, you could be forced to pay for that accident on your own. The benefit of uninsured motorist coverage (UM) is that it will pay for your losses if they are caused by an uninsured, underinsured or hit-and-run driver.
Get Covered by the Best Car Insurance in Fort Worth, Texas, Today
InsureOne has plenty of insurance options for Fort Worth residents looking for auto coverage. We shop policies from multiple carriers to help you get the best deal possible. Our expert agents provide white-glove service while focusing on top-tier, one-stop insurance shopping convenience.
We can save you time and money by researching policies and pricing. Get a quote online, visit us at an office near you near you, or call us at (800) 836-2240.