Fort Worth drivers pay an average of $3,035/year — $1,264 more than the national average. With 14,717 crashes per year and a 5.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $1,319/year.
(888) 217-6781Estimated full coverage auto insurance rates for Fort Worth, TX from top carriers. Rates are adjusted for Fort Worth's 14,717 annual crashes, 5.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $1,009 | $168/mo |
| GEICO | $1,150 | $192/mo |
| Progressive | $1,299 | $216/mo |
| State Farm | $1,419 | $236/mo |
| Allstate | $1,729 | $288/mo |
Estimates based on 2026 rate filings for ZIP 76104. USAA is cheapest at ~$168/mo. Actual rates vary by driver profile and exact Fort Worth location.
These Fort Worth-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Fort Worth, TX. Takes under 2 minutes.
(888) 217-6781Fort Worth is one of the largest metropolitan areas in Texas, and its size directly impacts auto insurance rates. With a population of 918,915, the city sees heavy traffic volume, higher accident frequency, and elevated vehicle theft — all factors that push premiums above the state average. Major highways running through Fort Worth create high-risk corridors where multi-vehicle accidents are common. Despite higher base rates, Fort Worth drivers can find significant savings by comparing carriers.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Fort Worth can swing your premium by hundreds of dollars. Here's how rates compare across Fort Worth neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 76116 | Fort Worth South Side | $2,889/yr | $241/mo |
| 76106 | Fort Worth North Side | $2,905/yr | $242/mo |
| 76124 | Fort Worth West Side | $3,046/yr | $254/mo |
| 76110 | Fort Worth East Side | $3,079/yr | $257/mo |
| 76104 | Fort Worth Downtown/Central | $3,227/yr | $269/mo |
The cheapest ZIP is 76116 (Fort Worth South Side) at $2,889/yr. The most expensive is 76104 (Fort Worth Downtown/Central) at $3,227/yr — a $338/year difference for the same driver.
Your Fort Worth ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Fort Worth. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $6,374/yr | $531/mo | +110% vs avg |
| Young Adult (20-25) | $4,249/yr | $354/mo | +40% vs avg |
| Adult (26-35) | $3,035/yr | $253/mo | 0% vs avg |
| Mid-Career (36-50) | $2,671/yr | $223/mo | -12% vs avg |
| Senior (51-65) | $2,519/yr | $210/mo | -17% vs avg |
| 65+ | $2,701/yr | $225/mo | -11% vs avg |
Teens in Fort Worth pay an average of $6,374/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,519/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Fort Worth drivers can save up to $1,319/year. ZIP 76116 (Fort Worth South Side) has the lowest rates starting at $2,889/yr.
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