Auto Insurance in Fort Worth

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Reviewed byJoel Ohman
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UPDATED: Sep 27, 2016

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Here's what you need to know...

  • Texas requires financial responsibility if you’re at fault in an accident. Purchasing insurance will give you the protection you’re required to have
  • Texas has more DUI fatalities than any other state and that fact will be reflected in your car insurance premiums
  • Compare companies online with a free quote tool to get started in your search for car insurance in Fort Worth

Fort Worth is a city located in Tarrant County, Texas. The population estimate of the city, as of 2014, was 812,238 and it has been growing since 2000 at a rapid rate.

With all these people in Fort Worth, we can assume there are a number of cars on the road that must be insured. If you are moving to or live in the Fort Worth area, you must ensure that you have the proper insurance for your vehicle in the event of an accident.

By purchasing car insurance, one can make sure their car is fully protected. We can help you find the best car insurance by entering your ZIP code above! We will do all the work for you and make sure you are fully protected.

Fort Worth Car Insurance Requirements and Laws

Drivers in Fort Worth must meet the requirements which are set forth by the state in order to drive on the roads. It is estimated though that approximately one in every five cars is operated by an uninsured motorist.

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Texas Car Insurance Requirements and Laws

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Any person driving in the state of Texas must have the ability to pay if they are responsible for an accident. Most choose to meet this requirement with an automobile liability insurance policy. What does a car insurance policy cover?

  1. Replacement of the other driver’s vehicle if it is totaled and you are at fault
  2. Repair of the other driver’s vehicle if it is damaged and you are at fault
  3. Medical expenses of the other driver and other parties injured as a result of your actions

The state also requires a certain amount of minimum coverage. Here is what each driver must maintain before hitting the streets of Forth Worth.

  1. $30,000 worth of coverage for each injured party
  2. $60,000 worth of coverage per accident
  3. $25,000 worth of property damage

If you are currently insured in Fort Worth, your policy should be checked on a regular basis. This ensures that you are covered if an accident does happen.

Financial responsibility in the form of car insurance must be proven if requested. There are a number of situations in which you may be asked to provide this proof. Here are just a few examples:

  1. When you attempt to register or renew a car registration in the city or state
  2. When you are stopped routinely or after an accident, if requested by a law enforcement officer
  3. When you go to obtain or renew a driver’s license

In the event you cannot provide the necessary proof of car insurance, you will be subject to penalties. Not only may you be fined for failure to have this coverage, you may also have your license suspended.

Either can cost you a great deal more than meeting the insurance requirements as set forth by the state.

Fort Worth Car Insurance Companies and Agents

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When you go to choose a Fort Worth car insurance company and/or agent, you will find that you have many to select from. Research on these various companies will be your responsibility.

All will ensure you obtain the minimum requirements by law so factors such as customer service, comprehensive coverage and policy rates will need to be looked at. Companies you may wish to look into to see if they meet your needs include:

  • Farmers Insurance
  • State Farm Insurance
  • Alfa Vision
  • Foremost
  • Infinity
  • MetLife Auto and Home
  • Safeco
  • The Hartford
  • Allstate
  • Kemper

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If you prefer to work one on one with an independent insurance agent, you will have a number to choose from. Some agencies that you may wish to consider when comparing car insurance include:

  • Tucker Agency
  • Granger Group
  • Cordell & Company Insurance
  • Rainbow Insurance Agency
  • Statesman Insurance Group

Average Fort Worth Car Insurance Rates

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If you are moving to the Fort Worth area or are purchasing a Fort Worth car insurance policy, expect to pay somewhere in the neighborhood of $1,292 for car insurance rates. Over a 50 year span, this will equate to $64,600.

When compared to other areas of the country, this rate is approximately 11% lower than the national average.

Many factors are taken into consideration when calculating the rates. They include auto theft rates, car policy laws, fixed prices, liability coverage requirements, payoff, and traffic concentration.

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Fort Worth Driving and Car Insurance Statistics

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Texas leads the country in DUI fatalities. In 2008, there were 59 fatal accidents in Forth Worth. Eighty-five cars and 130 people were involved. In addition, Fort Worth saw 20 pedestrian accidents and it is believed that.

This is not the only danger to your vehicle either which is why car insurance is so important. In 2013, 2,399 auto thefts were reported to the Fort Worth Police.

Fort Worth Car Insurance Comparison

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Take care when comparing online car insurance policies for the Fort Worth area. Many people choose to base their decision solely on the premium. This can be very dangerous as you may find when an accident does occur, that you do not have the coverage you thought you did.

Be sure to read the car insurance policies carefully to see what is included and excluded. By doing so, you can protect yourself if the worst does happen.

Customer service must be a factor that is considered when comparing car insurance rates. Accidents don’t always happen during normal business hours.

Will your insurance company be there for you in your time of need? This is of great importance when you find yourself injured or hurt in the middle of the night.

Comprehensive coverage should also be looked at closely when you are choosing this option. Will the insurer provide you with the current market value of the car or the replacement value?

Don’t rush the process when comparing Fort Worth car insurance companies. Take time and do some research. Make sure the company you are choosing is financially sound and will be there for you when you need them.

Hopefully, you will never need to call your insurance agent to help you after an accident, but if you do, taking these steps will help to ensure the process is as painless as possible.

To save you time, enter your ZIP code and compare car insurance quotes for FREE!

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