Fort Worth Car Insurance – Cheapest Cars to Insure in 2025

• The average cost of car insurance in Fort Worth is $2,334 per year, or $195 per month.
• For cheap auto insurance in Fort Worth, SUV models like the Subaru Crosstrek, Kia Soul, and Chevrolet Trailblazer cost less than most other vehicles.

How much is car insurance in Fort Worth, TX?

The average price for car insurance in Fort Worth is $2,334 per year, which is 2.5% more than the overall national average rate of $2,276. The average monthly cost of car insurance in Fort Worth is $195 for a policy that provides full coverage.

Average auto insurance cost in Texas is $2,394 per year, so Fort Worth, Texas, drivers pay an average of $60 less per year than the overall Texas state-wide average rate. The average cost of auto insurance in Fort Worth compared to other Texas locations is around $58 per year less than in San Antonio, $230 per year cheaper than in Dallas, and $222 per year less than in Houston.

Driver age is one of the biggest determining factors on the cost of car insurance. The list below illustrates these differences by showing average car insurance rates for drivers from 16 to 60.

Fort Worth, Texas, car insurance cost for drivers age 16 to 60

• 16 year old – $8,320 per year or $693 per month
• 17 year old – $8,060 per year or $672 per month
• 18 year old – $7,223 per year or $602 per month
• 19 year old – $6,578 per year or $548 per month
• 20 year old – $4,702 per year or $392 per month
• 30 year old – $2,492 per year or $208 per month
• 40 year old – $2,334 per year or $195 per month
• 50 year old – $2,072 per year or $173 per month
• 60 year old – $1,940 per year or $162 per month

The chart below shows average auto insurance cost in Fort Worth, Texas, for all 2024 models. Rates are averaged for all Fort Worth Zip Codes and shown not only by driver age, but also by physical damage coverage deductibles.

Average car insurance rates in the prior chart range from $1,640 per year for a policy with high deductibles for a 60-year-old driver to $5,468 per year for a 20-year-old driver with a low deductible policy.

For monthly budgeting purposes, the average cost of car insurance per month in Fort Worth ranges from $137 to $456.

Which cars have cheap insurance in Fort Worth?

The vehicles with the cheapest average insurance quotes in Fort Worth, TX, tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Hyundai Venue.

Average insurance rates for those models cost $158 or less per month to get full coverage.

A few other models that come in near the top in our auto insurance price comparison are the Acura RDX, Subaru Outback, Kia Niro, and Buick Envista.

The average insurance cost is slightly higher for those models than the cheapest compact SUVs and crossovers that rank near the top, but they still have an average insurance cost of $2,030 or less per year ($169 per month) in Fort Worth.

The next table lists the top 25 models with the cheapest car insurance rates in Fort Worth, sorted by annual and monthly insurance cost.

The above table containing 25 vehicles with the cheapest insurance in Fort Worth probably isn’t the best way to show a comprehensive summary of car insurance rates in Fort Worth. A more useful way to group rates for more vehicle models is by organizing them by automotive segment. The following six sections list the vehicles with the lowest cost insurance rates in Fort Worth for the six main vehicle segments.

Cheapest cars to insure in Fort Worth, Texas

The three highest ranking 2-door and 4-door sedans and hatchbacks with the lowest-cost car insurance in Fort Worth are the Toyota GR Corolla at $2,030 per year, the Nissan Leaf at $2,044 per year, and the Honda Civic at $2,068 per year.

Other models that are affordable to insure are the Chevrolet Malibu, Toyota Prius, Honda Accord, and Toyota Corolla, with an average cost of $2,278 per year or less.

Ranked lower than 10th place, but still in the top 20, cars like the Toyota Crown, Hyundai Ioniq 6, Volkswagen Jetta, Mitsubishi Mirage G4, and Mazda 3 average between $2,278 and $2,416 per year for auto insurance in Fort Worth.

From a monthly standpoint, auto insurance on this segment in Fort Worth can cost as low as $169 per month, depending on where you live. The next table ranks the twenty cars with the most affordable average auto insurance rates in Fort Worth, starting with the Toyota GR Corolla at $2,030 per year ($169 per month) and ending with the Mazda 3 at $2,416 per year ($201 per month).

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Fort Worth car insurance quotes from top-rated companies in Texas.

Cheapest SUVs to insure in Fort Worth

The top four non-luxury SUVs with the most affordable auto insurance in Fort Worth are the Subaru Crosstrek at $1,726 per year, Chevrolet Trailblazer at $1,756 per year, Kia Soul at $1,824 per year, and Nissan Kicks at $1,842 per year.

Also ranking well in our comparison are SUVs like the Ford Bronco Sport, Hyundai Venue, Toyota Corolla Cross, and Mazda CX-5, with an average cost to insure of $1,916 per year or less.

Ranked from 10th to 20th place, SUVs like the Volkswagen Taos, Honda HR-V, Volkswagen Tiguan, Subaru Outback, and Honda CR-V average between $1,916 and $2,032 per year to insure in Fort Worth.

From a cost per month standpoint, car insurance in Fort Worth on this segment can cost as low as $144 per month, depending on where you live.

If insurance rates are ranked by vehicle size, the most affordable compact SUV to insure in Fort Worth is the Subaru Crosstrek at $1,726 per year. For midsize SUVs, the Honda Passport has the best rates at $1,860 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,196 per year.

The comparison table below ranks the SUVs with the most affordable auto insurance rates in Fort Worth, starting with the Subaru Crosstrek at $144 per month and ending with the Subaru Ascent at $169 per month.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Looking for rates for a different SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Fort Worth car insurance quotes from top-rated car insurance companies in Texas.

Cheapest pickup insurance rates in Fort Worth

Ranked at #1 in Fort Worth for cheapest average insurance in the pickup truck segment is the Chevrolet Colorado, at an average of $2,058 per year. Second place is the Nissan Titan costing $2,184 per year, and ranking third is the Nissan Frontier, at an average of $2,208 per year.

Additional models that rank well in our comparison are the Hyundai Santa Cruz, GMC Sierra 2500 HD, GMC Canyon, and Honda Ridgeline, with average rates of $2,402 per year or less.

As a cost per month, full-coverage insurance in Fort Worth on this segment will start around $172 per month, depending on your company and location. The comparison table below ranks the pickups with the most affordable insurance rates in Fort Worth.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your pickup model? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Texas.

Cheapest luxury car insurance rates in Fort Worth

The most affordable luxury cars to insure in Fort Worth are the Acura Integra at $2,078 per year, the BMW 330i at $2,380 per year, and the Mercedes-Benz CLA250 at $2,404 per year.

Additional luxury cars that rank well in our comparison include the Lexus ES 350, Genesis G70, Mercedes-Benz AMG CLA35, and Cadillac CT4, with average cost of $2,458 per year or less.

Some additional models on the list include the Lexus IS 350, BMW 330e, Cadillac CT5, and BMW 228i, which average between $2,458 and $2,620 per year for insurance.

Full-coverage car insurance in Fort Worth for this segment for a middle-age safe driver can cost as low as $173 per month, depending on the company and where you live.

The comparison table below ranks the twenty cars with the most affordable average auto insurance rates in Fort Worth, starting with the Acura Integra at $2,078 per year ($173 per month) and ending with the Audi S3 at $2,620 per year ($218 per month).

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Fort Worth car insurance quotes from top car insurance companies in Texas.

Cheapest luxury SUV insurance rates in Fort Worth

Ranking in the top five for the cheapest Fort Worth car insurance rates in the luxury SUV segment are the Lexus NX 250, Acura RDX, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Auto insurance rates for these 2024 models average $184 or less per month.

Not the cheapest, but still in the top 10, are SUVs like the Lincoln Corsair, Lexus UX 250h, Lexus NX 450h, and Lexus NX 350h, with average insurance cost of $2,254 per year or less.

Ranked from 10th to 20th place, models like the Mercedes-Benz AMG GLB35, Mercedes-Benz GLA35 AMG, Lexus RX 350, Land Rover Evoque, and Cadillac XT6 average between $2,254 and $2,346 per year to insure in Fort Worth.

On a monthly basis, car insurance in this segment for a middle-age safe driver can cost as low as $163 per month, depending on where you live.

The rate comparison table below ranks the twenty SUVs with the cheapest car insurance in Fort Worth, starting with the Acura RDX at $163 per month and ending with the Lexus RX 350 at $196 per month.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Looking for rates for a different luxury SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Fort Worth car insurance quotes from the best companies in Texas.

Cheapest sports cars to insure in Fort Worth

The Mazda MX-5 Miata ranks #1 as the most affordable sports car to insure in Fort Worth, followed by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model averages $2,162 per year to insure for full coverage.

Not the cheapest sports cars to insure, but still very reasonable, are models like the Subaru BRZ, Toyota GR Supra, Lexus RC F, and BMW M2, with average cost of $2,796 per year or less.

Ranked in the bottom half of the top 20 cheapest sports cars to insure, models like the BMW M3, Jaguar F-Type, Lexus LC 500, BMW M4, and Porsche 911 cost between $2,796 and $3,956 to insure per year in Fort Worth.

Full-coverage auto insurance in this segment for a good driver can cost as low as $180 per month, depending on your location. The rate comparison table below ranks the twenty sports cars with the lowest-cost insurance rates in Fort Worth, starting with the Mazda MX-5 Miata at $2,162 per year and ending with the Porsche Taycan at $3,956 per year.

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Fort Worth.

Auto insurance cost examples

In order to reinforce the concept of the amount that the cost of car insurance can fluctuate from one person to the next, the sections below have detailed auto insurance rates for four popular models in Fort Worth: the Ram Truck, Toyota Corolla, Toyota RAV4, and Honda Pilot.

Each vehicle example shows average rates for different profiles to show the difference in price based on multiple scenarios.

Ram Truck insurance rates

Insurance for a Ram Truck in Fort Worth averages $2,702 per year ($225 per month) and varies from $2,242 to $6,222 per year.

The Ram Truck is part of the full-size truck segment, and other models from that segment that are popular in Fort Worth, TX, include the Nissan Titan, Toyota Tundra, Chevrolet Silverado, and GMC Sierra.

Toyota Corolla insurance rates

Insurance for a Toyota Corolla in Fort Worth averages $2,278 per year, or around $190 per month, and has a range of $1,886 to $5,216 annually.

The Toyota Corolla belongs to the compact car segment, and other popular models include the Volkswagen Jetta, Nissan Sentra, Chevrolet Cruze, and Hyundai Elantra.

Toyota RAV4 insurance rates

In Fort Worth, Toyota RAV4 insurance costs an average of $2,156 per year (about $180 per month) and varies from $1,790 to $4,956.

The Toyota RAV4 is part of the compact SUV segment, and additional models from the same segment that are popular in Fort Worth, TX, include the Honda CR-V, Nissan Rogue, Ford Escape, and Mazda CX-5.

Honda Pilot insurance rates

Auto insurance for a Honda Pilot in Fort Worth averages $2,274 per year (about $190 per month) and ranges from $1,890 to $5,260 annually.

The Honda Pilot belongs to the midsize SUV segment, and additional similar models from the same segment include the Toyota Highlander, Kia Telluride, and Jeep Grand Cherokee.

Tips for getting cheaper Fort Worth auto insurance quotes

Fort Worth drivers should always be thinking of ways to reduce their monthly insurance expenses, so study the money-saving ideas below and maybe you’ll find a way to save a little dough on your next auto insurance policy.

• Choose a vehicle with cheaper insurance rates. The vehicle you choose to drive is an important factor in the price you pay for car insurance in Fort Worth. For example, a Subaru Crosstrek costs $2,642 less per year to insure in Fort Worth than a Acura NSX. Insure cheaper models and save money.
• Your employment could earn you policy discounts. Most car insurance companies offer policy discounts for having a job in professions like architects, members of the military, college professors, dentists, accountants, firefighters, and others. If you work in a qualifying profession, you could potentially save between $70 and $227 on your auto insurance premium, depending on the policy coverages selected.
• Improve your credit for cheaper car insurance. Having a high credit score of 800+ could save up to $366 per year compared to a credit rating between 670-739. Conversely, a credit score lower than 579 could cost around $425 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Shop around for better rates. Taking a couple of minutes every year or so to get free car insurance quotes is a fantastic way to save money. Rates change quite often and you can switch companies very easily.
• Find cheaper rates by qualifying for policy discounts. Discounted rates may be available if the insured drivers insure their home and car with the same company, are accident-free, belong to certain professional organizations, drive low annual mileage, are loyal customers, or many other policy discounts which could save the average Fort Worth driver as much as $390 per year.
• Avoid filing small claims. Most auto insurance companies reduce rates a little if you have not filed any claims. Car insurance is intended to be used in the case of large financial hits, not small claims.