The words “economical” and “insurance” really don’t belong together, in particular when you are searching for the cheapest auto insurance for uninsured drivers. Let’s introduce you to some of the factors that help determine insurance premiums, and see if we can help you reduce the price of the next policy you buy.
The vehicle model you are insuring is one of the biggest factors when shopping around for cheap car insurance for uninsured drivers. Vehicles with higher performance characteristics, a lack of safety features, or a track record of large liability claims will cost much more to insure than more modest models.
The next list outlines insurance premiums for the most affordable automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $869 |
| Ford Escape XLT 4WD | $890 |
| Volkswagen Jetta S 2.5 Station Wagon | $943 |
| Toyota Prius | $962 |
| Honda CR-V LX 4WD | $994 |
| Toyota RAV4 Sport 4WD | $1,030 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,036 |
| Hyundai Elantra SE Touring Station Wagon | $1,079 |
| Ford Edge Limited AWD | $1,083 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,104 |
| Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD | $1,174 |
| Kia Optima SX | $1,176 |
| Toyota Camry LE | $1,180 |
| Chevrolet Malibu Hybrid | $1,185 |
| Ford Explorer XLT 2WD | $1,193 |
| Ford F-150 XL Super Cab 4WD | $1,203 |
| Honda Civic DX 2-Dr Coupe | $1,205 |
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in vehicle garaging location which can impact insurance rates considerably.
Based on these rates, cars like the Honda Accord, Ford Escape, Volkswagen Jetta, and Toyota Prius are most likely to be some of the cheapest vehicles to insure for drivers with no prior coverage.
Figuring out which company quotes the lowest-priced insurance rates for uninsured drivers involves a tad more effort than just comparing rates from one or two companies.
Every insurance company uses a slightly different approach for filing rates in each state, so let’s take a look at the insurance companies with the overall cheapest rates in Fort Worth, TX. It’s important to know that Fort Worth, TX insurance rates are calculated based on many things that may substantially change the price you pay. Simply getting older, buying a home, or getting a few speeding tickets can produce rate changes resulting in some companies being cheaper than before.
Find the Best Cheap Insurance in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,396 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,715 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,672 |
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Travelers has some of the cheapest car insurance rates in Fort Worth at around $1,010 a year. This is $894 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the best Fort Worth, TX insurance companies.
As shown in the table above, if you are currently insured with Esurance and switched to USAA, you might see annual savings of approximately $270. Drivers with California Casualty may save as much as $301 a year, and State Farm policyholders might lower prices by $355 a year.
To compare your rates to other Texas insurance companies, click here to start your custom quote or quote prices from the following companies.
Bear in mind that those estimates are averages for all ages of drivers and types of vehicles and and are not calculated with a specific vehicle garaging location for uninsured drivers. So the company that fits your situation best may not even be in the list above. That helps illustrate why you need to quote rates from many companies using your own personal information and vehicle type.
One of the more important criteria that are looked at to determine auto insurance rates is where you call home in Fort Worth. More densely populated places are more likely to pay higher prices, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.
The information below sorts the most expensive areas in Texas for uninsured drivers in which to purchase auto insurance. Fort Worth is listed at #20 with a yearly cost of $1,604 for the average policy, which is approximately $134 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Dallas | $1,893 |
| 3 | Brownsville | $1,870 |
| 4 | Houston | $1,853 |
| 5 | Laredo | $1,833 |
| 6 | Garland | $1,832 |
| 7 | Mesquite | $1,807 |
| 8 | Amarillo | $1,804 |
| 9 | Pasadena | $1,794 |
| 10 | Beaumont | $1,772 |
| 11 | Grand Prairie | $1,757 |
| 12 | Irving | $1,736 |
| 13 | San Antonio | $1,722 |
| 14 | Lubbock | $1,716 |
| 15 | Arlington | $1,692 |
| 16 | Carrollton | $1,664 |
| 17 | El Paso | $1,616 |
| 18 | Austin | $1,610 |
| 19 | McKinney | $1,609 |
| 20 | Fort Worth | $1,604 |
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Rates are approximated as the specific Fort Worth residence address can affect premium rates noticeably.
Safe drivers Fort Worth pay cheaper rates
The ideal way to get low insurance rates in Texas for drivers with no prior coverage is to drive safely and avoid accidents and keep your driving record clean. The example below shows how violations and at-fault claims influence premium costs for each age group. The premium estimates are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of a car insurance policy in Texas per year with a clean driving record and no accidents is $1,899. Factor in two speeding tickets and the average cost surges to $2,549, an increase of $650 each year. Then throw in one accident along with the two speeding tickets and the annual cost of insurance for uninsured drivers jumps again to an average of $3,196. That’s an increase of $1,297, or $108 per month, just for being a careless driver!
Selecting the top insurer is hard considering how many different companies insure vehicles in Fort Worth. The ranking data shown below may help you decide which car insurance companies you want to consider when insurance shopping for uninsured drivers.
These ratings are for companies that write coverage in many states, so companies without a large exposure will not be included in this list. If you wish to compare prices from these top-rated insurers and more, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Fort Worth auto insurance rates
Insurance companies that offer coverage for uninsured drivers may provide policy discounts that may potentially lower prices by as much as 35% if you meet eligibility requirements. A list of companies and some of the discounts can be read below.
- State Farm policyholders can earn discounts including driver’s education, accident-free, good driver, multiple policy, defensive driving training, anti-theft, and safe vehicle.
- GEICO includes discounts for multi-policy, seat belt use, air bags, five-year accident-free, and defensive driver.
- SAFECO has discounts for accident prevention training, teen safe driver, anti-lock brakes, teen safety rewards, multi-car, safe driver, and drive less.
- Farmers Insurance offers discounts including teen driver, early shopping, good student, electronic funds transfer, and alternative fuel.
- AAA offers premium reductions for pay-in-full, multi-car, AAA membership discount, education and occupation, good student, anti-theft, and multi-policy.
- USAA offers discounts for safe driver, new vehicle, multi-vehicle, family discount, and good student.
The example below illustrates the comparison of insurance prices with and without discounts applied to the rates. Data assumes a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, passive restraint, homeowner, defensive driving course, accident-free, and multiple vehicle discounts applied. When discounts are applied, theaverage amount saved on insurance for uninsured drivers is 28% or $496.