Ideally, we could just tell you the one company in Fort Worth that has the best deal on coverage in Texas. Unfortunately, it’s just not that easy, as there are a lot of unknown factors such as if you have maintained coverage continuously, whether you just need liability insurance, and your credit history, that all impact the price you pay. This article should teach you a little about the best ways to pay less and will hopefully give you a good start in finding the cheapest car insurance in Texas.
The car, truck, or SUV to be insured is probably the largest consideration when comparison shopping for the best cheap insurance for drivers with accidents. Vehicles with lots of speed or power, poor passenger safety features, or high incidents of liability claims will cost significantly more to insure than safer models.
The next table ranks auto insurance premiums for the most affordable vehicles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $2,442 |
| Honda Accord EX 4-Dr Sedan | $2,524 |
| Ford Escape XLT 4WD | $2,601 |
| Toyota Prius | $2,623 |
| Ford F-150 STX Regular Cab 4WD | $2,832 |
| Ford Edge Limited 2WD | $2,840 |
| Toyota RAV4 Sport 2WD | $2,862 |
| Toyota Camry LE | $2,872 |
| Ford Explorer Eddie Bauer 4WD | $2,893 |
| Toyota Tacoma Double Cab 4WD | $2,898 |
| Ford Focus SEL 4-Dr Sedan | $2,982 |
| Chevrolet Equinox LS AWD | $2,991 |
| Hyundai Elantra GLS 4-Dr Sedan | $3,011 |
| Chevrolet Malibu LS | $3,034 |
| Jeep Grand Cherokee Limited 2WD | $3,043 |
| Volkswagen Jetta SE 4-Dr Sedan | $3,048 |
| Dodge Grand Caravan Crew | $3,072 |
| Dodge Ram Crew Cab ST 4WD | $3,125 |
| Nissan Altima 2.5 S 4-Dr Sedan | $3,150 |
| Chevrolet Impala LTZ | $3,181 |
| Compare Cheap Rates Go | |
Data rating is based on single male driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in Fort Worth, TX location which can modify rates noticeably.
Based upon the rates shown, you can figure that makes and models like the Honda CR-V, Honda Accord, Ford Escape, and Toyota Prius are a few of the most affordable vehicles to insure for drivers with at-fault accidents. The cost of a car insurance policy will tend to be more expensive anyway just because there is more risk for drivers with accidents, but overall those particular models will have the cheapest auto insurance rates compared to other types of vehicles.
Comparing quotes for reasonably-priced insurance is not the easiest thing to do, and finding out which companies quote the cheapest insurance rates for drivers with accidents involves even more diligence.
Every insurance provider has a different formula to set policy rates, so first let’s look at the rankings for the overall cheapest insurance companies in Fort Worth, TX.
Find the Cheapest Car Insurance for Accident Prone Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,438 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,510 |
| 9 | Safe Auto | $1,597 |
| 10 | Nationwide | $1,600 |
| 11 | Allstate | $1,650 |
| 12 | Progressive | $1,664 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,324 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,594 |
| Get a Custom Quote Go | ||
Travelers quotes some of the cheapest car insurance rates in Fort Worth at around $1,010 per year. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the most economical Fort Worth, TX car insurance companies.
As shown in the rates above, if you currently have a policy with Texas Farm Bureau and switched to Travelers, you could earn savings of in the neighborhood of $201. Policyholders with Germania Mutual could save as much as $246 a year, and Esurance insureds might realize rate reductions of up to $411 a year.
To get a fast rate comparison, click here or quote prices from the following companies.
Understand that those estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in an exact location for drivers with accidents. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That emphasizes why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
The example below demonstrates how choosing different deductibles can increase or decrease insurance prices when researching cheap insurance for drivers with accidents. The premium estimates are based on a married female driver, full coverage, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could save $260 a year by changing from a $100 deductible to a $500 deductible, or save $394 by using a $1,000 deductible. Young drivers, like the age 20 example, could possibly save as much as $646 annually by choosing larger deductibles on their policy. When increasing deductibles, it will be necessary to have additional savings on hand to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Get discounts on Fort Worth car insurance rates
Car insurance companies that offer quotes for drivers with accidents may also provide discounts that may potentially lower prices by as much as 30% if you meet specific eligibility requirements. A few of the larger companies and some of the premium reductions they offer are included below.
- GEICO has discounts for good student, membership and employees, seat belt use, driver training, and emergency military deployment.
- Mercury Insurance offers discounts for multi-car, multi-policy, annual mileage, accident-free, and location of vehicle.
- Farmers Insurance may include discounts for homeowner, early shopping, business and professional, switch companies, and good student.
- Auto-Owners Insurance discounts include paid in full, student away at school, group or association, safe driver, and company car.
- Liberty Mutual policyholders can earn discounts including new move discount, hybrid vehicle, exclusive group savings, teen driver discount, newly married, newly retired, and good student.
- SAFECO has savings for homeowner, anti-lock brakes, teen safety rewards, teen safe driver, and safe driver.
- Progressive may offer discounts for good student, multi-policy, homeowner, online signing, and multi-vehicle.
- USAA includes discounts for military installation, family discount, driver training, good student, multi-vehicle, and annual mileage.
The diagram below shows the difference between auto insurance costs with and without discounts applied to the policy premium. The premiums assume a female driver, one accident and no traffic tickets, Texas state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, multiple policy, marriage, continuous coverage, paid-in-full, and anti-theft discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for drivers with accidents is 28% or $624.
Driving violations and accidents
The obvious way to get the cheapest insurance premiums for drivers with at-fault accidents is to be a cautious driver and avoid accidents and violations. The illustration below highlights how traffic violations and at-fault claims can affect car insurance costs for each age group. The data assumes a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of auto insurance in Texas per year with no violations or accidents is $1,513. Factor in two speeding tickets and the average cost jumps to $2,149, an increase of $637 each year. Then throw in one accident along with the two speeding tickets and the annual cost of insurance for drivers with accidents goes up to an average of $2,788. That’s an increase of $1,275, or $106 per month, just for not driving responsibly!
How to find cheaper auto insurance for drivers with accidents
It is possible to find better rates, and here are many penny-pinching solutions that can help Fort Worth drivers buy low-cost coverage.
- Avoid accidents
- Do not pay for full coverage on older vehicles
- Keep your driving record clean
- Raise deductibles to save money
- Better credit scores save money
- Buy vehicles with five-star safety ratings
- Keep rates low by comparing prices once a year
The final tip is extremely necessary, as we discussed in the prior article. Prices charged by companies can be changed at any time, so don’t be hesitant to buy from a different company if a better deal can be had.
Many drivers prefer to stick with one company, but it’s not a good idea if it’s costing you a considerable chunk of change every month. It only takes a couple minutes to compare prices to find cheaper insurance for drivers with accidents in Fort Worth.