One of the many considerations that aid in calculating the cost of insurance is where you normally keep your vehicle in Fort Worth. Areas with increased crime or more people will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The illustration below ranks the most expensive places in Texas after a speeding ticket to purchase car insurance in. Fort Worth makes the list at #15 with an annual premium of $1,653 for the average insured, which is around $138 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Laredo | $1,907 |
| 3 | Dallas | $1,855 |
| 4 | Houston | $1,853 |
| 5 | Brownsville | $1,851 |
| 6 | Garland | $1,850 |
| 7 | Mesquite | $1,825 |
| 8 | Irving | $1,789 |
| 9 | Amarillo | $1,786 |
| 10 | Beaumont | $1,772 |
| 11 | Pasadena | $1,740 |
| 12 | Grand Prairie | $1,740 |
| 13 | San Antonio | $1,688 |
| 14 | Lubbock | $1,682 |
| 15 | Fort Worth | $1,653 |
| 16 | Arlington | $1,642 |
| 17 | Corpus Christi | $1,636 |
| 18 | El Paso | $1,632 |
| 19 | Plano | $1,624 |
| 20 | Austin | $1,610 |
| 21 | Carrollton | $1,598 |
| 22 | McKinney | $1,577 |
| 23 | Waco | $1,522 |
| 24 | Abilene | $1,515 |
| 25 | Killeen | $1,488 |
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Rates are approximated as zip code location can modify prices greatly.
Locating low-cost insurance is easier said than done, and figuring out which companies quote the best auto insurance rates after a speeding ticket will require even more diligence. Every insurance provider uses a slightly different approach to set policy rates, so let’s take a look at the most budget-friendly auto insurance companies in Fort Worth, TX.
It’s a good idea to be aware that Texas auto insurance rates are calculated based on many things which can substantially decrease or increase the policy price. That is why Texas drivers need to compare many different companies to get cheap insurance quotes after a speeding ticket. Prices are influenced by many different factors and can change substantially, so the most economical company when you bought your policy may now not even be in the top five.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,438 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,495 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,600 |
| 11 | Allstate | $1,701 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,093 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,594 |
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Travelers has some of the most affordable car insurance rates in Fort Worth at around $1,021 annually. This is $883 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 more affordable Fort Worth, TX auto insurance companies.
As illustrated above, if you are currently insured with USAA and switched to Travelers, you could earn an annual premium reduction of upwards of $63. Insureds with Texas Farm Bureau might save as much as $190 a year, and Germania Mutual customers might cut rates by $273 a year.
It’s important to note that these premium estimates are averages across all types of drivers and the different vehicles they drive and do not take into consideration a specific zip code after a speeding ticket. So the insurer that is best for you may not even be in the top 23 companies in the list above. That helps illustrate why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
The illustration below illustrates how your choice of deductibles can raise or lower annual premium costs when searching for cheap insurance after a speeding ticket. The price estimates are based on a married female driver, full physical damage coverage, and no other discounts are factored in.
The data above shows that a 40-year-old driver could pocket $352 a year by switching from a $100 deductible to a $500 deductible, or save $528 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, can cut as much as $870 or more by choosing a larger deductible amount.
If you make the decision to raise deductibles, it will be required to have enough funds in savings to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Types of discounts on Fort Worth car insurance
Auto insurance companies that provide policies after a speeding ticket may provide price discounts that could reduce prices by as much as 35% or more if you meet specific eligibility requirements. A list of companies and the discounts they provide are shown below.
- State Farm may offer discounts for Drive Safe & Save, good student, student away at school, safe vehicle, multiple autos, and anti-theft.
- American Family has discounts for TimeAway discount, good student, air bags, defensive driver, and multi-vehicle.
- GEICO includes discounts for emergency military deployment, seat belt use, multi-vehicle, anti-lock brakes, defensive driver, and daytime running lights.
- 21st Century policyholders can earn discounts including air bags, automatic seat belts, driver training, early bird, student driver, 55 and older, and homeowners.
- Progressive may include discounts for online quote discount, multi-policy, homeowner, multi-vehicle, good student, and online signing.
The illustration below illustrates the comparison of premium costs with and without discounts applied to the premium. The data assumes a female driver, one citation and no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with continuous coverage, multiple vehicle, vehicle safety, marriage, anti-theft, and homeowner discounts applied. When drivers take advantage of discounts, theamount saved on auto insurance after a speeding ticket is 28% or $874.
Why are you paying too much for car insurance?
Fort Worth auto insurance rates are based on many factors that will increase or decrease the price you have to pay for coverage. Simply having another birthday, increasing deductibles, or getting a DUI can cause premium changes that can now make some companies more affordable than competitors. Also, insurance companies modify rates as often as every quarter to reflect underwriting profits or losses. A period of increased losses may cause higher prices, while lower claims can cause cheaper Fort Worth car insurance rates.
For example, the chart below shows the company with the cheapest car insurance in Fort Worth, TX for a 45-year-old female driver with no prior claims, no tickets, and great credit. If we estimate prices based on her current rating profile, Travelers may have the cheapest car insurance rates in Fort Worth at $1,157 a year. This is $747 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the rest of the cheapest Fort Worth, TX auto insurance companies.
Now we will give the driver in the first chart a claim surcharge, a lower credit rating, and a traffic ticket or two. Because each company has a unique approach for establishing rates, getting updated rate quotes may result in a completely different list of affordable Fort Worth car insurance companies as shown below.
State Farm now has the best auto insurance rate in Fort Worth, TX with Mercury, USAA, Safe Auto, and Nationwide completing the list. This demonstrates why Texas drivers need to compare as many rates as possible to find the most economical insurance rates after a speeding ticket. Rates are made up of many risk factors and change frequently, so the cheapest option the last time you compared rates may now be priced much higher than other options.
The professional agents shown below are a good start to help you determine which insurance coverage will be best for you, since lots of people like to have professional advice when comparing insurance rates after a speeding ticket. It’s not always simple to do it yourself, so getting professional guidance from a licensed agent can add peace of mind knowing you have sufficient coverage at claim time. To find an agent closest to you, click the button link following the list.
Kathleen Alexander – State Farm Insurance Agent
5336 Wedgmont Cir N – Fort Worth, TX 76133 – (817) 292-6006
Amado Flores – State Farm Insurance Agent
3345 Western Center Blvd Ste 180 – Fort Worth, TX 76137 – (817) 232-3000
Luna Insurance Agency
4475 Hemphill St – Fort Worth, TX 76115 – (817) 744-8150
State Farm: Steve Gary
4947 S Hulen St – Fort Worth, TX 76132 – (817) 737-8311
View more Fort Worth, TX insurance agencies
How to find the cheapest insurance after a speeding ticket
Lowering your rates is not difficult, and here are many penny-pinching suggestions that can help Texas drivers get low-cost auto insurance.
- Be a cautious driver
- Buy safe vehicles
- Having too many claims will increase rates substantially
- Buying home and auto together can help save money
- Having at-fault accidents will increase rates
- Compare price quotes at least once a year
That last idea is extraordinarily important, as we pointed out in the article above. Prices charged by car insurance companies fluctuate constantly, so you should be ready to buy a policy from a new company if a better rate can be found.
Staying with the same company for years is fine, but is isn’t recommended if that faithfulness ends up costing you hundreds of dollars a year. Spend a few minutes and shop around to find cheaper auto insurance after a speeding ticket in Fort Worth.