The make and model of vehicle you are insuring is probably the biggest factor when comparison shopping for the cheapest auto insurance for safe drivers. Vehicles with lower acceleration and performance, modern passenger safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models.
The next list illustrates insurance premiums for the cheapest vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $979 |
| Honda CR-V LX 4WD | $1,047 |
| Toyota Prius | $1,058 |
| Ford F-150 XL Regular Cab 4WD | $1,071 |
| Ford Explorer XLT 2WD | $1,078 |
| Honda Accord LX 4-Dr Sedan | $1,078 |
| Ford Focus SE 4-Dr Sedan | $1,109 |
| Chevrolet Impala LS | $1,118 |
| Dodge Grand Caravan Hero | $1,131 |
| Chevrolet Malibu LS | $1,140 |
| Toyota RAV4 Limited 4WD | $1,131 |
| Toyota Tacoma Double Cab 4WD | $1,151 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,166 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,171 |
| Toyota Camry SE | $1,193 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in vehicle garaging location which can influence price quotes significantly.
Based upon the rates shown, you can see that models like the Ford Escape, Honda CR-V, and Toyota Prius will definitely be a few of the most budget-friendly vehicles to insure for good drivers.
For good drivers, one of the big considerations that help determine the annual cost of car insurance is where you live in Fort Worth. More densely populated places tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of lower rates.
The following table lists the most expensive areas in Texas for safe drivers to buy an auto insurance policy in. Fort Worth is ranked at #16 with an annual rate of $1,670 for the average insured, which is approximately $139 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Laredo | $1,907 |
| 3 | Dallas | $1,893 |
| 4 | Houston | $1,891 |
| 5 | Brownsville | $1,851 |
| 6 | Garland | $1,850 |
| 7 | Pasadena | $1,812 |
| 8 | Amarillo | $1,804 |
| 9 | Mesquite | $1,753 |
| 10 | Grand Prairie | $1,740 |
| 11 | Irving | $1,736 |
| 12 | Beaumont | $1,702 |
| 13 | Arlington | $1,692 |
| 14 | Lubbock | $1,682 |
| 15 | San Antonio | $1,671 |
| 16 | Fort Worth | $1,670 |
| 17 | El Paso | $1,616 |
| 18 | Carrollton | $1,615 |
| 19 | Austin | $1,610 |
| 20 | McKinney | $1,609 |
| Find Cheaper Insurance Go | ||
Price information shown is estimated as the specific geographic location can raise or lower premiums considerably.
Determining which companies offer the cheapest insurance rates for safe drivers will take a little more sweat than just quoting one company’s rates. Each auto insurance company has a different process to determine rates, so let’s look at the rankings for the most affordable insurance companies in Texas.
Best Car Insurance Prices for Safe Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,256 |
| 5 | California Casualty | $1,396 |
| 6 | Esurance | $1,421 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,597 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,134 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,646 |
| Get a Custom Quote Go | ||
Travelers quotes some of the lowest 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 California Casualty are also some of the cheaper Fort Worth, TX car insurance companies.
As shown above, if you currently have coverage with Germania Mutual and switched to USAA, you may realize annual savings of roughly $161. Customers with California Casualty may save as much as $301 a year, and Esurance customers might lower prices by $326 a year.
It’s important to note that these rates are averaged across all insureds and vehicles and are not factoring in a specific location for safe drivers. So the insurer that has the cheapest rates for you may not even be in the list above. That’s why you need to get rate quotes using your own driver data and vehicle information.
Which insurance company is best in Texas?
Buying coverage from the highest-rated insurance provider can be a challenge considering how many choices there are in Fort Worth. The company information shown below could help you decide which auto insurers you want to consider shopping your coverage with.
The rankings below are only made up of the largest companies in the United States, so companies with more of a regional focus are not included in these rankings. To compare prices and find the cheapest rates for safe drivers, simply click here.
Top 10 Major Car Insurance Companies in Fort Worth Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Careless driving habits raise Fort Worth insurance rates
The common sense way to obtain cheap insurance rates for good drivers is to pay attention while driving and not receive tickets or have accidents. The chart below illustrates how speeding tickets and fender-benders drive up insurance rates for different age groups of insureds. Data assumes a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
The data charted above shows the average cost of auto insurance per year with no accidents or violations is $2,671. Get written up for one speeding ticket and the average cost jumps to $3,012, an increase of $340 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of insurance for safe drivers jumps again to an average of $5,965. That’s an increase of $3,294, or $274 per month, just for not being attentive to the road!
How to find cheaper auto insurance for safe drivers
The list below details many money-saving ideas that can help you get cheaper coverage.
- Increase the comprehensive and collision deductibles on your policy
- Save money by only buying liability coverage for older vehicles
- Higher credit ratings may save you money
- Frequent claims may make car insurance unaffordable
- Home or renters coverage can save on auto insurance
- Buy a car with high safety ratings
- Shop around and save
The last tip is notably critical, as we stressed in the prior article. Prices can be modified anytime, so don’t be unwilling to switch carriers if a cheaper price is available. We understand brand loyalty, but is isn’t recommended if that devotion results in you overpaying thousands of dollars over several years. Now is a great time to shop around and find cheaper auto insurance for safe drivers in Fort Worth.
If you like to get help from a professional when shopping around for cheaper insurance for safe drivers, the professional agents shown below can most likely provide answers to your questions and help you determine which coverages you need.
To find a Fort Worth insurance agency near you, click the button at the bottom of the list.
- State Farm Insurance – Esmeralda Gutierrez
2219 W Berry St – Fort Worth, TX 76110 – (817) 923-2886 - Al Boenker Insurance Agency, Inc.
6030 Jacksboro Hwy – Fort Worth, TX 76135 – (817) 306-2300 - Stephen Koper – State Farm Insurance Agent
3406 W 7th St – Fort Worth, TX 76107 – (817) 585-1911 - Allstate Insurance: Cecil A. Nutall
6716 Brentwood Stair Rd – Fort Worth, TX 76112 – (817) 451-7996 - Tom Price – State Farm Insurance Agent
6015 Harris Pkwy #100 – Fort Worth, TX 76132 – (817) 731-8855