Fort Worth is the fifth-largest city in Texas and the western anchor of the Dallas-Fort Worth Metroplex, home to approximately 960,000 residents in Tarrant County. Fort Worth has a distinct identity from Dallas — more Western, more blue-collar, and with a strong military presence from NAS Fort Worth JRB. Auto insurance rates in Fort Worth are slightly lower than Dallas, reflecting Tarrant County's lower claim frequency.
In 2026, the average Fort Worth driver pays approximately $1,850 per year for full coverage and around $555 per year for liability-only coverage.
Average Auto Insurance Rates in Fort Worth by ZIP Code (2026)
| ZIP Code | Area | Full Coverage / Year | Liability Only / Year |
|---|---|---|---|
| 76102 | Downtown Fort Worth | $2,050 | $615 |
| 76107 | Cultural District / TCU area | $1,850 | $555 |
| 76132 | Southwest Fort Worth | $1,750 | $525 |
| 76119 | Southeast Fort Worth | $2,100 | $630 |
| 76137 | North Fort Worth / Keller border | $1,700 | $510 |
Get Your Free Fort Worth Auto Insurance Quote
Sewell Insurance Agency is licensed in Texas and serves all of Tarrant County and the DFW Metroplex. Our licensed brokers will find you the best auto insurance rate for your Fort Worth address.