Spinning your wheels trying to get the best car insurance rates in Fort Worth? The last thing you want to do is randomly pick a car insurance company and hope for the best. Or worse, drive without enough coverage and pray you won’t get into a car accident.
You can drive with confidence in Fort Worth knowing you’re covered with Lemonade Car.
Insurance requirements and limitations in Fort Worth are determined by the state of Texas. But don’t sweat the details. When you apply for car insurance in Fort Worth, we’ll automatically get you hooked up with the auto insurance coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.
Read on to learn about how you can get the best rates on car insurance in Fort Worth.
What car insurance coverage is required?
The state of Texas requires all Fort Worth drivers to have car insurance.
To comply with Texas’s car insurance coverage requirements, Fort Worth drivers need the following coverages and minimum coverage amounts:
| Required minimum coverages for Fort Worth drivers | Minimum amount required |
|---|---|
| Bodily injury liability coverage | $30,000/60,000 |
| Property damage liability coverage | $25,000 |
Let’s run through some basics first. Remember: A “limit” on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.
For example, Texas drivers are required to have a minimum of $30,000/$60,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $30,000 of bodily injury coverage per person, and $60,000 of bodily injury coverage in total (for all of the people injured in an accident.)
Keep in mind: Your levels of bodily injury and property damage liability coverage don’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your policy on our app.
Additional coverages available to Fort Worth drivers
Fort Worth drivers who drive with Lemonade Car can (and arguably should) add the following coverage options to their car insurance policy to boost their protection behind the wheel.
| What add-on coverages does Car offer? | What can it help pay for? |
|---|---|
| Collision coverage | To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on). |
| Comprehensive coverage | To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on). |
| Personal Injury Protection (aka PIP) | Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, a percentage of your lost wages as a result of your injuries, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible. |
| Uninsured/underinsured driver bodily injury coverage | Medical bills and lost wages related to injuries caused by an uninsured or underinsured driver. |
| Uninsured/underinsured driver property damage coverage | To repair or replace your own car if you get into a car accident with an uninsured or underinsured driver. |
| Temporary transportation coverage | Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised. |
Want to dive into the nitty-gritty of what Texas car insurance has to offer? Get the full scoop here.
How much does Fort Worth car insurance cost?
Well, that depends.
Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles.
The way you drive matters, and actually helps determine your price. So when you’re building a quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price and average cost for your car insurance policy.
When you buy a Car policy, you’ll have the chance, over every six-month term, to prove your safe driving habits and potentially lower your price. Those habits can boost your Safety Score and possibly lower your cost of car insurance (especially if you maintain a clean driving record).
Here’s a shout-out to our low-mileage drivers—the less you drive, the more you save. Along with lots of other factors, we consider how much you drive (or how little in your case) to come up with your price, making it especially ideal for the low-mileage driver.
The right car insurance combines the coverage you need with car insurance rates and deductibles you can afford. That’s why we offer insurance you can easily customize. You deserve a policy that feels just right—and fits your budget. Learn more about the cost of insurance and how you can lower the cost of your rates.
The most straightforward way to get a sense of how we price car insurance is by applying for coverage via our mobile app or website.
Click below to get your car insurance quote in Fort Worth.
Best day trips in Fort Worth
Looking to get away for the day? Buckle up: These quick road trips can satisfy your wanderlust without taking you too far from Fort Worth.
Fort Worth Zoo
The Fort Worth Zoo, located just an 11-minute drive from downtown Fort Worth, is one of the top zoos in the US. With admission prices at $19 for adults and $15 for children and seniors, it’s a must-visit destination. It is home to a wide variety of animals, providing a fun and educational experience for visitors of all ages.
The zoo features well-maintained habitats, informative exhibits, and engaging programs designed to educate the public about wildlife conservation. With special attractions like the Texas Wild exhibit and the African Savanna, there is always something new to explore.
Eagle Mountain Northwest Loop
Located just a short 30-minute drive from the center of Fort Worth, the Eagle Mountain Northwest Loop is a 2.7 mile trail that is a beautiful outdoors escape.
Located within the Eagle Mountain Lake Park, this trail offers hikers a pleasant mix of varied terrain, scenic views, and peaceful woodland surroundings. The trail is open year-round, showcasing its beauty in every season, inviting visitors to appreciate the changing landscapes.
Kimbell Art Museum
Located approximately five-miles from the city of Fort Worth is the Kimbell Art Museum. Founded in 1972, the museum is recognized for both its art collection and its exquisite architecture, designed by the world-famous architect Louis I. Kahn.
The museum’s collection includes pieces by Michelangelo, Caravaggio, Rembrandt, and Cézanne. The Kimbell also possesses a distinguished collection of Asian, African, and Pre-Columbian art, providing a diverse cultural experience for visitors.
Fort Worth Botanic Garden
The Fort Worth Botanic Garden, spanning 120 acres, is Texas’s oldest botanic garden and is only a six-minute drive from the center of Fort Worth. The Botanic Garden features a multitude of themed areas such as the Rose Garden where there are thousands of roses planted. Additionally, there is the Japanese Garden holding koi-filled ponds, traditional teahouses, and sculpted landscapes that embody the beauty of Japan.
Other ways of getting around Fort Worth
While cars can be a major convenience, sometimes it’s just quicker and cheaper (not to mention better for the planet) to find an alternative.
Trinity Metro operates a number of public transit options throughout the Fort Worth area—including buses, TEXRail, and the Trinity Railway Express (TRE). These services provide easy access to major points of interest within the city and beyond, connecting Fort Worth to neighboring cities like Dallas.
Fort Worth is a very walkable neighborhood with a walking score of 79/100 , making it possible for individuals to get around easily on foot. Areas such as Downtown Fort Worth, the Cultural District, and Near Southside are known for their pedestrian-friendly streets, providing an enjoyable walking experience with easy access to shops, restaurants, parks, and museums.
We reward low-mileage drivers with lower premiums. Fort Worth drivers who are behind the wheel fewer than 9,000 miles a year (around 22 miles daily) could be eligible for low-mileage car insurance discounts.
Because of that, we encourage you—whenever possible—to go out and about without your car.
How accessible are hybrid and electric vehicles in Fort Worth?
As accessibility, efficiency, and upfront costs of hybrid and electric vehicles (EV) improve, the trends of drivers heading towards the future do, too. The market is expected to continue growing exponentially as new makes and models, legislation, and incentives become available.
Fort Worth has been proactive in integrating EVs into its transportation infrastructure, paving the way for a greener future. They have adopted the Clean Fleet Vehicle Policy, which pushes to reduce emissions and overall fuel consumption.
Fort Worth also hosts The Dallas-Fort Worth (DFW) National Drive Electric Week (NDEW). It is a nationwide celebration to educate the public on the benefits of owning an electric vehicle (EV) and includes a free EV display, EV ride-and-drives, and more.
You can check out where your nearest EV charging stations are here.
We support Fort Worth drivers who make environment-friendly choices. We offer awesome protection and perks for hybrids and EVs—like coverage for your home charging station or a portable charger. Side note: Lemonade Renters and Homeowners policies can also be customized to include extra coverage for certain types of e-bikes, if that’s how you like to cruise.
Before we drive off into the sunset…
Fort Worth drivers, we can’t wait for you to take Lemonade Car for a spin. Here’s hoping you never get stuck in rush hour traffic on I-30!
We offer top-of-the-line coverage and trunk loads of discounts—plus opportunities to make the road (and the world around us) a better place. Applying for your free quote is easy, and coverage starts at just $30/month.
Our great coverage and super fast claims resolution don’t stop at auto insurance, though. Did you know that we also offer other insurance products such as homeowners, pet, life, and renters insurance? Not only will you become eligible for our bundling discounts, you can also manage each of your policies through the same app you use for Lemonade Car.
Let’s drive.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
