Auto Insurance in Fort Worth & North Texas – What Effects Your Premium?

Auto insurance premiums are based on a number of factors and vary from insurance company to insurance company. Below is a list of some of the factors which effect the price of your insurance in Fort Worth and North Texas. Northside Insurance Agency is an independent insurance agent representing multiple companies. We are able to shop among our insurance companies to find you the best rate according to your individual situation. Call us at (817) 626-3100 for a quote. We also write insurance in Fort Worth and North Texas for Home, Business, Motorcycle, RV and Boats.

Factors that Affect Your Premium

Insurance Companies may use a number of factors to set your premium, including:

  • Your age and, for younger drivers, your marital status. Men under 25 and unmarried women under 21 have the highest rates. Drivers over 50 may get discounts.
  • Your driving record and claims history. A good driving record can save you money. Insurance companies will charge you more if you have accidents or tickets on your driving record. Companies may also charge more for major convictions, some driving violations, and accidents that caused property damage. Some surcharges are mandatory and will apply to your premium for three years.
  • Where you keep your car. People who live in cities are more likely to be in accidents or to have their cars stolen. Therefore, their rates are usually higher than those for people who live in rural areas.
  • Your car’s type. Collision and comprehensive rates are highest for luxury, high-performance, and sports cars. Rates may also be higher for cars that damage easily or cost more to repair.
  • Your car’s primary use. Your rates will be higher if you drive your car to and from work or for business. Rates are lowest for people who drive only for pleasure.
  • Your credit score. Companies often use your credit score to decide if they want to sell you a policy and at what cost. A company can’t refuse to sell you a policy or cancel or nonrenew your policy based only on your credit. Visit the Learning Center on, a website maintained by TDI and the Office of Public Insurance Counsel, to find out which companies use credit scores and how they use them.
  • Whether you drove uninsured in Texas. Companies may charge more if you drove uninsured in Texas for more than 30 days in the 12 months before you applied for insurance. If you didn’t, a company can’t charge you more for liability coverage because of your prior lack of coverage.
  • Discounts. Many insurance companies have discounts available. For more information on car insurance discounts, see our article, Discounts on Car Insurance – Texas
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