Best car insurance in Fort Wayne, IN (2024)

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Jessica OlivoFreelance contributorJessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.After working in publishing and book publicity for many years, she transitioned to freelance writing full time.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|3 min read

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The average full coverage car insurance policy in Indiana costs $1,215, making it one of the cheapest states for car insurance. In Fort Wayne, average rates for full coverage car insurance are even lower, at $1,186 per year.

Ready to shop car insurance?

Even though these rates are low compared to the national average, it is still important to make sure you are getting the best policy for the lowest price. Policygenius can help you compare rates from top companies, so you can be sure you’re making the right choice.

Key takeaways

  • USAA has the lowest rates in Fort Wayne at an average of $710 per year for full coverage.

  • 46835 is the cheapest ZIP code for car insurance in Fort Wayne.

  • Indiana requires $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage.

Methodology & why you can trust our rates

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Cheapest car insurance companies in Fort Wayne, IN

Car insurance rates are based on everything from your age to the coverage amounts you choose to your credit score and driving history. But not all companies charge the same amount for coverage, so you may get very different quotes from different carriers, even for the exact same coverage levels.

Company

Average cost

JD Power Rating

USAA

$59/month

890

GEICO

$67/month

874

State Farm

$69/month

882

Auto-Owners Insurance

$73/month

865

Indiana Farmers Insurance

$84/month

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Cheapest car insurance rates by ZIP code in Fort Wayne, IN

Your ZIP code plays a role in what you pay for car insurance. Drivers in densely populated cities will pay more because high congestion means more accidents. Insurance companies will also charge you more if you live in a ZIP code that has a lot of crime — particularly car theft and vandalism.

ZIP code

Average cost

46835

$1,137

46804

$1,137

46825

$1,151

46815

$1,166

46808

$1,167

46819

$1,170

46818

$1,172

46805

$1,181

46802

$1,189

46809

$1,190

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Choosing the right car insurance company in Fort Wayne, IN

There are some key factors to consider when choosing a car insurance company.

  • Coverage: How much coverage can you afford? More coverage means more protection, but it also means higher premiums 

  • Price: How much is each company charging for the same amount of coverage? Do they offer discounts that apply to you?

  • Service: Is the company highly rated when it comes to claims satisfaction and customer service?

Policygenius can help you understand your options and choose the coverage that’s best for you and your wallet.

Car insurance rates for drivers with driving violations in Fort Wayne, IN

Insurance companies use your driving history to determine the risk you pose. Usually, companies look back between three and five years to see if you have any violations on your record.

Minor offenses, such as making an illegal turn, will raise your rate slightly. But if you have a major offense, like a DUI, on your record, it can add over hundreds of dollars a year to your policy.

Violation

USAA

GEICO

State Farm

Auto-Owners Insurance

Indiana Farmers Insurance

At-fault accident

$1,104

$1,720

$1,162

$1,403

$1,286

Suspended license

$1,143

$2,444

$1,064

$2,234

$1,367

Open container

$1,044

$2,032

$917

$1,128

$1,147

Expired registration

$962

$1,287

$917

$882

$1,147

Driving without lights

$962

$1,287

$917

$882

$1,257

Running a red light

$962

$1,287

$917

$882

$1,367

Following too closely

$962

$1,287

$917

$882

$1,367

Hit and run

$1,225

$2,337

$1,064

$2,234

$1,147

Not-at-fault accident

$768

$991

$844

$969

$1,147

Passing a school bus

$1,044

$1,287

$917

$1,079

$1,367

Reckless driving

$1,044

$2,337

$1,064

$2,234

$1,147

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Cheapest car insurance for drivers with a DUI in Fort Wayne, IN

Drivers in Fort Wayne with a DUI or DWI pay significantly more for car insurance than drivers with a clean record. The average annual cost for car insurance in Fort Wayne is $1,186, but drivers with a DUI can expect to pay an average of of $2,082 per year.

But Fort Wayne drivers can save money by comparing quotes from multiple companies. According to our research, the three cheapest car insurance companies in Indiana for drivers with a DUI are State Farm, USAA, and Indiana Farmers Insurance.

Company

Rates for drivers with DUIs

State Farm

$1,064

USAA

$1,187

Indiana Farmers Insurance

$1,367

GEICO

$2,032

Auto-Owners Insurance

$2,234

Cheapest car insurance for drivers with a speeding ticket in Fort Wayne, IN

Drivers in Fort Wayne will also see their rates go up if they get a speeding ticket or other moving violation. The average cost of insurance for a driver with a speeding ticket in Indiana is $1,793 per year. The companies offering the lowest rates for drivers in Indiana with a speeding ticket are State Farm, USAA, and Indiana Farmers Insurance, but the only way to know which company offers the lowest rates for you is to compare quotes from multiple insurers.

Company

Rates for drivers with speeding tickets

State Farm

$917

USAA

$962

Indiana Farmers Insurance

$1,367

Auto-Owners Insurance

$1,482

GEICO

$2,337

Cheapest car insurance for drivers with bad credit in Fort Wayne, IN

Generally, drivers with poor credit pay more for car insurance, and drivers with higher credit scores see lower rates. Not all companies view credit scores the same, however, so it’s important to shop around.

Company

Rates for drivers with bad credit

GEICO

$1,255

USAA

$1,389

Grange Insurance

$1,395

Nationwide

$1,685

Travelers

$1,845

Ready to shop car insurance?

Buying car insurance in Fort Wayne, IN

The state of Indiana requires drivers to have a minimum amount of car insurance. The minimum amount of car insurance required in

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $25,000

  • Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident

  • Uninsured motorist property damage: $25,000

  • Underinsured motorist coverage: $50,000 per person and $50,000 per accident

Indiana is not a no-fault state, which means the driver responsible for the accident is expected to pay for the damage and injuries they cause (that’s what liability coverage is for).

While Indiana law stipulates that insurance companies include $25,000 per person and $50,000 per accident of uninsured/underinsured motorist coverage on your policy, you can turn the coverage down as long as you do so in writing.

How to get cheap car insurance in Fort Wayne, IN

Finding affordable car insurance can feel daunting, but there are ways to make sure you pay the cheapest rates for the coverage you need: 

  • Shop around: Check rates from multiple companies to see how they compare. You might find that one company is more forgiving of a questionable credit score or a speeding ticket than another

  • Look for discounts: Insurers offer discounts for safe driving, being a good student, and having safety features on your car. Make sure you take advantage of every discount that applies to you

  • Bundle policies: Get your home and auto policies from the same insurance company and you’ll have on both

Frequently asked questions

Is Indiana an at-fault state?

Yes, Indiana is an at-fault state. This means the driver who is at fault for an accident is responsible for any damages caused in an accident. If the at-fault driver doesn't have enough liability insurance, they will be expected to pay the expenses out-of-pocket.

How much car insurance do I need in Indiana?

Indiana state law requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage.

What is the best car insurance in Fort Wayne?

The cheapest average rate in Fort Wayne is $710 with USAA, but the best policy is the one that covers all of your needs and individual circumstances. It’s important to shop around and compare costs and coverage options before you buy.

How much is car insurance per month in Indiana?

Drivers in Indiana pay an average of $1,215 per year for car insurance, which breaks down to $101 per month. Drivers in Ft. Wayne pay an average of $99 per month, which is $2 less that the state average.

Authors

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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