Cheapest Auto Insurance in Fort Wayne, Indiana (2024)
Auto-Owners offers the cheapest car insurance in Fort Wayne, with minimum-coverage policies as low as $28 per month.
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Written byAlani Asis
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3 years of content writing
Bylines with leading financial publications
Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 20, 2024
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Table of contents
At the intersection of the Maumee, St. Marys, and St. Joseph Rivers is Fort Wayne, the second-largest city in Indiana. The overall average monthly rate for drivers in this eastern Indiana community is $111 per month, which is on par with Indiana’s average monthly rate of $108, according to Insurify data. Luckily, this is much lower than the overall U.S. average of $154 per month.
While Fort Wayne drivers see premiums close to the state average, policy costs are still higher than in many other cities in Indiana. Its rates can partly be attributed to the city’s high population and density, which can increase traffic and accidents. Here’s what you need to know about comparing quotes to find the best coverage if you’re in the market for car insurance in Fort Wayne.
Quick Facts
Drivers in Fort Wayne pay monthly averages of $76 for liability-only insurance and $147 for full coverage.
Auto-Owners, State Farm, and USAA offer the cheapest car insurance quotes in Fort Wayne.
Teens and drivers with moving violations may see the highest car insurance rates.
3 of the cheapest car insurance companies in Fort Wayne
There isn’t a one-size-fits-all policy for everyone. The right insurance company for you depends on your budget, insurance needs, driving history, and many other rating factors. If you’re seeking dependable coverage in Fort Wayne, consider the following insurers. The rates in the table below represent Indiana state averages.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $54 | $27 | Cheap rates |
| State Farm | 9.3 | $57 | $29 | Families |
| GEICO | 9.0 | $80 | $43 | High-risk drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $28/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $55/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners offers unbeatable prices for drivers in Fort Wayne for full-coverage and liability-only policies. The insurance company is also known for providing stellar customer service and reliable claims handling.
Pros
Below-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Offers a wide range of insurance products, including gap coverage
Cons
Just 2.6 (out of 5) stars on Trustpilot
No online quotes offered
Best insurer for families: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $30/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $59/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest U.S. auto insurer by market share and has been in business for more than a century. With multi-policy and multi-car discounts, student discounts, and programs to lower costs, this insurer is an excellent option for families.
Pros
AM Best financial strength rating of A++ (Superior), the highest level possible
Above-average J.D. Power claims handling rating
Cons
Offers fewer discounts than competitors
No gap insurance
Best insurer for high-risk drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $33/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $65/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
High-risk drivers may have to obtain an SR-22, which proves they have the minimum liability coverage in their state. Many insurance companies won’t provide coverage to high-risk drivers; if they do, it’s often at higher prices. However, GEICO will file an SR-22 form for you with the Bureau of Motor Vehicles and offers insurance at lower rates than many competitors.
Pros
Many discounts available
Accident forgiveness available
Cons
No rideshare or gap insurance
Limited insurance agent network
)
7 of the Best Car Insurance Companies (November 2024)
How to get the cheapest car insurance in Fort Wayne
While searching for a new insurer, it’s important to examine a company’s quality of customer service, coverage options, financial stability, and record of claims handling. However, finding a reliable insurer that meets your needs doesn’t have to cost a lot. Here are a few ways to lower the cost of your auto insurance policy:
Shop around. The Insurance Information Institute recommends gathering at least three quotes from reputable insurers. Many insurance companies allow you to obtain a quote from their website, but you can also contact an insurance agent or use an online quote-comparison tool.
Take advantage of discounts. Whether you’re a member of an affiliated group, a student, or a safe driver, everyone can find discounts. You can even get a discount for bundling your auto insurance with your homeowners policy, renters insurance, or life insurance.
Avoid reckless driving. Drivers who adhere to road rules and are claim-free usually see better rates than those with incidents on their records. Many insurers also offer a telematics program that rewards safe driving with good driver discounts.
Increase your deductible. If you can afford a higher deductible for collision and comprehensive coverage when you file a claim, consider increasing it when you customize your policy. This can help you lower your monthly payments.
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Cheapest liability-only car insurance in Fort Wayne: Auto-Owners
A liability-only insurance policy only covers the other party’s medical expenses and property repairs if you’re at fault in an accident. Liability-only policies in Fort Wayne cost $76 per month, on average. While this basic policy tends to be the cheapest one insurers offer, the following companies offer the most affordable liability policies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $28 |
| State Farm | $30 |
| USAA | $32 |
| GEICO | $33 |
| American Family | $44 |
| Clearcover | $50 |
| Progressive | $55 |
| Travelers | $59 |
| Farmers | $62 |
| Direct Auto | $66 |
| Root | $68 |
| Allstate | $70 |
| Dairyland | $73 |
| Nationwide | $77 |
| CSAA | $78 |
| National General | $82 |
| The General | $83 |
| Safeco | $85 |
| Bristol West | $88 |
| Elephant | $88 |
| Liberty Mutual | $90 |
| GAINSCO | $92 |
| Foremost | $116 |
| AssuranceAmerica | $128 |
| State Auto | $146 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fort Wayne: Auto-Owners
While a liability-only policy covers the other party’s damages if you’re at fault, a full-coverage insurance policy protects your vehicle. It includes comprehensive coverage, which reimburses you for losses and vehicle damages from non-collision incidents like theft and natural disasters. Full-coverage car insurance also provides collision insurance for car repairs if you collide with another vehicle or object.[1]
Drivers in Fort Wayne pay an average of $147 per month for full-coverage insurance. This car insurance coverage is the best option for drivers who use their car regularly to commute, own an expensive vehicle, or drive in a high-risk area. Your lender may also require full-coverage car insurance if you have a loan or lease on your vehicle.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $55 |
| State Farm | $59 |
| USAA | $63 |
| GEICO | $65 |
| Clearcover | $83 |
| American Family | $86 |
| Root | $108 |
| Progressive | $109 |
| Travelers | $116 |
| Farmers | $121 |
| Direct Auto | $128 |
| CSAA | $131 |
| Allstate | $138 |
| Elephant | $138 |
| Nationwide | $152 |
| Safeco | $152 |
| National General | $162 |
| Dairyland | $180 |
| The General | $189 |
| Bristol West | $198 |
| AssuranceAmerica | $201 |
| Liberty Mutual | $203 |
| GAINSCO | $214 |
| Foremost | $220 |
| State Auto | $288 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Fort Wayne, Indiana
Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $81/mo for full coverage in Fort Wayne and other Indiana cities.
*Quotes generated for Insurify users in and around Fort Wayne, Indiana within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fort Wayne, Indiana within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Indiana
Indiana is a tort state, which means your insurance company is on the hook for paying the other party’s medical expenses if you’re at fault in an accident. All Indiana drivers must carry the state’s minimum liability insurance.[2]
You must also have minimum uninsured and underinsured motorist coverage in Indiana. The table below shows the state’s minimum coverage limits you must obtain to drive legally.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist coverage | $25,000 per person $50,000 per accident |
Accidents can cost thousands of dollars in repairs, medical expenses, and legal fees. Insurance is an important financial investment because it can help mitigate your financial burden and keep you from going into debt. Consider adding these coverage options to your policy to protect you against hefty out-of-pocket expenses:
Personal injury protection (PIP) coverage
PIP insurance covers your and your passengers’ medical expenses, lost wages, and funeral costs, regardless of fault. This coverage is particularly beneficial because you don’t have to wait for the other party’s insurance company to approve your claim to get coverage.
Gap insurance
If you have a loan or a lease on your vehicle, this insurance will pay the difference between the current value of your car and the outstanding amount you owe on it.
Car rental coverage
If your car is at the shop for covered repairs, this coverage will pay for car rental costs so you can get around.
Medical Payments coverage
In Indiana, you can add Medical Payments (MedPay) to your auto policy. MedPay can cover medical bills or funeral costs for you and/or your passengers as a result of an accident, regardless of who caused the crash.
Accident forgiveness coverage
Causing an accident can increase your car insurance premiums by 26% or more. The premium increase will occur when your policy renews and the accident surcharge will stay on your insurance for three to five years. But with accident forgiveness coverage, your insurer will "forgive" your first at-fault accident and won't raise your rates.
Cheapest car insurance for drivers with an incident
Driving incidents refer to moving violations like speeding tickets, driving under the influence (DUI), and at-fault accidents. If you have an incident on your driving record, you’ll likely see an increase in your auto insurance premiums.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
A speeding ticket will result in you paying a fine and possibly increase your insurance rates for three to five years. It can stay on your driving record for up to five years, amounting to hundreds of dollars in increased costs. The average cost of car insurance for drivers with a speeding ticket in Fort Wayne is $213 per month for full coverage and $110 for liability only.
You can soften the damage by looking for insurance companies with budget-friendly rates for drivers with speeding tickets, such as the following:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $28 | $37 |
| State Farm | $30 | $39 |
| USAA | $32 | $42 |
| GEICO | $33 | $44 |
| American Family | $44 | $58 |
| Clearcover | $50 | $67 |
| Progressive | $55 | $72 |
| Travelers | $59 | $79 |
| Farmers | $62 | $82 |
| Direct Auto | $66 | $87 |
| Root | $68 | $96 |
| Allstate | $70 | $93 |
| Dairyland | $73 | $96 |
| Nationwide | $77 | $103 |
| CSAA | $78 | $105 |
| National General | $82 | $109 |
| The General | $83 | $112 |
| Safeco | $85 | $114 |
| Bristol West | $88 | $117 |
| Elephant | $88 | $125 |
| Liberty Mutual | $90 | $128 |
| GAINSCO | $92 | $131 |
| Foremost | $116 | $165 |
| AssuranceAmerica | $128 | $169 |
| State Auto | $146 | $208 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
At-fault accidents can spell costly consequences, like expensive vehicle repairs and spikes in your insurance rates for several years. In fact, even a non-at-fault accident can result in a slight increase in your premiums. In Fort Wayne, the average cost of car insurance for drivers with an accident is $211 per month for full coverage and $109 for liability only.
However, you don’t have to succumb to sky-high rates to get reliable insurance. The table below illustrates cheap car insurance companies for Fort Wayne drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $28 | $38 |
| State Farm | $30 | $40 |
| USAA | $32 | $43 |
| GEICO | $33 | $45 |
| American Family | $44 | $60 |
| Clearcover | $50 | $73 |
| Progressive | $55 | $75 |
| Travelers | $59 | $80 |
| Farmers | $62 | $84 |
| Direct Auto | $66 | $91 |
| Root | $68 | $98 |
| Allstate | $70 | $95 |
| Dairyland | $73 | $98 |
| Nationwide | $77 | $105 |
| CSAA | $78 | $109 |
| National General | $82 | $111 |
| The General | $83 | $114 |
| Safeco | $85 | $114 |
| Bristol West | $88 | $119 |
| Elephant | $88 | $117 |
| Liberty Mutual | $90 | $130 |
| GAINSCO | $92 | $119 |
| Foremost | $116 | $167 |
| AssuranceAmerica | $128 | $169 |
| State Auto | $146 | $215 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
If you get a DUI, you'll have to carry an SR-22 certificate to prove you’ve purchased Indiana’s minimum liability coverage. Your rates may double for three to five years after a DUI conviction. Many insurers will even refuse to insure high-risk drivers; if they do, SR-22 insurance is often extremely expensive. Fort Wayne drivers pay an average of $240 per month for full coverage and $124 for liability only after a DUI conviction.
However, it’s not all bleak for drivers with a DUI. The following insurers provide the best monthly quotes for drivers in Fort Wayne with a past DUI conviction.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $28 | $46 |
| State Farm | $30 | $49 |
| USAA | $32 | $53 |
| GEICO | $33 | $54 |
| American Family | $44 | $72 |
| Clearcover | $50 | $82 |
| Progressive | $55 | $90 |
| Travelers | $59 | $97 |
| Farmers | $62 | $102 |
| Direct Auto | $66 | $108 |
| Root | $68 | $100 |
| Allstate | $70 | $115 |
| Dairyland | $73 | $120 |
| Nationwide | $77 | $126 |
| CSAA | $78 | $115 |
| National General | $82 | $135 |
| The General | $83 | $136 |
| Safeco | $85 | $129 |
| Bristol West | $88 | $144 |
| Elephant | $88 | $144 |
| Liberty Mutual | $90 | $148 |
| GAINSCO | $92 | $151 |
| Foremost | $116 | $190 |
| AssuranceAmerica | $128 | $210 |
| State Auto | $146 | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
While rates significantly decrease around age 25 as you gain more experience on the road, they may gradually climb at 70. Age-related conditions, such as diminished vision and hearing loss, leave senior drivers more susceptible to car accidents. The average cost of car insurance for senior drivers in Fort Wayne is $112 per month for full coverage and $58 for liability only.
Due to the increased risk, drivers in their 70s may see increased insurance premiums. Fortunately, seniors in Fort Wayne can count on the following insurance companies to offer the best deals on car insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $21 | $42 |
| State Farm | $22 | $44 |
| GEICO | $25 | $50 |
| USAA | $25 | $48 |
| American Family | $33 | $65 |
| Progressive | $38 | $75 |
| Clearcover | $41 | $69 |
| Travelers | $44 | $87 |
| Farmers | $46 | $91 |
| Direct Auto | $49 | $96 |
| Allstate | $54 | $106 |
| Nationwide | $55 | $109 |
| Root | $55 | $87 |
| Dairyland | $56 | $138 |
| CSAA | $57 | $96 |
| National General | $60 | $119 |
| The General | $65 | $147 |
| Bristol West | $68 | $152 |
| Elephant | $69 | $108 |
| Safeco | $70 | $125 |
| Liberty Mutual | $73 | $164 |
| GAINSCO | $74 | $173 |
| Foremost | $89 | $169 |
| AssuranceAmerica | $93 | $145 |
| State Auto | $105 | $206 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Getting behind the wheel is an exciting milestone for many teen drivers; however, it’s often a costly one. With less experience on the road and an increased likelihood of being involved in an accident, young drivers tend to see lofty insurance premiums compared to premiums for all other age groups. Teen drivers in Fort Wayne pay an average of $265 per month for full coverage and $137 for liability only.
Teenagers can lower costs by staying on their parents’ policies, driving a car with safety features, and taking advantage of good student discounts. Keep in mind, teens younger than 18 can't legally get their own policies unless they have written consent from a parent or guardian. The following insurance companies have competitive monthly prices for teens shopping for their own auto insurance policy.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲ ▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $48 | $95 |
| State Farm | $53 | $104 |
| GEICO | $54 | $107 |
| USAA | $55 | $109 |
| American Family | $78 | $153 |
| Clearcover | $95 | $157 |
| Progressive | $99 | $197 |
| Root | $105 | $167 |
| Travelers | $110 | $216 |
| Farmers | $112 | $218 |
| Dairyland | $121 | $299 |
| Direct Auto | $124 | $241 |
| Allstate | $128 | $253 |
| CSAA | $129 | $217 |
| The General | $136 | $310 |
| Nationwide | $139 | $273 |
| Elephant | $147 | $231 |
| Bristol West | $153 | $344 |
| Liberty Mutual | $159 | $359 |
| GAINSCO | $164 | $381 |
| National General | $166 | $328 |
| Safeco | $168 | $301 |
| Foremost | $212 | $402 |
| AssuranceAmerica | $242 | $380 |
| State Auto | $267 | $527 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Fort Wayne car insurance quotes by credit tier
Indiana allows insurance companies to use your credit history when determining your risk level and, therefore, your policy’s rates.[3] Drivers with excellent or good credit are less likely to file a claim, which means lower premiums. In contrast, drivers with poor credit have an increased likelihood of filing a claim, according to insurers. So they usually pay more for their policies.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Fort Wayne?
The average cost of car insurance in Fort Wayne is $111 per month, which is well below the national average of $154 and about the same as the Indiana overall average of $108. However, car insurance rates differ in Indiana based on the city you live in.
Factors such as your city’s population density, vehicle crime rate, accident frequency, and weather conditions can influence your premiums. For instance, residents of Indianapolis, the state capital, pay higher rates on average ($126 per month) than residents of Fort Wayne.
More cities in Indiana
The cost of car insurance in Fort Wayne is somewhere in the middle compared to other cities in Indiana, with Indianapolis being a bit more expensive and South Bend and Muncie being cheaper. The table below illustrates average quotes in various cities in Indiana.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Elkhart | $65 | $127 |
| Evansville | $77 | $144 |
| Indianapolis | $85 | $168 |
| Lafayette | $70 | $133 |
| Muncie | $69 | $126 |
| South Bend | $68 | $140 |
| Terre Haute | $69 | $129 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fort Wayne car insurance FAQs
If you’re shopping for car insurance in Fort Wayne, this additional information may help as you research your coverage options.
How much is car insurance in Fort Wayne?
Car insurance in Fort Wayne costs $111 per month, on average. Drivers pay $147 per month for full-coverage insurance and $76 per month for liability coverage. Your exact premium will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
Which companies have the cheapest car insurance in Fort Wayne?
Auto-Owners has the cheapest car insurance in Fort Wayne, with a monthly liability-only rate of $28. Other affordable insurers include State Farm and USAA, with monthly liability rates of $30 and $32, respectively. The cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and vehicle.
What are the best car insurance companies in Fort Wayne?
With an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Fort Wayne. Of the insurers Insurify has rate data for, other top Fort Wayne auto insurers include Auto-Owners and GEICO.
What factors affect the cost of car insurance in Fort Wayne?
Like in any city, factors like your ZIP code, driving record, age, credit history, and more affect the cost of car insurance in Fort Wayne. Make sure to drive safely, keep your driving record clean, and maintain a strong credit score to keep your auto insurance rates low. If you want to lower your rates even further, shop around for car insurance and apply for discounts.
Do you need car insurance in Indiana?
Yes. Indiana drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage, $25,000 per accident in property damage liability insurance, and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Indiana
Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Indiana Department of Insurance. "Auto Insurance."
- Insurance Information Institute. "Credit and insurance scores."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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