Cheap Auto Insurance Quotes in Fort Wayne, IN (2021)

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Though not everyone drives in Indiana, most of those living in Fort Wayne do. With more than two million vehicles registered in this state, Indiana is a place where having a good auto insurance plan should be at the top of every driver’s to-do list.

With all the pedestrians, cyclists, and other vehicles to watch out for, drivers here know that following the rules of the road is crucial to staying accident-free. What else is important for keeping you and your family protected? An auto insurance plan that keeps you covered at the most affordable rate.

Car Insurance in Fort Wayne, IN

The average cost of Indiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Fort Wayne, IN to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Fort Wayne, IN

Here are the cheapest carriers in Fort Wayne for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Fort Wayne, IN

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Fort Wayne. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Fort Wayne, IN Driving Facts

Minimum Car Insurance Requirements in IN

Indiana drivers must purchase car insurance and must carry proof of financial responsibility in their vehicles. Unlike many states, Indiana requires uninsured motorist protection in addition to property damage liability and bodily injury liability coverage. 

Motorists are required to purchase auto insurance coverage meeting these minimums:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two or more persons
  • $25,000 for property damage liability
  • $50,000 Uninsured Motorist Coverage
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Fort Wayne Car Insurance Rates by Driver Age

Working teens with a focus on academics should be able to squeak out a monthly payment of $264. Fort Wayne drivers pay less as the years behind the wheel increase, and most stay below the state average of $162. Those in their 40s and 50s do the best, at $126 per month—an amount over $100 cheaper than what the youngest drivers pay. Those folks above 80 hop back above the average as dexterity and driving ability change with age.

Driver's AgeAvg. Monthly Cost
teens$264
20s$177
30s$132
40s$127
50s$126
60s$131
70s$139
80s$168
Driving HistoryAvg. Monthly Cost
No Violation$151
Speeding Ticket$197
At-Fault Accident$201
Failure to Stop for Red Light / Stop Sign$190

Fort Wayne Car Insurance Rates by Driving and Accident History

Hoosiers know that safe driving saves lives and livelihoods. Insurance companies agree and give “good driver” and “accident-free” discounts to those with clean records. An at-fault fender bender adds $51 per month to the cost. Anyone running late to work or school should watch out because a speeding ticket adds $47 per month. It’s not all sad news for drivers with less-than-perfect records. After three years of careful driving, accidents and violations stop affecting insurance prices.

Fort Wayne Car Insurance Rates by Credit Tier

Like most in the U.S., the Hoosier State lets insurance companies use credit to set rates. Insurance companies claim the data paints the picture, but many drivers can’t see precisely how credit relates to driving ability. If the picture’s clear, why would those with poor credit or average credit pay less than those with good or excellent credit? It turns out that people with better credit can finance costlier cars and may need more coverage to protect their assets. Between average, good, and excellent credit, there’s at most a $5 difference, so the insurance companies weigh the factor relatively lightly in Indiana.

Credit TieAvg. Monthly Cost
Excellent$159
Good$162
Average$158
Poor$143

Fort Wayne, IN DMV Information

Drivers in this state have plenty of options when it comes to taking care of their DMV to-do lists. Branches and kiosk locations are spread conveniently across the state. Each Bureau of Motor Vehicles (BMV) branch has its own hours and days of service. Most close on Monday and many are open Saturday. While a self-service kiosk may be hard to find in Fort Wayne, there are two branch locations—Fort Wayne-Pine Valley and Fort Wayne-Waynedale. Always on the go or prefer to stay inside? The Motor Vehicle Division also makes it easy to do business with them online through myBMV.

Public Transportation in Fort Wayne, IN

Getting around Indiana’s second-largest city is easy, even for non-drivers. Citilink is the face of public transportation for Fort Wayne with a ridership of nearly two million passenger trips per year. Full service operating hours are Monday through Friday from 6 a.m. to 8:15 p.m. and Saturday from 8:15 a.m. to 5:15 p.m. If you miss the bus or prefer a more personal option, traditional taxis and rideshare services (including Uber and Lyft) are also available.

Conclusion: How to get the best and cheapest car insurance in Fort Wayne, IN

Though living in Fort Wayne can be fun, shopping insurance companies one data point at a time is definitely a grind.

Is the scratch piece of paper you’ve been using to compare rates company after company really all that accurate? Using Insurify takes the guesswork out of comparing coverages and gets you the coverage you need quickly.

Find local Fort Wayne agents

Ervins Insurance Services
5726 Bailey Court, Fort Wayne, IN 46835
Oscar C Mitson Insurance Agency
6500 E State Blvd, Fort Wayne, IN 46815
Hughes Insurance Group, Inc.
14423 Lima Road, Fort Wayne, IN 46818
Gibson
202 W Berry St Ste 300, Fort Wayne, IN 46802-2242
Baatz Insurance Corp
6206 Constitution Dr., Fort Wayne, IN 46804
Huff and Campbell Insurance Agency
4233 E State Blvd, Fort Wayne, IN 46815
Gregory Associates, Inc
4011 W Jefferson Blvd, Fort Wayne, IN 46804-6853
Amstutz Insurance Inc.
4302 Flagstaff Cove, Fort Wayne, IN 46815
Ovation Insurance
6058 E State Blvd, Fort Wayne, IN 46815
Imel Insurance Agency
2700 Lower Huntington Road, Fort Wayne, IN 46809

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Fort Wayne stacks up for the state of Indiana:

chevrolet
Chevrolet Malibu
Most Popular Car in
Fort Wayne, IN
suspended licenses
#11
Cities with Most
Suspended Licenses Rank
Most Patriotic City

Most Patriotic City

Fort Wayne

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Anderson won Insurify's Most Patriotic Cities Award for the state of Indiana. McClain's Historical Military Armory Museum is closing its doors after over 25 years, and is projected to be a blow to the local economy.


FAQs - Fort Wayne, IN Car Insurance

Do I need to emissions test my car in Indiana?

If you live in Lake and Porter Counties you do. These two counties require emissions testing every two years for vehicles manufactured after 1975. Look for a Clean Air Check Station near you. If your vehicle doesn’t pass emissions, you’ll need to visit a certified emissions repair facility and have it fixed. In some cases, you can qualify for a waiver or extension.

What happens if I have an accident with an uninsured motorist in Indiana?

Though it’s illegal to drive without insurance in Indiana, some people do. For this reason, Indiana requires that insurance companies offer uninsured and underinsured motorist coverage with each policy. Unless you chose to reject this coverage in writing when you bought the policy, your uninsured motorist (UM) and underinsured motorist (UIM) coverage kick in. But remember, UIM in Indiana only covers injuries, not car damage. UM covers both.

Is auto insurance expensive in Indiana?

A lot goes into calculating your car insurance rate in Indiana. Some factors are out of your control, like your age, gender, or marital status. Insurance companies do use ZIP codes as part of the calculation. Your ZIP code tells them how much of a claims risk you might be based on crime rates and accident statistics where you live. You can keep your rates low by driving safely, comparison shopping for a less expensive policy, or even changing your deductible.