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

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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, 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.

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:

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Chevrolet Impala
Most Popular Car in
Fort Wayne, IN
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#6
Cities with Most
Suspended Licenses Rank

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.