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.

Alani Asis
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Alani Asis
Alani Asis
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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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Danny Smith
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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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Mark Friedlander
Reviewed byMark Friedlander
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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 May 23, 2024

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Cheapest recent rates near Fort Wayne, Indiana

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $75/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 May 23, 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 May 23, 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 May 23, 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $110 per month, which is on par with Indiana’s average monthly rate of $105, according to Insurify data. Luckily, this is much lower than the overall U.S. average of $160 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 $74 for liability-only insurance and $146 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$52$27Cheap rates
State Farm4.6$55$29Families
GEICO4.4$65$39High-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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$54/mo

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

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for families: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$58/mo

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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for high-risk drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$34/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.
$64/mo

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

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.
7 Best Car Insurance Companies (May 2024)

7 Best Car Insurance Companies (May 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.

Find Car Insurance in Fort Wayne

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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 $74 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners28
State Farm30
USAA31
GEICO34
American Family44
Clearcover50
Progressive56
Travelers60
Farmers62
National General62
Dairyland67
Direct Auto70
Allstate71
Midvale Home & Auto73
Nationwide78
GAINSCO82
Elephant83
Safeco83
The General83
Liberty Mutual86
CSAA88
Bristol West98
Foremost119
AssuranceAmerica133
State Auto148
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 $146 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners54
State Farm58
USAA61
GEICO64
Clearcover82
American Family85
Progressive107
Travelers114
Midvale Home & Auto118
Farmers119
National General126
Elephant127
Allstate136
Direct Auto136
Nationwide150
GAINSCO154
CSAA157
Safeco157
Dairyland179
AssuranceAmerica186
The General195
Liberty Mutual196
State Auto208
Bristol West224
Foremost252
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.

Estimate your Fort Wayne car insurance costs

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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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    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.

Find Car Insurance in Fort Wayne

Monthly rates start at $35 for drivers with an incident

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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 $216 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2837
State Farm3039
USAA3141
GEICO3445
American Family4458
Clearcover5067
Progressive5674
Travelers6080
Farmers6281
National General6290
Dairyland6789
Direct Auto7094
Allstate7194
Midvale Home & Auto73100
Nationwide78104
GAINSCO82119
Elephant83121
Safeco83112
The General83111
Liberty Mutual86125
CSAA88120
Bristol West98129
Foremost119173
AssuranceAmerica133180
State Auto148212
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 $213 per month for full coverage and $108 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2838
State Farm3040
USAA3142
GEICO3446
American Family4459
Clearcover5072
Progressive5677
Travelers6081
Farmers6283
National General6283
Dairyland6790
Direct Auto7096
Allstate7196
Midvale Home & Auto73104
Nationwide78106
GAINSCO82107
Elephant83110
Safeco83108
The General83114
Liberty Mutual86126
CSAA88124
Bristol West98130
Foremost119175
AssuranceAmerica133180
State Auto148220
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 $242 per month for full coverage and $123 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2847
State Farm3050
USAA3152
GEICO3457
American Family4473
Clearcover5083
Progressive5694
Travelers60100
Farmers62104
National General62104
Dairyland67112
Direct Auto70117
Allstate71119
Midvale Home & Auto73122
Nationwide78130
GAINSCO82137
Elephant83139
Safeco83139
The General83139
Liberty Mutual86144
CSAA88147
Bristol West98164
Foremost119199
AssuranceAmerica133222
State Auto148247
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 $100 per month for full coverage and $51 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners2038
State Farm2141
USAA2244
GEICO2546
American Family3160
Clearcover3659
Progressive3669
Travelers4381
Farmers4484
National General4592
Dairyland49130
Direct Auto4995
Midvale Home & Auto5081
Allstate5299
Nationwide53101
Elephant5991
GAINSCO61115
Safeco61115
Liberty Mutual62140
The General62146
CSAA63112
Bristol West71163
Foremost84179
AssuranceAmerica91128
State Auto103145
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 $251 per month for full coverage and $127 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners4791
State Farm5096
USAA5099
GEICO5298
American Family75145
Clearcover95156
Progressive99189
Travelers105200
Farmers107205
Dairyland110293
National General113230
Allstate121232
Midvale Home & Auto124201
Direct Auto125243
Nationwide130250
The General131308
Elephant134205
CSAA141251
GAINSCO143269
Liberty Mutual156357
Bristol West163372
Safeco170322
Foremost206436
AssuranceAmerica241337
State Auto256360
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.

Find Car Insurance in Fort Wayne

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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 $110 per month, which is well below the national average of $160 and about the same as the Indiana overall average of $105. 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 ($119 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.

CityLiability OnlyFull Coverage
Elkhart$64$125
Evansville$74$141
Indianapolis$77$160
Lafayette$67$126
Muncie$64$125
South Bend$65$136
Terre Haute$66$121
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 $110 per month, on average. Drivers pay $146 per month for full-coverage insurance and $74 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 $31, 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 4.6 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  2. Indiana Department of Insurance. "Auto Insurance."
  3. Insurance Information Institute. "Credit and insurance scores."
Alani Asis
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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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