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Cheap Auto Insurance Quotes in Fort Wayne, IN (September 2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by Licensed Insurance Agent, Amber Benka

Updated February 4, 2022

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.

Quick Facts

  • The average cost of car insurance in Fort Wayne is $144 per month, or $1728 annually.
  • Car insurance in Fort Wayne is $7 more than the average cost of car insurance in Indiana.
  • The cheapest car insurance provider in Fort Wayne on average is Travelers, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$44
State Farm
$68
Travelers
$99
Nationwide
$110
The General
$126

Cheapest Car Insurance in Fort Wayne, IN

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in Fort WayneQuotesThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Progressive$44 /mo
State Farm$68 /mo
Travelers$99 /mo
Nationwide$110 /mo
The General$126 /mo

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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 company reviews. The following are the top rated companies that offer car insurance in Fort Wayne. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreThe 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 company reviews.QuotesThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
American Family89$151 /mo
Nationwide89$169 /mo
Safeco86$147 /mo
Liberty Mutual82$172 /mo
Travelers80$100 /mo

Average Car Insurance Cost

Indiana Cities
Indianapolis$120/mo
Evansville$109/mo
South Bend$108/mo
Carmel$99/mo
Fort Wayne$109/mo
Indiana$109/mo
Carmel
$99
South Bend
$108
Average for IN
$109
Evansville
$109
Fort Wayne
$109
Indianapolis
$120
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Indiana

All motor vehicles operated or parked on Indiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Indiana[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Indiana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Indiana, this coverage will help you recover from an accident as quickly as possible.

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 CostThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
teens$264
20s$177
30s$132
40s$127
50s$126
60s$131
70s$139
80s$168

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.

Driving HistoryAvg. Monthly CostThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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 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 TierAvg. Monthly CostThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$159
Good$162
Average$158
Poor$143

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
View more

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.

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.

FAQs - Fort Wayne, IN Car Insurance

  • 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.
  • 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.
  • 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.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Insurify Insights

How Fort Wayne Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Fort Wayne, Indiana below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Fort Wayne drivers measure up to their fellow motorists across Indiana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

chevrolet

Chevrolet Malibu

Most Popular Car in Fort Wayne

#28

City with the Most Speeding Tickets Rank in Indiana

#30

City with the Most Moving Violations Rank in Indiana

#18

City with the Most DUIs Rank in Indiana

#22

City with the Most Suspended Licenses in Indiana

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Fort Wayne drivers rank 33 in the number of car accidents per driver across all cities in Indiana.

    • Rank within state: #33
    • Percent of drivers in Fort Wayne with an accident: 10.4%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Fort Wayne drivers rank 18 in the number of DUI’s per driver across all cities in Indiana.

    • Rank within state: #18
    • Percent of drivers in Fort Wayne with a DUI: 2.8%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Indiana, Fort Wayne drivers rank 23 in the number of reckless driving offenses per driver.

    • Rank within state: #23
    • Percent of drivers in Fort Wayne with a reckless driving offense: 1.3%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Indiana, Fort Wayne drivers rank 22 in rude driving infractions.

    • Rank within state: #22
    • Percent of drivers in Fort Wayne with a reckless driving violation: 1.5%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Indiana, Fort Wayne drivers rank 28 in the number of speeding infractions per driver.

    • Rank within state: #28
    • Percent of drivers in Fort Wayne with a speeding ticket: 9.4%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Fort Wayne drivers rank 27 in clean driving records across all cities in Indiana.

    • Rank within state: #27
    • Percent of drivers in Fort Wayne with clean record: 76.1%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Fort Wayne drivers rank 30 in hybrid and electric vehicle ownership across all cities in Indiana.

    • Rank within state: #30
    • Percent of drivers in Fort Wayne with a hybrid/electric vehicle: 0.65%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra
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Editorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Indiana Department of Insurance. "State Minimum Requirements." Accessed May 28, 2022