Cheap Auto Insurance Quotes in Fort Wayne, IN (2023)

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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• Cheap Car Insurance Indiana

• Compare Car Insurance

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!

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 .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Indiana

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.

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.

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• High-risk Car Insurance Indiana

• DUI Car Insurance Indiana

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.

See More: Bad Credit Car Insurance Indiana

Find local Fort Wayne agents

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.

For more detailed Indiana city level guides, check out these below.

• Average Cost of Car Insurance Rates in Indiana

• DUI Car Insurance Rates in Indiana

• High-Risk Driver Car Insurance Rates in Indiana

• Indiana Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Indiana

• SR-22 Insurance in Indiana

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.