The best car insurance in Fort Wayne, IN

Jessica Olivo

By

Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Published November 15, 2021

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The average full coverage car insurance policy in Indiana costs $1,219, making it one of the cheapest states for car insurance. In Fort Wayne, average rates for full coverage car insurance are even lower, at $1,187 per year.

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Even though these rates are low compared to the national average, it is still important to make sure you are getting the best policy for the lowest price. Policygenius can help you compare rates from top companies, so you can be sure you’re making the right choice.

Key Takeaways

  • USAA has the lowest rates in Fort Wayne at an average of $710 per year for full coverage

  • 46835 is the cheapest ZIP code for car insurance in Fort Wayne 

  • Indiana requires $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage

Cheapest car insurance companies in Fort Wayne, IN

Car insurance rates are based on everything from your age to the coverage amounts you choose to your credit score and driving history. But not all companies charge the same amount for coverage, so you may get very different quotes from different carriers, even for the exact same coverage levels.

Company

Average cost

JD Power Rating

USAA

$710

890

GEICO

$759

871

State Farm

$863

881

Auto-Owners Insurance

$939

890

Grange Insurance

$986

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Cheapest car insurance rates by ZIP code in Fort Wayne, IN

Your ZIP code plays a role in what you pay for car insurance. Drivers in densely populated cities will pay more because high congestion means more accidents. Insurance companies will also charge you more if you live in a ZIP code that has a lot of crime — particularly car theft and vandalism.

ZIP code

Average cost

46802

$1,188

46803

$1,258

46804

$1,138

46805

$1,180

46806

$1,254

46807

$1,230

46808

$1,167

46809

$1,191

Choosing the right car insurance company in Fort Wayne, IN

There are some key factors to consider when choosing a car insurance company.

  • Coverage: How much coverage can you afford? More coverage means more protection, but it also means higher premiums 

  • Price: How much is each company charging for the same amount of coverage? Do they offer discounts that apply to you?

  • Service: Is the company highly rated when it comes to claims satisfaction and customer service?

Policygenius can help you understand your options and choose the coverage that’s best for you and your wallet.

Car insurance rates for drivers with driving violations in Fort Wayne, IN

Insurance companies use your driving history to determine the risk you pose. Usually, companies look back between three and five years to see if you have any violations on your record.

Minor offenses, such as making an illegal turn, will raise your rate slightly. But if you have a major offense, like a DUI, on your record, it can add over hundreds of dollars a year to your policy.

Violation

USAA

GEICO

State Farm

Auto-Owners Insurance

Grange Insurance

At-fault Accident

$1,104

$1,641

$1,205

$1,516

$1,302

DUI

$1,187

$1,935

$1,104

$2,426

$1,784

Driving with a suspended license

$1,143

$2,325

$1,104

$2,426

$1,756

Driving with an open container

$1,044

$1,935

$952

$1,216

$1,784

Driving with expired registration

$962

$1,226

$952

$945

$1,010

Driving without Lights

$962

$1,226

$952

$945

$1,487

Failure to show documents

$962

$1,226

$952

$945

$1,010

Failure to stop at a red light

$962

$1,226

$952

$945

$1,487

Cheapest car insurance for drivers with bad credit in Fort Wayne, IN

Generally, drivers with poor credit pay more for car insurance, and drivers with higher credit scores see lower rates. Not all companies view credit scores the same, however, so it’s important to shop around.

Company

Rates for drivers with bad credit

GEICO

$1,191

Grange Insurance

$1,331

USAA

$1,389

Nationwide

$1,664

Auto-Owners Insurance

$1,759

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Buying car insurance in Fort Wayne, IN

The state of Indiana requires drivers to have a minimum amount of car insurance. You need $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage.

Indiana is not a no-fault state, which means the driver responsible for the accident is expected to pay for the damage and injuries they cause (that’s what liability coverage is for). While Indiana law stipulates that insurance companies include $25,000 per person and $50,000 per accident of uninsured/underinsured motorist coverage on your policy, you can turn the coverage down as long as you do so in writing.

How to get cheap car insurance in Fort Wayne, IN

Finding affordable car insurance can feel daunting, but there are ways to make sure you pay the cheapest rates for the coverage you need: 

  • Shop around: Check rates from multiple companies to see how they compare. You might find that one company is more forgiving of a questionable credit score or a speeding ticket than another

  • Look for discounts: Insurers offer discounts for safe driving, being a good student, and having safety features on your car. Make sure you take advantage of every discount that applies to you

  • Bundle policies: Get your home and auto policies from the same insurance company and you’ll have on both

Frequently asked questions

Why did my insurance rate go up after I bought a new car?

The make, model, and year of car you drive have an impact on your insurance rate. Expensive cars require more expensive repairs, so insurance companies will take that into account when determining what you pay.

Why is insurance so expensive for new drivers?

New drivers are expensive to insure because they are more likely to be in an accident. The good news is that with each year of experience, you should see your rates start to come down. At 25, most drivers see a drop in what they pay.

What is the best car insurance in Fort Wayne?

The cheapest average rate in Fort Wayne is $710 with USAA, but the best policy is the one that covers all of your needs and individual circumstances. It’s important to shop around and compare costs and coverage options before you buy.

Will I pay less for insurance if I don’t have any driving violations on my record?

Yes! Insurance companies look back at the last few years of your driving history when determining your rate, and no violations or accidents means lower rates.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.