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Get Cheap Car Insurance in Fort Wayne, IN
We monitor insurance prices, helping the average driver in Fort Wayne save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Fort Wayne
The chart below shows the cheapest car insurance company in Fort Wayne for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by State Farm, Safe Auto, and Travelers.
| Fort Wayne Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $47 |
| State Farm | $51 |
| Safe Auto | $51 |
| Travelers | $51 |
Savings for Every Kind of Fort Wayne Driver
Based on our extensive insurance data, we know the average Fort Wayne driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $367 per year by choosing the right vehicle insurance company. Some Fort Wayne residents are paying out over $1,258 extra every year for auto insurance in Fort Wayne. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fort Wayne, IN Savings / Yr. |
|---|---|
$367 |
|
$573 |
|
$464 |
|
$327 |
|
$658 |
|
$281 |
|
$402 |
Fort Wayne Car Insurance vs. Indiana
People living in Fort Wayne pay an average of 2.99% more than the typical driver in the state. The average driver in Fort Wayne can expect to pay about $781 per year, or $1,258 for full coverage.
Based on our analysis, Erie Insurance will be the cheapest provider in Fort Wayne for most people.
Car Insurance Prices by Fort Wayne Neighborhood
Insurance Prices
Where is insurance cheapest within Fort Wayne?
The map shows insurance prices in and around Fort Wayne, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $535 per year within the city boundaries, with insurance premiums ranging from a high of $1,645 to a low of $1,110. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of Fort Wayne.Pick the Best Car Insurance Company for You in Fort Wayne
The best car insurance provider for most drivers in Fort Wayne
For drivers with clean driving records and no major strikes, Erie Insurance is the best option, with annual savings of $367 over the average Fort Wayne car insurance company.
The best car insurance provider for Fort Wayne drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $573 over the competition.
The best car insurance company for Fort Wayne drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $464 better than other car insurance companies.
The best auto insurance for Fort Wayne drivers with a DUI conviction
Getting a quote from Gainsco may cost the average person with a DUI about $327 less each year.
The least expensive car insurance company for new and young drivers in Fort Wayne
In Fort Wayne, State Farm costs young drivers $658 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fort Wayne
State Farm gave the largest car insurance discounts to married couples, averaging $281 saved each year compared to an average Fort Wayne couple's premiums.
The cheapest car insurance in Fort Wayne for drivers with bad credit
The best Fort Wayne car insurance company for customer service
Nationwide was the best company for customer service in Fort Wayne according to the NAIC.
Recent price drops
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The cheapest large national provider in Fort Wayne
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Fort Wayne driver can expect to pay about $78 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Fort Wayne, USAA has the best prices for young drivers, drivers with speeding tickets, drivers with accidents, drivers with a DUI conviction, good drivers, drivers with bad credit, and married couples.Auto Insurance Prices in and Around Fort Wayne
What Influences the Cost of Car Insurance in Fort Wayne?
On average, car insurance in Fort Wayne is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Indiana state insurance regulations may allow for lower prices.
- An average of 5 to 6 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Fort Wayne are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Fort Wayne is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Fort Wayne is $65 per month for minimum coverage and $105 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Wallen: Insurance costs 6.12% less
- New Haven: Insurance costs 5.96% less
- Thurman: Insurance costs 7.87% less
- Arcola: Insurance costs 9.70% less
- Nine Mile: Insurance costs 4.37% less
- Tanglewood: Insurance costs 10.17% less
- Huntertown: Insurance costs 6.84% less
- Maples: Insurance costs 10.10% less
- Leo-Cedarville: Insurance costs 8.90% less
- Ellisville: Insurance costs 5.96% less
Cities with Similar Populations
- Spring Hill: Insurance costs 111.13% more
- Stockbridge: Insurance costs 61.69% more
- Springfield: Insurance costs 42.29% more
- Springdale: Insurance costs 33.47% more
- St. Paul: Insurance costs 50.48% more
- Springfield: Insurance costs 29.89% more
- St. Cloud: Insurance costs 30.13% more
- St. George: Insurance costs 8.11% more
- Sparks: Insurance costs 75.52% more
- Springfield: Insurance costs 9.54% less