Compare Fort Wayne, IN Car Insurance Rates (2021)

Car insurance in Fort Wayne, IN averages $275 a month. Fort Wayne, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Fort Wayne car insurance rates, compare quotes from the top car insurance companies in Fort Wayne, IN.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Fort Wayne is USAA
  • The cheapest ZIP code in Fort Wayne is 46825
  • Average car insurance rates in Fort Wayne, IN are $3,305/year

If you need to buy Fort Wayne, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Fort Wayne, IN is right here.

You’ll find Fort Wayne car insurance rates, the cheapest Fort Wayne, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Fort Wayne, Indiana car insurance rates to Indianapolis car insurance rates, South Bend car insurance rates, and Evansville car insurance rates.

Ready to find affordable Fort Wayne, IN car insurance today? Enter your ZIP code for fast, free Fort Wayne car insurance quotes.

Cheapest Fort Wayne, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Fort Wayne, IN car insurance rates? Every Fort Wayne, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fort Wayne, Indiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,391 $2,442 $2,109 $2,306 $7,559 $9,557 $2,412 $2,621
American Family $2,213 $2,213 $1,996 $1,996 $6,229 $8,972 $2,213 $2,707
Farmers $1,514 $1,493 $1,296 $1,461 $8,246 $8,812 $2,002 $2,154
GEICO $1,565 $1,565 $1,475 $1,539 $4,684 $4,342 $1,797 $1,574
Liberty Mutual $4,067 $4,067 $3,743 $3,743 $8,834 $13,310 $4,067 $5,554
Nationwide $1,540 $1,573 $1,354 $1,443 $4,477 $5,798 $1,807 $1,972
Progressive $1,687 $1,590 $1,535 $1,542 $10,151 $11,414 $2,118 $2,154
State Farm $1,476 $1,476 $1,325 $1,325 $4,625 $5,911 $1,639 $1,827
Travelers $1,177 $1,197 $1,106 $1,105 $7,398 $11,734 $1,247 $1,434
USAA $1,057 $1,037 $993 $993 $3,018 $3,350 $1,427 $1,516

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Fort Wayne, IN

Every driver must carry the minimum car insurance in Fort Wayne, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Fort Wayne, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Fort Wayne, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Fort Wayne, IN. Compare credit history car insurance rates in Fort Wayne from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Fort Wayne, Indiana

Insurance Company Poor Fair Good
Allstate $4,854 $3,626 $3,294
American Family $4,889 $3,165 $2,648
Farmers $3,934 $3,209 $2,974
GEICO $2,789 $2,318 $1,846
Liberty Mutual $7,888 $5,134 $4,748
Nationwide $2,839 $2,400 $2,248
Progressive $4,425 $3,933 $3,714
State Farm $3,571 $2,130 $1,651
Travelers $3,671 $3,114 $3,113
USAA $2,242 $1,494 $1,285

Cheapest Fort Wayne, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Fort Wayne, IN to rates for a clean record with top companies.

Annual Fort Wayne, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,117 $4,606 $4,253 $3,722
American Family $2,458 $3,921 $4,962 $2,929
Farmers $3,018 $3,514 $3,626 $3,331
GEICO $1,511 $2,394 $3,272 $2,094
Liberty Mutual $4,571 $5,426 $8,639 $5,056
Nationwide $2,151 $2,763 $2,651 $2,418
Progressive $3,004 $5,317 $3,588 $4,187
State Farm $2,390 $2,632 $2,390 $2,390
Travelers $2,805 $3,463 $3,923 $3,008
USAA $1,259 $1,804 $2,069 $1,564

Cheapest Fort Wayne, IN Car Insurance for Teen Drivers

Teen car insurance in Fort Wayne, IN can be expensive. Take a look at rates from the top car insurance companies in Fort Wayne for teenagers.

Annual Car Insurance Rates for Teen Drivers in Fort Wayne, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,559 $9,557
American Family $6,229 $8,972
Farmers $8,246 $8,812
GEICO $4,684 $4,342
Liberty Mutual $8,834 $13,310
Nationwide $4,477 $5,798
Progressive $10,151 $11,414
State Farm $4,625 $5,911
Travelers $7,398 $11,734
USAA $3,018 $3,350

Cheapest Fort Wayne, IN Car Insurance for Seniors

Take a look at Fort Wayne, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Fort Wayne, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,109 $2,306
American Family $1,996 $1,996
Farmers $1,296 $1,461
GEICO $1,475 $1,539
Liberty Mutual $3,743 $3,743
Nationwide $1,354 $1,443
Progressive $1,535 $1,542
State Farm $1,325 $1,325
Travelers $1,106 $1,105
USAA $993 $993

Cheapest Fort Wayne, IN Car Insurance Rates After a DUI

A DUI in Fort Wayne, IN increases car insurance rates. Compare Fort Wayne, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Fort Wayne, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,253
American Family $4,962
Farmers $3,626
GEICO $3,272
Liberty Mutual $8,639
Nationwide $2,651
Progressive $3,588
State Farm $2,390
Travelers $3,923
USAA $2,069

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Fort Wayne, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Fort Wayne, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Fort Wayne, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,925 $3,925
American Family $3,524 $3,611
Farmers $3,372 $3,372
GEICO $2,278 $2,357
Liberty Mutual $5,767 $6,079
Nationwide $2,496 $2,496
Progressive $4,024 $4,024
State Farm $2,381 $2,519
Travelers $3,300 $3,300
USAA $1,652 $1,696

Cheapest Fort Wayne, IN Car Insurance Rates by ZIP Code

Fort Wayne car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Fort Wayne, IN.

Annual Car Insurance Rates by ZIP Code in Fort Wayne, Indiana

ZIP Code Average Annual Rates
46802 $3,267
46803 $3,361
46804 $3,105
46805 $3,224
46806 $3,405
46807 $3,338
46808 $3,290
46809 $3,248
46814 $3,203
46815 $3,138
46816 $3,272
46818 $3,158
46819 $3,200
46825 $3,050
46835 $3,124
46845 $3,199

The Best Cheap Car Insurance Companies in Fort Wayne, IN

Take a look at a side-by-side comparison of the top car insurance companies in Fort Wayne, IN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Fort Wayne, Indiana

Insurance Company Average Annual Rates
Allstate $3,925
American Family $3,567
Farmers $3,372
GEICO $2,318
Liberty Mutual $5,923
Nationwide $2,496
Progressive $4,024
State Farm $2,450
Travelers $3,300
USAA $1,674

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Fort Wayne, Indiana

Find the cheapest car insurance companies in Fort Wayne, IN for each category right here.

Best Annual Car Insurance Rates by Company in Fort Wayne, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Fort Wayne, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Fort Wayne car insurance rates. Find the cheapest Fort Wayne, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Fort Wayne, Indiana

Insurance Company Low Medium High
Allstate $3,725 $3,910 $4,139
American Family $3,519 $3,685 $3,498
Farmers $3,241 $3,364 $3,512
GEICO $2,165 $2,311 $2,477
Liberty Mutual $5,715 $5,907 $6,147
Nationwide $2,527 $2,476 $2,483
Progressive $3,785 $3,957 $4,330
State Farm $2,327 $2,450 $2,574
Travelers $3,227 $3,330 $3,341
USAA $1,604 $1,669 $1,749

What affects car insurance rates in Fort Wayne, Indiana?

What factors can have an impact on Fort Wayne, IN car insurance? There are several reasons why Fort Wayne car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Fort Wayne, Indiana.

Car Theft in Fort Wayne

High levels of vehicle theft can make car insurance more expensive. Fort Wayne, IN car theft statistics from the FBI indicate 548 vehicle thefts a year.

Commute Time in Fort Wayne

The more time you spend in your car the higher the risk of an accident. The average commute length in Fort Wayne, IN is 21.2 minutes according to City-Data.

Traffic in Fort Wayne

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Fort Wayne, IN traffic data from INRIX ranks Fort Wayne as the 864th-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Fort Wayne, IN

Ready to find affordable Fort Wayne, Indiana car insurance today? Enter your ZIP code for fast, free Fort Wayne, IN car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State