Best Car Insurance Rates in Fort Wayne, Indiana

On Average, your neighbors pay $55 a month

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Compare Car Insurance in Fort Wayne

Thursday, November 22 2018 By Aaron Besson

Fort Wayne, Indiana is Johnny Appleseed territory. If you’re a Fort Wayne driver looking for a great rate on car insurance, we’ve got you covered. This page covers car insurance companies, laws, and rates in Fort Wayne.

Average Fort Wayne Car Insurance Rates

How much is car insurance in Fort Wayne, IN? Drivers here are pretty good behind the wheel and insurance companies have noticed. Average auto insurance in Indiana costs $666.24 per year. The national average price is $889.01.

Prices may vary depending on your zip code thanks to traffic congestion, weather conditions and crime rates.

Indiana Average Annual Car Insurance Rates
Coverage Rates
Liability $382.68
Collision $250.29
Comprehensive $122.06
Total Cost Per Year $666.24
Price Per Month $55.52
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Indiana insurance rates from 2011 to 2015, the most recent year the data is available. According to the Insurance Information Institute, Indiana car insurance rates increased from $621 in 2011 to $666 in 2015, a jump of $44 dollars, or 7.22 percent.

Indiana average car insurance rates

QuoteWizard helps Fort Wayne residents compare quotes from national insurance companies. Comparing quotes can help you find cheap car insurance rates near Fort Wayne, Indiana and save up to 40% on your premium.

Last year, 7,474 people used QuoteWizard to compare car insurance quotes in Fort Wayne, IN from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Fort Wayne, IN

These are the most popular car insurance companies reported by QuoteWizard users in Fort Wayne, Indiana. Of these, 2,245 of those drivers were uninsured when they requested a quote.

  1. State Farm
  2. Progressive
  3. Allstate
  4. GEICO
  5. Nationwide
  6. Farmers
  7. Erie Insurance
  8. Liberty Mutual
  9. Esurance
  10. USAA

Top 10 Vehicles in Fort Wayne

These are the most popular car makes and models owned by Fort Wayne, IN QuoteWizard users.

  1. Chevrolet Impala/LS/LT
  2. Chevrolet Malibu/LS/1LT
  3. Ford F-150
  4. Honda Accord EX
  5. Ford Focus SE
  6. Chevrolet Equinox LT
  7. Ford Taurus SE
  8. Ford Fusion SE
  9. Chevrolet Cruze LT
  10. Jeep Grand Cherokee Laredo

Minimum Car Insurance Requirements in Fort Wayne, IN

Fort Wayne, Indiana requires all its drivers to carry minimum liability coverage of 25/50/25. This means your policy must include: 

  • Individual Bodily Injury Liability (BIL): $25,000
    The maximum amount your insurer pays for a person injured in a car accident.
  • Total Bodily Injury Liability: $50,000
    The total your insurer pays for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000
    The maximum your insurer pays for property damage caused by a car accident.

You are also required by Indiana law to have the following uninsured and underinsured coverage:

  • $25,000 uninsured motorist bodily injury
  • $10,000 uninsured property damage
  • $50,000 underinsured motorist bodily injury

Recommended Coverage Levels

Relying on just minimum coverage can lead to big problems later. Minimum coverage pays for damages to other people and their property. However, it doesn’t cover your own damages. That’s because a minimum policy doesn’t include collision or comprehensive coverage.

To make sure you have good coverage in Fort Wayne, we recommend the following: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Driving Conditions

Weather, road conditions, and traffic in Fort Wayne can factor into your insurance rates. The riskier your driving conditions, the higher your premium.

Weather

Fort Wayne has an average annual snowfall of 28.2 inches. This is 7 percent above the national average. Snow brings slick roads plus impaired vision, leading to a spike in accidents. If you’re in Fort Wayne when the colder months come, winterize your car.

Road Conditions

Driving on Indiana’s roads costs drivers $272 annually due to substandard conditions. Poor road quality can raise insurance rates for everyone. Fort Wayne has a $30 million project in place to address their road needs.

Traffic Congestion

The average commute time in Fort Wayne is 20.2 minutes. This is 20.5 percent below the national average of 25.4 minutes.

Moving Violations

Tickets and accidents will increase your auto insurance cost. If you’ve had many citations, you could need to buy high-risk insurance. That leads to higher premiums or cancelled coverage. If you are deemed high-risk, Indiana may require your insurer to file a Certificate of Compliance after:

  • A car accident
  • A traffic citation within one year of receiving two other traffic tickets.
  • A serious traffic violation conviction
  • A traffic violation while driving with a license suspended for failing to provide proof of financial responsibility.

Traffic Tickets

The Fort Wayne Police Department made 17,767 traffic stops in 2017. Too many citations lead to higher insurance rates. Tickets can cost you time and money. Do your best to avoid them.

DUI and DWAI Arrests

If you are arrested for a DUI in Fort Wayne, depending on how many offenses you have you can face up to 3 years in jail, a $10,000 fine, and up to 10 years license suspension.

On top of these risks, DUIs will increase your rates. Our study shows that drivers with a DUI pay $830 more per year for car insurance.

SR-22 DUI/DWAI Insurance

Indiana requires you to fill out an SR-22 form as proof of financial responsibility after a DUI. State law requires that an SR-22 be carried for three years after the end of the license suspension.

Car Accident Statistics

High accident rates result in higher insurance costs. The Fort Wayne Police Department reported 1,874 crashes in 2017 that involved personal injury. This is a 4.6 percent increase over crashes with injuries that occurred in 2016.

Insurers calculate high-risk routes in the area when figuring your premiums. Driving carefully helps everyone’s rates.

Traffic Fatalities

Fort Wayne is in Allen County, which reported 30 car crash fatalities in 2016.

Vehicle Theft Rates

Areas that have many car thefts face higher car insurance rates. That’s especially true if you drive a commonly-stolen car. Fort Wayne reported 414 auto thefts in 2016. This is a 24.6 percent increase over 332 auto thefts reported in 2015.

Car Insurance Discounts in Fort Wayne

Looking to save money on your car insurance in Fort Wayne? There are many discount options available to lower your premiums:

  1. Do you have more than one car? See if your insurer provides a multiple car discount
  2. Take a certified defensive driving course 
  3. Bundle your car insurance with your home or renters insurance. It can cut up to 20 percent off your total bill
  4. If you live in a safe neighborhood in Fort Wayne, you could save money 
  5. If you’re 55 or over, see if a senior citizens discount is available 
  6. Are you married? Insurers may offer discounts to married couples

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