Best Cheap Auto Insurance in Fort Wayne, IN (2021)

The average Fort Wayne, IN auto insurance rates are $275 per month. The minimum auto insurance in Fort Wayne is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in Fort Wayne, Indiana, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The minimum auto insurance required in Fort Wayne, Indiana is 25/50/25
  • Average auto insurance rates in Fort Wayne, IN for senior drivers are $1,719 per year
  • The average commute length in Fort Wayne is 21.2 minutes

Fort Wayne, Indiana auto insurance requirements are 25/50/25 according to Indiana auto insurance laws. Finding cheap auto insurance in Fort Wayne can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fort Wayne, Indiana, including driving record, credit, commute time, and more.

Compare auto insurance in Fort Wayne to other Indiana cities, including Carmel auto insurance rates, Hammond auto insurance rates, and Fishers auto insurance rates to see how Fort Wayne, Indiana auto insurance rates stack up.

Before you buy Fort Wayne, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fort Wayne, Indiana auto insurance quotes.

Minimum Auto Insurance in Fort Wayne, Indiana

Fort Wayne, Indiana auto insurance laws require that you have at least the Indiana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Fort Wayne, Indiana.

Minimum Required Auto 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

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Cheap Fort Wayne, Indiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Fort Wayne, Indiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Fort Wayne, Indiana Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Fort Wayne, Indiana is a challenge. Take a look at the annual teen auto insurance rates in Fort Wayne, Indiana.

Annual Auto 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

Cheap Fort Wayne, Indiana Auto Insurance for Seniors

What are senior auto insurance rates in Fort Wayne, Indiana? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Fort Wayne, Indiana Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fort Wayne, Indiana compared to the annual auto insurance rates with a clean record in Fort Wayne, Indiana.

Annual Fort Wayne, Indiana Auto 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

Cheap Fort Wayne, Indiana Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Fort Wayne, Indiana is not easy. Compare the annual rates for DUI auto insurance in Fort Wayne, Indiana to find the best deal.

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

Insurance Company Annual Auto 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

Cheap Fort Wayne, Indiana Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Fort Wayne, Indiana annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Fort Wayne, Indiana Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Fort Wayne, Indiana can vary. Compare the annual cost of auto insurance by ZIP code in Fort Wayne, Indiana to see how car insurance rates are affected by location.

Annual Auto 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

Cheap Fort Wayne, Indiana Auto Insurance Rates By Commute

Commute length and annual mileage affect Fort Wayne, Indiana auto insurance. Find the cheapest annual Fort Wayne, Indiana auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Fort Wayne, Indiana Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Fort Wayne, Indiana? Check out the comparison of annual Fort Wayne, Indiana auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Fort Wayne, Indiana

Compare the cheapest auto insurance companies in Fort Wayne, Indiana in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Fort Wayne, Indiana Auto Insurance Companies

What auto insurance companies in Fort Wayne, Indiana are the cheapest? Compare the top Fort Wayne, Indiana auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Fort Wayne, Indiana?

There are a lot of reasons why auto insurance rates in Fort Wayne, Indiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fort Wayne, Indiana. Many local factors may affect your Fort Wayne auto insurance rates.

Fort Wayne Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Fort Wayne, Indiana auto theft statistics, there have been 548 auto thefts in the city.

Fort Wayne Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fort Wayne, Indiana commute length is 21.2 minutes according to City-Data.

Fort Wayne Traffic

How does Fort Wayne, Indiana rank for traffic? According to Inrix Fort Wayne, Indiana is the 864th most congested worldwide.

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Compare Fort Wayne, Indiana Auto Insurance Quotes

Before you buy Fort Wayne, Indiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fort Wayne, Indiana auto insurance quotes.

Free Auto Insurance Comparison

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

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