How to find the cheapest car insurance in Fort Wayne
On average, auto insurance in Fort Wayne costs about $74 per month for minimum coverage liability insurance and about $150 per month for full coverage insurance. Fort Wayne drivers pay 10% less than the average.
Prudent drivers in Fort Wayne visit Jerry every month because Jerry makes it easy for customers to compare and buy car insurance policies. Below, we’ll cover some of the cheapest car insurance quotes Jerry found for Fort Wayne drivers.
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Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Safeco | $362 | 63 | 46805 | Nissan Sentra Sv | State Minimum | Yes |
| Progressive | $221 | 63 | 46805 | Nissan Sentra S | State Minimum | Yes |
| Safeco | $345 | 42 | 46805 | Jeep Cherokee Latitude | State Minimum | Yes |
| Progressive | $48 | 46 | 46825 | Nissan Altima 3.5Se | State Minimum | No |
| Electric | $103 | 42 | 46816 | Ford Flex Se | State Minimum | No |
Best car insurance companies in Fort Wayne
There is no single best car insurance company for everyone. The most important reason is that every customer gets different car insurance quotes based on their profile—meaning that the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service.
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us. A universal “best” car insurance company doesn’t exist.
State Farm is the most popular insurance provider in the country. But our survey shows that customers in Indiana favor insurers like Assurance America, National General, and Root—all of which earned an overall rating of 5/5.
The table below shows how drivers in Fort Wayne rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| National General | 4.6 | 4.4 | N/A | 4.8 |
| Gainsco | 4.4 | 4.8 | N/A | 4.6 |
| Progressive | 4.4 | 4.2 | 4.1 | 4.3 |
| Farmers | 4.3 | 4 | N/A | 4.8 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Fort Wayne
When you’re shopping for car insurance in Fort Wayne, first consider how much coverage you need. In the Jerry app, quotes are organized into four levels of coverage:
- Basic: State minimum liability coverage
- Basic + Full coverage: State minimum liability, plus comprehensive and collision
- Standard: 50/100/50 liability coverage, plus full coverage and essential add-ons
- Preferred: 100/300/100 liability coverage, plus full coverage and top-tier add-ons like rental reimbursement
You also have the option to customize your coverage so you can create the exact policy you need.
Cheap minimum liability insurance quotes in Fort Wayne
Drivers in Indiana are legally required to carry minimum liability insurance to ensure financial responsibility while behind the wheel. Indiana’s car insurance requirements are:
- $25,000 per person of bodily injury liability
- $50,000 per accident of bodily injury liability
- $25,000 per accident of property damage liability
These coverages are commonly referred to as 25/50/25 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
Do you need more than minimum coverage in Fort Wayne?
Most drivers in Fort Wayne would do well to consider purchasing higher liability coverage than the state minimum of 25/50/25.
If you’re in an at-fault accident, these minimums may not be enough to cover vehicle repairs and medical bills—and this is particularly true if the accident results in severe injuries to another person or if the car is totaled.
And keep in mind: Indiana’s car accident laws allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident!
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage as well as full coverage.
Cheap full coverage car insurance quotes in Fort Wayne
If you want to be sure that your own costs will be covered if you need to repair or replace your car after an accident, you’ll need full-coverage car insurance.
Full coverage includes comprehensive and collision coverage:
- Comprehensive coverage pays for damages to your car caused by perils other than collision or upset—including losses such as theft, fire, windstorm, or glass breakage
- Collision coverage pays for damages to your car resulting from a collision or rollover.
Need to know: If you lease your car or have a car loan, your lender will typically require you to carry full coverage as part of your insurance policy.
You can also choose to enhance your insurance protection by purchasing additional coverages. Popular insurance add-ons in Indiana include:
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Rental reimbursement
- Roadside assistance
- Uninsured/underinsured motorist coverage (UM/UIM)
- Gap insurance
Average cost of car insurance in Fort Wayne
Based on our experience in assisting thousands of insurance customers in the Hoosier state, we’ve learned that the average cost of minimum liability coverage in Fort Wayne amounts to approximately $74 per month or $888 per year. The average price for full coverage insurance in Fort Wayne is $150 per month or $1,800 per year.
While the national average can give you an idea of potential insurance costs, individual insurance premiums are influenced by many factors—the type of vehicle, driving history, claims record, demographic information, and more.
Car insurance quotes in Fort Wayne by rating factors
Insurance companies in Fort Wayne use many rating factors when calculating your auto insurance premium:
- Driving record and claims history: If your Indiana driving record has a history of accidents or tickets, insurance companies are likely to charge higher premiums.
- Location: Rates may be higher if you reside in a city versus a rural area, and can also vary between ZIP codes within the same city.
- Vehicle type: Luxury, high-performance, and sports cars typically have higher insurance costs for collision and comprehensive coverage.
- Usage: Insurance companies often charge higher premiums if you use your car for commuting to and from work compared to using it solely for leisure purposes.
- Credit score: If you have a high credit rating you’ll generally pay less for insurance—and your creditworthiness typically affords you lower starting quotes.
Cheap car insurance quotes in Fort Wayne after driving violations
Insurance companies consider driving violations an indication of increased risk—and as a result, a history of moving violations means higher insurance premiums.
Your rate will increase based on the severity of the violation and the number of points accumulated on your Indiana driving record.
Cheapest car insurance in Fort Wayne after speeding ticket
In Indiana, speeding tickets can cost $300 each, plus additional penalties like points. Speeding can earn you between two to eight points, depending on how fast you were going.
Points and speeding tickets will raise your insurance premium. More points and more tickets mean higher costs. Kendallville drivers have used Jerry to find coverage after a speeding ticket.
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Speeding Type
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Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Major | Progressive | $145 | 23 | 46807 | Chevrolet Impala Lt | State Minimum | No |
| Speeding Violation-Major | Progressive | $381 | 20 | 46815 | Hyundai Elantra Limited | State Minimum | Yes |
| Speeding Violation-Minor | Progressive | $218 | 33 | 46825 | Gmc Sierra K1500 Slt | State Minimum | Yes |
| Speeding Violation-Minor | The General | $707 | 39 | 46835 | Hyundai Sonata Limited | State Minimum | Yes |
| Speeding Violation-Major | Trexis | $119 | 21 | 46818 | Chevrolet Trax 1Lt | State Minimum | No |
Cheapest car insurance in Fort Wayne after DUI
In Fort Wayne, a DUI violation typically leads to a substantial increase in car insurance rates compared to traffic infractions and other road violations.
Following a DUI citation, you will likely need to shop multiple insurance providers to find the best rates available.
Jerry has helped many Fort Wayne drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Fort Wayne after an at-fault accident
Your accident and claims history play a significant role in determining auto insurance rates for Fort Wayne drivers since they give insurance companies an idea of your level of risk as a policyholder.
Indiana is an at-fault state, so a recent at-fault accident can lead to a substantial increase in your coverage premiums come policy renewal.
Jerry has helped many Fort Wayne drivers save on car insurance after accidents.
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Accident type
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Insurance Company
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Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | National General | $154 | 28 | 46825 | Ford Explorer | 50/100 | Yes |
| Not At Fault | Progressive | $221 | 63 | 46805 | Nissan Sentra S | State Minimum | Yes |
| At Fault With No Injury | Safeco | $345 | 42 | 46805 | Jeep Cherokee Latitude | State Minimum | Yes |
| At Fault With No Injury | Electric | $103 | 42 | 46816 | Ford Flex Se | State Minimum | No |
| At Fault With No Injury | Trexis | $94 | 27 | 46808 | Nissan Titan Le | State Minimum | No |
Cheapest car insurance in Fort Wayne after other driving violations
Apart from speeding tickets and DUIs, other violations can increase car insurance costs in Fort Wayne.
Common moving violations include speeding, reckless driving, and driving with a suspended license. Explore how Jerry has helped policyholders with violations on their driving records lower their monthly premiums.
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Violation
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Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Suspension | Progressive | $48 | 46 | 46825 | Nissan Altima 3.5Se | State Minimum | No |
| Driving on Sus. License | National General | $81 | 39 | 46819 | Ford Fusion Titanium | State Minimum | No |
| Driving on Sus. License | Progressive | $166 | 29 | 46825 | Dodge Avenger Se | State Minimum | No |
| Other Minor | Electric | $398 | 27 | 46815 | Bmw 320 I Xdrive | 50/100 | Yes |
| Improper Passing | Electric | $256 | 54 | 46803 | Dodge Ram 1500 | State Minimum | Yes |
Cheap car insurance quotes in Fort Wayne by age
Generally, young drivers pay higher car insurance premiums compared to older and more experienced drivers because they’re more likely to be involved in accidents and engage in risky driving behaviors. By the age of 25, insurance rates tend to decrease.
On the other end of the age spectrum, older drivers may also experience higher insurance costs. Certain age-related factors—such as declining vision or slower reaction times—can increase the likelihood of an accident and result in greater risk for the insurer.
Ultimately, car insurance rates are the result of many factors—age is just one of them. Drivers young and old should shop around to find cost-effective coverage suited to their needs.
Cheapest car insurance in Fort Wayne for young drivers
In Fort Wayne, teen drivers between the ages of 16 and 19 typically face the highest insurance rates compared to other age groups.
Full coverage is typically the best option for teen drivers as it offers comprehensive financial protection—especially for teens who own and drive newer cars.
Cheapest car insurance in Fort Wayne for senior drivers
Despite years of driving experience, seniors may experience age-related changes in vision, hearing, and cognitive abilities that affect their driving skills. Senior drivers are also more likely to sustain severe injuries in an accident compared to younger drivers.
Since insurance companies identify seniors as high-risk for serious accident and injury claims, they increase rates for seniors to compensate.
Cheap car insurance quotes in Fort Wayne based on insurance history
Insurance history plays a significant role in determining your car insurance rates—particularly whether you maintain continuous coverage.
When you have a coverage gap, insurance companies consider you a higher risk. An insurance coverage lapse will result in higher rates.
Payment reminders from Jerry help customers stay on track with insurance payments and prevent lapses in coverage. By proactively reminding you of upcoming payments or notifying you if you’re late, Jerry ensures timely and continuous coverage.
Jerry can help uninsured and lapsed-coverage customers discover savings with new policies.
Cheap car insurance quotes in Fort Wayne for drivers with poor credit
Indiana is one of many states that use credit-based insurance scores to determine rates. While your credit rating may not directly reflect your driving ability, insurance companies have found a correlation between lower credit scores and a higher likelihood of filing claims.
Drivers with poor credit scores usually receive higher insurance rates compared to those with good credit ratings.
According to our data, the average car insurance rate for individuals in the lowest credit bracket (a score under 550) is nearly 20% higher than the average rate for those with excellent credit (above 750).
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Credit Range
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | Safeco | $345 | 42 | 46805 | Jeep Cherokee Latitude | State Minimum | Yes |
| 660-750 | Progressive | $48 | 46 | 46825 | Nissan Altima 3.5Se | State Minimum | No |
| 550-659 | Electric | $103 | 42 | 46816 | Ford Flex Se | State Minimum | No |
| 550-659 | Trexis | $94 | 27 | 46808 | Nissan Titan Le | State Minimum | No |
| 550-659 | Progressive | $67 | 29 | 46825 | Honda Civic Ex | State Minimum | Yes |
Cheap car insurance quotes in Fort Wayne for popular cars
Cars that are cheap to insure tend to have low repair costs, anti-theft technology, and great safety features. For insurance providers, this translates to a low risk of expensive repair bills or theft.
In Indiana, some of the most popular models include:
- Chevy Silverado 1500
- Toyota Camry
- Honda Civic
- Jeep Wrangler
- Ford F-150
Learn more: How to get car insurance before buying a car
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Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Honda Civic Ex | Progressive | $67 | 29 | 46825 | State Minimum | Yes |
| Chevrolet Silverado K2500Hd | Safeco | $218 | 30 | 46802 | State Minimum | Yes |
| Honda Civic Lx | Progressive | $68 | 34 | 46809 | State Minimum | Yes |
| Ford F-150 | Progressive | $120 | 23 | 46845 | State Minimum | Yes |
| Chevrolet Silverado Ltd K1500 Trail Boss Custom | The General | $72 | 36 | 46802 | State Minimum | No |
Cheapest car insurance in Fort Wayne for new vs. old car
Insuring a new car tends to be more costly compared to an older car.
Based on our findings, full coverage insurance for a car over 10 years old in Fort Wayne averages $150 per month. As for a newer vehicle? The average cost increases to $150 per month to insure a car less than 4 years old.
How to lower car insurance costs in Fort Wayne
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts. Many providers offer discounts for drivers who avoid accidents and traffic violations for a specified period of time.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Fort Wayne so expensive?
- Frequent and severe accidents resulting in claims, especially in densely populated cities
- High concentration of uninsured drivers
- Severe weather conditions and natural disasters, including earthquakes, flooding, and winter storms
- Inflation, leading to higher costs across the board—especially for medical care
Learn more: 11 ways to lower car insurance
FAQ
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Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars. Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
