Best Car Insurance in Fort Wayne 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Fort Wayne.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
March 17, 2021Toyota Corolla Base4683533Progressive$120/mo.$63/mo.
April 17, 2021Hyundai Sonata GLS4680744Progressive$150/mo.$71/mo.
October 2, 2021Chevrolet Cruze LT4680424ClearCover$116/mo.$82/mo.
September 1, 2021Ford Focus SE4683528ClearCover$159/mo.$118/mo.
October 5, 2021Chevrolet Impala LT4680633Electric$201/mo.$175/mo.
Here’s more information about what impacts the insurance rates in your Fort Wayne.

How much does car insurance cost in Fort Wayne?

Car insurance in Fort Wayne, Indiana costs single-car drivers an average of $1,646 annually, or about $137 per month. Compared to the state annual average of $2,361, auto insurance in Fort Wayne is $716 lower higher.
Fort Wayne is renowned for its parks, burgeoning art scene, and riverside views, but finding affordable car insurance may be tricky. A growing population and increasing natural disaster risk could cause insurance rates to climb.
But that doesn’t mean that you can’t find a great deal! Jerry is an easy-to-use licensed broker app that helps make shopping around for car insurance a lot less stressful. Jerry lets you compare rates from up to 50 top providers in under a minute or less. Oh yeah, and the average Jerry user saves almost $900 a year on car insurance!
Here’s a rundown of what you need to know about car insurance in Fort Wayne.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Fort Wayne$1,817$1,400$1,212$1,176$2,268$2,085
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Fort WayneNational Average
All Coverage Before Jerry
$1,817$3,223
All Coverage After Jerry
$1,400$2,143
Minimum Coverage Before Jerry
$1,212$3,086
Minimum Coverage After Jerry
$1,176$1,764
Full Coverage Before Jerry
$2,268$3,423
Full Coverage After Jerry
$2,085$2,486
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Choosing a carrier in Fort Wayne

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Car insurance rates in Indiana are relatively affordable. However, providers use different formulas for their quotes—so it’s easy to end up paying more than you have to.
Shopping around is always a great way to find a deal. And with so many carriers to choose from, you should be able to find the coverages you want at an affordable price.
Some in-demand carriers include GEICO insurance in Fort Wayne, Indiana. Progressive, State Farm, and Wawanesa are also common picks. Your demographics, driving history, discount eligibility all help determine your rates, so you’ll have to consider what company offers the best options for you.
Here’s what drivers pay with some of the most popular insurance providers in Fort Wayne before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Progressive$1,984$559Compare Prices
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What kind of car insurance you need in Fort Wayne

In Fort Wayne, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Indiana drivers are required by law to carry the following liability and uninsured motorist insurance limits. You can reject the uninsured motorist coverage in writing if you want—but it is usually good to have!
Make sure you always have proof of coverage and vehicle registration on hand when driving in case you are pulled over by law enforcement or involved in a claim. You could face penalties or fines if you are unable to produce these documents.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
It’s usually a good idea to purchase more than just the state minimum car insurance limits.
You won’t be protected by your liability insurance, it only pays out to help cover the costs of other parties involved if you cause an accident. And uninsured motorist insurance will only cover you if you get in an accident caused by a driver who doesn’t have enough car insurance for your expenses.
Here are some additional coverages that would serve drivers in Fort Wayne well:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceIf your car is damaged in a collision or rollover, collision insurance will help cover the costs regardless of fault.
High population densityPersonal injury protection (PIP)Accidents are more likely in densely populated areas, and PIP insurance will help cover medical costs or other personal expenses related to a claim.
Population GrowthRental reimbursementRental reimbursement insurance provides limited reimbursement for a rental car or public transportation if your vehicle needs repairs after a claim.
Flooding, tornados, stormsComprehensive insuranceComprehensive insurance applies if your car gets damaged by a non-collision incident like weather, theft, or vandalism.
Poorly maintained roadsRoadside assistanceIndiana has some of the worst roads in the country, and roadside assistance gives you 24/7 access to helpful roadside services.

What determines your car insurance cost in Fort Wayne

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Fort Wayne, you could be paying as much as $49 more per month than an adult driver. These are average rates for Jerry customers in Fort Wayne broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,460$112
21-24$2,211$762
25-34$1,748$293
35-44$1,516$337
45-54$1,200$223
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Fort Wayne with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$1,817$417
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Where in Fort Wayne you live

It may seem like insurance rates in Fort Wayne should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Fort Wayne, residents of 46806, 46819, 46816, 46835 and 46809 will have the most expensive car insurance rates, while people who live in 46805, 46818, 46807, 46802 and 46825 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Fort Wayne:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 15, 202146818Ford Escape TitaniumIN49Assurance America$96/mo.$71/mo.
October 5, 202146802GMC Envoy DenaliIN36ClearCover$110/mo.$82/mo.
October 2, 202146804Chevrolet Cruze LTIN24ClearCover$116/mo.$82/mo.
October 15, 202146808Mercedes-Benz C 300IN36Nationwide$136/mo.$106/mo.
October 5, 202146806Chevrolet Impala LTIN33Electric$201/mo.$175/mo.
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Why is car insurance in Fort Wayne so expensive?

A variety of considerations determine baseline car insurance rates in Fort Wayne. Insurance companies often consider the following:
There are a handful of factors that may contribute to high car insurance rates in Fort Wayne.

High accident rates

Accident rates have been climbing statewide in recent years, which means car insurance rates may also increase. Risk is always a major consideration for car insurance companies. If accidents are more likely, they will raise premiums since claims are more likely.

Difficult driving conditions

Indiana has the dubious honor of having the third-worst roads in the country. Accidents are also more likely in heavily populated areas, and Fort Wayne is the second-largest urban center in the state.

Inclement weather

The Fort Wayne area is prone to snow, hail, high winds, and tornadoes. Since the city is at the confluence of three rivers, flooding is always a risk. Insurance carriers take this into account when setting car insurance rates.

How can you save money on car insurance in Fort Wayne?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Discounts can help make your car insurance in Fort Wayne more affordable. Most carriers offer some discounts, but some deals may be more valuable than others.
Here are some standard discounts you may find through insurance carriers in Fort Wayne:
DiscountDescription
Multi-carHouseholds with more than one car may be able to save money by choosing the same provider for both vehicles.
Defensive drivingSome state-approved defensive driving courses could earn you a discount on your car insurance.
Vehicle Safety FeaturesMany providers offer discounts for cars with safety features like electronic locks or airbags.
Continuous coverageIf you don’t let your coverage lapse, you might be eligible for a small discount.
UsageTelematics programs are usually voluntary and track your driving to reward safe practices.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

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