Cheap Car Insurance in Fort Wayne

Written by Xuyun Zeng and 2 others
Updated Mar 26, 2025
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Cheap Car Insurance in Fort Wayne

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Fort Wayne’s flat, tree-lined streets are generally pleasant, but the city still has its share of distracted, inebriated and/or speedy drivers. There were 13,053 collisions in Allen County in 2022, 44 of them fatal. 

Whether you’re heading out to catch a TinCaps game or grabbing a bite at Coney Island, it’s best to have a robust car insurance policy on your vehicle. We’ll help you break down the factors that can affect the price of car insurance in Fort Wayne, such as your age, zip code and driving record.

Cheapest minimum coverage insurance in Fort Wayne

Here are the cheapest quotes for minimum coverage in Fort Wayne, based on Jerry’s data.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$32 $378 Trexis 47 October 2, 2024 Fort Wayne, IN 46825
$32 $384 Progressive 36 March 10, 2024 Fort Wayne, IN 46806
$32 $386 Progressive 52 January 22, 2025 Fort Wayne, IN 46815
$33 $398 Progressive 31 March 4, 2025 Fort Wayne, IN 46805
$37 $438 Trexis 45 January 30, 2025 Fort Wayne, IN 46804
$40 $476 Progressive 36 February 1, 2025 Fort Wayne, IN 46808
$41 $492 Trexis 49 February 14, 2025 Fort Wayne, IN 46808
$41 $494 Trexis 43 March 22, 2025 Fort Wayne, IN 46808
$42 $506 Trexis 30 March 8, 2025 Fort Wayne, IN 46845
$43 $516 Assurance America 34 March 14, 2025 Fort Wayne, IN 46808
Last Updated Mar 26, 2025

Indiana law requires drivers to carry these minimum coverages:

  • $25,000 in bodily injury liability per person injured in an accident.
  • $50,000 for two or more people injured in one accident.
  • $25,000 for damage to other peoples’ property.

New policies also include uninsured and underinsured motorist coverage, but drivers can reject this in writing. These are the minimum limits:

  • $25,000 for uninsured motorist bodily injury coverage to one person, and $50,000 to two or more people in an accident
  • $25,000 towards property damage
  • $50,000 for underinsured motorist bodily injury coverage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Fort Wayne

According to the National Weather Service, Fort Wayne typically gets its first day of freezing temperatures around October 15 and its last day around April 25. This means Fort Wayne may see freezing conditions for up to six months in a year. If you’re in an accident on icy roads, the state’s minimum required coverage won’t pay for repairs to your car, but full coverage could. Here are the cheapest full coverage quotes that Jerry customers in Fort Wayne have received.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$32 $386 Progressive 52 January 22, 2025 Fort Wayne, IN 46815
$33 $398 Progressive 31 March 4, 2025 Fort Wayne, IN 46805
$40 $476 Progressive 36 February 1, 2025 Fort Wayne, IN 46808
$45 $540 Progressive 72 December 28, 2024 Fort Wayne, IN 46835
$48 $574 Progressive 47 January 3, 2025 Fort Wayne, IN 46825
$50 $596 Progressive 47 February 1, 2025 Fort Wayne, IN 46825
$53 $634 Progressive 38 November 1, 2023 Fort Wayne, IN 46804
$56 $668 Progressive 54 December 29, 2023 Fort Wayne, IN 46825
$57 $679 Safeco 38 November 1, 2023 Fort Wayne, IN 46804
$60 $718 Progressive 65 September 2, 2024 Fort Wayne, IN 46818
Last Updated Mar 26, 2025

Cheapest car insurance for young drivers in Fort Wayne (18-29 years old)

New drivers with less experience on the road are likely to pay more for coverage, but premium costs typically drop as young drivers enter their late 20s. Check out the cheapest quotes for car insurance that young drivers in Fort Wayne have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$54 $650 Assurance America 26 No March 17, 2024 Fort Wayne, IN 46802
$67 $802 Trexis 26 No September 27, 2024 Fort Wayne, IN 46835
$67 $802 Trexis 26 No September 24, 2024 Fort Wayne, IN 46835
$67 $808 Assurance America 29 No April 30, 2024 Fort Wayne, IN 46816
$68 $820 Progressive 24 No November 26, 2024 Fort Wayne, IN 46802
Last Updated Mar 26, 2025

Cheapest car insurance for mature drivers in Fort Wayne (30-54 years old)

Drivers between the ages of 30 and 54 typically pay lower premiums than younger drivers. Check out the cheapest quotes that mature drivers in Fort Wayne have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$32 $378 Trexis 47 No October 2, 2024 Fort Wayne, IN 46825
$32 $384 Progressive 36 No March 10, 2024 Fort Wayne, IN 46806
$32 $386 Progressive 52 Yes January 22, 2025 Fort Wayne, IN 46815
$33 $398 Progressive 31 Yes March 4, 2025 Fort Wayne, IN 46805
$33 $398 Progressive 31 No March 4, 2025 Fort Wayne, IN 46805
Last Updated Mar 26, 2025

Cheapest car insurance for older drivers in Fort Wayne (55+ years old)

Drivers who are 55 and older typically pay the lowest rates, but those premiums may rise when they enter their 70s. Below are the cheapest insurance quotes that older drivers in Fort Wayne received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$45 $540 Progressive 72 December 28, 2024 Fort Wayne, IN 46835 Yes
$48 $572 Assurance America 55 January 20, 2024 Fort Wayne, IN 46825 No
$51 $606 Progressive 56 October 10, 2024 Fort Wayne, IN 46806 No
$60 $718 Progressive 65 September 2, 2024 Fort Wayne, IN 46818 Yes
$66 $795 Trexis 56 October 10, 2024 Fort Wayne, IN 46806 No
Last Updated Mar 26, 2025

Cheapest car insurance for drivers with clean records in Fort Wayne

Drivers with no accidents, claims or citations typically get the lowest possible rates. These are the quotes that drivers with clean records in Fort Wayne have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$32 $384 Progressive 36 March 10, 2024 No Fort Wayne, IN 46806
$32 $386 Progressive 52 January 22, 2025 Yes Fort Wayne, IN 46815
$33 $398 Progressive 31 March 4, 2025 No Fort Wayne, IN 46805
$33 $398 Progressive 31 March 4, 2025 Yes Fort Wayne, IN 46805
$37 $438 Trexis 45 January 30, 2025 No Fort Wayne, IN 46804
$40 $476 Progressive 36 February 1, 2025 Yes Fort Wayne, IN 46808
$42 $506 Trexis 30 March 8, 2025 No Fort Wayne, IN 46845
$43 $520 Trexis 30 August 25, 2024 No Fort Wayne, IN 46814
$47 $566 Trexis 42 December 18, 2024 No Fort Wayne, IN 46825
$48 $570 Trexis 52 September 4, 2024 No Fort Wayne, IN 46807
Last Updated Mar 26, 2025

Cheapest car insurance for drivers with low credit scores in Fort Wayne

Indiana allows insurers to use a driver’s credit score to help calculate their premium and drivers with low scores typically pay higher premiums. Here are the cheapest quotes that drivers with credit scores below 550 have received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $48 $570 Trexis 52 September 4, 2024 Fort Wayne, IN 46807
<550 $55 $654 Progressive 52 September 4, 2024 Fort Wayne, IN 46807
<550 $59 $704 Progressive 35 March 1, 2025 Fort Wayne, IN 46808
<550 $65 $774 Progressive 52 March 28, 2024 Fort Wayne, IN 46807
<550 $65 $778 The General 54 November 20, 2023 Fort Wayne, IN 46818
Last Updated Mar 26, 2025

Cheapest car insurance for drivers with at-fault accidents in Fort Wayne

An at-fault accident is likely to cause an insurer to raise your rates. If you’ve recently been in an accident, it’s wise to compare quotes from multiple insurers before your policy renews to help you secure the cheapest premium. These are the cheapest quotes that drivers with at-fault accidents in Fort Wayne received through Jerry.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $43 $516 Assurance America 34 No March 14, 2025 Fort Wayne, IN 46808
At Fault With No Injury $47 $565 Trexis 34 No March 14, 2025 Fort Wayne, IN 46808
At Fault With No Injury $48 $572 Assurance America 55 No January 20, 2024 Fort Wayne, IN 46825
At Fault With Injury $53 $630 National General 40 No May 11, 2024 Fort Wayne, IN 46819
At Fault With Injury $53 $630 National General 40 No May 17, 2024 Fort Wayne, IN 46819
Last Updated Mar 26, 2025

Cheapest car insurance for drivers with speeding tickets in Fort Wayne

Insurance premiums are likely to increase after you receive a speeding citation, but the amount of increase may depend on the speed you were cited at. Since insurers penalize speeding differently, it’s wise to cost-compare with multiple providers. These are the cheapest quotes that Jerry customers in Fort Wayne with speeding tickets have received.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $65 $784 Assurance America 41 May 30, 2024 Fort Wayne, IN 46815
Speeding under 15 $75 $896 Safeco 41 May 30, 2024 Fort Wayne, IN 46815
Speeding over 15 $87 $1,046 Clearcover 23 January 22, 2025 Fort Wayne, IN 46804
Speeding over 15 $101 $1,206 Progressive 61 September 13, 2024 Fort Wayne, IN 46845
Speeding over 15 $102 $1,221 Trexis 27 January 11, 2025 Fort Wayne, IN 46835
Last Updated Mar 26, 2025

Cheapest car insurance for drivers with DUIs in Fort Wayne

Some insurers consider DUIs to be major violations, meaning your premium will increase — and some insurers may decline to insure you. If you’ve recently been cited, shop around for multiple quotes to get the coverage you need at the best price. Here are the cheapest quotes that drivers with DUIs in Fort Wayne have received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $62 $748 Electric 49 September 20, 2024 Fort Wayne, IN 46804
DUI $66 $788 Electric 49 September 16, 2024 Fort Wayne, IN 46804
DUI $66 $788 Electric 49 September 15, 2024 Fort Wayne, IN 46804
DUI $68 $810 National General 36 June 9, 2024 Fort Wayne, IN 46804
DUI $99 $1,182 The General 36 January 3, 2024 Fort Wayne, IN 46804
Last Updated Mar 26, 2025
MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.