The average full coverage car insurance policy in Indiana costs $1,215, making it one of the cheapest states for car insurance. In Fort Wayne, average rates for full coverage car insurance are even lower, at $1,186 per year.
Even though these rates are low compared to the national average, it is still important to make sure you are getting the best policy for the lowest price. policycentral can help you compare rates from top companies, so you can be sure you’re making the right choice.
Methodology & why you can trust our rates
policycentral has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Fort Wayne, IN
Car insurance rates are based on everything from your age to the coverage amounts you choose to your credit score and driving history. But not all companies charge the same amount for coverage, so you may get very different quotes from different carriers, even for the exact same coverage levels.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $710 | 890 |
GEICO | $799 | 874 |
State Farm | $831 | 882 |
Auto-Owners Insurance | $880 | 865 |
Indiana Farmers Insurance | $1,004 | -- |
Cheapest car insurance rates by ZIP code in Fort Wayne, IN
Your ZIP code plays a role in what you pay for car insurance. Drivers in densely populated cities will pay more because high congestion means more accidents. Insurance companies will also charge you more if you live in a ZIP code that has a lot of crime — particularly car theft and vandalism.
ZIP code | Average cost |
|---|---|
46835 | $1,137 |
46804 | $1,137 |
46825 | $1,151 |
46815 | $1,166 |
46808 | $1,167 |
46819 | $1,170 |
46818 | $1,172 |
46805 | $1,181 |
46802 | $1,189 |
46809 | $1,190 |
Choosing the right car insurance company in Fort Wayne, IN
There are some key factors to consider when choosing a car insurance company.
Coverage: How much coverage can you afford? More coverage means more protection, but it also means higher premiums
Price: How much is each company charging for the same amount of coverage? Do they offer discounts that apply to you?
Service: Is the company highly rated when it comes to claims satisfaction and customer service?
policycentral can help you understand your options and choose the coverage that’s best for you and your wallet.
Car insurance rates for drivers with driving violations in Fort Wayne, IN
Insurance companies use your driving history to determine the risk you pose. Usually, companies look back between three and five years to see if you have any violations on your record.
Minor offenses, such as making an illegal turn, will raise your rate slightly. But if you have a major offense, like a DUI, on your record, it can add over hundreds of dollars a year to your policy.
Violation | USAA | GEICO | State Farm | Auto-Owners Insurance | Indiana Farmers Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,104 | $1,720 | $1,162 | $1,403 | $1,286 |
DUI | $1,187 | $2,032 | $1,064 | $2,234 | $1,367 |
Suspended license | $1,143 | $2,444 | $1,064 | $2,234 | $1,367 |
Open container | $1,044 | $2,032 | $917 | $1,128 | $1,147 |
Expired registration | $962 | $1,287 | $917 | $882 | $1,147 |
Driving without lights | $962 | $1,287 | $917 | $882 | $1,257 |
Running a red light | $962 | $1,287 | $917 | $882 | $1,367 |
Following too closely | $962 | $1,287 | $917 | $882 | $1,367 |
Hit and run | $1,225 | $2,337 | $1,064 | $2,234 | $1,147 |
Not-at-fault accident | $768 | $991 | $844 | $969 | $1,147 |
Passing a school bus | $1,044 | $1,287 | $917 | $1,079 | $1,367 |
Reckless driving | $1,044 | $2,337 | $1,064 | $2,234 | $1,147 |
Speeding | $962 | $2,337 | $917 | $1,482 | $1,367 |
Cheapest car insurance for drivers with a DUI in Fort Wayne, IN
Drivers in Fort Wayne with a DUI or DWI pay significantly more for car insurance than drivers with a clean record. The average annual cost for car insurance in Fort Wayne is $1,186, but drivers with a DUI can expect to pay an average of of $2,082 per year.
But Fort Wayne drivers can save money by comparing quotes from multiple companies. According to our research, the three cheapest car insurance companies in Indiana for drivers with a DUI are State Farm, USAA, and Indiana Farmers Insurance.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,064 |
USAA | $1,187 |
Indiana Farmers Insurance | $1,367 |
GEICO | $2,032 |
Auto-Owners Insurance | $2,234 |
Cheapest car insurance for drivers with a speeding ticket in Fort Wayne, IN
Drivers in Fort Wayne will also see their rates go up if they get a speeding ticket or other moving violation. The average cost of insurance for a driver with a speeding ticket in Indiana is $1,793 per year. The companies offering the lowest rates for drivers in Indiana with a speeding ticket are State Farm, USAA, and Indiana Farmers Insurance, but the only way to know which company offers the lowest rates for you is to compare quotes from multiple insurers.
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $917 |
USAA | $962 |
Indiana Farmers Insurance | $1,367 |
Auto-Owners Insurance | $1,482 |
GEICO | $2,337 |
Cheapest car insurance for drivers with bad credit in Fort Wayne, IN
Generally, drivers with poor credit pay more for car insurance, and drivers with higher credit scores see lower rates. Not all companies view credit scores the same, however, so it’s important to shop around.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,255 |
USAA | $1,389 |
Grange Insurance | $1,395 |
Nationwide | $1,685 |
Travelers | $1,845 |
Buying car insurance in Fort Wayne, IN
The state of Indiana requires drivers to have a minimum amount of car insurance. The minimum amount of car insurance required in
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Uninsured motorist property damage: $25,000
Underinsured motorist coverage: $50,000 per person and $50,000 per accident
Indiana is not a no-fault state, which means the driver responsible for the accident is expected to pay for the damage and injuries they cause (that’s what liability coverage is for).
While Indiana law stipulates that insurance companies include $25,000 per person and $50,000 per accident of uninsured/underinsured motorist coverage on your policy, you can turn the coverage down as long as you do so in writing.
How to get cheap car insurance in Fort Wayne, IN
Finding affordable car insurance can feel daunting, but there are ways to make sure you pay the cheapest rates for the coverage you need:
Shop around: Check rates from multiple companies to see how they compare. You might find that one company is more forgiving of a questionable credit score or a speeding ticket than another
Look for discounts: Insurers offer discounts for safe driving, being a good student, and having safety features on your car. Make sure you take advantage of every discount that applies to you
Bundle policies: Get your home and auto policies from the same insurance company and you’ll have on both
Frequently asked questions
Is Indiana an at-fault state?
Yes, Indiana is an at-fault state. This means the driver who is at fault for an accident is responsible for any damages caused in an accident. If the at-fault driver doesn't have enough liability insurance, they will be expected to pay the expenses out-of-pocket.
How much car insurance do I need in Indiana?
Indiana state law requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage.
What is the best car insurance in Fort Wayne?
The cheapest average rate in Fort Wayne is $710 with USAA, but the best policy is the one that covers all of your needs and individual circumstances. It’s important to shop around and compare costs and coverage options before you buy.
How much is car insurance per month in Indiana?
Drivers in Indiana pay an average of $1,215 per year for car insurance, which breaks down to $101 per month. Drivers in Ft. Wayne pay an average of $99 per month, which is $2 less that the state average.
