How much is auto insurance in Fort Wayne?
The average car insurance rate in Fort Wayne, Indiana, is $1,140 per year. That's less expensive than the average rate in Indiana ($1,165) and less expensive than the national average of $1,548. Our guide to car insurance in Fort Wayne — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history and marital status.
FORT WAYNE AUTO INSURANCE PREMIUMS
|Fort Wayne Average (per year)||Indiana Average||National Average|
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Fort Wayne auto insurance rates by company
The company-by-company differences in car insurance rates can be substantial, so it's important to compare auto insurance quotes thoroughly and choose your insurer carefully. For a typical insurance customer, Erie provides Fort Wayne's cheapest rates. Reference below the top options for affordable insurance in Fort Wayne. Don't forget to get car insurance quotes based on your unique driving profile.
FORT WAYNE CAR INSURANCE PREMIUMS BY COMPANY
Fort Wayne auto insurance premiums by age
The best age for car insurance rates as a driver in Fort Wayne is your 50s: drivers in this age group pay an average of $981per year. Drivers in their 60s pay marginally higher rates for insurance coverage — $1,023 per year.
The Fort Wayne drivers who face the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Fort Wayne is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Fort Wayne is $2,425, the largest such difference between any two age groups.
FORT WAYNE CAR INSURANCE RATES BY DRIVER AGE
|Age tier||Average Yearly Rate|
Fort Wayne auto insurance costs by marital status and gender
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the U.S., single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Fort Wayne pay $56 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Fort Wayne, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can affect car insurance rates. In Fort Wayne, the gap in car insurance rates between genders is $27 per year, with male drivers paying more than female drivers.
FORT WAYNE AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
Fort Wayne car insurance costs by violation history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Fort Wayne, a reckless driving citation results in an average insurance rate increase of $550 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $486 increase and a speeding ticket triggers a $324 rate hike.
FORT WAYNE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Citation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,530|
|At-fault Accident (damages greater than $2,000)||$1,641|
|Speeding Ticket (16-20 mph over speed limit)||$1,464|
Fort Wayne car insurance rates by credit score
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Fort Wayne drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 60% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Fort Wayne, improving your credit to "Fair" could help you earn a $938 decrease in yearly insurance premiums.
FORT WAYNE CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Level||Average Yearly Rate|
What drives up car insurance rates in Fort Wayne?
Where you live in Fort Wayne affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Fort Wayne is no exception to the rule. From ZIP code 46819 to 46806, premiums rise by 6 percent—that’s $56.
Expensive Fort Wayne ZIP codes: 46845, 46807, 46816, 46803, 46806
Cheap Fort Wayne ZIP codes: 46819, 46815, 46835, 46805, 46809
Fort Wayne Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Fort Wayne, you can expect 131 rainy days with an annual rainfall of 37 inches. Fort Wayne is also known to experience severe winter storms.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Fort Wayne
Find Local Fort Wayne Agents
Gibson Insurance Group - Fort Wayne
200 E. Main St., Suite 820, Fort Wayne, IN 46802
Welker & Associates
2314 Lake Avenue, Fort Wayne, IN 46805
The DeHayes Group
5150 W Jefferson Blvd, Fort Wayne, IN 46804
Shuttleworth Financial Services, Inc.
5011 Covington Rd, Fort Wayne, IN 46804
USI Insurance Services
1721 Magnavox Way, Fort Wayne, IN 46804
1st Source Insurance, Inc.
7561 W Jefferson Blvd, Fort Wayne, IN 46804
Lupke Rice Associates
127 West Berry St #500, Fort Wayne, IN 46802
6714 Pointe Inverness Way #100, Fort Wayne, IN 46804
Summit City Insurance Counselors
6206-B Constitution Dr, Fort Wayne, IN 46804
W. Robert Byers Insurance Agency
2200 Lake Ave Ste 100, Fort Wayne, IN 46895
Imel Insurance Agency
2700 Lower Huntington Road, Fort Wayne, IN 46809
Gregory Associates, Inc
4011 W Jefferson Blvd, Fort Wayne, IN 46804
Regions Ins Inc DBA Miles & Finch
217 E Tillman, Fort Wayne, IN 46816
GA MacDonald Associates, Inc.
2200 Lake Ave Ste 120, Fort Wayne, IN 46805
Baatz Insurance Corp
6206 Constitution Dr., Fort Wayne, IN 46804
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