Find Cheap Car Insurance in Fort Wayne, IN (from $73/mo)

By Ross Martin Updated August 5, 2021

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
$1,140	$1,165	$1,548

Or compare personalized rates side-by-side:

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

Company	Average Yearly Rate
Erie	$734
State Farm	$916
AAA	$1,003
Indiana Farm Bureau	$1,154
Progressive	$1,167

Read our guide to finding the best cheap auto insurance.

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
Teens	$4,025
20s	$1,600
30s	$1,113
40s	$1,047
50s	$981
60s	$1,023
70s	$1,273

Learn more about how age influences auto insurance rates.

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
Female	$1,113
Male	$1,140
Single	$1,085
Married	$1,085
Divorced	$1,140
Widowed	$1,139

Learn more about the impact gender and marital status have on insurance rates.

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
DWI/DUI	$1,626
Reckless Driving	$1,690
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

Learn more about the impact of driving violations on car insurance rates.

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
Very Poor	$2,333
Fair	$1,395
Good	$1,140
Very Good	$1,036
Exceptional	$940

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

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.

131

Rainy Days a Year

37"

Avg. Annual Rainfall

32"

Avg. Annual Snowfall

Be Prepared For

Driving in Fort Wayne

Major Highways

U.S. 30 U.S. 33 I-69

Car Insurance Companies in Fort Wayne

21st Century AAA Insurance AFI Acceptance Insurance Advantage Auto Affirmative Allied Allstate American Family American Freedom AssuranceAmerica Bristol West Cal Casualty Celina Insurance Cinch Cincinnati Insurance Clearcover Dairyland Direct Auto Elephant Encova Erie Esurance FIMC Falcon Farmers First Chicago FIRST First Chicago Maverick Foremost Founders GEICO General Casualty Grange Mutual Hallmark Hanover Hastings Mutual Hippo Indiana Farmers Mutual InsureMax Jupiter Auto Kemper Auto Liberty Mutual Lighthouse MetLife Motorists Mutual National General Nationwide Pekin Insurance Progressive Safe Auto Safeco Say Insurance Sentry State Auto State Farm Stillwater The General The Hartford Titan Travelers USAA Unique United Farm Bureau Universal Property Utica National Insurance Group Victoria Western Reserve Group Westfield Wolverine Mutual

Find Local Fort Wayne Agents

Baatz Insurance Corp

6206 Constitution Dr., Fort Wayne, IN 46804

Fort Wayne, IN Car Insurance