What's the Average Cost of Car Insurance in Fort Wayne?


Indiana premiums are known for being inexpensive. They are generally $428 less than the national average. Keep some cash in your pocket by following our tips and saving on car insurance in Fort Wayne.


INSURANCE RATES: FORT WAYNE VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,141$1,141$1,569


Fort Wayne Auto Insurance by Violation or Accident History


Does your driving record show a history of accidents or violations? That may influence your car insurance rates. Reckless driving will increase your car insurance premiums more than other driving violations. Typically, a DUI in Fort Wayne will cost you 42% more in car insurance premiums versus the city average ($1,141). Reckless driving will also drive your premiums up, with typical rates of $1,717! Insurance rates are impacted by at-fault accident history, and more specifically, by the extent of the damage that was done in the accidents. Being at-fault in an accident with damages exceeding $2,000 costs you another $181 per year in premiums compared to an accident with damages less than $1,000.


AVERAGE FORT WAYNE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI$1,624
Reckless Driving$1,717
At-fault Accident (damages less than $1,000)$1,500
At-fault Accident (damages greater than $2,000)$1,682
Speeding Ticket (16-20 mph over speed limit)$1,386


Fort Wayne Car Insurance by Age

Fort Wayne drivers see the most significant drop in premiums when they reach their 20s, as they save an average of $3,260 from moving out of the teenage age range. When drivers turn 60, they will experience a premium increase related to their age for the first time. With payments of $4,251 on average, teenage drivers are the ones who pay the most in car insurance premiums. When looking across all age groups, drivers in their 50s tend to have the lowest car insurance premiums. Their rates typically average $991/year. Those in their 60s ($1,013) also have relatively low premiums.


FORT WAYNE CAR INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$4,251
20s$1,593
30s$1,126
40s$1,066
50s$991
60s$1,013
70s$1,171


Fort Wayne Car Insurance by Marital Status and Gender


In Fort Wayne, both gender and marital status can affect your auto insurance rates. Rates for those who are divorced are a hair more expensive than rates for those who are single, while rates for widowed individuals are cheaper. Being married can save you an average of $16 per year compared to being single. Unfortunately for women, their premiums tend to be a little more costly than for men.


FORT WAYNE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,150
Male$1,141
Single$1,141
Married$1,125
Divorced$1,145
Widowed$1,130


Fort Wayne Car Insurance by Credit Level


Average car insurance premiums in Fort Wayne for those with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). Moving from Very Poor (300-579) to Fair (580-669) offers drivers the most notable decrease in premiums, as they save approximately $809 per year.


FORT WAYNE AUTO INSURANCE RATES BY CREDIT TIER
Credit QualityAverage Auto Insurance Rate
Very Poor$2,169
Fair$1,360
Good$1,141
Very Good$1,057
Exceptional$997


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

131

Rainy Days a Year

37"

Avg. Annual Rainfall

32"

Avg. Annual Snowfall

Be Prepared For

Driving in Fort Wayne

2
Major Highways
U.S. 30 U.S. 33 I-69
2
Public Transit
Citilink Bus

Find Local Fort Wayne Agents

1st Source Insurance, Inc.

7561 W Jefferson Blvd Fort Wayne, IN 46804

Gregory Associates, Inc

4011 W Jefferson Blvd Fort Wayne, IN 46804

Hylant Group

6714 Pointe Inverness Way #100 Fort Wayne, IN 46804

USI Insurance Services

1721 Magnavox Way Fort Wayne, IN 46804

Shuttleworth Financial Services, Inc.

5011 Covington Rd Fort Wayne, IN 46804

Summit City Insurance Counselors

6206-B Constitution Dr Fort Wayne, IN 46804

GA MacDonald Associates, Inc.

2200 Lake Ave Ste 120 Fort Wayne, IN 46805

Imel Insurance Agency

2700 Lower Huntington Road Fort Wayne, IN 46809

Baatz Insurance Corp

6206 Constitution Dr. Fort Wayne, IN 46804

W. Robert Byers Insurance Agency

2200 Lake Ave Ste 100 Fort Wayne, IN 46895

Lupke Rice Associates

127 West Berry St #500 Fort Wayne, IN 46802

Gibson Insurance Group - Fort Wayne

200 E. Main St., Suite 820 Fort Wayne, IN 46802

Regions Ins Inc DBA Miles & Finch

217 E Tillman Fort Wayne, IN 46816

The DeHayes Group

5150 W Jefferson Blvd Fort Wayne, IN 46804

Welker & Associates

2314 Lake Avenue Fort Wayne, IN 46805

Not sure about Fort Wayne

Check out these other Indiana cities...

Indianapolis

2

$959

The average Fort Wayniac's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

153

That's equal to 153 cups of coffee or $384 in savings

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Recent Questions:

Fort Wayne Car Insurance

Do I have to have all my vehicles fully covered?

You are only required to carry comprehensive and collision coverage (full coverage) if you are leasing or financing the vehicle. If you own them or even one of them, you can decide how you want the vehicle insured.