What drives up car insurance rates in Fort Wayne?
Car Insurance in Fort Wayne
With premiums within $32 of the state average, Fort Wayne has rates that are fairly similar to Indiana. Let’s take a look at how to save on car insurance in Fort Wayne.
- City Average: $1,101
- State Average: $1,133
- National Average: $1,427
Fort Wayne Car Insurance by Age
At $955, drivers in their 50s have the lowest car insurance payments among any age group. Those in their 60s ($974) aren’t paying significantly more. With car insurance payments of $3,775 on average, teenage drivers have the most expensive rates of any age group. In Fort Wayne, when drivers reach their 20s, therefore moving out of the teenage age bracket, they reduce their premiums by 60%. It is the largest difference between any age group. While premiums for drivers in Fort Wayne will continue to shrink through their 50s, they should expect to pay more when they hit 60.
- Teenagers: $3,775
- 20s: $1,523
- 30s: $1,085
- 40s: $1,027
- 50s: $955
- 60s: $974
- 70s: $1,160
Fort Wayne Car Insurance by Credit Rating
For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly double. In terms of percent change, shifting from Good (670-739) to Very Good (740-799) has the largest favorable impact on premiums, as it saves drivers approximately 16% per year.
- Very Poor: $1,861
- Fair: $1,596
- Good: $1,358
- Very Good: $1,141
- Exceptional: $1,000
Fort Wayne Car Insurance by Accident or Violation History
Accidents and violations on your driving record can cost you in terms of premiums. A DUI will increase your car insurance premiums more than other driving violations. In general, a DUI in Fort Wayne will cost you 53% more in car insurance premiums versus the city average of $1,101. Reckless driving will also push your premiums up, with average rates of $1,607. That is 46% higher than the city average. The severity of an accident affects insurance rates. Being at-fault in an accident with damages exceeding $2,000 costs you another $45 per year in premiums compared to an accident with damages less than $1,000.
- DUI: $1,684
- Reckless Driving: $1,607
- At-fault Accident (damages less than $1000): $1,576
- At-fault Accident (damages greater than $2000): $1,621
- Speeding Ticket (16-20 mph over speed limit): $1,338
Fort Wayne Car Insurance by Gender and Marital Status
In Fort Wayne, both marital status and gender influence your car insurance premiums. Premiums for men tend to be a mere 1% cheaper than for women. 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. While being single (as opposed to married) doesn't significantly change your premiums, it does cost you a small amount more per year.
- Female: $1,115
- Male: $1,101
- Single: $1,101
- Married: $1,095
- Divorced: $1,106
- Widowed: $1,084
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Fort Wayne
Find Local Fort Wayne Agents
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
Welker & Associates
2314 Lake Avenue Fort Wayne, IN 46805
The DeHayes Group
5150 W Jefferson Blvd Fort Wayne, IN 46804
Baatz Insurance Corp
6206 Constitution Dr. Fort Wayne, IN 46804
Gibson Insurance Group - Fort Wayne
200 E. Main St., Suite 820 Fort Wayne, IN 46802
6714 Pointe Inverness Way #100 Fort Wayne, IN 46804
Imel Insurance Agency
2700 Lower Huntington Road Fort Wayne, IN 46809
Gregory Associates, Inc
4011 W Jefferson Blvd 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
W. Robert Byers Insurance Agency
2200 Lake Ave Ste 100 Fort Wayne, IN 46895
Shuttleworth Financial Services, Inc.
5011 Covington Rd Fort Wayne, IN 46804
Summit City Insurance Counselors
6206-B Constitution Dr Fort Wayne, IN 46804
USI Insurance Services
1721 Magnavox Way Fort Wayne, IN 46804
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Fort Wayne Car Insurance
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