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


Fort Wayne has premiums that are relatively consistent with the state average, as they are within $32 of one another. Who doesn't like saving money? Check out some tips on how to save on auto insurance in Fort Wayne.


INSURANCE PRICES: FORT WAYNE VS. NATIONAL/STATE MEAN
City AverageState AverageNational Average
$1,101$1,133$1,427


Fort Wayne Auto Insurance by Marital Status and Gender


Quite a few driver traits, including gender and marital status, can play a part in car insurance premiums in Fort Wayne. However, premiums are barely more pricey for women than for men. Women usually pay $14 more than men every year for insurance. While being single (as opposed to married) doesn't drastically affect your premiums, it does cost you a small amount more per year. 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.


FORT WAYNE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,115
Male$1,101
Single$1,101
Married$1,095
Divorced$1,106
Widowed$1,084


Fort Wayne Auto Insurance by Credit Rating


Improving your credit can save you a good chunk of money. Those in the bottom credit tier (300-579) typically pay 86% more every year for car insurance than those in the top credit tier (800-850). The biggest benefit of better credit comes from boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $217 per year.


FORT WAYNE AUTO INSURANCE RATES BY CREDIT TIER
CreditAverage Car Insurance Rate
Very Poor$1,861
Fair$1,596
Good$1,358
Very Good$1,141
Exceptional$1,000


Fort Wayne Auto Insurance by Age

Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest insurance payments among any age group, with rates of $955 per year. However, people in their 60s ($974) also have relatively low premiums. With car insurance payments of $3,775 on average, teenage drivers have the largest premiums of any age group. The greatest decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Fort Wayne start saving 60% annually. Insurance rates for drivers continue to drop through their 50s, but they can expect an increase when they hit 60.


FORT WAYNE CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Rate
Teenagers$3,775
20s$1,523
30s$1,085
40s$1,027
50s$955
60s$974
70s$1,160


Fort Wayne Car Insurance for Drivers With At-Fault Accidents or Violations


Maintaining an untainted driving history is key to keep the expense of rates low. A DUI will increase your car insurance premiums more than other driving violations. $583 is the extra cost per year for drivers with a DUI in Fort Wayne, compared to the city average of $1,101. Reckless driving will drive your premiums up as well, with average rates of $1,607. That is 46% higher than the city average. Insurance rates are impacted by at-fault accident history, and more specifically, by the extent of the damage that was done in the accidents. When comparing rates for drivers with at-fault accidents in Fort Wayne, those with damages exceeding $2,000 pay $45 more than those with damages less than $1,000.


AVERAGE FORT WAYNE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI$1,684
Reckless Driving$1,607
At-fault Accident (damages less than $1,000)$1,576
At-fault Accident (damages greater than $2,000)$1,621
Speeding Ticket (16-20 mph over speed limit)$1,338


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

Imel Insurance Agency

2700 Lower Huntington Road Fort Wayne, IN 46809

Gibson Insurance Group - Fort Wayne

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

The DeHayes Group

5150 W Jefferson Blvd Fort Wayne, IN 46804

USI Insurance Services

1721 Magnavox Way Fort Wayne, IN 46804

Regions Ins Inc DBA Miles & Finch

217 E Tillman Fort Wayne, IN 46816

Shuttleworth Financial Services, Inc.

5011 Covington Rd Fort Wayne, IN 46804

Baatz Insurance Corp

6206 Constitution Dr. Fort Wayne, IN 46804

Welker & Associates

2314 Lake Avenue Fort Wayne, IN 46805

GA MacDonald Associates, Inc.

2200 Lake Ave Ste 120 Fort Wayne, IN 46805

Summit City Insurance Counselors

6206-B Constitution Dr Fort Wayne, IN 46804

Gregory Associates, Inc

4011 W Jefferson Blvd 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

Hylant Group

6714 Pointe Inverness Way #100 Fort Wayne, IN 46804

See All

Not sure about Fort Wayne

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Indianapolis

2

$959

The average Fort Wayniac's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

153

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

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Recent Questions:

Fort Wayne Car Insurance

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Sep 03, 2018

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