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 Average||State Average||National Average|
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/Gender||Average Rate|
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
|Credit||Average Car Insurance Rate|
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
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
|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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Fort Wayne
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
6714 Pointe Inverness Way #100 Fort Wayne, IN 46804
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