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 Average||State Average||National Average|
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
|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
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/Gender||Average Rate|
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 Quality||Average Auto Insurance Rate|
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
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
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
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