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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Drivers in Fort Wayne, Indiana, enjoy car insurance rates well below the national average, at just $110 per month. Fort Wayne’s low cost of living and low crime rates compared to similarly sized cities contribute to its more affordable car insurance rates.[1]
Still, you can find rates below the citywide average if you know where to look. For example, Auto-Owners, State Farm, and USAA have the lowest rates in the city.
Let’s explore the cheapest insurers in Fort Wayne for various drivers and coverages. We’ll also provide helpful tips for lowering your costs and choosing the right company.
Fort Wayne drivers can find the cheapest coverage with Auto-Owners for an average monthly rate of $44.
Drivers in Fort Wayne pay an average of $78 per month for liability coverage and $142 for full coverage.
Indiana requires all drivers to maintain liability coverage with minimum limits of 25/50/25 for bodily injury and property damage, with uninsured/underinsured motorist coverage with the same limits.
You can find more affordable car insurance in Fort Wayne, regardless of the city’s average rates. Several companies offer rates below the citywide average, giving you plenty of options to save.
Get started by comparing quotes in the table below from the cheapest insurers in Fort Wayne, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $44 |
| State Farm | $47 |
| USAA | $50 |
| GEICO | $58 |
| Progressive | $60 |
| Clearcover | $61 |
| Direct Auto | $66 |
| American Family | $70 |
| CSAA | $71 |
| Root | $76 |
| The General | $80 |
| Safeco | $81 |
| Dairyland | $84 |
| Bristol West | $88 |
| Elephant | $91 |
| Travelers | $93 |
| Farmers | $97 |
| GAINSCO | $97 |
| Liberty Mutual | $101 |
| AssuranceAmerica | $108 |
| National General | $109 |
| Allstate | $111 |
| Foremost | $119 |
| Nationwide | $121 |
| State Auto | $231 |
Auto-Owners has the cheapest average rate, at $44 per month. In the sections below, you’ll find the most affordable options based on top factors, including different driver profiles and coverage needs.
The insurers we mentioned above are a great starting point for your car insurance search. Just keep in mind that personal rates vary widely based on the company you choose, as well as unique factors such as your driving record, the car you drive, and where you live. That’s why shopping around and comparing rates are crucial.
We break down how much Fort Wayne drivers pay based on coverage levels and driver type in the table below.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $44 |
| Full coverage | Auto-Owners | $70 |
| Teens | Auto-Owners | $86 |
| Seniors | Auto-Owners | $35 |
| Drivers with a speeding ticket | Auto-Owners | $55 |
| Drivers with an at-fault accident | Auto-Owners | $56 |
| Drivers with a DUI | Auto-Owners | $59 |
| Drivers with excellent credit | Auto-Owners | $37 |
| Drivers with poor credit | USAA | $60 |
The sections below go into more detail about each coverage and driver type.
Policies in Fort Wayne start as low as $44 per month.
Minimum liability insurance in Fort Wayne averages $78 per month, according to our data. State-minimum coverage is the cheapest policy you’ll find because it covers only other drivers. But most insurance experts recommend buying more coverage to better protect yourself financially after an accident.[2]
For drivers who need only minimum liability protection, we’ve highlighted the five cheapest companies in Fort Wayne in the chart below.
Though most states require minimum coverage, most drivers tend to need full-coverage insurance for adequate protection. Full coverage typically includes comprehensive and collision coverage in addition to the state’s minimum liability requirements.
Additionally, lenders want to protect their investment, so they’ll likely require you to purchase a full-coverage policy if you finance or lease your car. That said, Fort Wayne drivers can expect to pay about $142 per month for coverage.
Several insurers offer full coverage for about what you’d pay for liability insurance in Fort Wayne. Check out the cheapest insurers in Fort Wayne for full coverage, according to Compare.com data.
Teens drivers face some of the most expensive car insurance rates of any age group. Not only do they lack enough driving experience, which increases their chances of driving errors, but they also tend to get into more accidents.
Young drivers experience almost four times as many crashes as drivers 20 and older.[3] They also pay nearly double the rate these drivers pay for the same coverage, according to our data.
Teens in Fort Wayne pay an average monthly rate of $238 per month, according to our research. But if you’re a teen driver or have one on your policy, cheaper rates are within your reach. We’ve listed five insurers for you to check out in the chart below.
Getting older has its benefits. Senior drivers get some of the cheapest car insurance rates of any age group. They have many years of driving experience behind the wheel, drive more cautiously, and drive less overall, which helps reduce accident risk.[4]
On average, seniors in Fort Wayne pay $94 per month for insurance according to Compare.com data. Your rates may already be low, but you may be able to get an even better deal from several companies.
The chart below shows the five cheapest insurers in Fort Wayne for seniors, according to Compare.com data.
If a Fort Wayne officer catches you speeding down Interstate 69, expect to get a ticket, a fine, and a higher car insurance premium. Insurance companies view traffic violations as indicators of risky driving behavior. Our research shows even a single speeding ticket causes average rates to increase by 37% nationwide.
The average rate for people with a recent ticket in Fort Wayne is $140, but several insurers offer lower rates.
The chart below shows the five cheapest insurers in Fort Wayne for people with a recent ticket, according to Compare.com data.
Worse than a speeding ticket, a car crash can lead to a substantial rate increase. At-fault accidents are a sign that you’re more likely to file a claim in the future, so insurers raise your rates to account for the risk.[5]
We found that a single at-fault accident causes average rates to increase by 41% nationwide. In Fort Wayne, the average driver pays a monthly rate of $141 after an accident.
You can often find a better deal with one of the five insurers below, according to Compare.com data.
If a court convicts you of driving under the influence (DUI), insurers will see you as high-risk, and you’ll see the sharpest increase in your car insurance premiums. A DUI can even make it more difficult to find auto coverage.[6]
On average, rates increase by around 61% nationwide after a DUI conviction, according to our data. The average rate for people with a DUI conviction in Fort Wayne is $137 per month. Fortunately, some insurers specialize in high-risk drivers, so it doesn’t mean you’ll pay high premiums forever.
The chart below shows the five cheapest insurers in Fort Wayne after a DUI, according to Compare.com data.
Insurance companies can consider your credit history when calculating your rates. Companies don’t look at your credit score; instead, they use a credit-based insurance score to determine how well you pay your bills and manage debt and whether you’re likely to file future claims.[7] The better your credit, the better your rates.
In fact, our research shows drivers with poor credit pay 20% more than people with excellent credit. The average rate for people with poor credit in Fort Wayne is $138 per month, according to our data.
But some companies don’t consider your credit when setting rates, which means you can still get affordable coverage regardless of your credit history. Here are five insurers in Fort Wayne offering lower rates if you have poor credit, according to Compare.com data.
Compare personalized quotes from Fort Wayne’s top insurers.
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Indiana is no different from many U.S. states — all drivers there must have car insurance. Here’s what Indiana requires before you get behind the wheel:[8]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
The state also requires you to have uninsured and underinsured motorist coverage in the following limits, unless you decline it in writing:[9]
Uninsured motorist bodily injury (UM): $25,000 per person and $50,000 per accident
UM property damage: $25,000 per accident
Underinsured motorist bodily injury: $50,000 per accident
Many car insurance experts recommend buying coverage above Indiana’s minimum limits. If you get into an accident that leaves you or your passengers with injuries or car damage, the state’s minimum limits likely won’t be enough to cover everything.
Say you cause an accident that totals someone’s $40,000 SUV. Your $25,000 state-minimum property damage coverage would leave you paying $15,000 out of pocket. Higher coverage limits protect your savings and assets from these potential costs.
Plus, if you finance or lease your car, your lender will require comprehensive and collision coverage.
Here are answers to some commonly asked questions about car insurance in Fort Wayne.
Fort Wayne car insurance averages $110 per month, according to our data. Drivers pay $78 per month for minimum liability coverage and $142 for full coverage.
No. The average rate in Fort Wayne is $110, compared to the national average of $149, according to our data. Your car insurance cost depends on several factors, including your address, driving history, age, and more.
Auto-Owners offers the cheapest car insurance in Fort Wayne, with an average monthly rate of $44, according to Compare.com data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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