Your car insurance costs may change based on your driving history, age, coverage requirements and other factors.
In Fort Wayne, Auto-Owners Insurance offers the most affordable minimum coverage policies. But if you’re looking for full coverage insurance or you have driving violations, American Family is the cheapest provider.
Meanwhile, Nationwide offers the lowest rates for teens, and USAA has the cheapest premiums for military-affiliated drivers.
Cheapest and Best Car Insurance in Fort Wayne, IN
Cheapest Minimum Liability Car Insurance in Fort Wayne
MoneyGeek’s study found the cheapest minimum coverage auto insurance in Fort Wayne comes from:
- Auto-Owners Insurance: $259 per year
- State Farm: $298 per year
Meanwhile, Allstate is the most expensive provider, with an average yearly cost of $706 for its minimum coverage policies.
Auto-Owners Insurance also offers the cheapest car insurance rates in Indiana, costing $226 per year as of October 2022. Its statewide average rate is cheaper, highlighting the importance of location when determining auto insurance prices.
The minimum coverage requirements for liability insurance in Indiana are set by state law. They cover bodily injury and property damage and have the following required limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Liability insurance pays for damages to the other driver (and their passengers) in an accident you cause.
For example, suppose you have $25,000 per person for bodily injury liability and $50,000 per accident. In that case, your insurance company will pay for medical expenses for each person up to $25,000. It maxes out at $50,000 per accident; anything beyond more is out of pocket.
Cheapest Full Coverage Car Insurance in Fort Wayne
The most affordable options for full coverage car insurance in Fort Wayne are:
- American Family: $572 per year
- Auto-Owners Insurance: $621 per year
On the other hand, Allstate has the highest premium for full coverage at $1,025 annually.
American Family also offers the cheapest full coverage auto insurance in Indiana, with an average rate of $555 per year as of October 2022. Its Fort Wayne prices are $17 higher than average, showing how location impacts car insurance prices.
A comprehensive coverage policy offers broader protections. It enhances the limitations of liability-only insurance and includes comprehensive and collision coverage.
- Collision Coverage: This type of insurance covers damages to your vehicle resulting from an accident, like a collision with another car or object.
- Comprehensive Coverage: This insurance covers damages to your vehicle from non-collision events, such as theft or weather damage.
If you own a newer car, getting full coverage insurance could help protect your investment. However, if you have an older vehicle, the extra cost of full coverage may not be worth the benefits.
Compare minimum and full coverage policies.
Find a match
Get matched with an insurer in Fort Wayne.
Save hundreds of dollars per year.
Cheapest Car Insurance in Fort Wayne After a Driving Offense
According to MoneyGeek's research, these companies offer the cheapest auto insurance in Fort Wayne after a driving violation:
- Speeding Ticket: American Family ($732 per year)
- At-Fault Accident: American Family ($765 per year)
- DUI: American Family ($732 per year)
On the other hand, these companies have the highest insurance premiums for drivers with a bad driving record:
Speeding Ticket: Allstate ($1,275 per year) At-Fault Accident: Westfield ($1,644 per year) DUI: Westfield ($1,982 per year)
Even if you buy car insurance from a cheap provider in Fort Wayne, a driving violation can raise your insurance costs significantly.
Driving violations can result in increased car insurance rates, with the magnitude of the increase depending on the severity of the violation. In Fort Wayne, having a DUI typically leads to higher premiums than speeding tickets, with an average increase of around $345. However, you can still find cheap car insurance after a bad driving record by shopping around.
Cheapest Car Insurance in Fort Wayne for Teens and Their Families
The most affordable car insurance providers for teen drivers on family policies in Fort Wayne are:
- Nationwide: $1,537 per year for female teens; $1,686 per year for male teens
- GEICO: $1,634 per year for female teens; $1,790 per year for male teens
Auto-Owners Insurance has the highest rates for teen drivers, charging an average of $2,747 per year for female teens and $2,866 per year for male teens.
Insurance companies usually consider male teens riskier, resulting in higher premiums. However, this difference tends to decrease as they reach early adulthood.
Regarding car insurance for a teen driver, a separate policy can be more expensive than adding them to a family policy. For example, a male teen in Fort Wayne potentially pays $2,312 more for an individual policy annually.
Shopping around for cheap auto insurance for teens can also result in significant annual savings.
Cheapest Car Insurance in Fort Wayne for Military Drivers
For veterans, active military personnel and their families, the cheapest full coverage auto insurance providers in Fort Wayne are:
- USAA: $462 per year
- American Family: $572 per year
If you’re looking for minimum coverage, USAA offers the cheapest car insurance option for military-affiliated drivers at around $212 per year. Auto-Owners Insurance is the second most affordable option at roughly $259 per year.
How to Compare Cheap Fort Wayne Car Insurance Quotes Online
Securing car insurance quotes online can be cumbersome, often requiring you to input extensive personal information. On average, it can take 15 minutes to receive a quote from a single provider.
You can save yourself from the hassle with MoneyGeek's car insurance calculator. Our tool generates estimates based on key factors such as your age, vehicle type, driving history and desired coverage level, saving you time and effort when compared to obtaining quotes from multiple insurance companies individually.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
Click the section of the wheel in your price range to see options.
Click an insurer below to visit their review page or continue to your personalized quote.
Best Car Insurance in Fort Wayne: Summary
When searching for the best car insurance, several factors such as service quality, affordability and coverage options will affect your decision. To help you in your search, MoneyGeek ranked the top car insurance companies in Fort Wayne and found the following results:
- Best overall: American Family (MoneyGeek score 80 out of 100)
- Best for service: Westfield (MoneyGeek score 68 out of 100)
- Best cheap: Auto-Owners Insurance (MoneyGeek score 84 out of 100)
A company's MoneyGeek score may vary based on the weightings given to different categories.
Additionally, American Family stands out as the best car insurance provider in Indiana.
If you have a military background, USAA is the best car insurance provider for you, with a MoneyGeek score of 85 out of 100.
Best Overall Car Insurance in Fort Wayne
According to MoneyGeek's research, you'll find the best car insurance in Fort Wayne from these providers:
- American Family: MoneyGeek score 80 out of 100 ($572 per year)
- Auto-Owners Insurance: MoneyGeek score 78 out of 100 ($621 per year)
American Family was selected as the best overall option due to its affordable rates and outstanding customer service. This shows American Family provides top-notch service without sacrificing its affordability.
For those with military affiliation, USAA is MoneyGeek's top choice. It received a MoneyGeek score of 85 out of 100 and offers the lowest annual premiums for military-affiliated drivers at approximately $462.
How was this MoneyGeek score calculated?
Offers the cheapest premiums at $572 per year
Solid reputation for customer service
Offers OEM coverage
Lackluster claims management
American Family is MoneyGeek’s pick as the overall best car insurance provider in Fort Wayne. This company stands out with its cheap rates and top-notch customer service.
With American Family, you can find both common and rare add-on coverages to improve the protection you receive.
For example, you can add original equipment manufacturer (OEM) coverage to your policy. This optional rider guarantees that only original parts (and not aftermarket parts) will be used during repairs to your vehicle. This is useful in ensuring the functionality and design of your vehicle.
American Family also offers a rarely-seen auto death indemnity coverage as an add-on. This endorsement provides financial assistance in the case of death or injuries resulting from a vehicle collision, regardless of the accident's liable party. Notably, this add-on is not usually found from auto insurers.
Additionally, you can buy accident forgiveness coverage, which prevents you from experiencing a premium surcharge following an accident.
Best Car Insurance in Fort Wayne for Customer Service
These car insurance providers in Fort Wayne stand out as the best when it comes to customer service alone and disregarding premium prices:
- Westfield: MoneyGeek score 68 out of 100 ($711 per year)
- Auto-Owners Insurance: MoneyGeek score 66 out of 100 ($621 per year)
Westfield stands out for its exceptional customer service and effective claims management, making it the ideal choice for drivers who value customer service highly.
While Westfield provides top-notch service compared to the other 11 insurance providers in the city, it also has a relatively affordable price. This means you’ll get more for your money by getting insurance from this provider.
How was this MoneyGeek score calculated?
Stellar customer service
Efficient claims management
Has gap insurance as an add-on
Doesn’t offer OEM coverage
If excellent customer service is of utmost importance to you, MoneyGeek recommends Westfield. With outstanding customer service and efficient claims management, this provider ensures seamless client experiences.
Additionally, Westfield offers useful add-on coverages to improve your policy's protections. For example, it has roadside assistance coverage, an option providing 24/7 help for emergencies on the road. This is useful if you frequently need help when driving.
Westfield also offers gap insurance. This option helps cover the difference between your car’s value and the outstanding loan or lease amount if your vehicle is deemed a total loss due to a covered incident.
Best Cheap Car Insurance Companies in Fort Wayne
According to our evaluation of affordability and service quality for car insurance policies meeting Indiana’s minimum coverage standards, the top companies in Fort Wayne are:
- Auto-Owners Insurance: MoneyGeek score 84 out of 100 ($259 per year)
- Westfield: MoneyGeek score 80 out of 100 ($303 per year)
Minimum coverage policies offer lower premiums and can help you save money in the short term. However, these policies have limited liability protection and no coverage for damage to your vehicle.
How was this MoneyGeek score calculated?
Affordable minimum coverage policy costs $259 per year
Offers discounts for bundling, airbag and early sign-ups
Strong customer service reputation
Mediocre claims management
If you're in the market for a cheap minimum coverage car insurance policy in Fort Wayne, Auto-Owners Insurance is our top recommendation. It offers a good balance of affordable rates, excellent customer service and discount opportunities to further reduce costs.
These discounts include standard options such as discounts for good students, bundling with other policies, installing airbags and an anti-theft system and enrolling in paperless billing.
Additionally, Auto-Owners Insurance offers unique discounts you won’t find from most providers. For example, you may be eligible for a discount if you equip your car with an anti-lock brake. Requesting a quote before the start of your policy can also result in savings. Likewise, you can get a discount for paying your premiums on time for over 36 months.
Average Cost of Car Insurance in Fort Wayne
MoneyGeek’s research shows the average cost of full coverage auto insurance in Fort Wayne is $754 per year. This quote is for a policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
On average, car insurance in Fort Wayne is $24 cheaper than the cost of car insurance in Indiana as of October 2022. It’s also $511 less expensive compared to the national average. This shows how location can impact your car insurance rates.
About Mark Fitzpatrick