Compare Rates and Save On Auto Insurance

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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.

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2023

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.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$259

$22

Auto-Owners Insurance Co

$268

$22

State Farm

$280

$23

State Farm

$298

$25

Westfield

$303

$25

Auto-Owners Insurance Co

$329

$27

American Family

$331

$28

Westfield

$333

$28

GEICO

$337

$28

Grange Insurance

$337

$28

Progressive

$338

$28

American Family

$338

$28

Grange Insurance

$342

$29

Indiana Farm Bureau

$343

$29

American Family

$350

$29

GEICO

$355

$30

Progressive

$355

$30

Westfield

$356

$30

State Farm

$362

$30

Indiana Farm Bureau

$374

$31

Grange Insurance

$377

$31

GEICO

$384

$32

Progressive

$387

$32

Travelers

$411

$34

Farmers

$417

$35

Farmers

$432

$36

Indiana Farm Bureau

$433

$36

Travelers

$437

$36

Travelers

$463

$39

Nationwide

$485

$40

Nationwide

$492

$41

Farmers

$512

$43

American Family

$561

$47

American Family

$572

$48

Auto-Owners Insurance Co

$603

$50

Nationwide

$608

$51

GEICO

$615

$51

American Family

$616

$51

Auto-Owners Insurance Co

$621

$52

State Farm

$625

$52

GEICO

$668

$56

State Farm

$679

$57

Allstate

$690

$57

Westfield

$701

$58

Allstate

$706

$59

Grange Insurance

$707

$59

Westfield

$711

$59

Nationwide

$720

$60

Farmers

$732

$61

Progressive

$764

$64

GEICO

$767

$64

Farmers

$770

$64

Grange Insurance

$772

$64

Nationwide

$775

$65

Progressive

$775

$65

Indiana Farm Bureau

$778

$65

Allstate

$784

$65

Travelers

$813

$68

Travelers

$817

$68

Auto-Owners Insurance Co

$849

$71

Grange Insurance

$857

$71

Indiana Farm Bureau

$866

$72

State Farm

$878

$73

Farmers

$934

$78

Westfield

$949

$79

Progressive

$959

$80

Travelers

$963

$80

Allstate

$973

$81

Nationwide

$978

$82

Indiana Farm Bureau

$981

$82

Allstate

$1,025

$85

Allstate

$1,222

$102

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.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$259

$22

Auto-Owners Insurance Co

$268

$22

State Farm

$280

$23

State Farm

$298

$25

Westfield

$303

$25

Auto-Owners Insurance Co

$329

$27

American Family

$331

$28

Westfield

$333

$28

GEICO

$337

$28

Grange Insurance

$337

$28

Progressive

$338

$28

American Family

$338

$28

Grange Insurance

$342

$29

Indiana Farm Bureau

$343

$29

American Family

$350

$29

GEICO

$355

$30

Progressive

$355

$30

Westfield

$356

$30

State Farm

$362

$30

Indiana Farm Bureau

$374

$31

Grange Insurance

$377

$31

GEICO

$384

$32

Progressive

$387

$32

Travelers

$411

$34

Farmers

$417

$35

Farmers

$432

$36

Indiana Farm Bureau

$433

$36

Travelers

$437

$36

Travelers

$463

$39

Nationwide

$485

$40

Nationwide

$492

$41

Farmers

$512

$43

American Family

$561

$47

American Family

$572

$48

Auto-Owners Insurance Co

$603

$50

Nationwide

$608

$51

GEICO

$615

$51

American Family

$616

$51

Auto-Owners Insurance Co

$621

$52

State Farm

$625

$52

GEICO

$668

$56

State Farm

$679

$57

Allstate

$690

$57

Westfield

$701

$58

Allstate

$706

$59

Grange Insurance

$707

$59

Westfield

$711

$59

Nationwide

$720

$60

Farmers

$732

$61

Progressive

$764

$64

GEICO

$767

$64

Farmers

$770

$64

Grange Insurance

$772

$64

Nationwide

$775

$65

Progressive

$775

$65

Indiana Farm Bureau

$778

$65

Allstate

$784

$65

Travelers

$813

$68

Travelers

$817

$68

Auto-Owners Insurance Co

$849

$71

Grange Insurance

$857

$71

Indiana Farm Bureau

$866

$72

State Farm

$878

$73

Farmers

$934

$78

Westfield

$949

$79

Progressive

$959

$80

Travelers

$963

$80

Allstate

$973

$81

Nationwide

$978

$82

Indiana Farm Bureau

$981

$82

Allstate

$1,025

$85

Allstate

$1,222

$102

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.

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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.

Company
Annual Premium
Monthly Premium

State Farm

$308

$26

State Farm

$327

$27

Auto-Owners Insurance Co

$329

$27

Auto-Owners Insurance Co

$339

$28

Auto-Owners Insurance Co

$350

$29

Auto-Owners Insurance Co

$362

$30

Westfield

$364

$30

State Farm

$364

$30

Progressive

$383

$32

State Farm

$387

$32

State Farm

$399

$33

Westfield

$400

$33

State Farm

$405

$34

Auto-Owners Insurance Co

$418

$35

American Family

$420

$35

American Family

$420

$35

Progressive

$420

$35

Westfield

$427

$36

American Family

$429

$36

Indiana Farm Bureau

$429

$36

State Farm

$431

$36

American Family

$434

$36

American Family

$434

$36

American Family

$438

$37

American Family

$438

$37

Progressive

$443

$37

American Family

$443

$37

Auto-Owners Insurance Co

$446

$37

American Family

$447

$37

Progressive

$448

$37

Grange Insurance

$459

$38

Indiana Farm Bureau

$466

$39

Grange Insurance

$471

$39

State Farm

$471

$39

GEICO

$484

$40

GEICO

$484

$40

Progressive

$493

$41

Grange Insurance

$503

$42

Grange Insurance

$512

$43

Progressive

$521

$43

State Farm

$525

$44

Grange Insurance

$541

$45

Indiana Farm Bureau

$542

$45

Indiana Farm Bureau

$542

$45

Travelers

$546

$45

Farmers

$550

$46

GEICO

$557

$46

Grange Insurance

$562

$47

Travelers

$574

$48

Nationwide

$575

$48

Travelers

$578

$48

Grange Insurance

$581

$48

Nationwide

$586

$49

Indiana Farm Bureau

$590

$49

Farmers

$592

$49

Grange Insurance

$594

$50

Travelers

$608

$51

Progressive

$609

$51

Farmers

$611

$51

Travelers

$627

$52

Travelers

$643

$54

Indiana Farm Bureau

$643

$54

Farmers

$644

$54

GEICO

$647

$54

Grange Insurance

$653

$54

Farmers

$660

$55

Travelers

$666

$55

Farmers

$671

$56

GEICO

$672

$56

Travelers

$674

$56

Progressive

$681

$57

State Farm

$682

$57

Indiana Farm Bureau

$684

$57

Farmers

$687

$57

Nationwide

$689

$57

Nationwide

$698

$58

Indiana Farm Bureau

$700

$58

Progressive

$712

$59

Nationwide

$712

$59

American Family

$723

$60

American Family

$723

$60

American Family

$732

$61

American Family

$732

$61

Farmers

$737

$61

Travelers

$739

$62

State Farm

$740

$62

GEICO

$750

$63

Auto-Owners Insurance Co

$750

$63

American Family

$759

$63

American Family

$765

$64

Auto-Owners Insurance Co

$771

$64

Farmers

$775

$65

American Family

$783

$65

American Family

$783

$65

Auto-Owners Insurance Co

$788

$66

Auto-Owners Insurance Co

$789

$66

State Farm

$797

$66

Auto-Owners Insurance Co

$810

$67

Indiana Farm Bureau

$811

$68

Auto-Owners Insurance Co

$813

$68

Nationwide

$815

$68

Westfield

$816

$68

Allstate

$817

$68

American Family

$822

$68

Nationwide

$824

$69

Allstate

$830

$69

GEICO

$833

$69

Allstate

$841

$70

Westfield

$841

$70

Westfield

$846

$71

Westfield

$853

$71

Allstate

$854

$71

Nationwide

$858

$71

State Farm

$863

$72

Westfield

$869

$72

GEICO

$871

$73

State Farm

$888

$74

GEICO

$892

$74

Nationwide

$901

$75

GEICO

$932

$78

Allstate

$947

$79

Indiana Farm Bureau

$950

$79

State Farm

$958

$80

Allstate

$960

$80

State Farm

$962

$80

Progressive

$963

$80

Allstate

$964

$80

GEICO

$965

$80

Nationwide

$968

$81

Nationwide

$983

$82

Allstate

$992

$83

Progressive

$994

$83

Westfield

$1,001

$83

Auto-Owners Insurance Co

$1,003

$84

Westfield

$1,032

$86

Grange Insurance

$1,034

$86

Farmers

$1,035

$86

Farmers

$1,048

$87

Westfield

$1,054

$88

Auto-Owners Insurance Co

$1,055

$88

Grange Insurance

$1,058

$88

Indiana Farm Bureau

$1,059

$88

Grange Insurance

$1,062

$88

Grange Insurance

$1,068

$89

Auto-Owners Insurance Co

$1,106

$92

GEICO

$1,116

$93

State Farm

$1,119

$93

Nationwide

$1,121

$93

Travelers

$1,129

$94

Allstate

$1,135

$95

Farmers

$1,136

$95

Westfield

$1,138

$95

Grange Insurance

$1,153

$96

Farmers

$1,161

$97

Progressive

$1,175

$98

Travelers

$1,182

$99

Nationwide

$1,188

$99

Progressive

$1,192

$99

Indiana Farm Bureau

$1,193

$99

Nationwide

$1,199

$100

Indiana Farm Bureau

$1,200

$100

Farmers

$1,200

$100

Allstate

$1,207

$101

Travelers

$1,210

$101

Progressive

$1,216

$101

Allstate

$1,223

$102

Travelers

$1,233

$103

Grange Insurance

$1,244

$104

State Farm

$1,247

$104

Farmers

$1,259

$105

Travelers

$1,271

$106

Allstate

$1,275

$106

Farmers

$1,277

$106

Grange Insurance

$1,282

$107

GEICO

$1,283

$107

Travelers

$1,291

$108

Allstate

$1,292

$108

GEICO

$1,300

$108

Farmers

$1,304

$109

Travelers

$1,311

$109

Indiana Farm Bureau

$1,328

$111

Grange Insurance

$1,358

$113

Nationwide

$1,375

$115

Travelers

$1,409

$117

Indiana Farm Bureau

$1,426

$119

Travelers

$1,429

$119

Farmers

$1,439

$120

Progressive

$1,440

$120

Allstate

$1,448

$121

Nationwide

$1,453

$121

Nationwide

$1,475

$123

GEICO

$1,501

$125

Indiana Farm Bureau

$1,506

$126

Grange Insurance

$1,511

$126

Allstate

$1,533

$128

Allstate

$1,551

$129

Progressive

$1,561

$130

Allstate

$1,572

$131

Indiana Farm Bureau

$1,589

$132

GEICO

$1,606

$134

Westfield

$1,635

$136

Progressive

$1,641

$137

Westfield

$1,644

$137

GEICO

$1,649

$137

Auto-Owners Insurance Co

$1,690

$141

Auto-Owners Insurance Co

$1,710

$142

Nationwide

$1,729

$144

GEICO

$1,742

$145

Indiana Farm Bureau

$1,800

$150

Westfield

$1,882

$157

Allstate

$1,884

$157

Progressive

$1,906

$159

Westfield

$1,972

$164

Westfield

$1,982

$165

Westfield

$2,219

$185

Auto-Owners Insurance Co

$2,352

$196

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$831

$1,543

GEICO

$839

$1,765

GEICO

$847

$1,641

GEICO

$870

$1,687

GEICO

$873

$1,838

Nationwide

$892

$1,532

Travelers

$904

$1,619

GEICO

$910

$2,663

Nationwide

$914

$1,647

GEICO

$930

$1,956

GEICO

$938

$1,818

Travelers

$939

$1,745

Travelers

$946

$1,936

GEICO

$948

$2,417

GEICO

$954

$2,694

Travelers

$972

$1,804

GEICO

$979

$2,444

Nationwide

$980

$2,143

State Farm

$997

$1,726

Nationwide

$1,019

$2,356

Nationwide

$1,021

$1,754

Nationwide

$1,038

$1,999

Travelers

$1,040

$1,863

Nationwide

$1,064

$1,916

Travelers

$1,069

$2,114

Farmers

$1,075

$1,573

Travelers

$1,075

$2,221

Nationwide

$1,077

$1,850

Nationwide

$1,079

$2,192

Auto-Owners Insurance Co

$1,085

$2,621

Auto-Owners Insurance Co

$1,101

$2,630

GEICO

$1,103

$3,648

Travelers

$1,118

$2,004

Nationwide

$1,123

$2,022

State Farm

$1,125

$1,947

Farmers

$1,130

$1,706

GEICO

$1,154

$3,378

Auto-Owners Insurance Co

$1,158

$2,799

State Farm

$1,165

$1,980

GEICO

$1,175

$3,796

State Farm

$1,185

$2,391

Auto-Owners Insurance Co

$1,197

$2,859

Auto-Owners Insurance Co

$1,207

$3,254

Farmers

$1,209

$2,465

GEICO

$1,210

$5,528

GEICO

$1,228

$3,469

Progressive

$1,232

$1,809

Progressive

$1,237

$1,804

State Farm

$1,237

$2,141

Auto-Owners Insurance Co

$1,240

$2,997

Travelers

$1,259

$2,488

Travelers

$1,259

$2,479

State Farm

$1,260

$2,604

Travelers

$1,264

$2,892

Auto-Owners Insurance Co

$1,273

$3,528

GEICO

$1,289

$5,523

Allstate

$1,290

$2,233

Allstate

$1,290

$2,233

Farmers

$1,293

$2,749

Auto-Owners Insurance Co

$1,294

$3,991

Auto-Owners Insurance Co

$1,317

$3,144

State Farm

$1,330

$2,260

Allstate

$1,341

$1,877

Allstate

$1,341

$1,877

Auto-Owners Insurance Co

$1,344

$3,508

Allstate

$1,358

$1,901

Allstate

$1,358

$1,901

Nationwide

$1,362

$3,616

Nationwide

$1,371

$4,258

Allstate

$1,372

$4,291

Allstate

$1,372

$4,291

Progressive

$1,382

$2,753

GEICO

$1,388

$6,339

Allstate

$1,392

$2,057

Allstate

$1,392

$2,057

Allstate

$1,401

$1,962

Allstate

$1,401

$1,962

Farmers

$1,404

$2,337

Progressive

$1,407

$2,065

State Farm

$1,409

$2,844

Travelers

$1,445

$3,621

Nationwide

$1,451

$3,172

Farmers

$1,452

$2,125

State Farm

$1,457

$3,010

State Farm

$1,457

$3,417

Auto-Owners Insurance Co

$1,468

$3,833

Nationwide

$1,469

$4,270

State Farm

$1,469

$2,498

Farmers

$1,473

$3,433

Farmers

$1,474

$5,682

Progressive

$1,476

$2,547

GEICO

$1,479

$6,339

Auto-Owners Insurance Co

$1,482

$4,262

Allstate

$1,488

$2,896

Allstate

$1,488

$2,896

Farmers

$1,489

$2,178

Farmers

$1,495

$2,614

Progressive

$1,495

$2,180

Travelers

$1,499

$2,952

Allstate

$1,501

$2,597

Allstate

$1,501

$2,597

Nationwide

$1,502

$4,965

Auto-Owners Insurance Co

$1,507

$4,649

Travelers

$1,512

$3,502

Auto-Owners Insurance Co

$1,516

$5,389

Progressive

$1,527

$2,242

Farmers

$1,528

$3,116

Farmers

$1,532

$2,311

Nationwide

$1,537

$5,132

Farmers

$1,541

$3,696

Progressive

$1,542

$3,074

Nationwide

$1,543

$3,568

Progressive

$1,559

$2,709

Farmers

$1,560

$6,166

State Farm

$1,564

$3,177

Progressive

$1,573

$3,133

Progressive

$1,577

$3,540

Farmers

$1,584

$2,391

Nationwide

$1,586

$4,925

Farmers

$1,594

$3,389

GEICO

$1,634

$10,525

Progressive

$1,647

$2,402

Progressive

$1,653

$4,947

State Farm

$1,681

$3,935

Nationwide

$1,686

$5,999

Farmers

$1,725

$6,651

Nationwide

$1,741

$5,753

Travelers

$1,783

$4,456

Travelers

$1,789

$4,484

GEICO

$1,790

$11,149

Progressive

$1,817

$4,103

Farmers

$1,834

$7,251

State Farm

$1,847

$4,318

State Farm

$1,850

$3,759

Progressive

$1,852

$5,543

Progressive

$1,852

$3,692

Progressive

$1,856

$5,620

Allstate

$1,864

$5,831

Allstate

$1,864

$5,831

Travelers

$1,871

$5,966

Farmers

$1,872

$9,315

Progressive

$1,877

$6,367

Allstate

$1,903

$7,734

Allstate

$1,903

$7,734

State Farm

$1,932

$4,523

State Farm

$1,940

$5,163

Farmers

$1,989

$10,173

Progressive

$2,029

$6,145

Progressive

$2,070

$7,041

State Farm

$2,152

$4,948

Travelers

$2,252

$5,627

Auto-Owners Insurance Co

$2,261

$4,799

Auto-Owners Insurance Co

$2,284

$6,344

Travelers

$2,369

$7,676

State Farm

$2,464

$5,665

Auto-Owners Insurance Co

$2,471

$5,245

State Farm

$2,477

$6,467

Auto-Owners Insurance Co

$2,568

$7,132

Auto-Owners Insurance Co

$2,747

$7,449

Auto-Owners Insurance Co

$2,866

$10,403

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.

Company
Annual Premium
Monthly Premium

USAA

$212

$18

USAA

$222

$19

Auto-Owners Insurance Co

$259

$22

USAA

$262

$22

Auto-Owners Insurance Co

$268

$22

State Farm

$280

$23

State Farm

$298

$25

Westfield

$303

$25

Auto-Owners Insurance Co

$329

$27

American Family

$331

$28

Westfield

$333

$28

GEICO

$337

$28

Grange Insurance

$337

$28

Progressive

$338

$28

American Family

$338

$28

Grange Insurance

$342

$29

Indiana Farm Bureau

$343

$29

American Family

$350

$29

GEICO

$355

$30

Progressive

$355

$30

Westfield

$356

$30

State Farm

$362

$30

Indiana Farm Bureau

$374

$31

Grange Insurance

$377

$31

GEICO

$384

$32

Progressive

$387

$32

Travelers

$411

$34

Farmers

$417

$35

Farmers

$432

$36

Indiana Farm Bureau

$433

$36

Travelers

$437

$36

USAA

$458

$38

USAA

$462

$39

Travelers

$463

$39

Nationwide

$485

$40

Nationwide

$492

$41

Farmers

$512

$43

American Family

$561

$47

American Family

$572

$48

USAA

$583

$49

Auto-Owners Insurance Co

$603

$50

Nationwide

$608

$51

GEICO

$615

$51

American Family

$616

$51

Auto-Owners Insurance Co

$621

$52

State Farm

$625

$52

GEICO

$668

$56

State Farm

$679

$57

Allstate

$690

$57

Westfield

$701

$58

Allstate

$706

$59

Grange Insurance

$707

$59

Westfield

$711

$59

Nationwide

$720

$60

Farmers

$732

$61

Progressive

$764

$64

GEICO

$767

$64

Farmers

$770

$64

Grange Insurance

$772

$64

Nationwide

$775

$65

Progressive

$775

$65

Indiana Farm Bureau

$778

$65

Allstate

$784

$65

Travelers

$813

$68

Travelers

$817

$68

Auto-Owners Insurance Co

$849

$71

Grange Insurance

$857

$71

Indiana Farm Bureau

$866

$72

State Farm

$878

$73

Farmers

$934

$78

Westfield

$949

$79

Progressive

$959

$80

Travelers

$963

$80

Allstate

$973

$81

Nationwide

$978

$82

Indiana Farm Bureau

$981

$82

Allstate

$1,025

$85

Allstate

$1,222

$102

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.

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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?

American Family

pros

Offers the cheapest premiums at $572 per year

Solid reputation for customer service

Offers OEM coverage

cons

Lackluster claims management

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's American Family Auto Insurance Review

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?

Westfield

pros

Stellar customer service

Efficient claims management

Has gap insurance as an add-on

cons

Doesn’t offer OEM coverage

COMPANY HIGHLIGHTS

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?

Auto-Owners Insurance

pros

Affordable minimum coverage policy costs $259 per year

Offers discounts for bundling, airbag and early sign-ups

Strong customer service reputation

cons

Mediocre claims management

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.