Cheapest car insurance companies in Fort Wayne 

Geico and Auto-Owners have the cheapest car insurance premiums for Fort Wayne drivers in 2023, based on a data study by 

In Fort Wayne, Geico provides the cheapest auto insurance rates to drivers at an average annual premium of $955 annually

When it comes to car insurance costs in Fort Wayne, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy. 

CompaniesAverage annual rates
Indiana Farmers$1,490
State Farm$1,627
Indiana Farm Bureau Grp$2,093
Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Fort Wayne by Age Group 

In Fort Wayne, USAA is the cheapest car insurance company for teenagers, offering full coverage policies at $2,172 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible. 

USAA provides the cheapest car insurance coverage for young drivers in Fort Wayne, with an annual premium of $1,188 on average.

An analysis of car insurance rates for Fort Wayne drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. USAA offers the cheapest full-coverage car insurance rates at $793 per year.

USAA tops the list in terms of affordability for senior drivers in Fort Wayne. With an average annual premium of $845, USAA offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.

CompanyTeensYoung AdultsAdultsSeniors
Indiana Farmers$3,000$2,249$1,521$1,584
State Farm$5,013$2,827$1,642$1,590
Indiana Farm Bureau Grp$6,135$3,678$1,980$1,936
Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Fort Wayne by driver profile 

Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Fort Wayne. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.

When it comes to finding the cheapest car insurance rates in Fort Wayne, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.

Here's a list of car insurance companies that offer cheap insurance rates in Fort Wayne based on driver profile. 

Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Fort Wayne drivers is $962

Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Fort Wayne.

CompanyAverage annual rates
State Farm$2,466
Data updated in 2024
Read our full methodology

Based on recent data analysis, 30-year-old drivers in Fort Wayne with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $958.

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
State Farm$1,101
Data updated in 2024
Read our full methodology

USAA is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Fort Wayne is $1,244. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket. 

CompanyAverage annual rates
State Farm$1,441
Data updated in 2024
Read our full methodology

In Fort Wayne, USAA has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,220 a year

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers. 

CompanyAverage annual rates
State Farm$1,840
Data updated in 2024
Read our full methodology

Average car insurance cost in Fort Wayne 

In Fort Wayne, the annual cost of car insurance for the coverage level of 100/300/100 is $1,447 or around $121 per month. However, the average yearly rate for state minimum coverage in Fort Wayne is $440.

Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.

Average annual RatesState minimum average
Data updated in 2024
Read our full methodology

Methodology commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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