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 Insurance.com.
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.
| Companies | Average annual rates |
|---|---|
| USAA | $782 |
| Geico | $955 |
| Auto-Owners | $1,112 |
| Travelers | $1,168 |
| Nationwide | $1,226 |
| Progressive | $1,382 |
| Indiana Farmers | $1,490 |
| State Farm | $1,627 |
| Farmers | $1,903 |
| Indiana Farm Bureau Grp | $2,093 |
| Allstate | $2,183 |
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.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $2,172 | $1,188 | $793 | $845 |
| Indiana Farmers | $3,000 | $2,249 | $1,521 | $1,584 |
| Auto-Owners | $3,414 | $1,930 | $1,124 | $1,173 |
| Geico | $3,728 | $1,462 | $957 | $888 |
| Travelers | $3,993 | $1,889 | $1,196 | $1,211 |
| Progressive | $4,557 | $2,419 | $1,399 | $1,481 |
| Nationwide | $4,595 | $2,138 | $1,215 | $1,139 |
| State Farm | $5,013 | $2,827 | $1,642 | $1,590 |
| Allstate | $5,680 | $3,258 | $2,242 | $2,170 |
| Indiana Farm Bureau Grp | $6,135 | $3,678 | $1,980 | $1,936 |
| Farmers | $8,017 | $3,201 | $1,804 | $1,915 |
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.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: USAA
Cheapest for a driver with poor credit: Geico
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.
| Company | Average annual rates |
|---|---|
| Geico | $962 |
| Nationwide | $1,178 |
| USAA | $1,434 |
| Travelers | $1,769 |
| Farmers | $2,129 |
| State Farm | $2,466 |
| Progressive | $2,471 |
| Allstate | $2,825 |
Cheapest for drivers with a speeding ticket: USAA
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.
| Company | Average annual premium |
|---|---|
| USAA | $958 |
| State Farm | $1,101 |
| Nationwide | $1,463 |
| Geico | $1,467 |
| Travelers | $1,589 |
| Farmers | $1,923 |
| Progressive | $2,484 |
| Allstate | $2,698 |
Cheapest auto insurance after an at-fault accident: USAA
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.
| Company | Average annual rates |
|---|---|
| USAA | $1,244 |
| State Farm | $1,441 |
| Travelers | $1,629 |
| Nationwide | $1,651 |
| Geico | $1,733 |
| Farmers | $2,340 |
| Progressive | $3,364 |
| Allstate | $3,648 |
Cheapest auto insurance after a DUI: USAA
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.
| Company | Average annual rates |
|---|---|
| USAA | $1,220 |
| State Farm | $1,840 |
| Geico | $1,853 |
| Travelers | $1,984 |
| Nationwide | $2,313 |
| Farmers | $2,518 |
| Progressive | $2,612 |
| Allstate | $3,148 |
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 Rates | State minimum average |
|---|---|
| $1,447 | $440 |
Methodology
Insurance.com 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
Insurance.com 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.
