Home Car insurance Average car insurance cost Car insurance rates by state Indiana Fort Wayne, IN Average car insurance cost in Fort Wayne, IN Car insurance rates in Fort Wayne, Indiana are $1,447 per year. At $955 per year, Geico offers the cheapest rates in Fort Wayne View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 30, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. According to data from Insure.com, the average annual cost of car insurance in Fort Wayne, Indiana is $1,447. The auto insurance rates in Fort Wayne is $68 less than the state average and $448 less than the national average.City average ratesState average ratesNational average cost$1,447$1,515$1,895 Car insurance premiums vary significantly based on where they are filed. Factors such as city demographics, population density and average resident age, accident rates, theft, and vandalism rates will influence the amount of premiums you pay.This article talks in detail about the most affordable car insurance companies in Fort Wayne, the average car insurance rates by age and gender, and how much car insurance cost in Fort Wayne depending on coverage limits. Whether you’re a new driver or an experienced one, this article will help you to find the most affordable car insurance in Fort Wayne. Keep reading to learn more.Key TakeawaysCar insurance in Fort Wayne, Indiana costs $1,447 per year.At $955 per year, Geico offers the cheapest car insurance in Fort Wayne.Car insurance for young adults in Fort Wayne costs $2,385 per year.Cheap car insurance companies in Fort WayneAt an average of $955 per year with full coverage limits of 100/300/100, Geico provides the most affordable car insurance in Fort Wayne.Ranked as the second most affordable company in Fort Wayne, Auto-Owners provides car insurance at $1,112 per year.As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Fort Wayne that align with your needs before selecting a policy.The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Fort Wayne, Indiana:Company NameAverage annual costAverage monthly costGeico$955$80Auto Owners$1,112$93Travelers$1,168$97Nationwide$1,226$102Progressive$1,382$115Indiana Farmers Insurance$1,490$124State Farm$1,627$136Farmers$1,903$159Indiana Farm Bureau$2,093$174Allstate$2,183$182USAA$782$65Read about the best car insurance companies.Average car insurance cost in Fort Wayne by coverage limitsThe average car insurance rates in Fort Wayne by coverage type are as follows:State minimum coverage: $440 per year (limits of 25/50/25)Liability-only coverage: $522 per year (limits of 50/100/50)Full coverage: $1,447 per year (limits of 100/300/100)Non-owners coverage: $272 per yearIn many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.Average car insurance rates by gender in Fort WayneThe average car insurance per year for female drivers in Fort Wayne, Indiana, is $1,453.Whereas the yearly average car insurance rate for male drivers is $1,442, which is $11 less than what female drivers pay.According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.Read more on how gender affects car insurance rates.Average car insurance rates by age in Fort WayneIn Fort Wayne, car insurance rates are the highest for teens, at $4,573 per year or $381 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $2,385 per year for their car insurance which is $2,188 less than what the teens pay for their insurance policy.The car insurance rates in Fort Wayne for adult and senior drivers are $1,443 and $1,448 per year respectively.The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.Read more on auto insurance for seniors.The table below depicts the average annual rates for drivers of different age groups:Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)$4,573$2,385$1,443$1,448Car insurance rate trends in Fort WayneExamining car insurance rate trends in Fort Wayne, Indiana, we observe a upward trend from 2022 to 2023. Subsequently, from 2022 to 2023, the rates experienced increase overall, with an increase of 23% or $266.The table below shows the trend for last four years:2016 rates2019 rates2022 rates2023 rates$934$1,193$1,181$1,447ConclusionIn conclusion, the insurance rates in Fort Wayne, are lower than the average insurance cost in Indiana. Shopping around and taking advantage of available discounts, drivers in Fort Wayne can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.SourcesInsurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.MethodologyInsure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:$100,000 bodily injury per person$300,000 bodily injury per accident$100,000 property damage per accident$500 comprehensive and collision deductibleThe quoted insurance rates are for comparison purposes, and your individual rates may vary. How much is car insurance in other citiesCarmelEvansvilleFishersSouth BendPrachi SinghContributing Researcher  . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in Fort WayneAverage car insurance cost in Fort Wayne by coverage limitsAverage car insurance rates by gender in Fort WayneAverage car insurance rates by age in Fort WayneCar insurance rate trends in Fort WayneConclusionSourcesMethodology ZIP Code Please enter valid ZIP See rates