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Pekin and Grange are among the best car insurance companies in Fort Wayne, Indiana, based on Bankrate’s extensive research. The average cost of car insurance in Fort Wayne is $399 per year for minimum coverage and $1,203 per year for full coverage. Most households in Summit City own an average of two vehiclescar insurance is therefore a must for many people.

Finding the best and cheapest auto insurance in Fort Wayne starts with choosing the right insurer for your needs. To help you with the process, Bankrate reviewed the biggest carriers in town by market share and compared average premiums, coverages, discounts and third-party ratings. Our analysis could help you find a company that offers the coverage you need at a competitive price.

Best Car Insurance Companies in Fort Wayne

Beijing, Grange, USAA and Westfield offer some of the best inexpensive car insurance in Fort Wayne. The average premiums for these carriers are lower than the city average. But when it comes to auto insurance, Fort Wayne residents may want to consider more than price.

In addition to price, Bankrate’s insurance editorial team also reviewed the JD Power Customer Satisfaction Survey and the National Association of Insurance Commissioners (NAIC) Customer Complaints Database to get a sense of the carriers that provide exemplary customer service and a hassle-free claims experience. . Available coverages, discounts and policy features were also considered.

If you’re looking for the best auto insurance in Fort Wayne, you might want to get quotes from these carriers:

insurance company Note from JD Power
(Central-North Region)
Average annual premium for minimum coverage Average annual premium for full coverage
beijing Unclassified $238 $637
barn 826/1000 $258 $822
United States of America* 895/1000 $280 $834
Westfield Unclassified $294 $1,103

*Not officially rated by JD Power due to eligibility restrictions

beijing

Beijing offers the cheapest car insurance in Fort Wayne for minimum and full coverage, based on our analysis. Low average premiums could be partly due to Beijing’s generosity car insurance discount. You may be able to use some of the savings to upgrade your coverage by adding roadside assistance, rental car reimbursement, or loan/lease gap coverage.

barn

Grange offers Fort Wayne residents many options to customize their coverage with endorsements like pet and mobile device injury coverage, full glass repair, and original equipment manufacturer (OEM) coverage. You might want to consider signing up for OnTrack, which monitors your driving habits through a mobile app and might reward you with discounts on your vehicle insurance premium for safer driving.

Learn more: Barn Insurance Review

USAA

USAA could be a great choice for Hoosiers looking for excellent customer service. Members receive exclusive access to the carrier’s value-added vehicle, home and renter coverage. USAA’s main drawback is the limited number of Fort Wayne car owners who can qualify for membership. You will need to be a veteran, active duty military member, or close family member to register.

Learn more: USAA Insurance Review

Westfield

Westfield Full Cover may be the most expensive on our list, but you can always consider a quote. The company offers basic auto insurance policies, but for more robust coverage you may want to get a Westfield quote. WespakName car insurance policy. Several elements come together to provide a well-rounded auto insurance policy, including travel protection coverage, gap insurance coverage, and replacement cost coverage.

Learn more: Westfield Insurance Review

Cheapest car insurance in Fort Wayne

Fort Wayne’s average auto insurance rates are lower than state and national averages. Summit City residents pay only $399 per year for minimum coverage and $1,203 per year for full coverage. For comparison, the average cost of car insurance in Indiana is $367 per year for minimum coverage and $1,254 per year for full coverage. These premiums are a little lower than the national annual average cost of auto insurance, which is $1,674 for full coverage and $565 for minimum coverage.

And depending on the carrier you choose, you might find even lower rates. These carriers are some of the cheapest in town, according to our research:

insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $280 $834
At national scale $315 $954
car owners $319 $1,043
Geico $321 $1,121
Erie $332 $985

USAA may be the cheapest carrier, but is only available to those affiliated with the military or direct family of a military member. Nationwide and Geico may be more widely recognized names in the insurance industry, but Auto-Owners and Erie are regional carriers that offer solid coverage options at competitive prices.

When shopping for auto insurance, Fort Wayne residents may wish to obtain quotes from multiple carriers to compare premiums, coverages, and discounts. And keep in mind that your rates vary depending on your personal situation. You can pay more or less than the average.

Fort Wayne Insurance Requirements

The State of Indiana requires all drivers to wear a minimum amount liability coverage:

  • Civil liability of $25,000 in bodily injury per person
  • $50,000 bodily injury liability per accident
  • Civil liability of $25,000 in property damage per accident

Insurance companies must also offer you coverage for uninsured motorists and underinsured motorists, although you have the option of declining these coverages in writing. And while you can satisfy Indiana financial responsibility law by providing a bond, deposit, or certificate of self-insurance, most drivers are likely opting to purchase an auto insurance policy.

Minimum coverage will provide the limits required to drive legally, but most insurance professionals recommend purchasing higher liability limits if you can afford them. In addition, the minimum coverage does not cover damage to your vehicle. For that, you need comprehensive coverage, which adds both comprehensive and collision coverage. You will likely need to purchase comprehensive coverage if you have a loan or lease on your vehicle.

Fort Wayne Car Insurance Discounts

Fort Wayne residents already pay low average rates for car insurance, but there are other ways to save. Many carriers have a list of discounts available to policyholders, such as:

  • Multiline/grouping: Bundling your coverage — which simply means buying your home, renters, or condo insurance from the same company as your auto insurance — could save you money on all of your policies.
  • Safe driver: A good driving record can help you avoid surcharges for accidents or traffic tickets, and it could also qualify you for a discount.
  • Good student: If you’re a full-time student under the age of 25 with a B average or better, or if you’re insuring a student who meets these criteria, you could be eligible for a great student discount.
  • Multi-vehicle: Insuring all the vehicles in your household with the same company often saves you money with a multi-car discount.

Discounts vary by company, so talking to an authorized agent is often the best way to identify savings opportunities.

Frequently Asked Questions

What is the best car insurance company in Fort Wayne?

The best car insurance company in Fort Wayne will be different for every driver. Although Beijing, Grange, USAA and Westfield are among the top companies based on our analysis, the best company for you might be different. Understanding your needs and getting quotes from multiple companies can be a good way to find the right carrier for your situation.

How much does car insurance cost in Fort Wayne?

The average cost of car insurance in Fort Wayne is $399 per year for minimum coverage and $1,203 per year for full coverage. But keep in mind that insurance prices are personalized. Your rates may be higher or lower depending on factors such as your driving history, the type of car you drive and the coverages you choose.

What if I don’t have car insurance in Fort Wayne?

Auto insurance is legally required if you own a vehicle in Indiana, unless you satisfy the state’s financial responsibility law with a bond, deposit, or certificate of self-insurance. Driving without insurance in Indiana can result in fines and license suspension. If you cause an accident without insurance, you will be responsible for paying for the damages and injuries you cause out of pocket.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:

  • Civil liability of $100,000 in bodily injury per person
  • Civil liability of $300,000 in bodily injury per accident
  • Civil liability of $50,000 in property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 aggregate deductible

To determine minimum coverage limits, Bankrate has used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.

These are sampling rates and should only be used for comparison purposes. Your quotes may be different.

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