Find Car Insurance in Fort Wayne, Indiana

What You Should Know About Car Insurance in Fort Wayne, IN

The U.S. military established Fort Wayne as an army base in 1794, accelerating the growth of the nearly century-old development. Rapid population increases continued early in the 19th century, with the Wabash and Erie Canal making Fort Wayne an industrial city, and again when the railroad arrived in 1850. The city never stopped growing. Its current population is over 270,000, and it has been attracting new residents in recent years.

Fort Wayne encompasses about 110 square miles and offers a steady flow of activity for its residents. Whether it is a free random yoga or Zumba lesson at the beautiful Promenade Park or a multi-day holiday market with family fun, food, and artisan vendors, you will be spending lots of time traveling around town.

Make sure to talk to an expert agent who can help you find the best car insurance in Indiana at the best price, and ride the streets of the city knowing your insurer has you covered.

How Much Does Car Insurance Cost in Fort Wayne, Indiana?

Depending on where you live in the state, auto insurance is generally very affordable. U.S. citizens pay an average of $2,014 for a full coverage policy and $622 for minimum liability. Compared with other states, Indiana residents pay only $1,295 for full coverage and $327 for a basic policy. While many factors can affect your rates, living in this state definitely gives you a head start on lower premiums.

What Does It Mean If Indiana Is an At-Fault State?

Regardless of the type of state you live in, if you cause an accident, your insurer is responsible for covering any property you damage. Indiana is an at-fault state, which means that your policy would also pay for bodily injuries and related expenses that result from a road incident you cause. Some states are no-fault states, where all parties must recover accident-related injury costs from their own provider, even if the other driver caused the accident.

Affordable Car Insurance Rates Comparison by Cities in Fort Wayne

The table below indicates that rates in Fort Wayne and other cities in the region fall within a reasonable range of the state average for premium costs.

City	Full Coverage Insurance	Liability Insurance Coverage
Fort Wayne	$96	$31
Monroeville	$98	$30
New Haven	$96	$31
Woodburn	$96	$29
Zanesville	$100	$30

How Bundling Your Car and Homeowners Insurance Can Save You Money in Fort Wayne

As a homeowner, you can get better pricing on your policies if you bundle your home and auto insurance. Getting more than one policy through the same insurer is called bundling in the industry, and companies offer discounts of 5% to 25% when you bundle. There are other advantages to using the same provider for all your coverage needs, including paying your bills and sending paperwork and information to only one company.

Since some companies offer better pricing for homeowners’ insurance and others for car insurance, to take full advantage of bundling, you really have to shop your policies with numerous providers to see where you can get the best combination. You also need to determine which carriers have the best bundling discount. Fortunately, your agent will do all that work so you do not have to and will deliver a package of policies with the coverage you need at the most affordable prices.

What Types of Car Insurance Discounts Are Available in Fort Worth?

Insurers will lower your insurance premiums if you qualify for discounts. There are many types of discounts available, and you can qualify for several of them if they pertain to you. Ask your agent if you are entitled to these and other discounts:

• Anti-theft discount
• Safety feature discount
• High deductible discount
• Military discount
• Premium up-front discount

Notable Car Insurance Laws in Fort Wayne

Each state has its own set of rules about how much coverage drivers must obtain, what factors insurers may use when determining their rates, and similar types of laws. While Fort Wayne does not have its own insurance regulations, these are some of the statutes that apply to all Indiana drivers.

What Are the Mandatory Car Insurance Requirements in Fort Wayne?

It is always good to have a decent amount of coverage. Accidents can be very costly, and if you cause damages beyond your policy’s limits, you have to pay for the balance out of pocket. While you should talk to your agent about obtaining more than the minimum coverage required by the state, if you live and drive in Indiana, you will have to include the following by state statute:

• $25,000 liability coverage for bodily injury per person
• $50,000 liability coverage for bodily injury per accident
• $25,000 liability coverage for property damage

What Is the Penalty for Driving Without Insurance in Fort Wayne?

In addition to protecting you financially, you need to have coverage before operating a vehicle to ensure the other party is compensated if you cause an accident. Therefore, states impose various penalties to discourage drivers from driving while uninsured. In Indiana, if you do not have the minimum required coverage, your license and registration will likely be suspended. To get your license reinstated, you will have to obtain an SR-22 for at least 180 days and pay the following:

• $250 for a first suspension
• $500 for a second suspension
• $1,000 for a third suspension

What Factors Go into My Car Insurance Cost in Fort Wayne?

Insurers use a host of factors to determine the likelihood of paying claims and the amounts they might have to pay. Indiana is very lenient and allows companies to use all sorts of factors, including the following:

• Occupation
• Driving experience
• Age
• Gender
• Education level

Typical Driving Conditions in Fort Wayne

Driving conditions in Fort Wayne are pretty decent for the most part. Highways 27, 69, and 469 run through the city but are not typically congested. Other than during commute times, the streets only get overloaded when there are ongoing road jobs in town. The city, county, and state commonly have infrastructure projects as they work to keep up with the continued population growth in Fort Wayne.

How Many Car Accidents Happen in Fort Wayne per Year?

Crash data for Allen County shows that most of the accidents in the county occurred in Fort Wayne. These are the statistics for 2023:

City	Total Crashes
Fort Wayne	9,143
Monroeville	14
New Haven	263
Woodburn	7
Zanesville	2

How Many Uninsured/Underinsured Motorists Are in Fort Wayne?

The Insurance Information Institute reports that 14% of Indiana drivers were uninsured in 2023. That means that nearly one out of every seven drivers does not have a policy, so if they crash into you and do not have the funds to pay for any damages they cause to you or your vehicle, you would have to cover those bills on your own. Many Indiana drivers obtain uninsured/underinsured motorist coverage to ensure they are protected under such circumstances.