Cheap Car Insurance in Fort Wayne

Written by Xuyun Zeng and 2 others
Updated Jul 28, 2025
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Cheap Car Insurance in Fort Wayne

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Fort Wayne’s flat, tree-lined streets are generally pleasant, but the city still has its share of distracted, inebriated and/or speedy drivers.

Whether you’re heading out to catch a TinCaps game or grabbing a bite at Coney Island, it’s best to have a robust car insurance policy on your vehicle. We’ll help you break down the factors that can affect the price of car insurance in Fort Wayne, such as your age, zip code and driving record.


More: Best car insurance in Indiana


Cheapest minimum coverage insurance in Fort Wayne

Here are the cheapest quotes for minimum coverage in Fort Wayne, based on Jerry’s data.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$21 $248 Progressive 65 March 24, 2025 Fort Wayne, IN 46808
$22 $266 Progressive 63 May 17, 2025 Fort Wayne, IN 46819
$28 $336 Progressive 46 June 27, 2025 Fort Wayne, IN 46816
$33 $398 Assurance America 43 June 21, 2025 Fort Wayne, IN 46825
$34 $412 Electric 45 June 25, 2025 Fort Wayne, IN 46815
$36 $432 Progressive 35 May 1, 2025 Fort Wayne, IN 46835
$37 $438 National General 45 July 7, 2025 Fort Wayne, IN 46803
$37 $446 Progressive 59 April 23, 2025 Fort Wayne, IN 46818
$38 $450 Electric 41 June 19, 2025 Fort Wayne, IN 46818
$38 $452 Electric 59 May 29, 2025 Fort Wayne, IN 46825
Last Updated Jul 24, 2025

Indiana law requires drivers to carry these minimum coverages:

  • $25,000 in bodily injury liability per person injured in an accident.
  • $50,000 for two or more people injured in one accident.
  • $25,000 for damage to other peoples’ property.

New policies also include uninsured and underinsured motorist coverage, but drivers can reject this in writing. These are the minimum limits:

  • $25,000 for uninsured motorist bodily injury coverage to one person, and $50,000 to two or more people in an accident
  • $25,000 towards property damage
  • $50,000 for underinsured motorist bodily injury coverage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Cheapest car insurance in Indiana

Cheapest full coverage insurance in Fort Wayne

According to the National Weather Service, Fort Wayne typically gets its first day of freezing temperatures around October 15 and its last day around April 25. This means Fort Wayne may see freezing conditions for up to six months in a year. If you’re in an accident on icy roads, the state’s minimum required coverage won’t pay for repairs to your car, but full coverage could. Here are the cheapest full coverage quotes that Jerry customers in Fort Wayne have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$45 $534 Progressive 59 March 9, 2025 Fort Wayne, IN 46808
$48 $574 Progressive 44 June 23, 2025 Fort Wayne, IN 46835
$49 $584 Geico 60 February 24, 2025 Fort Wayne, IN 46804
$49 $584 Safeco 49 July 12, 2025 Fort Wayne, IN 46835
$54 $642 Progressive 50 July 19, 2025 Fort Wayne, IN 46815
$56 $672 Progressive 43 June 21, 2025 Fort Wayne, IN 46825
$57 $680 Progressive 41 June 19, 2025 Fort Wayne, IN 46818
$63 $750 Clearcover 43 June 21, 2025 Fort Wayne, IN 46806
$67 $804 Progressive 50 February 18, 2025 Fort Wayne, IN 46815
$67 $806 National General 36 March 16, 2025 Fort Wayne, IN 46808
Last Updated Jul 24, 2025

More: Best car insurance companies

Cheapest car insurance for young drivers in Fort Wayne (18-29 years old)

New drivers with less experience on the road are likely to pay more for coverage, but premium costs typically drop as young drivers enter their late 20s. Check out the cheapest quotes for car insurance that young drivers in Fort Wayne have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$80 $964 National General 27 No May 14, 2025 Fort Wayne, IN 46819
$82 $980 Clearcover 21 Yes May 14, 2025 Fort Wayne, IN 46835
$86 $1,030 Trexis 27 No June 5, 2025 Fort Wayne, IN 46835
$92 $1,108 Assurance America 28 No July 7, 2025 Fort Wayne, IN 46807
$94 $1,130 Bristol West 26 No July 14, 2025 Fort Wayne, IN 46835
Last Updated Jul 24, 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in Fort Wayne (30-54 years old)

Drivers between the ages of 30 and 54 typically pay lower premiums than younger drivers. Check out the cheapest quotes that mature drivers in Fort Wayne have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$36 $432 Progressive 35 No May 1, 2025 Fort Wayne, IN 46835
$38 $450 Electric 41 No June 19, 2025 Fort Wayne, IN 46818
$38 $460 Progressive 32 No July 4, 2025 Fort Wayne, IN 46819
$43 $520 Trexis 43 No June 24, 2025 Fort Wayne, IN 46809
$44 $532 Assurance America 42 No June 21, 2025 Fort Wayne, IN 46816
Last Updated Jul 24, 2025

Cheapest car insurance for older drivers in Fort Wayne (55+ years old)

Drivers who are 55 and older typically pay the lowest rates, but those premiums may rise when they enter their 70s. Below are the cheapest insurance quotes that older drivers in Fort Wayne received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$21 $248 Progressive 65 March 24, 2025 Fort Wayne, IN 46808 No
$22 $266 Progressive 63 May 17, 2025 Fort Wayne, IN 46819 No
$38 $452 Electric 59 May 29, 2025 Fort Wayne, IN 46825 No
$50 $604 Trexis 60 February 24, 2025 Fort Wayne, IN 46804 No
$56 $676 The General 61 March 11, 2025 Fort Wayne, IN 46804 No
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with clean records in Fort Wayne

Drivers with no accidents, claims or citations typically get the lowest possible rates. These are the quotes that drivers with clean records in Fort Wayne have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$21 $248 Progressive 65 March 24, 2025 No Fort Wayne, IN 46808
$22 $266 Progressive 63 May 17, 2025 No Fort Wayne, IN 46819
$36 $432 Progressive 35 May 1, 2025 No Fort Wayne, IN 46835
$38 $450 Electric 41 June 19, 2025 No Fort Wayne, IN 46818
$38 $452 Electric 59 May 29, 2025 No Fort Wayne, IN 46825
$38 $460 Progressive 32 July 4, 2025 No Fort Wayne, IN 46819
$43 $520 Trexis 43 June 24, 2025 No Fort Wayne, IN 46809
$44 $532 Assurance America 42 June 21, 2025 No Fort Wayne, IN 46816
$46 $554 Electric 51 May 17, 2025 No Fort Wayne, IN 46819
$48 $574 Progressive 44 June 23, 2025 Yes Fort Wayne, IN 46835
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with low credit scores in Fort Wayne

Indiana allows insurers to use a driver’s credit score to help calculate their premium and drivers with low scores typically pay higher premiums. Here are the cheapest quotes that drivers with credit scores below 550 have received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $51 $608 Progressive 52 July 9, 2025 Fort Wayne, IN 46825
<550 $67 $804 Assurance America 39 June 7, 2024 Fort Wayne, IN 46805
<550 $70 $845 Trexis 34 April 22, 2025 Fort Wayne, IN 46809
<550 $77 $923 Clearcover 30 April 3, 2025 Fort Wayne, IN 46815
<550 $82 $980 Progressive 22 July 6, 2025 Fort Wayne, IN 46816
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Fort Wayne

An at-fault accident is likely to cause an insurer to raise your rates. If you’ve recently been in an accident, it’s wise to compare quotes from multiple insurers before your policy renews to help you secure the cheapest premium. These are the cheapest quotes that drivers with at-fault accidents in Fort Wayne received through Jerry.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $46 $551 Trexis 30 No May 16, 2025 Fort Wayne, IN 46815
At Fault With No Injury $54 $650 Assurance America 26 No March 17, 2024 Fort Wayne, IN 46802
At Fault With No Injury $72 $864 National General 65 Yes September 2, 2024 Fort Wayne, IN 46818
At Fault With No Injury $75 $900 Progressive 29 Yes July 19, 2025 Fort Wayne, IN 46835
At Fault With Injury $84 $1,010 Safeco 42 No February 12, 2024 Fort Wayne, IN 46808
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with speeding tickets in Fort Wayne

Insurance premiums are likely to increase after you receive a speeding citation, but the amount of increase may depend on the speed you were cited at. Since insurers penalize speeding differently, it’s wise to cost-compare with multiple providers. These are the cheapest quotes that Jerry customers in Fort Wayne with speeding tickets have received.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $59 $709 Trexis 51 July 14, 2025 Fort Wayne, IN 46809
Speeding over 15 $75 $904 Progressive 48 July 2, 2025 Fort Wayne, IN 46815
Speeding under 15 $80 $963 Trexis 57 June 28, 2025 Fort Wayne, IN 46808
Speeding under 15 $107 $1,288 National General 68 June 17, 2024 Fort Wayne, IN 46816
Speeding over 15 $119 $1,430 Trexis 22 September 22, 2024 Fort Wayne, IN 46818
Last Updated Jul 24, 2025
MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.