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.
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
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $47 | $558 | 43 | 06/24/25 | 46805 | ||
| $49 | $590 | 41 | 06/19/25 | 46816 | ||
| $60 | $714 | 77 | 07/27/25 | 46818 | ||
| $64 | $772 | 69 | 10/19/25 | 46803 | ||
| $65 | $774 | 50 | 10/09/25 | 46805 | ||
| $66 | $794 | 43 | 06/24/25 | 46809 | ||
| $69 | $828 | 55 | 08/28/25 | 46803 | ||
| $72 | $858 | 43 | 06/21/25 | 46803 | ||
| $72 | $860 | 30 | 07/18/25 | 46805 | ||
| $72 | $860 | 43 | 08/15/25 | 46835 |
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $37 | $442 | 27 | No | 07/23/25 | 46835 | ||
| $47 | $566 | 27 | No | 08/05/25 | 46807 | ||
| $53 | $630 | 28 | No | 10/22/25 | 46835 | ||
| $53 | $632 | 26 | No | 09/20/25 | 46804 | ||
| $55 | $658 | 27 | No | 10/09/25 | 46835 | ||
| $66 | $794 | 43 | 06/24/25 | 46809 | |||
| $69 | $828 | 55 | 08/28/25 | 46803 | |||
| $72 | $858 | 43 | 06/21/25 | 46803 | |||
| $72 | $860 | 30 | 07/18/25 | 46805 | |||
| $72 | $860 | 43 | 08/15/25 | 46835 |
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $31 | $372 | 41 | No | 06/19/25 | 46818 | ||
| $33 | $398 | 50 | No | 07/26/25 | 46806 | ||
| $38 | $460 | 52 | No | 07/23/25 | 46814 | ||
| $40 | $484 | 54 | No | 08/03/25 | 46818 | ||
| $43 | $520 | 36 | No | 10/17/25 | 46806 | ||
| $66 | $794 | 43 | 06/24/25 | 46809 | |||
| $69 | $828 | 55 | 08/28/25 | 46803 | |||
| $72 | $858 | 43 | 06/21/25 | 46803 | |||
| $72 | $860 | 30 | 07/18/25 | 46805 | |||
| $72 | $860 | 43 | 08/15/25 | 46835 |
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Date of Quote
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City, State
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ZIP Code
|
Has Full Coverage
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|---|
|
Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Date of Quote
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City, State
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ZIP Code
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Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $30 | $360 | 73 | 09/16/25 | 46807 | No | ||
| $35 | $420 | 64 | 08/04/25 | 46825 | No | ||
| $39 | $472 | 59 | 05/29/25 | 46825 | No | ||
| $55 | $664 | 64 | 05/16/25 | 46803 | No | ||
| $60 | $714 | 77 | 07/27/25 | 46818 | Yes | ||
| $66 | $794 | 43 | 06/24/25 | 46809 | |||
| $69 | $828 | 55 | 08/28/25 | 46803 | |||
| $72 | $858 | 43 | 06/21/25 | 46803 | |||
| $72 | $860 | 30 | 07/18/25 | 46805 | |||
| $72 | $860 | 43 | 08/15/25 | 46835 |
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $30 | $360 | 73 | 09/16/25 | No | 46807 | ||
| $31 | $372 | 41 | 06/19/25 | No | 46818 | ||
| $33 | $398 | 50 | 07/26/25 | No | 46806 | ||
| $35 | $420 | 64 | 08/04/25 | No | 46825 | ||
| $37 | $442 | 27 | 07/23/25 | No | 46835 | ||
| $38 | $460 | 52 | 07/23/25 | No | 46814 | ||
| $39 | $472 | 59 | 05/29/25 | No | 46825 | ||
| $40 | $484 | 54 | 08/03/25 | No | 46818 | ||
| $43 | $520 | 36 | 10/17/25 | No | 46806 | ||
| $47 | $558 | 43 | 06/24/25 | Yes | 46805 |
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.
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Date of Policy
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City, State
|
ZIP Code
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|---|
|
Credit Score
|
Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Policy
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City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $73 | $873 | 36 | 04/26/25 | 46806 | ||
| <550 | $77 | $925 | 27 | 04/22/25 | 46816 | ||
| <550 | $78 | $938 | 21 | 07/23/25 | 46825 | ||
| <550 | $80 | $956 | 29 | 08/29/25 | 46809 | ||
| <550 | $82 | $980 | 22 | 07/08/25 | 46816 | ||
| $38 | $460 | 52 | 46814 | ||||
| $39 | $472 | 59 | 46825 | ||||
| $40 | $484 | 54 | 46818 | ||||
| $43 | $520 | 36 | 46806 | ||||
| $47 | $558 | 43 | 46805 |
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.
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
|
Date of Policy
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City, State
|
ZIP Code
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|---|
|
At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $69 | $824 | 39 | No | 11/25/24 | 46819 | ||
| At Fault With No Injury | $115 | $1,378 | 27 | No | 11/30/24 | 46808 | ||
| At Fault With Injury | $128 | $1,530 | 25 | No | 04/01/25 | 46814 | ||
| At Fault With No Injury | $163 | $1,956 | 21 | No | 05/31/25 | 46825 | ||
| At Fault With No Injury | $184 | $2,212 | 21 | No | 08/21/25 | 46807 | ||
| $38 | $460 | 52 | No | 46814 | ||||
| $39 | $472 | 59 | No | 46825 | ||||
| $40 | $484 | 54 | No | 46818 | ||||
| $43 | $520 | 36 | No | 46806 | ||||
| $47 | $558 | 43 | Yes | 46805 |
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.
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Violation Summary
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
|
Violation Summary
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| Speeding over 15 | $24 | $288 | 48 | 07/02/25 | 46815 | ||
| Speeding over 15 | $64 | $762 | 32 | 10/27/25 | 46815 | ||
| Speeding under 15 | $65 | $778 | 57 | 09/07/25 | 46808 | ||
| Speeding over 15 | $67 | $806 | 58 | 10/16/25 | 46809 | ||
| Speeding over 15 | $78 | $940 | 25 | 07/25/25 | 46816 | ||
| $38 | $460 | 52 | 07/23/25 | 46814 | |||
| $39 | $472 | 59 | 05/29/25 | 46825 | |||
| $40 | $484 | 54 | 08/03/25 | 46818 | |||
| $43 | $520 | 36 | 10/17/25 | 46806 | |||
| $47 | $558 | 43 | 06/24/25 | 46805 |
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.
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.
