Fort Wayne, IN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Fort Wayne, IN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Fort Wayne, IN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Fort Wayne, IN Auto Insurance Rates
- Fort Wayne, IN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Fort Wayne, IN
- Multi Vehicle Insurance Savings in Fort Wayne, IN
- How Credit Score Affects Car Insurance Rates in Fort Wayne, IN
- How DUI Affects Auto Insurance Premiums in Fort Wayne, IN
- Top Auto Insurance Agents Near Fort Wayne, IN
- How Driving Violations Affect Auto Insurance Rates in Fort Wayne, IN
- Fort Wayne, IN Auto Insurance Discounts on Anti Theft Feature
- Fort Wayne, IN Auto Insurance Company Reviews
Fort Wayne, IN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Fort Wayne, IN with that of other cities in and around Fort Wayne.
| Fort Wayne | Lake | St. Joseph | Allen County | Adams | Huntertown | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,042 | $1,203 | $1,176 | $1,178 | $1,480 | $1,210 |
Fort Wayne, IN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Fort Wayne, IN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Fort Wayne | $1,483 | $1,253 |
| Allen County | $1,075 | $908 |
| St. Joseph | $1,332 | $1,125 |
| Adams | $1,352 | $1,142 |
| New Haven | $1,419 | $1,199 |
| Aboite | $1,741 | $1,470 |
| Lake | $1,572 | $1,328 |
| Huntertown | $1,724 | $1,456 |
Fort Wayne, IN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Fort Wayne, IN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,381 |
| 20 Years | $1,339 |
| 30 Years | $1,031 |
| 40 Years | $992 |
| 50 Years | $919 |
| 60 Years | $932 |
| 70 Years | $1,084 |
Fort Wayne, IN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Fort Wayne, IN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,771 | $313 |
| 3 Vehicles | $2,657 | $469 |
| 4 Vehicles | $3,543 | $625 |
Savings on 2 Vehicles bundle:$313
Savings on 3 Vehicles bundle:$469
Savings on 4 Vehicles bundle:$625
Fort Wayne, IN Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Fort Wayne, IN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Fort Wayne | $1,042 | $1,612 |
| Allen County | $1,178 | $1,823 |
| St. Joseph | $1,176 | $1,820 |
| Adams | $1,480 | $2,290 |
| New Haven | $1,158 | $1,792 |
| Aboite | $1,593 | $2,465 |
| Lake | $1,203 | $1,861 |
| Huntertown | $1,210 | $1,872 |
Fort Wayne, IN Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $894 |
| Excellent (740-799) | $1,021 |
| Good (670-739) | $1,086 |
| Average (580-669) | $1,417 |
| Poor (300-579) | $1,700 |
Fort Wayne, IN Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Virtue Insurance Services Llc | Erie | 7209 Mill Run Road, Fort Wayne, 46819 | None |
| Steve Hughes | State Farm | 725 Broadway St Ste A, New Haven, 46774-1673 | 260-245-0490 |
| Steve Hughes | State Farm | 725 Broadway St Ste A, New Haven, 46774-1673 | 260-245-0490 |
| Steve Hughes | State Farm | 725 Broadway St Ste A, New Haven, 46774-1673 | 260-245-0490 |
| Hoch Insurance Agency Inc | Liberty Mutual Independent | 209 E WASHINGTON CENTER RD, FORT WAYNE, 46825 | (260) 471-7555 |
| Justin Harkelroad | Allstate | 220 Insurance Dr Ste D, Fort Wayne, 46825 | (260) 216-0057 |
| John Hayes | State Farm | 6407 Stellhorn Rd, Fort Wayne, 46815-5434 | 260-486-4711 |
| Larry Ice Ii | State Farm | 8411 Mayhew Rd, Fort Wayne, 46835-1003 | 260-484-8572 |
| Kp Financial Services Llc | Travelers | 6331 CONSTITUTION DR STE B, FORT WAYNE, 46804 | 260-415-8844 |
| Pat Bryan | State Farm | 10321 Illinois Rd, Fort Wayne, 46814-9705 | 260-625-4488 |
| Paul E. Stein | Allstate | 6242 W Jefferson Blvd, Fort Wayne, 46804 | (260) 459-1700 |
| Heartland Insurance Partners Llc | Erie | 10305 Dawsons Creek Blvd Suite F, Fort Wayne, 46825 | None |
| Heartland Insurance Partners Llc | Erie | 10305 Dawsons Creek Blvd Suite F, Fort Wayne, 46825 | None |
Fort Wayne, IN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$46 | $1,088 |
| Driver's Failure In Showing Documents | +$101 | $1,143 |
| Driving With An Expired Registration | +$107 | $1,149 |
| Driving At A Considerably Slow Pace | +$226 | $1,268 |
| Using A Cellphone While Driving | +$239 | $1,281 |
| Running A Red Light | +$243 | $1,285 |
| Speeding | +$255 | $1,297 |
| Driving A Vehicle Without The Required Permission | +$324 | $1,366 |
| Driving With An Expired/Suspended License | +$702 | $1,744 |
Fort Wayne, IN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,000 |
| Active Disabling Device | $1,000 |
| Tracking Device | $979 |
| Passive Disabling Device | $969 |
Latest Auto Insurance Reviews in Fort Wayne, IN | Back to Top
GeicoOur deductible is comparable to other insurances, $500 but Geico was about 150 less a month than our other policy through progressive.
State FarmI have been with State Farm for so long I really dont know anything about other companies. Ive never checked.
State FarmThey are a good company with good prices and good employees. I am not disappointed with them and will continue to use them for years to come.
GeicoI'm sure they offer whatever other companies offer, I've just had a miserable experience.
GeicoI'd wholeheartedly recommend Geico for any sort of insurance required. Their coverage, pricing, and service are unmatched as a whole compared to other companies like State Farm or progressive.
State AutoI have had good customer service with State Auto. I would rate them a 5 out of 5. I have never had any issues with their customer service.
GeicoFrom my recent searches to compare insurance it seems they're not as cheap as they advertise.
State FarmI am not sure what their car insurance offerings are. They do offer a rental car, but you have to pay the deductible every time.
Encompass InsuranceWe were able to get better coverage with Encompass at a significantly lower rate than with our previous provider (State Farm).
Auto Owners InsuranceI would recommend this to any one cause at great affordable rates it's safe and easy way to conduct easy driving
Auto Owners InsuranceI would recommend this to any one cause at great affordable rates it's safe and easy way to conduct easy driving
State FarmAgain, for the amount of the premium if you have not filed a claim they should give back something when it's time to renew and you stay with them. Loyalty rewards or something like that. The discounts are so minimal that they hardly count.
State FarmAgain, for the amount of the premium if you have not filed a claim they should give back something when it's time to renew and you stay with them. Loyalty rewards or something like that. The discounts are so minimal that they hardly count.
GeicoI am satisfied with my car insurance company. The price has gone up a bit so I checked around and it is still cheaper than the others I got a quote from. They were extremely helpful when I was hit by another car and it was not my fault.
GeicoThe premium is the lowest I have found and I got quotes from State Farm, National General, and Progressive before deciding. Geico was the lowest priced overall. I was able to bring it even lower to $70 a month as opposed to others that were trying to charge well over $120 a month.
TravelersI have nothing bad to say about Travellers. My agent dropped them last year and I actually switched agents to stay with them. The customer service is amazing.
AllstateThe only thing I dislike is I wish the company had more ways to contact them )email, app, or live chat) would all be super beneficial. That's my only complaint with this company.
State FarmI've had State Farm for many years and have only needed them for a hail claim on my vehicle many years ago. They were quick to pay at that time.
GeicoI think Geico is fairly priced. We have been with them for several years. They are a well-known company and popular in our area. Our benefits in our policy are a fair amount of liability insurance to cover our vehicles plus ourselves in case of an accident or emergency.
ProgressiveI like that it does give me a cheaper deal in order to have a $500 deductible with my accident on my record. It's also super easy to use the app to see my account.
Farmer's InsuranceThe Farmer's policy offerings seem to be very similar to those offered by other insurance companies, though to be honest, I don't pay as much attention to the particulars of a policy as I do the cost.
AaaI have shopped around trying to find the same limits of protection with a $250 deductible and AAA is by far the lowest in price. Their Customer service is also wonderful.