Average car insurance cost in Fort Wayne, Indiana

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

At $1,830 per year, Fort Wayne drivers pay $64 less than the state average and $748 less than the national average for full coverage car insurance.

GEICO holds the lowest average rate at $1,146, while your own premium comes down to your age, driving record, and coverage level.

Here’s how Fort Wayne’s average rate compares to state and national averages:

How much car insurance do you need in Fort Wayne?

Liability coverage is necessary to drive legally for drivers in Fort Wayne, but full coverage protects more – it pays out for your own vehicle, not just the other driver’s.

With liability only, you’re covered for damage you cause to someone else – but not for your own car. A crash, theft, or a tree branch through your windshield comes straight out of your pocket. Here’s what each coverage level costs per year and what it includes:

• State minimum coverage: $488 per year – Limits of $25,000 bodily injury per person, $50,000 total bodily injury per accident, $25,000 property damage. The lowest coverage level allowed by law.
• Liability only coverage: $529 per year – Limits of $50,000 bodily injury per person, $100,000 total bodily injury per accident, $50,000 property damage. Pays for injuries to others and property damage when you’re at fault – but doesn’t cover your own vehicle.
• Full coverage: $1,830 per year – Limits of $100,000 bodily injury per person, $300,000 total bodily injury per accident, $100,000 property damage. Combines liability with collision and comprehensive, so your own car is covered too.

What are the cheapest car insurance companies in Fort Wayne?

GEICO holds the lowest full coverage rate in Fort Wayne at $1,146 per year, and Progressive takes second place at $1,389 per year. Rates are based on limits of $100,000 bodily injury per person, $300,000 per accident, and $100,000 property damage.

Rates differ by company because each insurer calculates risk differently. Comparing quotes from multiple providers is the best way to find a rate that fits your budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Fort Wayne.

Do men or women pay more for car insurance in Fort Wayne?

In Fort Wayne, male drivers pay $1,820 per year for full coverage car insurance – $20 less than female drivers, who average $1,840 per year.

Most states permit insurers to price policies by gender. California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania are exceptions that ban the practice.

Data from the Insurance Information Institute (Triple-I), a nonprofit that researches insurance trends, shows women drive more cautiously and cause fewer serious accidents than men. That risk gap is why insurers charge men more.

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

How does age affect car insurance rates in Fort Wayne?

Teen drivers pay the most for car insurance in Fort Wayne, with an annual rate of $5,488 per year, or $457 per month. Rates fall as drivers gain experience – young adults ages 20 to 24 pay $2,986 per year, adults 25 to 55 pay $1,819 per year, and seniors 60 to 75 pay $1,789 per year.

According to Insurance Institute for Highway Safety (IIHS), teen drivers — between the ages of 16 to 19 — have crash rates over 3 times those of drivers 20 and older per mile driven. Insurers factor this risk in, pushing teen car insurance rates higher.

Premiums drop as drivers gain experience, however. Young adults ages 20 to 24 pay $2,986 per year – 46% what teen drivers pay.

Below is a breakdown of average annual full coverage car insurance rates by age group.

How have car insurance rates changed in Fort Wayne?

Fort Wayne rates have moved in a upward direction since 2023 to 2025, climbing or falling by 13%, or $215.

If your own premium has been rising, shop around and confirm you’re not paying more than what other insurers charge.

The graph below tracks insurance costs from 2022 to 2025, showing the long-term trend behind today’s rates.

Methodology

Insure.com commissioned car insurance rates in 2026 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 65,756,440 auto insurance quotes collected in 2025 across 51 states, 29,159 cities and 34,595 zip codes. Quotes came from 195 insurance companies across 73 company groups, giving a national average annual premium of $2,578.

Each quote reflects a 40-year-old male and female driver with a Honda Accord LX, no violations and a good insurance score, driving 10,000 miles a year with a 12-mile daily commute. Coverage includes:

• 100/300/100 liability limits (up to $100,000 per person and $300,000 per accident for bodily injury, and $100,000 for property damage)
• $500 deductible for collision and comprehensive

The quoted insurance rates are for comparison purposes, and your rates may vary.

Alisha Ambre

 

 . .

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.