Fort Wayne, Indiana is the county seat of rapidly growing Allen County, which has experienced considerable population growth in recent years. This has resulted in more roadway congestion. The area surrounded by I-69 and I-469 is packed with attractions, and these roads are packed with traffic.
Areas of high population density tend to have greater risks car theft, which is reflected in higher automobile insurance premiums. Make sure you’re getting the best deal by comparing several Fort Wayne, IN auto insurance quotes before you purchase. Find an independent agent in the Trusted Choice® network that can get you set up with the right Fort Wayne car insurance for your needs and budget.
- National Annual Premium Average: $1,311
- Indiana Annual premium costs: $1,033
- 41st most expensive premiums in the US
What Factors Affect Your Premiums?
The average cost of automobile insurance is based on several factors. While the state average is $1,033 annually, your premium will depend on:
- Your age
- Your driving record
- Your ZIP code
- How often you drive
- The make, model, and year of your car
- Any additional drivers, like teenagers or spouses
Remember, a quote from an insurance company might not take into account all of the available discounts you may be eligible for. If you only use your car to travel to the lovely Jefferson Pointe Shopping Center, you may be eligible for a discount. If you don't have a long daily commute, you should seek the advice of an independent insurance agent to determine if you are eligible for discounts.
Many companies provide discounts for high grades in school, certain types of cars, or even cars equipped with specific safety features. If you have all of your family's auto insurance policies with one company, you are probably eligible for some sort of discount. A Trusted Choice member agent in Fort Wayne, Indiana can easily answer all of these questions.
Fort Wayne, Indiana Car Insurance Requirements
- Bodily injury liability: required
- Property damage liability: required
- Personal Injury Protection (PIP): not required
- Uninsured motorist: not required
- Minimum liability limits: 25/50/10
- Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.
Indiana law does not require personal injury protection coverage, or uninsured/underinsured motorist coverage, but your Trusted Choice member agent can help you decide whether you want that additional insurance. With 14.2% of Indiana motorists estimated to be uninsured, you may need to protect yourself from the risks associated with an accident involving and at-fault uninsured driver.
Indiana state law requires that your car insurance meet the above liability limits. Unfortunately, if you have a traffic accident and you are found to be at fault, these limits can easily be exceeded by the actual damage costs, leaving you liable for payment out of pocket.
It is important to think through the possibilities when you buy coverage so you can make the most informed choice. Independent agents in the Trusted Choice network are experienced professionals you can turn to for advice on your Fort Wayne car insurance coverage. These agents live and work in your neighborhood and understand the risks you face on the road. They work with several insurers, not just one company, and can provide you with Fort Wayne auto insurance quotes to compare after just one phone call.
Car Theft in Fort Wayne, Indiana
- National average number of vehicle thefts (per 1,000 registered vehicles): 2.94
- Indiana average number of vehicle thefts (per 1,000 regsitered vehicles): 2.36
The rate of car thefts in Indiana is very close to the national average, but there is always a risk that your car will be stolen. Comprehensive coverage will include compensation for this type of large loss, which will provide you with peace of mind.
Find the Right Coverage at the Right Price
An experienced Trusted Choice independent agent can help you determine how much risk you face. Factors like the type and model of car you drive, the length of your daily commute, and your driving record are measured slightly differently by each insurance company you apply to, which is why quotes can vary so widely from insurer to insurer. Make sure you can see the big picture and choose the best option for your needs and budget.
By consulting a Trusted Choice agent, you will be able to draw upon their experience and you will be provided with the best Fort Wayne car insurance policy to fit your needs. Your independent agent has access to multiple insurance companies and can find a Fort Wayne car insurance policy that will provide you with the protection you deserve at a price point you can afford. Get a quote today to get started finding the best car insurance for your needs.