Pekin and Grange are among the best car insurance companies in Fort Wayne, Indiana, based on Bankrate’s extensive research. The average cost of car insurance in Fort Wayne is $399 per year for minimum coverage and $1,203 per year for full coverage. Most households in the Summit City own an average of two vehicles, so car insurance is a must for many people.


Compare rates and save on auto insurance today!

ZIP code
Close X

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Your information is kept secure

Powered by (NPN: 19966249)

Advertising disclosure
This advertisement is powered by, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions., LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Finding the best and cheapest car insurance in Fort Wayne starts with choosing the right carrier for your needs. To help you in the process, Bankrate reviewed the largest carriers in the city by market share and compared average premiums, coverages, discounts and third-party ratings. Our analysis could help you find a company that offers the coverage you need at a competitive price.

Best car insurance companies in Fort Wayne

Pekin, Grange, USAA and Westfield offer some of the best cheap car insurance in Fort Wayne. The average premiums from these carriers are lower than the city’s average. But when it comes to car insurance, Fort Wayne residents may want to consider more than just price.

In addition to price, Bankrate’s insurance editorial team also reviewed the J.D. Power customer satisfaction study and the National Association of Insurance Commissioners’ (NAIC) database of customer complaints to get an idea of which carriers provide exemplary customer service and a hassle-free claims experience. Available coverages, discounts and policy features were also taken into account.

If you are looking for the best car insurance in Fort Wayne, you might want to get a quote from these carriers:

Insurance company J.D. Power score
(North Central region)
Average annual premium for minimum coverage Average annual premium for full coverage
Pekin Not rated $238 $637
Grange 826/1,000 $258 $822
USAA* 895/1,000 $280 $834
Westfield Not rated $294 $1,103

*Not officially ranked by J.D. Power due to eligibility restrictions


Pekin offers the cheapest car insurance in Fort Wayne for both minimum and full coverage, based on our analysis. The low average premiums could be due in part to Pekin’s generous car insurance discounts, including multi-car, home and auto bundling, anti-theft equipment and advance issue savings. You may be able to use some of the savings to enhance your coverage by adding roadside assistance, rental car reimbursement or loan/lease gap coverage.


Grange offers Fort Wayne residents plenty of options to customize their coverage with endorsements like pet injury and mobile device coverage, full glass repair and original equipment manufacturer (OEM) coverage. You might want to consider enrolling for OnTrack, which monitors your driving habits through a mobile app and could reward you with discounts on your vehicle insurance premium for safer driving.

Learn more: Grange Insurance review


USAA could be a great choice for Hoosiers looking for excellent customer service. Members receive exclusive access to the carrier’s value-packed vehicle, home and renters coverage. The major drawback to USAA is the limited number of Fort Wayne car owners who may be able to qualify for membership. You will need to be a veteran, active-duty military personnel or a close family member to join.

Learn more: USAA Insurance review


Westfield’s full coverage may be the most expensive on our list, but you may still want to consider a quote. The company offers basic auto insurance policies, but for more robust coverage you may want to get a quote for Westfield’s Wespak car insurance policy. Several items are bundled to provide a well-rounded auto insurance policy, including trip protection coverage, gap insurance coverage and replacement cost coverage.

Learn more: Westfield Insurance review

Cheapest car insurance in Fort Wayne

Fort Wayne’s average car insurance rates are lower than both the state and national averages. Summit City residents pay just $399 per year for minimum coverage and $1,203 per year for full coverage. For comparison, the average cost of car insurance in Indiana is $367 annually for minimum coverage and $1,254 annually for full coverage. These premiums are quite a bit less than the national annual average cost of car insurance, which is $1,674 for full coverage and $565 for minimum coverage.

And depending on the carrier you choose, you could find even lower rates. These carriers are among the cheapest in the city, according to our research:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $280 $834
Nationwide $315 $954
Auto-Owners $319 $1,043
Geico $321 $1,121
Erie $332 $985

USAA may be the cheapest carrier but is only available to people who are affiliated with the military or direct family of a military member. Nationwide and Geico may be more widely recognized names in the insurance industry, but Auto-Owners and Erie are regional carriers who offer solid coverage options at competitive prices.

When shopping for car insurance, Fort Wayne residents may want to get quotes from several carriers to compare premiums, coverages and discounts. And keep in mind that your rates will vary based on your individual circumstances. You may pay more or less than the average.

Fort Wayne insurance requirements

The state of Indiana mandates that all drivers carry a minimum amount of liability coverage:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Insurance companies must also offer you uninsured motorist and underinsured motorist coverage, although you have the option to reject these coverages in writing. And while you can satisfy Indiana’s financial responsibility law by providing a bond, deposit or certificate of self-insurance, most drivers likely opt to purchase an auto insurance policy.

Minimum coverage will provide the required limits to drive legally, but most insurance professionals recommend that you purchase higher liability limits if you can afford to. Additionally, minimum coverage does not provide coverage for damage to your vehicle. For that, you need full coverage, which adds both comprehensive and collision. You will likely be required to carry full coverage if you have a loan or lease on your vehicle.

Car insurance discounts in Fort Wayne

Fort Wayne residents already pay low average rates for car insurance, but there are additional ways to save. Many carriers have a list of discounts available to policyholders, such as:

  • Multi-line/bundling: Bundling your coverage — which just means buying your home, renters or condo insurance from the same company as your auto insurance — could save you money on all your policies.
  • Safe driver: A clean driving record can help you avoid surcharges for accidents or tickets, and it might also qualify you for a discount.
  • Good student: If you are a full-time student under 25 who has a B or better average, or if you insure a student who meets these criteria, you might qualify for a good student discount.
  • Multi-vehicle: Insuring all your household vehicles with the same company often saves you money through a multi-car discount.

Discounts vary by company, so talking to a licensed agent is often the best way to identify savings opportunities.

Frequently asked questions

What is the best car insurance company in Fort Wayne?

The best car insurance company in Fort Wayne will be different for every driver. While Pekin, Grange, USAA and Westfield are among the top companies based on our analysis, the best company for you could be different. Understanding your needs and getting quotes from several companies can be a good way to find the right carrier for your situation.

How much does car insurance in Fort Wayne cost?

The average cost of car insurance in Fort Wayne is $399 annually for minimum coverage and $1,203 annually for full coverage. But keep in mind that insurance prices are personalized. Your rates could be higher or lower based on factors like your driving history, the type of car you drive and the coverages you choose.

What happens if I do not have car insurance in Fort Wayne?

Car insurance is legally required if you own a vehicle in Indiana, unless you satisfy the state’s financial responsibility law with a bond, deposit or certificate of self-insurance. Driving without insurance in Indiana can lead to fines and license suspension. If you cause an accident without insurance, you will be responsible for paying for the damages and injuries you cause out of pocket.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.