Car Insurance in Fort Wayne

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Driving in Fort Wayne, Indiana

Home to almost 268,000 residents. Fort Wayne is a popular place to raise a family, go to college and enjoy affordable housing prices. The average household in Fort Wayne, Indiana, has two cars. Those car owners typically commute about 21 minutes to work, so auto insurance in Fort Wayne is an essential investment for peace of mind. There are a few minimum requirements for policy features, but many drivers opt for full coverage as they commute along Interstate 69 or U.S. Route 27.

Known for its moderate climate, Fort Wayne typically offers residents temperatures between 19 degrees and 84 degrees. However, annual snowfall can make road conditions unsafe. The city sees an annual snowfall of about 33 inches. according to the National Weather Service.

In any season, drivers in Fort Wayne need to be cautious as they navigate the city streets or highways surrounding the northeastern Indiana city. While Fort Wayne has a public transportation system, over 80% of commuters chose to drive alone in 2021, according to Data USA. All those drivers can lead to traffic congestion during rush hour. From your daily commute to a road trip across northeast Indiana, be sure you give your car the protection it deserves.

Whether you live downtown or commute into the city, Fort Wayne offers many attractions and employment opportunities, but you need to drive to access them. Learn more about the important areas of coverage for auto insurance in Fort Wayne, the risks of driving in the city and how VIU by HUB can help you compare rates from leading insurers.

Average Cost of Car Insurance in Fort Wayne

Auto insurance rates vary across the nation and between individuals. Your specific rate will depend on many factors, including the following:

  • Your demographic information
  • The make, model and year of your vehicle
  • The type of coverage you're shopping for
  • Your driving and claims history

The average yearly cost of car insurance in Fort Wayne, Indiana, is $933. according to WalletHub. This rate is lower than the average cost throughout the state.

Your Auto Insurance Options in Fort Wayne

The state of Indiana has minimum coverage requirements that must be met by residents. Here are the minimum features that must be on your car insurance in Fort Wayne:

  • Bodily injury liability: You need at least $25,000 per person and at least $50,000 per accident.
  • Property damage liability: Your policy also must include at least $25,000 per accident.
  • Uninsured coverage: Unless you reject it in writing, you're required to have at least $50,000 per person in bodily injury and $25,000 per person in bodily injury for uninsured and underinsured motorists.

There are also additional layers of coverage you can add to prevent major expenses caused by traffic incidents. Consider including collision coverage to cover the cost of damages caused by an incident while you drive. Comprehensive coverage can cover the cost of damages that occur when you aren't driving, such as a falling tree limb or vandalism.

Shop for Car Insurance in Fort Wayne With VIU by HUB

Protect your ride as you commute around Fort Wayne with insurance that fits your driving habits. Thanks to VIU by HUB, you can easily compare insurance options and rates from top insurers. Shop today to compare Indiana's minimum insurance requirements and full coverage options from trusted providers.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


U.S. Census


Data USA


National Weather Service

Indiana Department of Insurance

Auto insurance in Indiana by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.