The vehicle driven is one of the biggest factors in finding economical auto insurance for uninsured drivers. Vehicles with higher performance characteristics, poor passenger safety features, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models. The next list features coverage prices for some of the most cost-effective vehicles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,067|
|Toyota RAV4 2WD||$1,102|
|Ford Explorer Eddie Bauer 4WD||$1,124|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,142|
|Ford Escape XLT 2WD||$1,144|
|Volkswagen Jetta S 2.5 Station Wagon||$1,157|
|Toyota Corolla S||$1,159|
|Ford Fusion SE 4-Dr Sedan||$1,181|
|Chevrolet Silverado 3500HD LTZ Crew Cab 2WD||$1,223|
|Honda Accord EX 2-Dr Coupe||$1,240|
|Kia Optima EX||$1,262|
|Chevrolet Silverado LS Extended Cab 4WD||$1,269|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,262|
|Chevrolet Impala LT||$1,267|
|Ford F-150 XL Crew Cab 2WD||$1,282|
|Hyundai Elantra Blue 4-Dr Sedan||$1,306|
|Ford Edge Limited 2WD||$1,326|
|Toyota Tacoma 2WD||$1,333|
|Chevrolet Silverado 2500HD LT Crew Cab Diesel 2WD||$1,341|
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can revise coverage rates significantly.
Looking at the rates, you can conclude that makes and models like the Toyota Prius, Honda CR-V, Toyota RAV4, and Ford Explorer should be some of the more affordable vehicles to insure for drivers with no prior coverage.
For drivers with no prior coverage, one of the big components that are used to help calculate the cost of insurance is where your car is garaged. Regions with more people or even just more weather-related claims tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.
The table below shows the highest-priced places in Indiana for uninsured drivers to buy an auto insurance policy in. Fort Wayne is ranked #15 with a yearly premium of $976 for the average insured, which is approximately $81 monthly.
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Rates are comparative as the specific zip code location can impact auto insurance rates significantly.
Trying to find cost effective car insurance is challenging, and deciding which companies have the lowest-priced auto insurance rates for uninsured drivers requires even more diligence. Each company has a proprietary formula for setting rates, so let’s begin by taking a look at the auto insurance companies that tend to have lower prices in Indiana.
We do need to point out that Indiana auto insurance rates are determined by lots of factors which can substantially change your annual premium. Price variation is why it is critical to spend some time comparing rates when trying to get the cheapest insurance rates for uninsured drivers. Auto insurance prices are calculated by many different factors and change substantially, so the most economical company the last time you checked may now be quite expensive.
Find the Cheapest Auto Insurance in Indiana
|Rank||Company||Cost Per Year|
|6||Indiana Farmers Mutual||$849|
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Travelers may have some of the most affordable car insurance rates in Fort Wayne at around $596 a year. This is $644 less than the average rate paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve would also be considered some of the lowest-priced Fort Wayne, IN car insurance companies.
As the rates illustrate above, if you currently buy coverage from Erie and switched to Travelers, you might see yearly savings of in the vicinity of $109. Drivers with Western Reserve might save as much as $242 a year, and Indiana Farmers Mutual insureds might reduce rates by $253 a year.
If you would like to find cheaper car insurance rates, click here to get quotes or visit any of the low-priced companies below.
Understand that those rates are averages for all drivers and vehicles and and are not figured with a specific location for uninsured drivers. So the company that is best for you may not even be in the list above. That emphasizes why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
Cautious Fort Wayne drivers save money
The best way to enjoy low auto insurance prices for drivers with no prior coverage is to drive attentively and not have accidents or get tickets. The example below shows how violations and accident claims can affect insurance rates for different age categories. The premiums assume a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
The data charted above shows the average cost of auto insurance in Fort Wayne per year with no violations or accidents is $1,091. Get written up for two speeding tickets and the average cost hikes up to $1,499, an increase of $408 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for uninsured drivers increases to an average of $3,127. That’s an increase of $2,036, or $170 per month, just for not driving attentively!
Discount Fort Wayne insurance rates
Insurance companies that sell policies for uninsured drivers may have special discounts that could potentially reduce rates by as much as 35% or more if you meet specific criteria. Larger auto insurance companies and some of the discounts are included below.
- State Farm includes discounts for passive restraint, Drive Safe & Save, multiple autos, good student, and accident-free.
- Esurance may have discounts that include anti-theft, homeowner, anti-lock brakes, Pac-12 alumni, DriveSense, safety device, and Switch & Save.
- Progressive may include discounts for multi-policy, good student, multi-vehicle, continuous coverage, homeowner, and online signing.
- Liberty Mutual has discounts for newly retired, teen driver discount, newly married, good student, new graduate, multi-car, and new move discount.
- Auto-Owners Insurance policyholders can earn discounts including student away at school, multiple vehicles, multi-policy, good student, and group or association.
- GEICO offers discounts including membership and employees, air bags, emergency military deployment, driver training, and federal employee.
The example below illustrates the comparison of insurance costs with and without discounts applied to the rates. Data assumes a female driver, no claims, a clean driving record, Indiana state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple vehicle, multiple policy, anti-theft, vehicle safety, marriage, and passive restraint discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on auto insurance for uninsured drivers is 28% or $421.
Chances are good that you’re overpaying for Fort Wayne car insurance
Fort Wayne, IN auto insurance rates are determined by lots of factors which can substantially change your annual premium. Improving your credit score, having a teen driver, or getting a couple of tickets can trigger changes in premium that may make certain companies more affordable than before.
In addition, insurers modify rates without warning in order to remain profitable. Higher than normal claim frequency or severity can cause higher priced premiums, while long-term profits may cause cheaper Fort Wayne car insurance rates.
The data below shows which companies have the cheapest car insurance in Fort Wayne, IN for a 30-year-old male driver with a clean driving record, no accidents, and good financial standing. If we look at prices based on his current risk profile, Travelers offers the cheapest car insurance rates in Fort Wayne at $673 a year. This is $567 less than the average price paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve round out the rest of the best Fort Wayne, IN auto insurance companies.
Now let’s give the driver from the first rate comparison a couple of claims, slightly worse credit, and an imperfect driving record. Due to the fact that every auto insurer uses their own method for determining rates, getting updated rate quotes could now result in a new list of affordable Fort Wayne car insurance companies as shown below.
Auto-Owners now has the cheapest insurance rate in Fort Wayne, IN with The Hartford, Cincinnati Insurance, USAA, and Motorists Mutual also having competitive pricing. This example shows why it is critical to compare rates to get the cheapest insurance quotes for uninsured drivers.
Auto insurance prices are calculated by many different factors and change substantially, so the most affordable company the last time you compared rates may now be priced much higher than other options.
Ideas to find budget-friendly auto insurance for uninsured drivers
The list below summarizes a few thrifty suggestions that can help Fort Wayne drivers quote lower-cost auto insurance.
- Insure your home and auto with the same company
- Being accident-free can lower rates significantly
- Try to remain claim-free
- Raise comprehensive and collision coverage deductibles
- Pay lower rates with good credit
- Avoid getting tickets or violations
- Shop around for lower rates once a year
The last tip in the list is certainly significant, as we stressed in this article. Auto insurance prices can change considerably based on profitability, so drivers shouldn’t hesitate to switch to a new company if you find a cheaper price.
Brand loyalty is great, but it’s not recommended if that devotion results in you overpaying a considerable chunk of change every month. Spend a few minutes and compare prices and find cheaper insurance for uninsured drivers in Fort Wayne.
If you would rather get some help when comparing insurance rates for uninsured drivers, the agencies below can probably aid you in deciding which car insurance policy is best.
To find an agent nearest to you, click the link at the bottom or click here to compare price quotes.
Jackson Insurance Agency
809 S Calhoun St #308 – Fort Wayne, IN 46802 – (260) 434-0352
Scott Robinson – State Farm Insurance Agent
4705 Illinois Rd Ste 100 – Fort Wayne, IN 46804 – (260) 744-3218
Stoller-Dunham Insurance Agency
6058 E State Blvd – Fort Wayne, IN 46815 – (260) 749-4970