Who Has Affordable Car Insurance for Felons in Fort Wayne?

The words “bargain” and “insurance” really shouldn’t be used together, especially when comparison shopping for the lowest insurance rates for felons. Because of the high cost, let’s open your eyes to a few of the things that can significantly affect insurance prices, and figure out some ways to cut the cost of the next policy you buy.

Finding dependable, affordable auto insurance is not easy, and deciding which company offers the best auto insurance rates for felons takes even more work. Every insurance provider has a unique approach to determine rates, so let’s take a look at the auto insurance companies with the overall best prices in Fort Wayne, IN.

It’s important to understand that Fort Wayne, IN auto insurance rates are influenced by many factors which can substantially change the price you have to pay. Price variation is why consumers need to spend some time comparing rates to get the best insurance rates for felons. Auto insurance prices consist of many things and change dramatically, so the cheapest rate when you bought your policy may now be an over-priced policy.

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Travelers has some of the cheapest car insurance rates in Fort Wayne at around $614 annually. This is $626 less than the average price paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Indiana Farmers Mutual also qualify as some of the most economical Fort Wayne, IN car insurance companies.

As depicted above, if you have coverage with USAA and switched to Travelers, you might realize yearly savings of roughly $67. Policyholders with Cincinnati Insurance could save as much as $70 a year, and Erie insureds might lower prices by up to $119 a year.

If you want to find out if you’re overpaying, click here to start a quote or click through to the companies below.

Remember that these policy prices are averaged for all insureds and vehicles and do not take into consideration a specific zip code for felons. So the auto insurance company that fits your age and vehicle best may not even be in the top 36 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own driver data and vehicle information.

For felons, one of the big criteria that determine the amount you pay each year for auto insurance is where you keep your car. Areas with more people or more claims tend to pay more, whereas more rural areas benefit from lower rates.

The next table rates the most expensive cities in Indiana for felons in which to purchase auto insurance. Fort Wayne shows up at #20 with a yearly cost of $956 for the average policy, which is approximately $80 monthly.

Car insurance prices in Fort Wayne
Rank City Average Per Year
1 Gary $1,360
2 Hammond $1,327
3 Merrillville $1,139
4 Portage $1,137
5 Indianapolis $1,092
6 Lawrence $1,088
7 Evansville $1,077
8 Terre Haute $1,077
9 Jeffersonville $1,070
10 New Albany $1,070
11 Anderson $1,031
12 Kokomo $1,011
13 Elkhart $995
14 Bloomington $988
15 Richmond $973
16 Muncie $965
17 Greenwood $960
18 Carmel $957
19 South Bend $956
20 Fort Wayne $956
21 Columbus $955
22 Noblesville $948
23 Fishers $945
24 Mishawaka $936
25 Lafayette $899
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Premium amounts are comparative as the specific garaging location can decrease or increase rates noticeably.

The make and model of vehicle that is being insured is one of the primary factors in finding cheap auto insurance for felons. Vehicles with limited top-end speed, a great safety record, or a low likelihood of liability claims will cost less to insure than high performance models. The list below shows coverage premiums for a handful of the most affordable vehicles to insure.

Cheapest Vehicles to Insure in Fort Wayne, IN
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLS 4WD $878
Honda CR-V EX 4WD $898
Honda Odyssey EX W/Rear Entertainment $1,021
Toyota RAV4 Limited 4WD $1,040
Honda Accord LX 4-Dr Sedan $1,076
Toyota Prius $1,112
GMC Sierra 2500HD SLE Regular Cab 4WD $1,121
Ford F-150 Lariat Crew Cab Harley 2WD $1,112
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,148
Ford Edge SEL AWD $1,168
Chevrolet Silverado LS Regular Cab 4WD $1,180
Toyota Camry Hybrid $1,187
Hyundai Sonata Limited 4-Dr Sedan $1,196
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in specific location information which can alter auto insurance rates significantly.

Based upon the rates shown, you can infer that models like the Ford Escape, Honda CR-V, Honda Odyssey, Toyota RAV4, and Honda Accord are going to be a few of the cheaper vehicles to insure for felons.

Driving violations and accidents

The easiest method to find low auto insurance premiums for felons is to be a good driver and avoid accidents and traffic citations. The chart below illustrates how speeding tickets and at-fault accidents can drive up insurance costs for different age groups of insureds. The premium estimates are based on a married female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of an auto insurance policy in Indiana per year with no violations or accidents is $1,547. Add in two speeding tickets and the average cost hikes up to $2,200, an increase of $653 each year. Then add in two accidents along with the two speeding tickets and the annual cost of auto insurance for felons goes up to an average of $4,596. That’s an increase of $3,049, or $254 per month, just for not driving responsibly!

The diagram below demonstrates how choosing different deductibles can change premium costs when researching cheap insurance for felons. Data assumes a single female driver, comp and collision included, and no other discounts are factored in.

A 40-year-old driver could cut expenses by $300 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $454 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could roll back prices up to $772 every year just by choosing higher deductibles when buying full coverage.

If you do raise deductibles, it’s a good idea to have plenty of money set aside to allow you to cover the extra out-of-pocket expense that comes with higher deductibles.

Get discount Fort Wayne auto insurance rates

Save on auto insurance for felons in Fort WayneCar insurance companies that provide coverage for felons may also offer discounts that can lower rates by as much as 30% if you meet eligibility requirements. A list of auto insurance companies and a selection of discounts can be found below.

The illustration below compares insurance premiums with and without discounts applied to the policy rates. Data assumes a female driver, no claims, a clean driving record, Indiana state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, safe-driver, anti-theft, passive restraint, homeowner, and multiple policy discounts applied. When these discounts are applied to the policy premium, theamount saved on auto insurance for felons is 27% or $386.

How to find more affordable auto insurance for felons

Here are many thrifty solutions that can help you get more affordable auto insurance.

The last item on the list is especially crucial, as we hit on in the prior article. Prices can change significantly in a year, so don’t be unwilling to change insurance companies if a better rate can be found. Staying with the same company for years is fine, but it’s not recommended if that devotion results in you overpaying big bucks every year. If you have a few minutes, compare rates and find cheaper insurance for felons in Fort Wayne.

The insurance agencies listed below can help you make a decision which policy fits your needs best, since some drivers aren’t sure which coverage they need and prefer to have some advice when shopping around for cheaper insurance for felons. It can be challenging to find the best policy yourself, and getting advice from a licensed Indiana insurance agent can give peace of mind knowing you have enough protection.

To locate a Fort Wayne auto insurance agent by location nearest to you, click the link after the list.

View map of Fort Wayne, IN insurance agents