Who Has Affordable Car Insurance for Government Employees in Fort Wayne?

One of the more important things that are looked at to determine the amount you pay each year for auto insurance is where you live. Areas with high crime rates or more dense population tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from having to pay less for coverage.

The following table shows the most costly cities in Indiana for government employees to buy auto insurance in. Fort Wayne is ranked at #21 having an annual price of $947 for coverage, which is about $79 monthly.

How much does auto insurance cost in Fort Wayne?
Rank City Annual Rate
1 Gary $1,401
2 Hammond $1,288
3 Merrillville $1,106
4 Portage $1,093
5 Lawrence $1,088
6 Indianapolis $1,082
7 Evansville $1,055
8 Kokomo $1,041
9 Jeffersonville $1,038
10 Terre Haute $1,035
11 Anderson $1,031
12 New Albany $1,028
13 Elkhart $995
14 South Bend $976
15 Muncie $965
16 Richmond $964
17 Greenwood $960
18 Bloomington $958
19 Carmel $957
20 Fishers $954
21 Fort Wayne $947
22 Columbus $946
23 Mishawaka $936
24 Noblesville $920
25 Lafayette $917
Find Cheaper Rates Go

Rate quotes are comparative as the garaging address in Fort Wayne can increase or decrease prices considerably.

Determining which companies have the lowest-priced auto insurance rates for government employees involves a little more effort in order to find the best price.

Each auto insurer uses their own formula for determining rates, so we’ll take a look at the overall cheapest auto insurance companies in Fort Wayne, IN. It’s a good idea to be aware that Fort Wayne auto insurance rates are impacted by many things that may substantially change the price you have to pay for coverage. Getting older, having a teenage driver, or getting a DUI can cause premium changes that may make certain companies cheaper than before.

Lowest Insurance Price Quotes in Indiana

Click to Compare Rates Now

Cheapest insurance companies in Indiana
Rank Company Cost Per Year
1 Travelers $596
2 Cincinnati Insurance $678
3 USAA $681
4 Erie $733
5 Indiana Farmers Mutual $841
6 The Hartford $863
7 Western Reserve $864
8 Auto-Owners $915
9 State Farm $967
10 Nationwide $968
11 Hastings Mutual $983
12 Utica National $995
13 Motorists Mutual $996
14 Safeco $1,003
15 Farmers $1,022
16 Westfield $1,061
17 Wolverine Mutual $1,072
18 GEICO $1,089
19 Progressive $1,128
20 State Auto $1,131
View More Rates Go

Travelers generally has some of the best car insurance rates in Fort Wayne at around $596 annually. This is $644 less than the average premium paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual would also make the list of some of the best Fort Wayne, IN auto insurance companies.

In the above rates, if you are a customer of Cincinnati Insurance and switched to Travelers, you could see yearly savings of in the neighborhood of $82. Customers with USAA could save as much as $85 a year, and Erie customers might reduce prices by as much as $137 a year.

Remember that these policy rates are averaged for all types of insureds and vehicles and and are not calculated with an exact location for government employees. So the auto insurance company that can offer you the best rate may not even be in the top 36 companies shown above. That illustrates why you need to compare rates from multiple companies using your own driver data and vehicle information.

Auto insurance rates are higher with tickets and accidents

In a perfect world, the best way to receive low auto insurance rates for state and federal workers is to drive safely and avoid accidents and traffic violations. The information below highlights how speeding tickets and at-fault collisions can raise insurance costs for different age groups of insureds. The data assumes a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

In the chart above, the average cost of car insurance per year with no violations or accidents is $1,184. Add in two speeding tickets and the average cost increases to $1,555, an increase of $371 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for government employees goes up to an average of $3,113. That’s an increase of $1,929, or $161 per month, just for not maintaining a clean driving record!

How to get discounts on Fort Wayne auto insurance

Save on auto insurance for state and federal workers in Fort WayneAuto insurance companies that provide policies for government employees may additionally offer rate discounts that can reduce rates by as much as 30% if you are eligible. The best auto insurance companies and some of their more popular discounts include:

The illustration below compares insurance rates with and without some available policy discounts. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, Indiana state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, claim-free, safe-driver, multiple vehicle, multiple policy, and passive restraint discounts applied. With discounts applied, the average amount saved each year on auto insurance for government employees is 28% or $494.

Tips for buying low-cost insurance for government employees

Lowering your rates is not difficult, and here are a few penny-pinching ideas that can help Indiana drivers quote cheaper coverage.

That last piece of advice is remarkably valuable, as we emphasized in the article above. Prices charged by auto insurers adjust often, so drivers shouldn’t be resistant to change insurance companies if you find a cheaper price. Many drivers prefer to stick with one company, but we do not recommend it if that loyalty results in overpaying big bucks every year. It takes less than five minutes to compare rates and find cheaper car insurance for government employees in Fort Wayne.

The auto insurance agents in Fort Wayne shown below are willing to provide answers to your questions and help you determine which coverages and limits you need, since some drivers have questions and prefer to get help from a professional when shopping for the best coverage for state and federal workers. It can be difficult to find the best policy on your own, and getting advice from a licensed Indiana insurance agent can provide peace of mind knowing your policy gives you adequate asset protection. To locate a Fort Wayne car insurance agency by location nearest to you, click the button following the list or click here to compare rates now.

Nationwide Insurance: Thompson Insurance and Financial Services Inc
10355 Dawsons Creek Blvd AFort Wayne, IN 46825(260) 347-4722

Allstate Insurance: Rolly Bhargava
4660 W Jefferson Blvd Ste 100Fort Wayne, IN 46804(260) 459-7673

GMI Insurance
6110 Bluffton Rd #110Fort Wayne, IN 46809(260) 478-9405

More insurance agents in Fort Wayne, IN