Establishing which company has the cheapest car insurance rates for drivers with a DUI will involve a bit more effort than just comparing rates from one or two companies.
Each insurance company has a different process for filing rates in each state, so let’s take a look at the car insurance companies that tend to be cheaper in Fort Wayne. It’s important to know that Indiana car insurance rates are determined by lots of factors that will increase or decrease the cost of coverage. Improving your credit score, buying a home, or getting a driving violation can trigger changes in premium that can make some companies more affordable than the competition.
Find Cheaper Auto Insurance after a DUI
Travelers normally has some of the most affordable car insurance rates in Fort Wayne at around $620 a year. Cincinnati Insurance, USAA, Erie, and Western Reserve also rank well as some of the cheaper Fort Wayne, IN auto insurance companies.
As the example above demonstrates, if you are a customer of Erie and switched to Cincinnati Insurance, you could see annual savings of in the vicinity of $62. Insureds with Western Reserve might save as much as $174 a year, and The Hartford policyholders might lower prices by $199 a year.
These policy prices are averaged for all drivers and vehicles and do not take into consideration a specific location for drivers with a DUI. So the auto insurance company that has the cheapest rates for you may not even be in the top 36 companies shown above. That is why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
One of the many considerations that are looked at to determine the cost of insurance is where your car is garaged in Fort Wayne. Areas with more people or more claims tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.
The information below sorts the highest-priced areas in Indiana for drivers with a DUI to buy car insurance in. Fort Wayne is ranked at #16 with an annual rate of $976 for the average policyholder, which is about $81 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Gary | $1,360 |
| 2 | Hammond | $1,314 |
| 3 | Merrillville | $1,106 |
| 4 | Portage | $1,104 |
| 5 | Lawrence | $1,099 |
| 6 | Indianapolis | $1,092 |
| 7 | Evansville | $1,087 |
| 8 | New Albany | $1,059 |
| 9 | Jeffersonville | $1,048 |
| 10 | Terre Haute | $1,035 |
| 11 | Anderson | $1,031 |
| 12 | Kokomo | $1,011 |
| 13 | Bloomington | $988 |
| 14 | Elkhart | $985 |
| 15 | Columbus | $984 |
| 16 | Fort Wayne | $976 |
| 17 | Mishawaka | $974 |
| 18 | Fishers | $974 |
| 19 | Richmond | $973 |
| 20 | Muncie | $965 |
| Find the Best Rates Go | ||
Prices are estimated as the specific garaging location can alter auto insurance rates substantially.
The make and model of vehicle you are seeking coverage for is a significant factor when quoting economical auto insurance for drivers with a DUI. Vehicles with limited top-end speed, a great safety record, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models.
The list below estimates coverage costs for a handful of the cheaper automobiles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,391 |
| Ford Escape XLS 2WD | $1,457 |
| Toyota RAV4 2WD | $1,487 |
| Toyota Camry LE | $1,493 |
| Honda CR-V EX 4WD | $1,491 |
| Honda Accord EX-L 4-Dr Sedan | $1,506 |
| Dodge Grand Caravan Crew | $1,514 |
| Ford F-150 XLT Regular Cab 2WD | $1,521 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,527 |
| Ford Explorer XLT 4WD | $1,553 |
| Ford Edge Sport 2WD | $1,567 |
| Chevrolet Silverado LT Regular Cab | $1,593 |
| Toyota Corolla XRS | $1,595 |
| Honda Odyssey Touring | $1,601 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,595 |
| Find Cheaper Rates Go | |
Data variables include single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in specific Fort Wayne, IN garaging location which can modify premium rates greatly.
Looking at the data, you can see that cars like the Toyota Prius, Ford Escape, Toyota RAV4, and Toyota Camry are most likely going to be the cheaper vehicles to insure after getting a DUI. Prices will be more costly because there is more risk for drivers with a DUI, but in general those vehicles will tend to have the best rates compared to other types of vehicles.
Indiana car insurance companies ranked
Insuring your vehicle with the highest-rated car insurance company can be rather challenging considering how many different companies sell coverage in Fort Wayne. The information in the lists below can help you pick which auto insurers you want to consider when looking for cheaper rates. The rankings below are only comprised of the companies with a significant amount of written premium nationwide, so smaller regional companies are not included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Car insurance rates are higher with tickets and accidents
One of the best ways to earn the best car insurance premiums in Indiana after getting a DUI is to drive attentively and avoid tickets and accidents. The example below demonstrates how traffic citations and at-fault collisions can drive up annual premium costs for different age groups of insureds. The information is based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
The data above shows the average cost of a car insurance policy per year with no accidents or violations is $1,221. Receive one speeding ticket and the average cost swells to $1,384, an increase of $163 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of car insurance for drivers with a DUI increases to an average of $1,838. That’s an increase of $617, or $51 per month, just for being a careless driver!
How to find budget-friendly auto insurance for drivers with a DUI
Here are a few money-saving ideas that can help Fort Wayne drivers buy low-cost coverage.
- Bundle home and auto and save
- Increase physical damage deductibles
- Buy vehicles with good safety ratings
- Improve your credit rating
- Drop full coverage on older vehicles
- Earn discounts for being claim-free
- Compare prices as often as possible
The last tip is extraordinarily significant, as was stressed in this article. Auto insurance prices in Fort Wayne can change in a short period of time, so don’t be tentative to switch companies if a lower-cost policy is available. Having brand loyalty is commendable, but is isn’t recommended if that loyalty results in overpaying money that could be going to better use. Take a couple minutes and compare rates to find cheaper insurance for drivers with a DUI.
The auto insurance agents in Fort Wayne shown below can most likely help you determine which coverages and limits you need, as some drivers aren’t sure which coverage they need and prefer to get some guidance when shopping around for cheaper insurance for drivers with a DUI. It can be difficult to do it yourself, and a professional agent can provide you comfort knowing you have decent coverage if you have a claim. To locate a Fort Wayne insurance agent close to where you live, click the button after the list.
Sourceone Group
6628 Constitution Dr – Fort Wayne, IN 46804 – (260) 436-3544
The DeHayes Group
5150 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 424-5600
Allstate Insurance: Justin Harkelroad
8812 Coldwater Rd – Fort Wayne, IN 46825 – (260) 489-0156