How Much is Auto Insurance for State Employees in Fort Wayne?

One of the many components that help determine the price you pay for insurance is where you call home in Fort Wayne. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas less populated areas have the benefit of cheaper auto insurance prices.

The information below ranks the most costly cities in Indiana for state employees to buy an auto insurance policy in. Fort Wayne is ranked at #21 with an annual rate of $947 for the average insurance policy, which is approximately $79 per month.

How much does car insurance cost in Fort Wayne, IN?
Rank City Annual Rate
1 Gary $1,401
2 Hammond $1,275
3 Merrillville $1,128
4 Portage $1,126
5 Indianapolis $1,082
6 Jeffersonville $1,080
7 Evansville $1,077
8 Lawrence $1,055
9 Terre Haute $1,045
10 New Albany $1,028
11 Anderson $1,011
12 Kokomo $1,001
13 Bloomington $998
14 South Bend $985
15 Columbus $975
16 Richmond $973
17 Elkhart $965
18 Noblesville $958
19 Fishers $954
20 Carmel $947
21 Fort Wayne $947
22 Greenwood $941
23 Muncie $937
24 Mishawaka $936
25 Lafayette $917
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Annual rates are estimated as the garaging address in Fort Wayne can increase or decrease prices substantially.

The vehicle model you are seeking coverage for is a significant factor when trying to find the cheapest auto insurance for state employees. Vehicles with reasonable performance levels, modern passenger safety features, or a low likelihood of liability claims will cost substantially less to insure than high performance models. The information below shows car insurance costs for a handful of the most cost-effective automobiles to buy insurance for.

Cheapest Vehicles to Insure in Fort Wayne, IN
Make and Model Estimated Cost for Full Coverage
Dodge Grand Caravan CV $967
Toyota Camry LE $1,020
Hyundai Elantra SE 4-Dr Sedan $1,072
Ford Escape Limited 4WD $1,080
Chevrolet Impala LTZ $1,072
Honda CR-V EX-L 4WD $1,081
Ford Edge SE 2WD $1,087
Hyundai Sonata GLS 4-Dr Sedan $1,091
Toyota Prius $1,093
Ford F-150 XL Regular Cab 4WD $1,110
GMC Sierra 3500HD SLT Extended Cab 2WD $1,112
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,129
Ford F-350 XL Super Cab Turbo Diesel 2WD $1,131
Nissan Rogue SL AWD $1,144
Volkswagen Jetta S 2.5 Station Wagon $1,146
Toyota Camry Hybrid $1,165
Kia Optima EX $1,173
Chevrolet Equinox LT AWD $1,171
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,192
Ford Focus S 4-Dr Sedan $1,224
Toyota Corolla S $1,232
GMC Sierra SLE Regular Cab 2WD $1,249
Chevrolet Malibu Hybrid $1,254
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in specific Fort Wayne, IN garaging location which can revise auto insurance rates greatly.

Looking at the rates, models like the Dodge Grand Caravan, Toyota Camry, and Hyundai Elantra are likely to be the most affordable vehicles to insure for state workers.

Figuring out which companies offer the lowest-priced auto insurance rates for state employees will involve a little more work in order to find the most economical policy. Each auto insurer uses different criteria for determining rates, so let’s look at the rankings for the auto insurance companies with the overall cheapest rates in Fort Wayne.

Cheap Insurance Rates in Indiana

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Rankings for the cheapest car insurance companies in Indiana
Rank Company Cost Per Year
1 Travelers $620
2 Cincinnati Insurance $684
3 USAA $687
4 Erie $712
5 Western Reserve $838
6 Indiana Farmers Mutual $849
7 Auto-Owners $888
8 The Hartford $889
9 Nationwide $930
10 Utica National $956
11 State Farm $967
12 Hastings Mutual $983
13 Motorists Mutual $986
14 Safeco $1,013
15 Westfield $1,061
16 Farmers $1,064
17 Wolverine Mutual $1,072
18 State Auto $1,087
19 GEICO $1,089
20 Progressive $1,106
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Travelers may have some of the lowest car insurance rates in Fort Wayne at around $620 annually. This is $620 less than the average policy premium paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve also are some of the best Fort Wayne, IN auto insurance companies.

As illustrated above, if you are a customer of USAA and switched to Travelers, you might achieve a yearly savings of about $67. Policyholders with Erie might save as much as $92 a year, and Western Reserve customers might see rate reductions of $218 a year.

Be aware that those rates are averages across all drivers and vehicles and and are not figured with a specific vehicle garaging location for state employees. So the auto insurance company that is best suited for you may not even be in the top 36 companies in the list above. That point stresses why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

Liability-only versus full coverage

Reducing the cost of auto insurance is important to the majority of drivers, and a good way to find cheap insurance for state employees is to not pay for full coverage. The illustration below illustrates the difference between annual premium costs with full coverage and liability only. The costs are based on no claims or driving citations, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs an extra $2,160 per year more than just buying liability only. At some point, every insured wonders if buying full coverage is worth the expense. There is no definitive guideline that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

There are some cases where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in case of an accident, you should maintain full coverage.

Picking the best auto insurance company can be rather challenging considering how many choices drivers have in Fort Wayne. The ranking data displayed below could help you pick which auto insurers to look at purchasing from. These rankings include large, nationwide insurance companies, so companies that may only write in Indiana are not factored into the list.

Top 10 Major Auto Insurance Companies in Fort Wayne Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

Top 10 Major Auto Insurance Companies in Fort Wayne Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. State Farm
  6. Liberty Mutual
  7. Safeco Insurance
  8. Allstate
  9. 21st Century
  10. Travelers

Safe drivers pay cheaper rates

The easiest way to receive the most affordable auto insurance premiums in Indiana for state workers is to drive cautiously and avoid traffic citations and accidents. The illustration below demonstrates how traffic citations and accident claims drive up insurance premiums for different insured age categories. The data is based on a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

In the previous example, the average cost of an auto insurance policy per year with no violations or accidents is $1,405. Add in two speeding tickets and the average cost jumps to $1,884, an increase of $479 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for state employees goes up to an average of $3,647. That’s an increase of $2,242, or $187 per month, just for being a less-than-perfect driver!

The importance of shopping around

Fort Wayne auto insurance rates are determined by lots of factors that can increase the price you pay. Simply getting older, filing a claim, or getting a DUI may cause policy rate changes that can cause some rates to be cheaper than others.

Additionally, insurers file new Indiana auto insurance rates as often as every quarter in order to maintain liquidity for claims. A period of increased losses may result in more expensive prices, while a profitable period can produce cheaper Fort Wayne car insurance rates.

As an example, the chart below analyzes the cheapest car insurance in Fort Wayne, IN for a 45-year-old male driver with no prior claims, no tickets, and solid credit. If we estimate prices based on his personal risk profile, Travelers quotes the cheapest car insurance rates in Fort Wayne at $628 a year. This is $612 less than the average premium paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Western Reserve are the rest of the best Fort Wayne, IN auto insurance companies.

In this example, we will give the driver from the first rate comparison a claim surcharge, a lower credit rating, and a couple of points charged on his driving record. Due to the fact that each insurance company has a proprietary formula to set their prices, comparing insurance quotes may now result in a different set of the cheapest Fort Wayne car insurance companies as shown below.

Indiana Farmers Mutual now has the best car insurance rate in Fort Wayne, IN with Auto-Owners, Cincinnati Insurance, State Farm, and Nationwide now rounding out the top five. This shows why Fort Wayne drivers need to take the time to shop around to find the best insurance rates for state employees.

Prices are influenced by many things and can decrease or increase without notice, so the most economical company the last time you shopped your coverage around may now be one of the higher cost companies.