The words “affordable” and “insurance” really don’t belong together, specifically when you are shopping around for the best car insurance for drivers with accidents. Because of the high cost, let’s open your eyes to some of the things that have an impact on car insurance premiums, and find some ways to take the sting out of the next policy you buy.
For drivers with at-fault accidents, one of the largest factors that help determine the annual cost of car insurance is where your car is garaged in Fort Wayne. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas with less crime or weather claims profit from lower rates.
The next table shows the highest-priced places in Indiana for drivers with accidents in which to buy car insurance. Fort Wayne comes in at #18 having an annual price of $956 for the average insured, which is about $80 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Gary | $1,347 |
| 2 | Hammond | $1,288 |
| 3 | Portage | $1,137 |
| 4 | Merrillville | $1,128 |
| 5 | Lawrence | $1,099 |
| 6 | Evansville | $1,087 |
| 7 | Indianapolis | $1,082 |
| 8 | Jeffersonville | $1,080 |
| 9 | Terre Haute | $1,045 |
| 10 | New Albany | $1,039 |
| 11 | Anderson | $1,031 |
| 12 | Kokomo | $1,011 |
| 13 | Bloomington | $998 |
| 14 | South Bend | $985 |
| 15 | Fishers | $974 |
| 16 | Greenwood | $969 |
| 17 | Elkhart | $965 |
| 18 | Fort Wayne | $956 |
| 19 | Columbus | $955 |
| 20 | Mishawaka | $936 |
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Table data uses estimated as specific Fort Wayne zip code can change price quotes considerably.
The car, truck, or SUV to be insured is one of the largest considerations when comparison shopping for cheap car insurance for drivers with accidents. Vehicles with lots of speed or power, poor safety features, or an increased likelihood of liability claims will cost significantly more to insure than safer models.
The table below showcases car insurance prices for the most economical automobiles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $2,129 |
| Honda CR-V EX 4WD | $2,254 |
| Ford Explorer XLT AWD | $2,388 |
| Ford Escape Limited 4WD | $2,425 |
| Toyota Prius | $2,459 |
| Ford Edge SE 2WD | $2,465 |
| Chevrolet Equinox LS AWD | $2,520 |
| Dodge Grand Caravan CV | $2,546 |
| Ford F-350 XL Super Cab 2WD | $2,574 |
| Volkswagen Jetta 2.0T Station Wagon | $2,588 |
| Chevrolet Malibu Hybrid | $2,635 |
| Toyota RAV4 2WD | $2,645 |
| Toyota Tacoma Double Cab 4WD | $2,635 |
| Ford Focus S 4-Dr Sedan | $2,642 |
| Ford Fusion S 4-Dr Sedan | $2,676 |
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Premium data assumes single male driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Price information does not factor in vehicle location which can revise auto insurance rates significantly.
Based upon the rates shown, you can assume that cars like the Honda Accord, Honda CR-V, Ford Explorer, and Ford Escape are going to be a few of the most budget-friendly vehicles to insure for drivers with at-fault accidents. The price of auto insurance will tend to be more expensive because there is more exposure for drivers with accidents, but generally speaking those vehicles will probably have the best insurance prices available.
The diagram below shows how choosing a deductible can change premium costs when quoting cheap insurance for drivers with accidents. Data assumes a single female driver, full physical damage coverage, and no discounts are taken into consideration.
A 40-year-old driver could save $222 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $334 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 category, could roll back prices up to $566 or even more by using a higher deductible. If you do raise deductibles, it will be required to have emergency funds available to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Finding a good quality car insurance provider can be a challenge considering how many companies sell coverage in Indiana. The information displayed below could help you choose which car insurance providers to look at when shopping car insurance rates for drivers with accidents.
These ratings include large, nationwide insurance companies, so smaller companies that only insure vehicles in Indiana are not included in this list. To get price quotes from many more Indiana auto insurance companies, click this link.
| 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 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Fort Wayne car insurance rates
Insurers that sell policies for drivers with accidents may also offer special discounts that could reduce prices by 40% or more if you qualify. The best car insurance companies and a partial list of their discounts can be found below.
- 21st Century offers discounts for defensive driver, driver training, early bird, teen driver, theft prevention, and 55 and older.
- State Farm may offer discounts for safe vehicle, driver’s education, Steer Clear safe driver discount, defensive driving training, good driver, good student, and Drive Safe & Save.
- AAA may include discounts for education and occupation, good student, anti-theft, multi-car, and AAA membership discount.
- Liberty Mutual has savings for hybrid vehicle, exclusive group savings, new vehicle discount, newly married, and preferred payment discount.
- Progressive has discounts for online signing, homeowner, multi-policy, multi-vehicle, and good student.
The information below illustrates the comparison of yearly insurance costs with and without discounts applied to the rates. The costs are based on a female driver, no traffic citations and two accidents, Indiana state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, multiple vehicle, paperless filing, continuous coverage, vehicle safety, and anti-theft discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for drivers with accidents is 28% or $984.