Who Has Cheap Car Insurance Quotes for Drivers with Accidents in Fort Wayne?

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.

How much is auto insurance in Fort Wayne, IN?
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.

Cheapest Vehicles to Insure in Fort Wayne, IN
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.

Top 15 Car Insurance Companies for Drivers with Accidents in Indiana
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

Save on car insurance for drivers with at-fault accidents in Fort WayneInsurers 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.

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.