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.
| 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
| 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
Auto 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:
- State Farm may offer discounts for accident-free, good student, good driver, student away at school, and multiple policy.
- Progressive may include discounts for multi-vehicle, homeowner, continuous coverage, online quote discount, and good student.
- Travelers includes discounts for new car, save driver, driver training, hybrid/electric vehicle, and early quote.
- American Family offers discounts including early bird, accident-free, multi-vehicle, air bags, good driver, Steer into Savings, and mySafetyValet.
- Liberty Mutual offers premium reductions for multi-policy, good student, new move discount, newly retired, exclusive group savings, and new vehicle discount.
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.
- On older vehicles, drop full coverage
- Avoid accidents
- Higher credit ratings may save you money
- Buy your auto and home insurance from the same company and save
- Vehicles with good safety ratings are usually cheaper to insure
- Comparison shop frequently
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 A – Fort Wayne, IN 46825 – (260) 347-4722
Allstate Insurance: Rolly Bhargava
4660 W Jefferson Blvd Ste 100 – Fort Wayne, IN 46804 – (260) 459-7673
GMI Insurance
6110 Bluffton Rd #110 – Fort Wayne, IN 46809 – (260) 478-9405