For single parents, one of the largest things that aid in calculating the price you pay for insurance is the neighborhood you call home in Fort Wayne. More densely populated places tend to pay slightly more, whereas less populated areas tend to receive slightly lower rates.
The table below rates the priciest cities in Indiana for single moms in which to buy car insurance. Fort Wayne makes the list at #19 costing $947 for the average policy, which is about $79 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Gary | $1,401 |
| 2 | Hammond | $1,327 |
| 3 | Portage | $1,104 |
| 4 | Lawrence | $1,099 |
| 5 | Merrillville | $1,095 |
| 6 | Evansville | $1,087 |
| 7 | Jeffersonville | $1,080 |
| 8 | New Albany | $1,070 |
| 9 | Terre Haute | $1,067 |
| 10 | Indianapolis | $1,060 |
| 11 | Kokomo | $1,041 |
| 12 | Anderson | $1,001 |
| 13 | Bloomington | $998 |
| 14 | Columbus | $975 |
| 15 | Greenwood | $969 |
| 16 | Elkhart | $965 |
| 17 | South Bend | $956 |
| 18 | Noblesville | $948 |
| 19 | Fort Wayne | $947 |
| 20 | Fishers | $945 |
| 21 | Richmond | $944 |
| 22 | Mishawaka | $936 |
| 23 | Muncie | $927 |
| 24 | Carmel | $919 |
| 25 | Lafayette | $899 |
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Annual rates are comparative as the specific Fort Wayne residence address can decrease or increase coverage prices considerably.
The car, truck, or SUV that is being insured is one of the biggest factors that determines the availability of economical car insurance for single moms. Vehicles with high performance engines, a lack of advanced safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models.
The information below illustrates auto insurance costs for a handful of the most budget-friendly vehicles to insure in Indiana.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $990 |
| Ford Explorer XLT 4WD | $1,005 |
| Honda Accord EX 4-Dr Sedan | $1,027 |
| Ford Escape XLS 2WD | $1,033 |
| Chevrolet Equinox LT 2WD | $1,061 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,066 |
| Toyota Tacoma Double Cab 4WD | $1,081 |
| Toyota Corolla LE | $1,117 |
| Honda CR-V EX-L 2WD | $1,126 |
| Ford F-150 XL Regular Cab 2WD | $1,134 |
| Jeep Grand Cherokee Limited 4WD | $1,136 |
| Chevrolet Malibu LTZ | $1,141 |
| GMC Sierra SLE Crew Cab 4WD | $1,136 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,145 |
| Nissan Rogue S 2WD | $1,139 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in Fort Wayne, IN location which can revise insurance rates significantly.
Looking at the numbers, you can figure that cars like the Toyota Prius, Ford Explorer, and Honda Accord will definitely be a few of the most affordable vehicles to insure for single parents.
Deciding which insurers offer the cheapest auto insurance rates for single moms calls for a tad more effort than just getting one or two price quotes. Every insurance company uses a different method to set premium rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Fort Wayne.
Lowest Insurance Price Quotes for Single Moms
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $614 |
| 2 | Cincinnati Insurance | $664 |
| 3 | USAA | $667 |
| 4 | Erie | $705 |
| 5 | Western Reserve | $838 |
| 6 | Indiana Farmers Mutual | $841 |
| 7 | The Hartford | $863 |
| 8 | Auto-Owners | $915 |
| 9 | Nationwide | $930 |
| 10 | Utica National | $956 |
| 11 | Hastings Mutual | $973 |
| 12 | Safeco | $983 |
| 13 | Motorists Mutual | $986 |
| 14 | State Farm | $987 |
| 15 | Farmers | $1,022 |
| 16 | Westfield | $1,061 |
| 17 | State Auto | $1,087 |
| 18 | Wolverine Mutual | $1,094 |
| 19 | Progressive | $1,095 |
| 20 | GEICO | $1,122 |
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Travelers has some of the best car insurance rates in Fort Wayne at around $614 per year. Cincinnati Insurance, USAA, Erie, and Western Reserve also make the cut as some of the more affordable Fort Wayne, IN auto insurance companies.
In the above rates, if you are a customer of Western Reserve and switched to Cincinnati Insurance, you may see a yearly savings of roughly $174. Policyholders with Indiana Farmers Mutual could save as much as $177 a year, and The Hartford insureds might cut rates by $199 a year.
To get a quick, customized rate comparison, click here to start a quote or click through to the companies below.
Remember that these prices are averages across all types of insureds and vehicles and do not factor in an exact location for single moms. So the auto insurance company that is most affordable for your situation may not even be in the top 36 companies shown above. That helps illustrate why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
Selecting the best insurance provider can be challenging considering how many companies there are to choose from in Indiana. The company ratings in the lists below can help you choose which companies to look at purchasing from.
The rankings below are only made up of companies with a national presence, so companies that focus mainly on Indiana business will not be included in these rankings. To compare prices from these and other competitive companies, click this link.
Top 10 Large Auto Insurance Providers in Fort Wayne Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
- Allstate
Full coverage rates vs. liability-only in Fort Wayne
Reducing the cost of auto insurance should be important to most vehicle owners, and an easy way to save on the cost of insurance for single moms is to buy only liability coverage. The example below shows the difference between auto insurance rates with full coverage compared to only the Indiana minimum liability coverage. The costs are based on no claims or violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Averaged for all ages 20 through 70, comp and collision coverage costs an extra $2,160 per year more than carrying just liability coverage. That proposes the question if you should buy full coverage at all. There is no definitive rule to stop buying full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
Tips to find budget-friendly auto insurance for single moms
It is possible to find better rates, and here are many thrifty solutions that can help Indiana drivers locate more affordable car insurance.
- Remain accident-free and save
- Clean up your credit
- Higher comprehensive and collision coverage deductibles will save money
- Safer vehicles generally have cheaper insurance rates
- Violations like speeding or DUI increase rates
- Do not insure for full coverage
- Comparison shop at least every other year
The last tip in the list is certainly necessary, as was affirmed in this article. Prices charged by car insurance companies in Fort Wayne change constantly, so don’t be tentative to buy a policy from a new company if a cheaper rate is available.
Many drivers have brand loyalty and that’s fine, but is isn’t recommended if it’s costing you hundreds of dollars a year. It takes less than five minutes to compare rates and find cheaper auto insurance for single moms.
The insurance agencies listed below can help you make a decision which coverages are best, as many consumers aren’t sure which coverage to buy and prefer to have a professional recommendation when shopping for the best coverage for single parents. It’s not always simple to find the best coverage on your own, and getting professional guidance from a licensed agent can bring comfort knowing you have adequate protection in case of an accident or claim. To find an auto insurance agency using an interactive map, click the link at the bottom.
Masters Insurance Fort Wayne Indiana
4324 Flagstaff Cove – Fort Wayne, IN 46815 – (260) 702-0945
Allstate Insurance: Steven Westrick
8938 Lima Rd Suite R – Fort Wayne, IN 46818 – (260) 489-3977
Connie Stickler – State Farm Insurance Agent
7105 Old Trail Rd – Fort Wayne, IN 46809 – (260) 747-2626
Farmers Insurance – Larry Elliott
7529 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 434-1952