Auto Insurance Requirements in Fort Wayne, Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
If you drive in Fort Wayne, Indiana, understanding auto insurance requirements is essential to stay legal and protected. Indiana law sets minimum coverage standards, but many drivers choose additional protection for peace of mind. Here’s what you need to know.
Indiana’s Minimum Auto Insurance Requirements
State law requires every driver to carry:
Bodily Injury: $25,000 per person / $50,000 per accident
Property Damage: $25,000 per accident
Uninsured Motorist Coverage (optional but strongly recommended)
Protects you if the other driver has no insurance.
These limits meet legal requirements but may not fully protect you in severe accidents.
Why Consider More Than the Minimum?
Minimum coverage often falls short when:
Medical bills exceed $25,000
Vehicle repairs cost more than property damage limits
You face lawsuits after an accident
Consider adding:
Collision Coverage – Repairs your car after an at-fault crash
Comprehensive Coverage – Covers theft, vandalism, hail, and animal strikes
Medical Payments Coverage – Helps with medical costs regardless of fault
If your car is financed or newer, full coverage (liability + collision + comprehensive) is often required by lenders.
Factors That Influence Your Premium
Your rate depends on:
Driving record and claims history
Vehicle type, age, and safety features
Coverage limits and deductibles
Annual mileage and ZIP code risk factors
Credit-based insurance score (allowed in Indiana)
Understanding these helps you compare quotes accurately.
Smart Ways to Save
Bundle auto and home insurance for multi-policy discounts
Ask about safe driver and multi-car discounts
Increase deductibles to lower premiums (choose an amount you can afford)
Consider telematics programs that reward safe driving habits
Review coverage annually as life changes—new car, move, or teen driver
Why Choose Wexford Insurance
Wexford Insurance is dedicated to helping Fort Wayne drivers find affordable, reliable coverage. As an independent agency, we partner with multiple carriers to deliver competitive rates and personalised service.
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