Cheapest Auto Insurance in Fort Myers, Florida (2026)
State Farm offers the cheapest car insurance in Fort Myers, with minimum-coverage policies as low as $103 per month.
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Written byJacqueline DeMarco
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Fort Myers, with plenty of waterfront and beachside destinations, attracted 4.4 million tourists in 2022.[1] But its location on Florida’s west coast also attracts severe weather, like Hurricane Ian in September 2022, which caused more than $112 billion in damages.[2]
Storm-related damages and steady waves of tourists can contribute to higher car insurance costs in Fort Myers, Florida. The average cost of auto insurance in the city is $146 per month for liability-only insurance and $194 per month for full coverage.
Despite these high costs, Fort Myers has lower average premiums than other major Florida cities, likely due to its comparatively fewer residents.[3] Here’s what you need to know about getting the best prices for auto insurance coverage in Fort Myers.
Quick Facts
Fort Myers full-coverage car insurance rates are higher than the national average of $173 but lower than the statewide monthly average of $204.
State Farm, Mile Auto, and Progressive have the cheapest car insurance in Fort Myers.
Fort Myers drivers pay a yearly average of $2,322 for full-coverage car insurance.
3 of the cheapest car insurance companies in Fort Myers
While shopping for car insurance in Fort Myers, account for your unique requirements and situation. The best auto coverage depends on factors like your driving record, vehicle type, and coverage choices.
Here are the best car insurance companies that Insurify picked for Fort Myers drivers and what sets them apart from the competition.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $116 | $106 | Full coverage |
| GEICO | 9.2 | $179 | $158 | Mobile policy management |
| Allstate | 8.9 | $202 | $185 | Drivers with clean records |
Disclaimer: Table data sourced from real-time Fort Myers car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Myers may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for full coverage: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $103/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $111/mo |
4.0
Best choice in Fort Myers, FLBased on 15,982 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Fort Myers for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Fort Myers for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Florida reviews for Fort Myers drivers - See all 7,209 State Farm reviews
Sandrs
Verified Review
Five Star Insurance Agency
Reviewed in Florida on March 11, 2026
Noelle is five-star excellent in every way and totally represents State Farm.
Sally
Verified Review
Frustrated with Insurance Companies
Reviewed in Florida on March 9, 2026
Car insurance, so far, is fine with State Farm. It's the homeowners policies I'm frustrated about. State Farm is higher priced and after about 40 years of paying them, when I needed help for the first time, they paid and then dropped me. Not okay!
Gary
Verified Review
Good customer service
Reviewed in Florida on March 8, 2026
Raised my rates without explaining why.
John
Verified Review
Price
Reviewed in Florida on March 7, 2026
You need to search the internet every 6 months as every auto insurer is raising prices differently.
Tajmahl
Verified Review
Rip-off
Reviewed in Florida on March 4, 2026
Not great, but better than $300 a month.
Rosemary
Verified Review
Too Expensive
Reviewed in Florida on March 1, 2026
Very expensive. I've been with State Farm for over 40 years with no claims, and they are still raising rates on me.
Brian
Verified Review
Better insurance at a reasonable price
Reviewed in Florida on February 24, 2026
Too expensive. I've been with them for 20 plus years and can't get a break.
Begona
Verified Review
State Farm plays with numbers!
Reviewed in Florida on February 23, 2026
State Farm raised my payment in May 2025 to $352.30, June $352.30, July $355.42, August $355.42, September $355.43, October $467.60, November $495.20, December $495.20, January $464.27, February $468.58. This should be illegal; no notice in the mail. They are just playing with numbers, and I’m over it. That’s how I feel! This is crazy! Can State Farm do this? Tips to my friends: stay away.
Gregory
Verified Review
Excellent
Reviewed in Florida on February 22, 2026
The people I have dealt with are excellent, but I think it's a little expensive though.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers competitive full-coverage rates to Fort Myers drivers. Plus, it has a suite of available add-on coverages, including rental car and travel expenses, rideshare insurance, roadside assistance, and more. But gap insurance is notably lacking from its lineup of coverages, which may disappoint some Fort Myers drivers concerned about paying off totaled vehicles.
Pros
No. 1 in J.D. Power customer satisfaction study for Florida
Comparatively low average rates
Cons
Doesn’t offer gap insurance
Customers can’t purchase policies online
Best insurer for mobile policy management: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $154/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $173/mo |
4.0
Best choice in Fort Myers, FLBased on 16,212 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Fort Myers for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Fort Myers for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Florida reviews for Fort Myers drivers - See all 7,454 GEICO reviews
Patricia
Verified Purchase
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
Reviewed in Florida on March 12, 2026
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
John
Verified Review
GEICO, Best Insurance
Reviewed in Florida on March 9, 2026
Cheapest in Florida hands down. I’ve tried to get coverage from other carriers and they can’t beat it.
Gerald
Verified Review
Auto Tesla
Reviewed in Florida on March 9, 2026
Great service.
Harley
Verified Review
Too expensive
Reviewed in Florida on March 9, 2026
I have not had any issues with Progressive. They are definitely cheaper than GEICO.
Andrzej
Verified Review
Lack of contact with agent is a big minus.
Reviewed in Florida on March 8, 2026
I am using the GEICO app and constantly getting messages asking me to install this app. Lately, they asked me to pay $7 (and some change) for something I don’t understand. It's impossible to find a phone agent to ask for an explanation.
Zaqueo
Verified Review
Happy
Reviewed in Florida on March 8, 2026
They have good prices and good customer service.
Mary
Verified Review
No contact with a human to answer questions.
Reviewed in Florida on March 8, 2026
I have attempted to reduce my costs because I don’t drive more than 50 miles a week. No one responds.
Roger
Verified Review
Raising rates for no reason other than greed
Reviewed in Florida on March 5, 2026
Rates just kept going up and up for no reason. Just corporate greed. Progressive is even worse. Dropping Progressive currently. Found insurance for $60 a month less with a lesser-known company.
John
Verified Review
Discounts for Auto Insurance
Reviewed in Florida on March 4, 2026
All was good until my policy lapsed for two or three days because I was in the hospital. Then, all of a sudden, my insurance jumped forty dollars a month, and it has remained there for some time. I feel like I am not getting the discounts that I should be receiving. I have had no tickets or accidents in over five years, yet I'm still paying a very high price for the cheapest insurance I could get. I shop all the time for insurance because I feel that Geico is not offering me the best deal.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers car insurance coverage with affordable rates, personalized service, and 85 years of industry experience. Its coverage options include many add-ons that drivers can purchase to enhance their auto insurance policies. But where GEICO shines is online — it has a highly rated mobile app that customers can use to file claims and manage their policies on the go.
Pros
Highly rated mobile app and digital experience
Multi-policy discount available
Cons
Rideshare insurance not available
Doesn’t offer gap insurance
Best insurer for drivers with clean records: Allstate
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $179/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $194/mo |
3.8
A solid option in Fort Myers, FLBased on 9,570 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Fort Myers for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Fort Myers for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 Florida reviews for Fort Myers drivers - See all 4,293 Allstate reviews
Sandra
Verified Review
Great Insurance Company
Reviewed in Florida on March 12, 2026
I have had Allstate since 1973, so I am really happy with my policy. No one else seems to meet the coverage and price.
Leslee
Verified Review
Basically satisfied with policy.
Reviewed in Florida on March 2, 2026
The experience has been very good; however, we feel like we need a policy that is more cost-effective.
Kenneth
Verified Review
Smug People Working in One Office
Reviewed in Florida on March 2, 2026
Allstate has a terrible crew. I never see the owner of the place, a smug guy that I don’t trust. Their prices are exceptionally high for nothing gained. I'm ready to find a new company to give my business to.
Joseph
Verified Review
Rising Rates, Zero Loyalty Considerations
Reviewed in Florida on March 1, 2026
They have been a good company for paying out on claims, but loyalty gets nothing in consideration to rates. I have been with them since 1982 and my rates are through the roof. They are always raising and NEVER offering a lower rate. I’m curious how much of my rate goes to agent commission.
Dan
Verified Review
Best Price
Reviewed in Florida on February 25, 2026
Best price.
Erica
Verified Review
Not great
Reviewed in Florida on February 16, 2026
They're okay. I was not successful in getting a better cost even though I've been with them for many years.
Linda
Verified Review
Poor
Reviewed in Florida on February 16, 2026
Allstate is more expensive than all others except AAA, which is higher.
Angela
Verified Review
Dissatisfied
Reviewed in Florida on February 15, 2026
My experience with Allstate is that they are overpricing their policies.
Donald
Verified Review
Personalized customer service has its value.
Reviewed in Florida on February 15, 2026
I've been with Allstate for over 30 years.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate welcomes safe drivers with potential savings on their car insurance policies. With the Drivewise app, customers can earn a discount just by signing up and then an additional premium discount every six months when they drive safely. Plus, Allstate offers a safe-driving discount for accident-free drivers and one for customers who pay their premiums on time.
Pros
Various discounts, especially for safe drivers
Offers coverage for hybrids and classic cars
Cons
Higher average rates than competitors
Below-average J.D. Power insurance-shopping satisfaction rating
How to get the cheapest car insurance in Fort Myers
Getting cheap car insurance rates takes a little work on your part. These tips can help you while you shop around:
Compare policies. Take the time to research different insurance companies and compare car insurance quotes from multiple insurers in Fort Myers. This is one of the best ways to find the most affordable rates tailored to your driving profile.
Ask about discounts. It’s always a good idea to ask insurance agents about available discounts, such as those for good driving habits, safety features, or good grades, especially if there’s a teenage driver in your household.
Bundle insurance policies. Another good question to ask an insurance agent is whether their insurance company offers a bundling discount. Consider bundling your car insurance with other policies, like renters insurance or homeowners insurance, to potentially benefit from multi-policy discounts.
Drive responsibly. Prioritize safe driving practices to maintain a clean record. Comply with traffic laws, avoid accidents, and steer clear of violations to keep your premiums low.
Find Cheap Car Insurance in Fort Myers
Liability rates start at $103 per month
Excellent
4.7 out of 5 based on 12,610 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Fort Myers: State Farm
Liability insurance pays for other people’s damages and injuries from an accident you cause, and Florida requires every driver to purchase property damage liability. Keep in mind that this insurance doesn’t cover your personal medical expenses or vehicle repairs, and Florida’s minimum insurance requirements are quite low compared to other states.
But if you want the cheapest auto policy possible while still driving legally, liability-only insurance is your best option.
The average rate for liability-only coverage in Fort Myers is $146 per month. The table below shows the auto insurance companies in Fort Myers with the lowest average quotes for liability-only insurance.
The below rates in Fort Myers, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $103 |
| Mile Auto | $125 |
| Progressive | $135 |
| GAINSCO | $139 |
| Direct Auto | $150 |
| Mercury | $153 |
| GEICO | $154 |
| The General | $166 |
| Bristol West | $170 |
| Infinity | $171 |
| National General | $175 |
| AssuranceAmerica | $177 |
| Allstate | $179 |
| Travelers | $213 |
| Root | $219 |
| Dairyland | $287 |
| Liberty Mutual | $314 |
Disclaimer: Table data sourced from real-time Fort Myers car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Myers may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fort Myers: State Farm
For more protection on the road and in various situations, opt for full-coverage car insurance, which offers comprehensive and collision insurance. This auto policy type is a good idea for people who drive high-value vehicles, people in accident-prone or high-theft areas, or anyone who wants more coverage than what liability-only insurance offers.
The average rate for full coverage in Fort Myers is $194 per month.
Here are the cheapest full-coverage car insurance companies in Fort Myers, Florida.
The below rates in Fort Myers, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $111 |
| Mile Auto | $162 |
| GEICO | $173 |
| Progressive | $177 |
| Mercury | $185 |
| Allstate | $194 |
| Direct Auto | $203 |
| National General | $204 |
| Travelers | $231 |
| Bristol West | $233 |
| The General | $248 |
| Infinity | $251 |
| GAINSCO | $260 |
| AssuranceAmerica | $282 |
| Root | $284 |
| Liberty Mutual | $315 |
| Dairyland | $471 |
Disclaimer: Table data sourced from real-time Fort Myers car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Myers may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Fort Myers, Florida
Drivers in and around Fort Myers, Florida have found policies from Liberty Mutual, Direct Auto, National General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Fort Myers, Florida within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fort Myers, Florida within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
Florida’s car insurance requirements include personal injury protection (PIP) and property damage liability insurance. PIP insurance provides extensive coverage, taking care of 80% of your medical expenses for covered injuries, up to $10,000, regardless of fault. Additionally, property damage liability insurance handles the costs of property damage the policyholder causes in an accident.
Here are Florida’s minimum policy limits for PIP and property damage liability:[4]
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
Florida’s insurance requirements are limited compared to other state requirements. While most states mandate bodily injury liability to pay for other parties’ injuries, Florida excludes this requirement. If you want more protection from your auto insurance policy, consider enhancing it with these additional coverage options:
Collision coverage
Collision coverage pays for vehicle damages from car crashes, either with a stationary object or another vehicle, even if you’re at fault.
Comprehensive coverage
Comprehensive coverage pays for theft and damages from events other than collisions, such as fire, vandalism, falling objects, and natural disasters.
Gap coverage
If you’re financing or leasing your car, gap insurance covers the difference between your auto loan balance and the insurance settlement after a total loss.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages and injuries if someone without insurance — or not enough insurance — causes an accident with you.
Glass coverage
This includes coverage for windshield and glass damage and may even provide no-deductible coverage for side windows, rear windows, and glass sunroofs.
Cheapest car insurance for drivers with an incident
Drivers in Fort Myers with speeding tickets, driving under the influence (DUI) convictions, at-fault accidents, or other moving violations on their driving records often pay higher insurance premiums. Insurers consider your driving record when determining premiums, and a spotty history of tickets or accidents signals a higher risk, which leads to higher rates to offset that risk.
To help you in your search for affordable car insurance with a bad driving record, here are the cheapest companies in Fort Myers.
Compare Fort Myers Car Insurance Quotes
Monthly rates start at $123 for drivers with an incident
Excellent
4.7 out of 5 based on 12,610 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Receiving a speeding ticket can lead to significant changes in your car insurance rates. Insurance companies see it as an indication of risky driving practices, which increase the risk of future accidents and claims. As a result, your insurance premiums increase, even if you didn’t cause an accident.
Drivers in Fort Myers pay an average of $169 per month for liability coverage if they have a speeding ticket on their record. But it is possible to find more affordable coverage.
The table below shows the cheapest car insurance companies in Fort Myers for drivers with a speeding ticket.
The below rates in Fort Myers, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $103 | $126 |
| Mile Auto | $125 | $147 |
| Progressive | $135 | $157 |
| GAINSCO | $139 | $159 |
| Direct Auto | $150 | $181 |
| Mercury | $153 | $206 |
| GEICO | $154 | $194 |
| The General | $166 | $214 |
| Bristol West | $170 | $206 |
| Infinity | $171 | $210 |
| National General | $175 | $210 |
| AssuranceAmerica | $177 | $217 |
| Allstate | $179 | $225 |
| Travelers | $213 | $267 |
| Root | $219 | $282 |
| Dairyland | $287 | $346 |
| Liberty Mutual | $314 | $385 |
Disclaimer: Table data sourced from real-time Fort Myers car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Myers may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Lee County reported more than 14,000 car accidents in 2021.[5] Causing an accident can lead to a substantial increase in your car insurance rates because, like speeding tickets, it increases your risk of future claims. Avoiding accidents is crucial not only for your safety but also for maintaining affordable insurance premiums.
Fort Myers drivers with an accident on their record pay an average of $184 per month for liability coverage.
Here you can see the cheapest Fort Myers auto insurance companies for drivers with an at-fault accident on their driving records.
The below rates in Fort Myers, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $103 | $133 |
| Mile Auto | $125 | $165 |
| Progressive | $135 | $170 |
| GAINSCO | $139 | $174 |
| Direct Auto | $150 | $200 |
| Mercury | $153 | $226 |
| GEICO | $154 | $196 |
| The General | $166 | $223 |
| Bristol West | $170 | $218 |
| Infinity | $171 | $216 |
| National General | $175 | $227 |
| AssuranceAmerica | $177 | $230 |
| Allstate | $179 | $234 |
| Travelers | $213 | $280 |
| Root | $219 | $286 |
| Dairyland | $287 | $372 |
| Liberty Mutual | $314 | $408 |
Disclaimer: Table data sourced from real-time Fort Myers car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Myers may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Lee County experienced a 32% increase in alcohol-related car crashes but a 25% decrease in drug-related car crashes between 2020 and 2021.[5] A DUI conviction can have a profound effect on your car insurance rates. Fort Myers drivers with a DUI on their record pay a monthly average of $207 for liability coverage.
Insurers perceive DUIs as a substantial risk, indicating a higher probability of accidents and claims. Furthermore, Florida may require you to purchase and maintain FR-44 insurance coverage, which can increase your rates for three or more years.
Here are the cheapest auto insurers in Fort Myers for drivers with a DUI on their records.
The below rates in Fort Myers, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $103 | $150 |
| Mile Auto | $125 | $182 |
| Progressive | $135 | $192 |
| GAINSCO | $139 | $202 |
| Direct Auto | $150 | $218 |
| Mercury | $153 | $231 |
| GEICO | $154 | $221 |
| The General | $166 | $241 |
| Bristol West | $170 | $247 |
| Infinity | $171 | $248 |
| National General | $175 | $254 |
| AssuranceAmerica | $177 | $257 |
| Allstate | $179 | $260 |
| Travelers | $213 | $309 |
| Root | $219 | $319 |
| Dairyland | $287 | $417 |
| Liberty Mutual | $314 | $456 |
Disclaimer: Table data sourced from real-time Fort Myers car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Myers may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Your age significantly affects your car insurance rates. As you gain experience and reach your mid-30s, rates generally decrease. But around age 70, premiums may increase slightly due to factors like potential health concerns and higher accident risks.[6] But senior drivers still often pay lower average rates compared to other driving age groups.
The average liability rate for seniors in Fort Myers is $131 per month.
Here you can see the cheapest companies in Fort Myers for senior drivers.
The below rates in Fort Myers, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $89 | $83 |
| Mile Auto | $130 | $100 |
| GEICO | $140 | $125 |
| Mercury | $151 | $125 |
| Progressive | $159 | $121 |
| Allstate | $161 | $148 |
| National General | $164 | $141 |
| Direct Auto | $167 | $124 |
| Infinity | $188 | $128 |
| Travelers | $188 | $174 |
| Bristol West | $198 | $144 |
| The General | $213 | $142 |
| GAINSCO | $225 | $121 |
| AssuranceAmerica | $225 | $141 |
| Root | $242 | $187 |
| Liberty Mutual | $269 | $268 |
| Dairyland | $406 | $248 |
Disclaimer: Table data sourced from real-time Fort Myers car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Myers may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Finding affordable car insurance can be challenging for teenagers and young adults, who often pay significantly higher rates than older, more experienced drivers due to their limited driving history and higher risk profiles. In Fort Myers, for example, teens pay an average of $252 per month for liability coverage.
But teens and young drivers can find lower rates if they stay on a parents’ policy, take advantage of student-specific discounts, and drive inexpensive, safe vehicles.
Here are some of the cheapest car insurance companies for teens and young drivers in Fort Myers.
The below rates in Fort Myers, FL, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $211 | $196 |
| GEICO | $302 | $269 |
| Progressive | $306 | $233 |
| Mile Auto | $327 | $252 |
| Mercury | $335 | $277 |
| Allstate | $376 | $347 |
| Direct Auto | $382 | $282 |
| National General | $405 | $347 |
| Bristol West | $406 | $296 |
| The General | $424 | $284 |
| Infinity | $457 | $312 |
| GAINSCO | $463 | $248 |
| Travelers | $470 | $434 |
| Root | $478 | $369 |
| Liberty Mutual | $542 | $540 |
| AssuranceAmerica | $574 | $360 |
| Dairyland | $787 | $480 |
Disclaimer: Table data sourced from real-time Fort Myers car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Myers may vary based on the policy buyer's unique driver profile.
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Fort Myers car insurance quotes by credit tier
Florida insurers can take your credit history into account when setting insurance rates, but they can’t only use your score to determine premiums.[7] Insurance companies argue that your credit score indicates your risk of filing a claim. Fort Myers drivers with excellent or good credit scores pay lower premiums than drivers with poor credit scores.
Here are the average monthly quotes for car insurance in Fort Myers, based on credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Fort Myers?
Compared to the national average, car insurance is more expensive in Fort Myers. The average cost of car insurance in the U.S. is $99 for liability-only coverage and $173 for full coverage. In Fort Myers, the costs are an average of $146 per month for liability only and $194 per month for full coverage.
But car insurance is generally more expensive in Florida, as the state frequently experiences severe weather events, like hurricanes and storms, which cause property damage.
Within Florida, Fort Myers is a relatively cheap city for car insurance. Where you live, down to your ZIP code, affects your rates, and insurers consider an area’s accident and theft rates, weather patterns, population, and more when determining premiums.
Compared to other cities, Fort Myers has lower average rates, likely because it has fewer residents. Fewer residents mean fewer drivers on the road.
More cities in Florida
Here’s how the average cost of car insurance in Fort Myers compares to other major Florida cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Cape Coral | $196 | $156 |
| Clearwater | $200 | $164 |
| Fort Lauderdale | $222 | $186 |
| Jacksonville | $206 | $163 |
| Miami | $260 | $204 |
| Ocala | $189 | $163 |
| Orlando | $229 | $182 |
| Pensacola | $192 | $138 |
| Tallahassee | $188 | $142 |
| Tampa | $262 | $205 |
| Winter Haven | $218 | $160 |
Disclaimer: Table data is based on real-time Fort Myers quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Fort Myers car insurance FAQs
Check out Insurify’s guide on accident forgiveness and the answers to common questions about Fort Myers car insurance.
How much is car insurance in Fort Myers?
The average cost of car insurance in Fort Myers is $146 per month for liability-only coverage and $194 per month for full coverage.
Which company has the cheapest car insurance in Fort Myers?
State Farm offers the cheapest rates in Fort Myers, starting at $103 per month for liability coverage. Mile Auto and Progressive also offer low rates in the area, at $125 and $135, respectively.
What are the best car insurance companies in Fort Myers?
Some of the best car insurance companies in Fort Myers include Allstate, GEICO, and State Farm. These insurers have high J.D. Power customer satisfaction ratings, strong AM Best ratings, and high Insurify Quality (IQ) Scores.
While Insurify picked these top insurers, you should always compare quotes from multiple car insurance companies to find the best rates for your driving record and situation.
What is the recommended car insurance coverage in Florida?
First, drivers should purchase at least the minimum car insurance requirements in Florida: $10,000 per accident for both property damage liability and personal injury protection. But these coverages probably don’t provide enough protection for most drivers. You should also consider comprehensive and collision coverage, along with higher limits for PIP and property damage.
How do weather and traffic conditions in Fort Myers affect car insurance premiums?
Insurers consider an area’s car crash rate and weather patterns when determining car insurance premiums. Lee County experienced more than 14,000 car crashes in 2021, which affects Fort Myers’ premiums.[5]
Plus, Hurricane Ian hit Florida’s west coast hard in 2022, causing substantial property damage that Fort Myers is still recovering from. Additional storms like Hurricane Ian could cause car insurance rates in Fort Myers to increase.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Lee County Visitor & Convention Bureau. "2022: The Value of Tourism: Lee County Tourism Highlights."
- National Hurricane Center. "Hurricane Ian."
- U.S. Census Bureau. "QuickFacts: Fort Myers city, Florida."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
- III. "Senior driving safety and insurance tips."
- The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
)
Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.