Cheapest Auto Insurance in Fort Myers, Florida (2024)

State Farm offers the cheapest car insurance in Fort Myers, with minimum-coverage policies as low as $61 per month.

Jacqueline DeMarco
Jacqueline DeMarco
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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Updated April 22, 2024

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Cheapest recent rates near Fort Myers, Florida

Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $81/mo for full coverage in Fort Myers and other Florida cities.

*Quotes generated for Insurify users in and around Fort Myers, Florida within the last 10 days. Last updated on April 22, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 April 22, 2024. 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 April 22, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 April 22, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $190 per month for liability-only insurance and $266 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 $213 but lower than the statewide monthly average of $299.

  • State Farm, GEICO, and Hugo have the cheapest car insurance in Fort Myers.

  • Fort Myers drivers pay a yearly average of $3,188 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.5$81$70Full coverage
GEICO4.2$83$72Mobile policy management
Allstate4.2$140$122Drivers with clean records
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for full coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$61/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.
$71/mo

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

Read our State Farm review
Wanda Carole - April 22, 2024
Verified

Excellent

Check out other companies and their rates before making a decision.

Perry - April 22, 2024
Verified

Pricing

Be careful of the price quoted. It can change.

Sandra - April 21, 2024
Verified

Fair

They are the cheapest car insurance around.

Best insurer for mobile policy management: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$63/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.
$73/mo

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

Read our GEICO review
Rosita - April 22, 2024
Verified

Happy One Day, Sad the Next

One year, my policy was nice and low, but the next year they jacked it up. I didn't even do anything wrong. This really upset me. I never even got a reason why.

Gloria - April 22, 2024
Verified

Poor

Find another insurance company. Geico is too expensive and doesn't live up to their promises.

Louis - April 20, 2024
Verified

Excellent

Good service, good price.

Best insurer for drivers with clean records: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$107/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.
$124/mo

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

Read our Allstate review
James - April 22, 2024
Verified

Good

Very good but expensive.

John - April 21, 2024
Verified

Allstate is great, but we are looking to save more money. We are two seniors with two vehicles, one of which has comprehensive and collision coverage.

Allstate is great, but we are looking to save more money. We are two seniors with two vehicles, one of which has comprehensive and collision coverage.

Marcia - April 21, 2024
Verified

Less Expensive Options, Same Coverage

It's too much money.

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 $61 per month

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Cheapest liability-only car insurance in Fort Myers: State Farm

Liability insurance pays for other peoples’ 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 $190 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 are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm61
GEICO63
Hugo69
Allstate107
Safeco118
Mile Auto119
Travelers127
Mercury133
Liberty Mutual140
Direct Auto143
Midvale Home & Auto159
Progressive161
Infinity181
Foremost190
Dairyland192
AssuranceAmerica210
Bristol West248
National General277
The General284
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $266 per month.

Here are the cheapest full-coverage car insurance companies in Fort Myers, Florida.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm71
GEICO73
Hugo77
Allstate124
Travelers149
Mercury156
Safeco160
Mile Auto166
GAINSCO195
Infinity211
Liberty Mutual214
Midvale Home & Auto228
Direct Auto229
Progressive229
National General279
Foremost280
AssuranceAmerica287
Dairyland342
Bristol West355
The General403
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for theft and damages from events other than collisions, such as fire, vandalism, falling objects, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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 $69 for drivers with an incident

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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 $225 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 are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith Speeding Ticket
State Farm6170
GEICO6373
Hugo6990
Allstate107124
Safeco118150
Mile Auto119155
Travelers127151
Mercury133181
Liberty Mutual140177
Direct Auto143172
Progressive161196
Infinity181218
Dairyland192232
AssuranceAmerica210262
Bristol West248295
National General277325
The General284345
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $243 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 are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith Accident
State Farm6176
GEICO6379
Hugo6987
Allstate107134
Safeco118162
Mile Auto119168
Travelers127162
Mercury133192
Liberty Mutual140190
Direct Auto143186
Progressive161210
Infinity181217
Dairyland192247
AssuranceAmerica210275
Bristol West248311
National General277355
The General284370
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $281 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 are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith DUI
State Farm6192
GEICO6395
Hugo6996
Allstate107162
Safeco118179
Mile Auto119187
Travelers127192
Mercury133207
Liberty Mutual140212
Direct Auto143216
Progressive161244
Infinity181274
Foremost190288
Dairyland192291
AssuranceAmerica210318
Bristol West248375
National General277419
The General284430
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $159 per month.

Here you can see the cheapest companies in Fort Myers for senior drivers.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm5548
GEICO5850
Allstate10187
Travelers118101
Mercury128109
Mile Auto12892
Safeco137101
Progressive167117
Liberty Mutual177116
Direct Auto178111
AssuranceAmerica215158
National General228226
Dairyland279156
Bristol West287201
The General332234
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $291 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 are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
GEICO10692
State Farm11397
Hugo130116
Allstate203175
Travelers251214
Mercury267228
Safeco267197
Mile Auto300215
Infinity329282
Liberty Mutual335219
Progressive384270
Direct Auto390244
Foremost466317
National General496493
Dairyland514289
AssuranceAmerica517378
Bristol West548383
The General597420
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Fort Myers

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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 $104 for liability-only coverage and $213 for full coverage. In Fort Myers, the costs are an average of $190 per month for liability only and $266 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.

CityFull CoverageLiability Only
Cape Coral$264$203
Clearwater$298$234
Fort Lauderdale$340$256
Jacksonville$301$202
Miami$363$272
Ocala$260$178
Orlando$312$221
Pensacola$259$172
Tallahassee$269$163
Tampa$373$310
Winter Haven$306$201
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.

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 $190 per month for liability-only coverage and $266 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 $61 per month for liability coverage. GEICO and Hugo also offer low rates in the area, at $63 and $69, 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 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Lee County Visitor & Convention Bureau. "2022: The Value of Tourism: Lee County Tourism Highlights."
  2. National Hurricane Center. "Hurricane Ian."
  3. U.S. Census Bureau. "QuickFacts: Fort Myers city, Florida."
  4. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  5. Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
  6. III. "Senior driving safety and insurance tips."
  7. The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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