Cheapest Car Insurance Quotes in Fort Myers, FL (2023)

State Farm, GEICO, and Allstate offer the cheapest rates for full-coverage car insurance in Fort Myers.

Nick Dauk
Written by
Nick Dauk
Nick Dauk
Written by
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 

Updated January 13, 2023

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.
Nick Dauk
Written by
Nick Dauk
Nick Dauk
Written by
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 

Updated January 13, 2023

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

Minimum-coverage car insurance in Fort Myers costs an average of $283 per month — $126 less than the Florida average of $409 per month. But every driver’s car insurance quote will vary based on age, credit, driving history, and the type of vehicle insured.[1]

One of the best ways to find the best car insurance coverage for the lowest price is to compare multiple insurers. Find the best policy for your needs by comparing some of the cheapest car insurance quotes in Fort Myers.

How much does car insurance cost in Fort Myers?

Insurify data scientists analyzed the latest insurance rates in Fort Myers to identify the cheapest quotes in the city. Average monthly rates for full-coverage policies are $115 to $1,020, while average monthly rates for liability-only policies are $95 to $400.

Vehicle insurance costs can vary widely in Fort Myers. Though the average rates start at $95, a number of driver-specific factors — like age, gender, and driving record — influence how an insurer sets rates.[1] By comparing costs across multiple insurers, you can find the best deal for your coverage needs.

  • State Farm has the cheapest liability-only insurance in Fort Myers, at $95 per month.

  • State Farm also has the cheapest full-coverage insurance in Fort Myers, at $115 per month.

  • Travelers has the cheapest insurance for new and young drivers in Fort Myers, at $224 per month.

Learn More: Cheap Car Insurance in Florida

Cheapest car insurance in Fort Myers: State Farm

State Farm offers the cheapest insurance rates in Fort Myers, with liability-only coverage costing an average of $95 per month and full-coverage policies available at an average monthly rate of $115. Keep in mind that multiple factors influence policy rates, which means a driver’s quote may be higher or lower than average.[1]

Location plays a significant role in each quote; the risk of theft, vandalism, and accidents is higher in urban areas compared to rural areas. Age, gender, and credit history are also factors. Drivers with a clean record are typically offered lower premiums than drivers with accidents or traffic violations.

The table below shows the cheapest car insurance rates in Fort Myers for liability-only and full-coverage policies.

Insurance CompanyLiability OnlyFull Coverage
State Farm$95$115
GEICO$103$118
Allstate$174$200
Direct Auto$222$266
AssuranceAmerica$241$294
Liberty Mutual$241$317
Mercury$247$283
Infinity$309$379
Bristol West$338$474
The General$400$1,020
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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Average cost of auto insurance in Fort Myers

The average cost of auto insurance in Fort Myers is $292 per month. This includes both liability-only and full-coverage policies. The following table illustrates the average cost of auto insurance per month in Fort Myers.

There’s a $605 difference between the lowest average rate and the highest average rate, but keep in mind that these rates may be higher or lower than your quote.

Insurance CompanyAverage Monthly Quote
State Farm$105
GEICO$110
Allstate$187
Direct Auto$244
Mercury$265
AssuranceAmerica$268
Liberty Mutual$279
Infinity$344
Bristol West$406
The General$710
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.

Average car insurance premiums in Fort Myers by marital status

Marital status also plays a role in car insurance rates, though some drivers aren’t aware of how much of an impact their partner can have on a premium. The marriage itself isn’t a factor, but rather having another person on your policy. Similar to adding a child to a policy, your partner’s driving history, gender, vehicle, and age can affect your premium.

For example, adding a partner with a clean driving record increases your chance of getting a better rate. Adding a partner with a history of accidents or traffic violations, though, might increase your monthly premium.

In Fort Myers, the average monthly rate for a single policyholder is $364, while the average monthly rate for a married policyholder is $346.

How much car insurance do you need in Fort Myers?

The state of Florida mandates that all motor vehicles operated or parked on state roads must be insured. The minimum liability insurance requirements include:

Drivers in Florida must also carry proof of insurance and must present it in certain situations, such as:

  • When the vehicle is involved in a car accident

  • When renewing vehicle registration

  • When requested by law enforcement

Remember that Florida is a no-fault state, which means that each party’s insurance provider will pay for medical expenses, regardless of who caused the accident.

Florida DMV information

The Florida Department of Highway Safety and Motor Vehicles has locations throughout each of Florida’s 67 counties. It offers services both in person and online, where drivers can pay a speeding ticket, register their vehicle or title, and apply for or renew their driver’s license.

Tips for getting cheap car insurance in Fort Myers

Getting cheap car insurance in Fort Myers involves due diligence. Dozens of factors can influence a quote, which means you should be aware of how you can secure the lowest rate with different insurers. For instance, some offer discounts when you combine your homeowners and car insurance plans under a single policy. Taking a defensive driving course, avoiding accidents, driving under the speed limit, and having a good credit score can also help you save money on car insurance in Fort Myers.[2]

When shopping for insurance, get quotes from at least three insurers. This means contacting insurers directly, connecting with independent agents, and exploring companies that sell insurance products online and over the phone. Some advantages of comparison shopping include:

  • Discovering which discounts or incentives an insurer offers

  • Establishing a baseline for average rates in your area

  • Engaging with local agents who have a more detailed understanding of risk factors in your area

Remember that the “cheapest” policy isn’t always the one with the lowest premium. Understanding how rates may increase or decrease after accidents, traffic violations, or a lack of claims will help you identify which policy will cost you the least over time.

Check Out: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Fort Myers

Age is another factor that affects insurance premiums. In some scenarios, such as a parent placing a young driver on their policy, age can significantly influence your premium. Teen drivers are statistically more likely to be involved in both fatal and nonfatal accidents compared to drivers older than 19.[3]

Because older drivers have a lower risk of accidents than teenagers, it’s common to see higher average monthly rates for younger drivers.

Age GroupAverage Monthly Quote
Teenagers$897
Younger than 25$502
25–29$563
30s$449
40s$431
50s$313
60s$366
70s$282
80+$294
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.

Cheapest car insurance for young drivers in Fort Myers

The cheapest car insurance for young drivers in Fort Myers is available through Travelers, at an average rate of $224 per month. This average is for full-coverage policies; the average rate for liability-only policies may differ.

Young drivers and their parents in Fort Myers should look for ways to lower their car insurance. Some insurers offer discounts for young drivers who maintain good grades, complete defensive driving courses, or are away at college.[4]

Insurance CompanyAverage Monthly Quote
Travelers$224
Safeco$275
Midvale Home & Auto$363
Direct Auto$374
AssuranceAmerica$390
Mercury$390
Liberty Mutual$401
National General$481
Bristol West$612
Infinity$636
The General$1,202
Progressive$1,229
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 middle-aged drivers in Fort Myers

The cheapest car insurance for middle-aged drivers in Fort Myers is available through Safeco, at an average rate of $188 per month. This average is for full-coverage policies; the average rate for liability-only policies may differ.

Drivers in this age group can try to lower their premiums by maintaining a good credit history or by bundling their auto insurance policy with other coverage from the same insurer, such as a homeowners or renters insurance policy.[2]

Insurance CompanyAverage Monthly Quote
Safeco$188
Travelers$222
Progressive$231
Direct Auto$232
Mercury$259
National General$265
Midvale Home & Auto$275
AssuranceAmerica$298
Liberty Mutual$317
Infinity$362
Bristol West$420
The General$859
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.

See Also: Compare Car Insurance by Age and Gender

Cheapest car insurance for senior drivers in Fort Myers

The cheapest car insurance for senior drivers in Fort Myers is available through Travelers, at an average rate of $120 per month. This average is for full-coverage policies; the average rate for liability-only policies may differ.

Senior drivers can investigate ways to lower their rates by seeking out low-mileage discounts, raising their deductible, or reducing optional insurance on their vehicle.[2]

Insurance CompanyAverage Monthly Quote
Travelers$120
Progressive$149
Safeco$160
National General$163
Direct Auto$187
Mercury$195
Midvale Home & Auto$224
Liberty Mutual$225
Infinity$235
AssuranceAmerica$260
Bristol West$392
The General$976
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.

How credit scores affect cheap car insurance in Fort Myers

Florida is one of many states that use credit-based insurance scores to determine policy rates.[5] This process assesses a driver’s full credit history, which means that credit score can have an impact on rates. The FICO model categorizes credit scores into five categories:[6]

  • Poor: 300 to 579

  • Fair: 580 to 669

  • Good: 670 to 739

  • Very good: 740 to 799

  • Excellent: Above 799

The following table lists average monthly quotes for full-coverage policies based on credit tier.

Credit TierAverage Monthly Quote
Excellent$364
Good$428
Fair$471
Poor$729
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.

Learn More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Fort Myers

It’s important to understand that accidents aren’t the only incidents that can affect your insurance rates. Traffic violations also influence your rates, with some insurers increasing rates for both prior and new infractions. Bad driving habits, like speeding, driving under the influence, and driving with distractions like cell phones, can increase the likelihood of an accident or citation.

Cheapest car insurance with a clean record in Fort Myers: State Farm

Having a clean driving record is ideal for many insurers. Remaining accident-free is important; however, it’s also key to demonstrate to insurers that your driving habits are minimizing your risk of incurring traffic violations. Some insurers may offer discounts to drivers who maintain a clean record for an extended period of time.

Insurance CompanyClean Record
State Farm$115
GEICO$118
Allstate$200
Direct Auto$266
Mercury$283
AssuranceAmerica$294
Liberty Mutual$317
Infinity$379
Bristol West$474
The General$1,020
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 with an accident in Fort Myers: State Farm

In most cases, an insurer will raise your premiums if you’re at fault for an accident. These increased rates may remain for as long as three years, even if you have no other at-fault accidents during that time.

Insurance CompanyClean RecordAt-Fault AccidentDifference
State Farm$115$165+$50
GEICO$118$169+$51
Allstate$200$287+$87
Direct Auto$266$381+$115
Mercury$283$405+$122
AssuranceAmerica$294$422+$128
Liberty Mutual$317$455+$138
Infinity$379$543+$164
Bristol West$474$679+$205
The General$1,020$1,462+$442
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 with a DUI in Fort Myers: State Farm

Along with substantial penalty fees, license suspension, vehicle impoundment, and potential jail time, getting a DUI conviction can also raise your insurance rates.[7] In Florida, DUIs remain on a person’s driving record for 75 years.[8] This is considered a serious offense in the eyes of most insurers, and your insurance company may not renew your policy after a DUI/DWI conviction.[9]

Insurance CompanyClean RecordDUIDifference
State Farm$115$229+$114
GEICO$118$235+$117
Allstate$200$398+$198
Direct Auto$266$528+$262
Mercury$283$562+$279
AssuranceAmerica$294$585+$291
Liberty Mutual$317$631+$314
Infinity$379$754+$375
Bristol West$474$942+$468
The General$1,020$2,029+$1,009
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 with a speeding ticket in Fort Myers: State Farm

A speeding ticket may seem like a harmless offense, but speeding is a contributing factor in one-third of traffic fatalities, according to the National Highway Traffic Safety Administration.[10] Your rates may increase depending on how many speeding tickets you’ve had, how much you were exceeding the speed limit, and other factors.

Insurance CompanyClean RecordSpeeding TicketDifference
State Farm$115$154+$39
GEICO$118$158+$40
Allstate$200$268+$68
Direct Auto$266$357+$91
Mercury$283$379+$96
AssuranceAmerica$294$395+$101
Liberty Mutual$317$426+$109
Infinity$379$509+$130
Bristol West$474$636+$162
The General$1,020$1,369+$349
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.

Car insurance in other Florida cities

Check out car insurance quotes in some other Florida cities:

How to save on car insurance in Fort Myers

You can find plenty of ways to save on your car insurance in Fort Myers. For example, a senior driver may benefit from raising their deductible, while a teenage driver may benefit from maintaining good grades and a clean record.

Here are more things drivers should consider to potentially save on car insurance costs:

  1. Discounts: Many insurers offer discounts that cater to a variety of driver habits. For example, discounts for maintaining an acceptable credit score, driving a limited number of miles each year, or bundling multiple policies under a single insurer can lower your rate.

  2. Group insurance: You don’t need to seek out an insurance policy on your own. Employers, professional organizations, and groups like alum chapters may offer group plans. This may make you eligible for a lower rate with a specific insurer that wouldn’t normally be available.

  3. Comparison shopping: Shopping around for rates is one way to find the cheapest car insurance in Fort Myers. But insurers may adjust their rates or incentive programs over time, so it’s wise to compare similar policies annually. You might discover that you qualify for a lower rate simply by switching insurers while still securing a policy that meets your coverage needs.

Fort Myers driving conditions

Fort Myers is the 48th most-congested city in the United States.[11] Preliminary data shows Lee County, where Fort Myers is located, had 131 fatal car accidents in 2022, higher than the previous four years.[12]

With Florida being one of the fastest-growing states in the nation,[13] as well as a popular tourist destination, the increase in motor vehicle traffic may increase the risk of traffic accidents.

Auto theft statistics in Fort Myers

There were 154 cases of vehicle theft reported in Fort Myers in 2019, according to the FBI’s most recent Uniform Crime Reporting Program. This is a decrease from 257 reported cases in 2018 and 226 cases in 2017.[14] [15] [16]

Although this data shows a downward trend in motor vehicle theft, it’s important to remember that the UCR only displays data from reported cases. Unreported vehicle thefts aren’t included. The lack of reported data from 2020 to 2022 also makes it difficult to determine whether this trend is rising or falling.

Fort Myers car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Fort Myers.

  • The average cost of liability-only coverage in Fort Myers is $283 per month, or $3,396 per year. The average cost of full-coverage policies in Fort Myers is $427 per month, or $5,124 per year.

  • Drivers in Fort Myers must meet the minimum state-required insurance of $10,000 of PIP coverage per accident and $10,000 of property damage liability insurance.

  • Driving in Fort Myers without insurance is a ticketable offense. Drivers who can’t maintain at least the minimum state-required insurance coverage may have their license and registration suspended and may need to pay a reinstatement fee of as much as $500. The suspension could last up to three years.[17]

  • In Fort Myers, State Farm offers the cheapest liability-only policy, at an average of $1,140 per year, and the cheapest full-coverage policy, at an average of $1,380 per year. GEICO offers the second-lowest rates in Fort Myers, with an annual average of $1,236 for liability-only coverage and $1,416 for full-coverage policies. For senior drivers, Travelers offers the cheapest annual rates, at an average of $1,440.

  • State Farm and GEICO each have an Insurify Composite Score of 88, ranking highest among insurers in Fort Myers. State Farm’s liability-only policies can be as low as $95 per month, while GEICO’s liability-only policies may be as low as $103 per month.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. III. "What determines the price of an auto insurance policy?." Accessed January 10, 2023
  2. III. "How to save money on car insurance." Accessed January 10, 2023
  3. Centers for Disease Control. "Teen Drivers and Passengers: Get the Facts ." Accessed January 10, 2023
  4. III. "Auto insurance for teen drivers." Accessed January 10, 2023
  5. III. "Background on: Credit scoring." Accessed January 11, 2023
  6. Experian. "What Is a Good Credit Score?." Accessed January 11, 2023
  7. Florida Department of Highway Safety and Motor Vehicles. "Florida DUI and Administrative Suspension Laws." Accessed January 11, 2023
  8. Florida Department of Highway Safety and Motor Vehicles. "Impaired Driving." Accessed January 11, 2023
  9. III. "Do auto insurance premiums go up after a claim?." Accessed January 11, 2023
  10. NHTSA. "Speeding and Aggressive Driving Prevention." Accessed January 11, 2023
  11. INRIX. "2022 Traffic Scorecard Report." Accessed January 11, 2023
  12. Florida Department of Highway Safety and Motor Vehicles. "Crash Dashboard." Accessed January 11, 2023
  13. Census.gov. "Growth in U.S. Population Shows Early Indication of Recovery Amid COVID-19 Pandemic." Accessed January 11, 2023
  14. FBI. "Offenses Known to Law Enforcement by City, 2019." Accessed January 11, 2023
  15. Fbi.gov. "Offenses Known to Law Enforcement by City, 2018." Accessed January 11, 2023
  16. Fbi.gov. "Offenses Known to Law Enforcement by City, 2017." Accessed January 11, 2023
  17. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements." Accessed January 11, 2023
Nick Dauk
Written by
Nick Dauk
Linkedin

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio.