120+ more*Quotes generated for Insurify users in and around Fort Myers, Florida within the last 10 days. Last updated on May 21, 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 May 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
The average cost of car insurance in Fort Myers is $128 per month for liability coverage and $216 for full coverage. Rates are higher than in other Southwest Florida cities, like Cape Coral and Naples, but lower than in Tampa.
Car insurance costs more in Fort Myers compared to many other Florida cities, partly due to hurricanes and flooding. For example, in 2022, Hurricane Ian produced 10–15 feet of storm surge in Fort Myers Beach, washing away roads and bridges to Sanibel and Pine Islands.[1]
Fort Myers is also densely populated, with 2,169 people per square mile, substantially higher than the state average of 401.[2] The city has seen an almost 17% increase in population since 2020 and accounts for about 12% of Lee County’s population.[3]
Liability quotes start at $70/mo.
Florida car insurance requirements include $10,000 in property damage liability (PDL) and $10,000 in personal injury protection (PIP).[4] Liability-only coverage in Fort Myers is comparable to the Florida state average of $136 per month.
Full coverage, on the other hand, costs less in Fort Myers than the state average of $234 per month and offers greater protection than liability-only coverage.
The Cape Coral-Fort Myers area ranked 113th nationally for vehicle theft volume in the first half of 2025. Consider adding comprehensive coverage (included with full coverage) to protect your vehicle against theft.
Progressive has the cheapest quotes for liability coverage, while State Farm offers the lowest rates for full coverage.
The following table shows the cheapest liability-only and full-coverage car insurance quotes in Fort Myers.
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Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Progressive | $70 | $131 |
| State Farm | $75 | $121 |
| Mile Auto | $76 | $142 |
| Clearcover | $77 | $190 |
| GEICO | $86 | $172 |
| Dairyland | $90 | $290 |
| Embark | $96 | $231 |
| Infinity | $98 | $211 |
| Mercury | $108 | $167 |
| Direct Auto | $110 | $189 |
| GAINSCO | $111 | $260 |
| The General | $117 | $223 |
| Bristol West | $126 | $200 |
| Allstate | $130 | $211 |
| AssuranceAmerica | $132 | $239 |
| National General | $133 | $178 |
| Root | $136 | $250 |
| Travelers | $155 | $250 |
| Mendota | $205 | $321 |
| First Acceptance | $211 | $310 |
| Liberty Mutual | $212 | $276 |
Miami Gardens and Boynton Beach are the most expensive cities for car insurance in Florida, while Venice and Milton are the cheapest, according to Insurify data.
Fort Myers’ premiums sit slightly below the Florida state average, but they’re generally more affordable than Tampa — partly due to its lower population density and fewer vehicle thefts. Tampa ranked 42nd nationally in vehicle theft volume in the first half of 2025, while Fort Myers ranked 113th, according to the National Insurance Crime Bureau.
The table below compares Florida insurance rates across several major cities.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $163 |
| Clearwater | $172 |
| Davenport | $183 |
| Daytona Beach | $173 |
| Fort Lauderdale | $211 |
| Fort Myers | $172 |
| Gainesville | $152 |
| Jacksonville | $180 |
| Jupiter | $159 |
| Lakeland | $171 |
| Melbourne | $157 |
| Miami | $229 |
| Miami-Gardens | $258 |
| Naples | $160 |
| Ocala | $163 |
| Orlando | $200 |
| Palm Bay | $163 |
| Panama City | $147 |
| Pensacola | $158 |
| Pompano Beach | $209 |
| Riverview | $210 |
| St. Petersburg | $181 |
| Sarasota | $151 |
| Spring Hill | $191 |
| Tallahassee | $161 |
| Tampa | $231 |
| Venice | $130 |
| West Palm Beach | $213 |
| Winter Haven | $175 |
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Fort Myers sees more than five million visitors annually, with its peak tourist season running from January 15 through April. The city’s two main north-south corridors, I-75 and US-41, experience significant congestion during peak season.[5] [6] With more than one million projected residents by 2045, these corridors could become even more congested.[7]
Drivers should also watch for flooded roads, especially in Special Flood Hazard Areas, where prolonged rain — not just tropical storms — can cause flooding. Lee County has installed sensors in flood-prone areas, including Downtown Fort Myers and Pine Island, to monitor water levels.
Florida also has the seventh-highest uninsured motorist rate in the nation, with more than one in five drivers on the road without insurance.[8] Uninsured motorist coverage may be worth adding to your car insurance policy in Fort Myers in case you’re involved in an accident with one of these drivers.
More than 4% of Fort Myers drivers have an accident on their record, according to Insurify data. Florida is a no-fault state, so car insurance laws require PIP to pay for medical bills after a car accident, regardless of who caused the crash.
Insurify data also shows that less than 1% of Fort Myers drivers have a driving under the influence (DUI) conviction. Lee County ranked fourth in Florida for impaired driving crashes in March 2022, according to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).
An incident on your driving record could lead insurers to classify you as high risk and charge higher insurance rates. Below, you can compare average monthly rates by driving record in Fort Myers.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $172 |
| Speeding ticket | $200 |
| At-fault accident | $219 |
| DUI | $226 |
Florida’s senior population is higher than the national average — and Fort Myers is even higher than the state average, with about 23% of residents 65 or older. Senior drivers pay less for auto coverage in Fort Myers than other age groups. They can lower insurance premiums further by taking a state-approved Mature Driver Discount course.
Teen drivers, on the other hand, pay the highest rates in Fort Myers. Even though teens make up only about 5% of licensed drivers, 11% of crashes in Florida involve a teen, according to FLHSMV.
You can compare quotes for the cheapest car insurance in Fort Myers across different age groups below.
Age | Average Monthly Quote |
|---|---|
| Teens | $270 |
| 20s | $191 |
| 30s | $170 |
| 40s | $163 |
| 50s | $151 |
| 60s | $140 |
| 70+ | $147 |
*Quotes generated for Insurify users in and around Fort Myers, Florida within the last 10 days. Last updated on May 21, 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 May 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The following information can help you compare coverage options and find the best car insurance policy for you.
Progressive, State Farm, and Mile Auto offer the cheapest car insurance in Fort Myers. Rates vary by person, so check with your insurance agent to find the right coverage and price for you.
Progressive tends to offer more affordable car insurance in Fort Myers than GEICO. But you should request an online quote from each or speak to a local agent to determine which insurance company is cheaper for you.
On average, car insurance in Fort Myers costs $128 per month for liability coverage and $216 per month for full coverage. To see what your personalized rate would be, request car insurance quotes from multiple insurance companies.
Several factors affect the cost of auto insurance in Fort Myers, including your age, gender, and vehicle. But Fort Myers drivers also need to consider local risks like severe weather, congestion, and uninsured drivers.
In Florida, State Farm offers the most affordable full-coverage car insurance, while Progressive has the most affordable liability coverage. An insurance agent can help you determine your insurance needs and find the best coverage.
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:
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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5+ years experience in personal finance writing
Personal finance blogger
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
7+ years experience in data analysis
Ph.D. in Computational Biology
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