Best Cheap Auto Insurance in Fort Myers, Florida (2023)

Fort Myers’ history of hurricanes and a thriving tourism industry contribute to its higher-than-average car insurance rates compared to the rest of the country.

Jacqueline DeMarco
Jacqueline DeMarco
  • 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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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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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 November 17, 2023 at 6:30 AM PST

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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 $305 a month for liability-only insurance and $385 a 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 124% more than the national average but 12% lower than the state average.

  • Car insurance companies in Florida can use your credit score to determine rates, so maintaining good credit can help you find affordable car insurance.[4]

  • Florida’s minimum car insurance requirements include personal injury protection instead of bodily injury liability coverage.[5]

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Best 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.

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.
$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

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

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023
Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023
Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023
Verified
Read our State Farm review

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.
$65/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.
$75/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

Unwilling to work with clients. Especially senior citizens on a fixed income.

Janina - September 10, 2023
Verified

Awesome customer service, good prices, easy to deal with.

Kathleen - September 9, 2023
Verified

Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.

James - September 7, 2023
Verified
Read our GEICO review

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.
$109/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.
$126/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

Handled a claim ok, but they keep raising my price every 6 months.

Brigitte - September 13, 2023
Verified

Failure to allow me to reinstate my overage.

Joseph - September 9, 2023
Verified

Poor service. Hard to access online accounts.

Peter - September 3, 2023
Verified
Read our Allstate review

Cheapest liability-only car insurance in Fort Myers

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 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: Tuesday, November 7 at 11:00 AM PST
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 Farm63
GEICO65
Hugo70
Allstate109
Mile Auto116
Safeco129
Travelers130
Mercury143
Liberty Mutual148
Direct Auto151
Midvale Home & Auto161
Progressive170
Infinity181
Dairyland194
GAINSCO198
Foremost202
AssuranceAmerica209
Bristol West256
The General289
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

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.

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

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
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 Farm73
GEICO75
Hugo78
Allstate126
Travelers150
Mile Auto159
Mercury164
Safeco176
GAINSCO199
Direct Auto211
Liberty Mutual219
Midvale Home & Auto230
Infinity236
Progressive236
Foremost260
AssuranceAmerica279
National General283
Dairyland347
Bristol West363
The General401
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:[5]

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.

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Cheapest car insurance for drivers with a speeding ticket

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.

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: Tuesday, November 7 at 11:00 AM PST
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 Quote: Full CoverageAverage Quote: Liability Only
State Farm8574
GEICO8876
Hugo9182
Allstate147127
Travelers175152
Mile Auto186135
Mercury192167
Safeco206151
GAINSCO232231
Direct Auto246176
Liberty Mutual256173
Midvale Home & Auto269188
Infinity276211
Progressive276199
Foremost304236
AssuranceAmerica326244
Dairyland405227
Bristol West424299
The General468338
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

Lee County reported more than 14,000 car accidents in 2021.[6] 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.

Here are 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: Tuesday, November 7 at 11:00 AM PST
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 Quote: Full CoverageAverage Quote: Liability Only
State Farm9280
GEICO9582
Hugo9989
Allstate160138
Travelers190165
Mile Auto201147
Mercury208181
Safeco223163
GAINSCO252251
Direct Auto267191
Liberty Mutual277187
Midvale Home & Auto291204
Infinity299229
Progressive299215
Foremost329256
AssuranceAmerica353265
Dairyland440246
Bristol West460324
The General508366
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

Lee County experienced a 32% increase in alcohol-related car crashes but a 25% decrease in drug-related car crashes between 2020 and 2021.[6] A DUI conviction can have a profound effect on your car insurance rates. 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: Tuesday, November 7 at 11:00 AM PST
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 Quote: Full CoverageAverage Quote: Liability Only
State Farm10792
GEICO11095
Hugo114103
Allstate185160
Travelers220191
Mile Auto233170
Mercury241210
Safeco258189
GAINSCO292290
Direct Auto309221
Liberty Mutual321217
Midvale Home & Auto337236
Infinity346265
Progressive346249
Foremost381296
AssuranceAmerica409307
Dairyland509285
Bristol West532375
The General588424
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

Your age significantly affects your car insurance rates. As you gain experience and reach your mid-30s, rates generally decrease. However, around the age of 75, premiums may increase slightly due to factors like potential health concerns and higher accident risks.[7] But senior drivers still often pay lower average rates compared to other driving age groups.

The table below includes the cheapest companies in Fort Myers for senior drivers.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
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 Quote: Full CoverageAverage Quote: Liability Only
State Farm5144
GEICO5245
Hugo5449
Allstate8876
Travelers10491
Mile Auto11181
Mercury114100
Safeco12390
GAINSCO139138
Direct Auto147105
Liberty Mutual153103
Midvale Home & Auto160112
Infinity164126
Progressive164118
Foremost181141
AssuranceAmerica194146
Dairyland242135
Bristol West253178
The General279201
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

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. 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: Tuesday, November 7 at 11:00 AM PST
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 Quote: Full CoverageAverage Quote: Liability Only
State Farm11297
GEICO115100
Hugo120108
Allstate194167
Travelers230200
Mile Auto244178
Mercury252220
Safeco270198
GAINSCO306304
Direct Auto324232
Liberty Mutual336227
Midvale Home & Auto353247
Infinity363278
Progressive363261
Foremost399310
AssuranceAmerica429321
Dairyland533298
Bristol West558393
The General616444
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 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 Car Insurance in Fort Myers

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Fort Myers car insurance quotes by credit tier

Florida insurers can take your credit score and history into account when setting insurance rates, but they can’t only use your score to determine premiums.[4] Insurance companies argue that your credit score indicates your risk of filing a claim. Fort Myers drivers with excellent or good credit scores tend to 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 $106 for liability-only coverage and $172 for full coverage. In Fort Myers, the costs are an average of $305 a month for liability only and $385 a 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.

CityAverage Monthly QuoteCompared to Fort Myers
Fort Lauderdale$47624%
Hollywood$46220%
Jacksonville$45719%
Kissimmee$46120%
Lakeland$44415%
Miami$50832%
Ocala$3891%
Orlando$47824%
St. Petersburg$45318%
Tampa$56045%
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 $305 a month for liability only and $385 a month for full coverage.

  • 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 A.M. 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.[6] 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." Accessed August 2, 2023
  2. National Hurricane Center. "Hurricane Ian." Accessed August 2, 2023
  3. U.S. Census Bureau. "QuickFacts: Fort Myers city, Florida." Accessed August 2, 2023
  4. The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.." Accessed August 2, 2023
  5. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements." Accessed August 2, 2023
  6. Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021." Accessed August 2, 2023
  7. III. "Senior driving safety and insurance tips." Accessed August 2, 2023
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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