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

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.

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.

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:

• $10,000 per accident for property damage liability

• $10,000 per accident for personal injury protection (PIP) coverage

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.

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]

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]

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]

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.

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.

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.

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]

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.

Car insurance in other Florida cities

Check out car insurance quotes in some other Florida cities:

• Cheapest Car Insurance Quotes in Tampa, FL

• Cheapest Car Insurance Quotes in Miami, FL

• Cheapest Car Insurance Quotes in Orlando, FL

• Cheapest Car Insurance Quotes in Lakeland, FL

• Cheapest Car Insurance Quotes in Jacksonville, FL

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