Fort Myers, FL Auto Insurance (2024)
The average Fort Myers, FL auto insurance rates are $337 per month. The minimum auto insurance in Fort Myers is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Fort Myers, Florida, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Fort Myers is USAA
- Average auto insurance rates in Fort Myers, FL for senior drivers are $2,463 per year
- The minimum auto insurance required in Fort Myers, Florida is 10/20/10
Fort Myers, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Fort Myers can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fort Myers, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Fort Myers to other Florida cities, including Port St. Lucie auto insurance rates, Cape Coral auto insurance rates, and St. Petersburg auto insurance rates to see how Fort Myers, Florida auto insurance rates stack up.
Before you buy Fort Myers, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fort Myers, Florida auto insurance quotes.
Minimum Auto Insurance in Fort Myers, Florida
Fort Myers, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Fort Myers, Florida.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Fort Myers, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Fort Myers, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,848 | $3,639 | $3,327 | $3,360 | $12,998 | $13,953 | $3,796 | $3,825 |
| Geico | $2,785 | $2,801 | $2,606 | $2,606 | $4,991 | $6,331 | $3,074 | $3,140 |
| Liberty Mutual | $3,207 | $3,207 | $2,943 | $2,943 | $6,704 | $10,293 | $3,207 | $4,326 |
| Nationwide | $2,591 | $2,553 | $2,312 | $2,392 | $6,176 | $7,581 | $2,846 | $2,953 |
| Progressive | $3,455 | $3,267 | $2,974 | $3,184 | $9,770 | $10,699 | $4,174 | $4,018 |
| State Farm | $1,773 | $1,773 | $1,610 | $1,610 | $4,986 | $6,352 | $1,967 | $2,097 |
| USAA | $1,403 | $1,378 | $1,313 | $1,301 | $4,844 | $5,619 | $1,753 | $1,891 |
Cheap Fort Myers, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Fort Myers, Florida is a challenge. Take a look at the annual teen auto insurance rates in Fort Myers, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,998 | $13,953 |
| Geico | $4,991 | $6,331 |
| Liberty Mutual | $6,704 | $10,293 |
| Nationwide | $6,176 | $7,581 |
| Progressive | $9,770 | $10,699 |
| State Farm | $4,986 | $6,352 |
| USAA | $4,844 | $5,619 |
Cheap Fort Myers, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Fort Myers, Florida? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,327 | $3,360 |
| Geico | $2,606 | $2,606 |
| Liberty Mutual | $2,943 | $2,943 |
| Nationwide | $2,312 | $2,392 |
| Progressive | $2,974 | $3,184 |
| State Farm | $1,610 | $1,610 |
| USAA | $1,313 | $1,301 |
Cheap Fort Myers, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fort Myers, Florida compared to the annual auto insurance rates with a clean record in Fort Myers, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,261 | $6,306 | $6,975 | $5,832 |
| Geico | $2,486 | $3,160 | $4,674 | $3,848 |
| Liberty Mutual | $3,329 | $4,312 | $6,241 | $4,533 |
| Nationwide | $3,140 | $3,446 | $4,631 | $3,485 |
| Progressive | $4,100 | $6,065 | $5,102 | $5,503 |
| State Farm | $2,533 | $3,009 | $2,771 | $2,771 |
| USAA | $1,904 | $2,356 | $3,494 | $1,997 |
Cheap Fort Myers, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Fort Myers, Florida is not easy. Compare the annual rates for DUI auto insurance in Fort Myers, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,975 |
| Geico | $4,674 |
| Liberty Mutual | $6,241 |
| Nationwide | $4,631 |
| Progressive | $5,102 |
| State Farm | $2,771 |
| USAA | $3,494 |
Cheap Fort Myers, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Fort Myers, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,518 | $5,390 | $4,371 |
| Geico | $5,138 | $3,128 | $2,360 |
| Liberty Mutual | $5,914 | $4,355 | $3,542 |
| Nationwide | $4,608 | $3,373 | $3,046 |
| Progressive | $6,758 | $4,807 | $4,013 |
| State Farm | $3,793 | $2,484 | $2,036 |
| USAA | $3,952 | $1,945 | $1,417 |
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Cheap Fort Myers, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Fort Myers, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Fort Myers, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 33901 | $3,135 |
| 33907 | $3,077 |
| 33908 | $3,077 |
| 33912 | $3,135 |
| 33913 | $3,142 |
| 33916 | $3,142 |
| 33965 | $3,085 |
| 33966 | $3,143 |
| 33967 | $3,085 |
| 33971 | $3,216 |
Cheap Fort Myers, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Fort Myers, Florida auto insurance. Find the cheapest annual Fort Myers, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,922 | $6,264 |
| Geico | $3,524 | $3,560 |
| Liberty Mutual | $4,457 | $4,751 |
| Nationwide | $3,676 | $3,676 |
| Progressive | $5,193 | $5,193 |
| State Farm | $2,675 | $2,867 |
| USAA | $2,411 | $2,465 |
Cheap Fort Myers, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Fort Myers, Florida? Check out the comparison of annual Fort Myers, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,898 | $6,365 | $7,017 |
| Geico | $2,902 | $3,667 | $4,057 |
| Liberty Mutual | $4,236 | $4,670 | $4,905 |
| Nationwide | $2,962 | $3,810 | $4,255 |
| Progressive | $4,378 | $5,310 | $5,891 |
| State Farm | $2,384 | $2,835 | $3,094 |
| USAA | $2,098 | $2,527 | $2,688 |
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Best By Category: Cheapest Auto Insurance in Fort Myers, Florida
Compare the cheapest auto insurance companies in Fort Myers, Florida in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Fort Myers, Florida Auto Insurance Companies
What auto insurance companies in Fort Myers, Florida are the cheapest? Compare the top Fort Myers, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,093 |
| Geico | $3,542 |
| Liberty Mutual | $4,604 |
| Nationwide | $3,676 |
| Progressive | $5,193 |
| State Farm | $2,771 |
| USAA | $2,438 |
What affects auto insurance rates in Fort Myers, Florida?
There are a lot of reasons why auto insurance rates in Fort Myers, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fort Myers, Florida. Many local factors may affect your Fort Myers auto insurance rates.
Fort Myers Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Fort Myers, Florida auto theft statistics, there have been 257 auto thefts in the city.
Fort Myers Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fort Myers, Florida commute length is 27.2 minutes according to City-Data.
Fort Myers Traffic
How does Fort Myers, Florida rank for traffic? According to Inrix Fort Myers, Florida is the 521st most congested worldwide.
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Compare Fort Myers, Florida Auto Insurance Quotes
Before you buy Fort Myers, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fort Myers, Florida auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Fort Myers, FL?
Yes, auto insurance is mandatory in Fort Myers, FL, as it is in most states. Florida law requires drivers to have a minimum coverage of $10,000 for personal injury protection (PIP) and $10,000 for property damage liability (PDL).
What does personal injury protection (PIP) cover?
Personal injury protection (PIP) coverage helps pay for medical expenses, lost wages, and other related costs if you or your passengers are injured in an accident, regardless of who is at fault.
What does property damage liability (PDL) cover?
Property damage liability (PDL) coverage helps pay for damages to someone else’s property, such as their vehicle or a building, if you are at fault in an accident.
What are the other types of coverage available in auto insurance?
In addition to PIP and PDL, other common types of coverage include bodily injury liability (BIL), uninsured/underinsured motorist coverage (UM/UIM), comprehensive coverage, and collision coverage. These provide various levels of protection for different situations.
What factors affect auto insurance premiums in Fort Myers, FL?
Auto insurance premiums are determined by several factors, including your driving history, age, type of vehicle, location, credit score, and the coverage limits and deductibles you choose.
How can I save money on auto insurance?
To potentially save money on auto insurance, consider maintaining a clean driving record, bundling multiple insurance policies with the same company, increasing deductibles, taking advantage of discounts (such as for safe driving or low mileage), and comparing quotes from different insurers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.