Cheapest Auto Insurance in Fort Myers, Florida (2024)
State Farm offers the cheapest car insurance in Fort Myers, with minimum-coverage policies as low as $64 per month.
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Written byJacqueline DeMarco
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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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Edited byCourtney Mikulski
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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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Data reviewed byKonstantin Halachev
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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 October 30, 2024
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Table of contents
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 $174 per month for liability-only insurance and $250 per 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 higher than the national average of $211 but lower than the statewide monthly average of $257.
State Farm, GEICO, and Hugo have the cheapest car insurance in Fort Myers.
Fort Myers drivers pay a yearly average of $2,996 for full-coverage car insurance.
3 of the cheapest 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.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $83 | $66 | Full coverage |
| GEICO | 9.0 | $85 | $68 | Mobile policy management |
| Allstate | 8.9 | $145 | $115 | Drivers with clean records |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for full coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $64/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 |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for mobile policy management: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| 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. | $66/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. | $78/mo |
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for drivers with clean records: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| 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. | $112/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. | $131/mo |
4.0
Best choiceBased on 5531 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,016)
Howard
October 29, 2024
Verified Review
They Have You By The Short Hairs
I was on a three-lane highway in heavy traffic and couldn't avoid a piece of metal in my lane. I couldn't swerve or I would have hit other cars. Allstate said the accident was the driver's fault and then doubled my insurance cost.
Hugh
October 29, 2024
Verified Review
Actual Crash Damages vs. Damages Quoted Over the Phone
There were problems getting the correct amount paid out when I made a claim. I had to escalate the issue to the Senior Vice President to get a proper settlement when a deer hit my truck. There was a $5000 difference between what was paid out when the estimator assessed the value of damage to my truck and the actual estimate done by a local car dealership. The Senior Vice President agreed that the amount of damage done was the amount quoted by the local car dealership.
Miriam
October 29, 2024
Verified Review
Best Overall
Check around before choosing. Allstate has been my choice for years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
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
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 Cheap Car Insurance in Fort Myers
Liability rates start at $64 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Fort Myers: State Farm
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 average rate for liability-only coverage in Fort Myers is $174 per month. 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $64 |
| GEICO | $66 |
| Hugo | $70 |
| Mile Auto | $111 |
| Allstate | $112 |
| Safeco | $126 |
| Travelers | $133 |
| Mercury | $134 |
| Liberty Mutual | $139 |
| Direct Auto | $143 |
| Midvale Home & Auto | $163 |
| Progressive | $167 |
| Infinity | $172 |
| Foremost | $190 |
| Dairyland | $198 |
| GAINSCO | $200 |
| AssuranceAmerica | $222 |
| Bristol West | $237 |
| National General | $269 |
| The General | $285 |
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: State Farm
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.
The average rate for full coverage in Fort Myers is $250 per month.
Here are the cheapest full-coverage car insurance companies in Fort Myers, Florida.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $75 |
| GEICO | $78 |
| Allstate | $131 |
| Safeco | $152 |
| Mile Auto | $155 |
| Travelers | $156 |
| Mercury | $161 |
| GAINSCO | $222 |
| Hugo | $233 |
| Liberty Mutual | $235 |
| Progressive | $236 |
| Infinity | $239 |
| Midvale Home & Auto | $245 |
| Direct Auto | $258 |
| National General | $280 |
| Foremost | $288 |
| Dairyland | $349 |
| AssuranceAmerica | $352 |
| Bristol West | $352 |
| The General | $413 |
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 recent rates near Fort Myers, Florida
Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $71/mo for full coverage in Fort Myers and other Florida cities.
*Quotes generated for Insurify users in and around Fort Myers, Florida within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. 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 October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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:[4]
Coverage ▲▼ | Minimum 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:
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.
Comprehensive coverage
Comprehensive coverage pays for theft and damages from events other than collisions, such as fire, vandalism, falling objects, and natural disasters.
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.
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.
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.
Compare Fort Myers Car Insurance Quotes
Monthly rates start at $74 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
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.
Drivers in Fort Myers pay an average of $211 per month for liability coverage if they have a speeding ticket on their record. But it is possible to find more affordable coverage.
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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $64 | $76 |
| GEICO | $66 | $79 |
| Hugo | $70 | $83 |
| Mile Auto | $111 | $137 |
| Allstate | $112 | $134 |
| Safeco | $126 | $153 |
| Travelers | $133 | $161 |
| Mercury | $134 | $173 |
| Liberty Mutual | $139 | $181 |
| Direct Auto | $143 | $171 |
| Progressive | $167 | $200 |
| Infinity | $172 | $215 |
| Foremost | $190 | $248 |
| Dairyland | $198 | $238 |
| GAINSCO | $200 | $261 |
| AssuranceAmerica | $222 | $269 |
| Bristol West | $237 | $284 |
| National General | $269 | $324 |
| The General | $285 | $346 |
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: State Farm
Lee County reported more than 14,000 car accidents in 2021.[5] 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.
Fort Myers drivers with an accident on their record pay an average of $228 per month for liability coverage.
Here you can see 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $64 | $82 |
| GEICO | $66 | $85 |
| Hugo | $70 | $97 |
| Mile Auto | $111 | $150 |
| Allstate | $112 | $144 |
| Safeco | $126 | $158 |
| Travelers | $133 | $172 |
| Mercury | $134 | $184 |
| Liberty Mutual | $139 | $192 |
| Direct Auto | $143 | $188 |
| Progressive | $167 | $217 |
| Infinity | $172 | $217 |
| Foremost | $190 | $262 |
| Dairyland | $198 | $253 |
| GAINSCO | $200 | $246 |
| AssuranceAmerica | $222 | $283 |
| Bristol West | $237 | $302 |
| National General | $269 | $348 |
| The General | $285 | $373 |
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: State Farm
Lee County experienced a 32% increase in alcohol-related car crashes but a 25% decrease in drug-related car crashes between 2020 and 2021.[5] A DUI conviction can have a profound effect on your car insurance rates. Fort Myers drivers with a DUI on their record pay a monthly average of $263 for liability coverage.
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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $64 | $101 |
| GEICO | $66 | $104 |
| Hugo | $70 | $111 |
| Mile Auto | $111 | $175 |
| Allstate | $112 | $177 |
| Safeco | $126 | $199 |
| Travelers | $133 | $210 |
| Mercury | $134 | $193 |
| Liberty Mutual | $139 | $220 |
| Direct Auto | $143 | $226 |
| Progressive | $167 | $264 |
| Infinity | $172 | $272 |
| Foremost | $190 | $300 |
| Dairyland | $198 | $313 |
| GAINSCO | $200 | $316 |
| AssuranceAmerica | $222 | $351 |
| Bristol West | $237 | $375 |
| National General | $269 | $425 |
| The General | $285 | $451 |
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: State Farm
Your age significantly affects your car insurance rates. As you gain experience and reach your mid-30s, rates generally decrease. But around age 70, premiums may increase slightly due to factors like potential health concerns and higher accident risks.[6] But senior drivers still often pay lower average rates compared to other driving age groups.
The average liability rate for seniors in Fort Myers is $139 per month.
Here you can see the cheapest companies in Fort Myers for senior drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $57 | $49 |
| GEICO | $61 | $52 |
| Allstate | $104 | $88 |
| Mile Auto | $115 | $83 |
| Travelers | $120 | $103 |
| Mercury | $123 | $102 |
| Safeco | $126 | $104 |
| Progressive | $166 | $118 |
| Infinity | $179 | $129 |
| Hugo | $182 | $55 |
| GAINSCO | $183 | $165 |
| Liberty Mutual | $193 | $114 |
| Direct Auto | $198 | $110 |
| National General | $212 | $203 |
| Foremost | $225 | $148 |
| AssuranceAmerica | $262 | $165 |
| Dairyland | $274 | $155 |
| Bristol West | $277 | $187 |
| The General | $331 | $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 teens: State Farm
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. In Fort Myers, for example, teens pay an average of $283 per month for liability coverage.
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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| GEICO | $119 | $101 |
| State Farm | $123 | $105 |
| Allstate | $224 | $191 |
| Travelers | $272 | $232 |
| Mercury | $279 | $233 |
| Mile Auto | $291 | $209 |
| Safeco | $295 | $244 |
| Hugo | $367 | $110 |
| GAINSCO | $374 | $337 |
| Liberty Mutual | $402 | $238 |
| Progressive | $406 | $287 |
| Infinity | $420 | $302 |
| Direct Auto | $454 | $252 |
| Foremost | $495 | $326 |
| National General | $535 | $514 |
| Dairyland | $552 | $313 |
| Bristol West | $574 | $387 |
| AssuranceAmerica | $628 | $396 |
| The General | $634 | $437 |
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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Fort Myers car insurance quotes by credit tier
Florida insurers can take your credit history into account when setting insurance rates, but they can’t only use your score to determine premiums.[7] Insurance companies argue that your credit score indicates your risk of filing a claim. Fort Myers drivers with excellent or good credit scores 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 $104 for liability-only coverage and $211 for full coverage. In Fort Myers, the costs are an average of $174 per month for liability only and $250 per 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.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Cape Coral | $248 | $180 |
| Clearwater | $264 | $218 |
| Fort Lauderdale | $325 | $249 |
| Jacksonville | $266 | $187 |
| Miami | $373 | $258 |
| Ocala | $230 | $158 |
| Orlando | $289 | $202 |
| Pensacola | $256 | $160 |
| Tallahassee | $240 | $152 |
| Tampa | $362 | $293 |
| Winter Haven | $293 | $201 |
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 $174 per month for liability-only coverage and $250 per month for full coverage.
Which company has the cheapest car insurance in Fort Myers?
State Farm offers the cheapest rates in Fort Myers, starting at $64 per month for liability coverage. GEICO and Hugo also offer low rates in the area, at $66 and $70, respectively.
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 AM 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.[5]
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
- 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.
Related articles
More cities in Florida
Sources
- Lee County Visitor & Convention Bureau. "2022: The Value of Tourism: Lee County Tourism Highlights."
- National Hurricane Center. "Hurricane Ian."
- U.S. Census Bureau. "QuickFacts: Fort Myers city, Florida."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Florida Department of Highway Safety and Motor Vehicles. "Traffic Crash Facts Annual Report 2021."
- III. "Senior driving safety and insurance tips."
- The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
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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 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.
Featured in
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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