Cheap Quotes for Fort Myers, FL Car Insurance (2021)

Fort Myers, Florida car insurance rates average $337 a month and Florida law requires coverage of at least 10/20/10. By comparing rates from multiple Fort Myers, FL companies, you can find cheap Fort Myers car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Fort Myers, FL for senior drivers are $2,463/year
  • Average car insurance rates in Fort Myers, FL after a DUI are $4,841/year
  • Average car insurance rates in Fort Myers, FL are $337/month

How do the Fort Myers, Florida monthly average car insurance rates of $337/month compare to nearby cities like St. Petersburg car insurance rates, Tampa car insurance rates, and Tallahassee car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Fort Myers, FL.

We’ll cover the Florida minimum coverage requirements, Florida car insurance laws, and Fort Myers, FL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Fort Myers, Florida companies to find the most affordable Fort Myers car insurance rates.

Enter your ZIP code above to find cheap Fort Myers, FL car insurance quotes today.

What are the minimum Fort Myers, FL car insurance requirements?

To meet Florida minimum car insurance coverage requirements, Fort Myers, FL drivers need to carry at least 10/20/10 coverage.

Minimum Required Car Insurance Coverage 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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Average Fort Myers, FL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Fort Myers, FL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Fort Myers, Florida

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

How do age, gender, and marital status affect Fort Myers, FL car insurance rates?

Three of the criteria that most affect car insurance rates in Fort Myers, Florida are age, gender, and marital status. Let’s take a look at how each of these stack up with top Fort Myers car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fort Myers, Florida

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

How much do teen drivers pay for car insurance in Fort Myers, FL?

Fort Myers, Florida car insurance rates for teens are often higher than rates for other drivers. Compare Fort Myers car insurance rates from multiple Fort Myers, Florida car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers 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

How much do senior drivers pay for car insurance in Fort Myers, FL?

With a little research, seniors can find affordable car insurance in Fort Myers, Florida. Here’s a look at how the top Fort Myers car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Fort Myers, Florida

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

How does coverage level affect Fort Myers, FL car insurance rates?

How much coverage do you need? Are you comfortable with the Florida minimum of 10/20/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Fort Myers, FL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Fort Myers, Florida

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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How does your driving record affect Fort Myers, FL car insurance rates?

Safe driving pays off. The more traffic violations you have in Fort Myers, FL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Fort Myers, Florida companies.

Annual Fort Myers, Florida Car Insurance Rates by Driving Record

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

How does a DUI affect Fort Myers, FL car insurance rates?

With even one DUI on your record, you can see an increase in your Fort Myers, FL car insurance rates.

Annual Car Insurance Rates After a DUI in Fort Myers, Florida

Insurance Company Annual Car 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

How does your credit history affect Fort Myers, FL car insurance rates?

Take a look at the data here to see how your Fort Myers, Florida car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Fort Myers, Florida

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

How does your commute affect Fort Myers, FL car insurance rates?

Fort Myers, FL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Florida can be seen here. Remember, though, that you may have to carry substantially more car insurance in Fort Myers if you’re financing.

Annual Car Insurance Rates by Commute Length in Fort Myers, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

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Who has the cheapest Fort Myers, FL car insurance rates?

Here’s a breakdown of Fort Myers, Florida car insurance rates by company. You can see which company offers the cheapest Fort Myers car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Fort Myers, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

What are the top Fort Myers, FL car insurance companies?

Which Fort Myers, Florida car insurance company will best fit your needs and budget? Check out this comparison of the top Fort Myers companies to find the one for you.

Average Annual Car Insurance Rates by Company in Fort Myers, Florida

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 factors affect Fort Myers, FL car insurance rates?

Why are Fort Myers, Florida car insurance rates different than rates in St. Petersburg or Tampa? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Fort Myers, FL?

FBI statistics show that the Fort Myers, Florida car theft rate is 257 thefts each year. High theft rates can lead to higher than average Fort Myers, FL car insurance rates.

How long is the average commute in Fort Myers, FL?

More time spent behind the wheel can lead to higher Fort Myers, Florida car insurance rates. In Fort Myers, FL, the average commute length is 27.2 minutes.

What is the traffic like in Fort Myers, FL

Like commute length, time spent in traffic also increase risk of accidents. Fort Myers, FL is listed as 521st in INRIX congested cities data.

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Car Insurance Quotes for Fort Myers, FL

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