Car Insurance In Fort Myers, FL For 2024
GEICO is noted as the most affordable choice in Fort Myers, offering an average monthly rate of $36.
We’ve saved shoppers an average of $600 per year on their car insurance.
When seeking affordable car insurance in Fort Myers, Florida, options can vary, but one company, GEICO, stands out for its competitive pricing. On average, individuals can secure car insurance for around $36 per month, which is significantly lower than the state’s average of $305.
For those prioritizing budget-friendly liability-only coverage, GEICO emerges as the top pick. Meanwhile, drivers looking for comprehensive protection find that State Farm offers the most favorable rates for full coverage policies, priced at $160 per month. Additionally, Travelers provides the most cost-effective rates for young drivers, starting at $128 per month.
Cheapest Car Insurance In Fort Myers, FL
Our Methodology
Based on my extensive examination, which considers factors like customer service rankings, available products, pricing, and a detailed review of numerous online feedback platforms and user feedback, I've developed a comprehensive understanding of the car insurance provider landscape in Fort Myers, FL. This perspective is well-informed, shaped by more than 15 years of active participation in the industry as a licensed insurance agent. It incorporates numerous interactions with representatives from different companies and insights gained from firsthand experiences.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
How Much Is Car Insurance In Fort Myers, FL?
GEICO provides the most economical car insurance in Fort Myers, FL, with coverage available for $270 per month.
| Area | Average Monthly Rate |
| National | $152 |
| Florida | $305 |
| Fort Myers, FL | $270 |
It’s important to note that the average national cost encompasses both high-cost states like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates can differ by location due to various factors, including vehicle type, coverage amount, zip code, driving record, and more.
Cheapest Car Insurance Rates In Fort Myers For Teenagers
Young drivers in Fort Myers can obtain the most affordable quotes from State Farm, with average monthly premiums of $228.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $228 | $2,734 |
| 21st Century | $278 | $3,334 |
| Direct General | $351 | $4,210 |
| Direct Auto | $240 | $2,878 |
| Allstate | $380 | $4,591 |
Teenage drivers typically encounter the highest car insurance premiums, primarily because of their lack of experience on the road. Insurance providers view these young drivers as high-risk individuals because they are statistically more likely to be involved in accidents and commit traffic violations.
Cheapest Car Insurance Rates In Fort Myers For Minimum Coverage
In Fort Myers, GEICO stands out as the most affordable car insurance company for minimum coverage, offering an average monthly cost of $36.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $36 | $439 |
| Travelers | $42 | $500 |
| Progressive | $125 | $1,498 |
| State Farm | $48 | $574 |
| Allstate | $182 | $2,182 |
The minimum car insurance policy should include, at the very least, the following coverage options:
- $10,000; Bodily injury coverage per person
- $10,000; Bodily injury coverage per accident
- $10,000; Property damage per accident
Having minimum car insurance offers some protection while driving, but it doesn’t include collision or comprehensive coverage. This means your vehicle won’t be covered for damages resulting from accidents, theft, or natural disasters.
Driving without insurance is illegal in Florida. If you can’t provide proof of insurance during a traffic stop, you may face penalties ranging from fines to license suspension or more severe consequences.
Cheapest Rates In Fort Myers For Full Coverage
State Farm offers the most affordable car insurance rates for full coverage in Fort Myers, with average quotes at $160 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $292 | $3,502 |
| GEICO | $165 | $1,978 |
| Travelers | $193 | $2,314 |
| Allstate | $425 | $5,098 |
| State Farm | $160 | $1,918 |
Full coverage car insurance extends comprehensive protection beyond the basic legal requirements. This type of insurance usually combines comprehensive and collision coverages.
Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural events. Meanwhile, collision coverage provides financial protection for vehicle damages resulting from accidents, irrespective of the responsible party.
Cheapest Rates For Young Adults
Young adults in Fort Myers can find the most affordable quotes with Travelers, with rates averaging around $128 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $133 | $1,594 |
| GEICO | $187 | $2,242 |
| Mercury | $257 | $3,082 |
| Allstate | $180 | $2,158 |
| Travelers | $128 | $1,534 |
In Florida, young adult drivers usually enjoy lower car insurance rates compared to teenagers. This difference in pricing stems from the development of driving habits and a corresponding decrease in risky behaviors as drivers mature.
Statistically, young adults are less inclined to file claims with insurance companies, indicating a decrease in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.
Cheapest Rates In Fort Myers For Seniors
Nationwide offers the most affordable car insurance rates for seniors in Fort Myers, with quotes averaging $87 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $87 | $1,040 |
| State Farm | $92 | $1,095 |
| Safeco | $93 | $1,107 |
| Mercury | $101 | $1,213 |
| 21st Century | $104 | $1,249 |
In Florida, many seniors may discover favorable car insurance rates influenced by various beneficial factors. While age is often considered in determining insurance rates, the stereotype associating older age with decreased driving ability doesn’t hold true for everyone.
Cheapest Car Insurance Rates For Good Drivers
In Fort Myers, good drivers can secure the most affordable car insurance quotes from GEICO, typically around $36 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $36 | $439 |
| Travelers | $42 | $500 |
| Progressive | $125 | $1,498 |
| State Farm | $48 | $574 |
| Allstate | $182 | $2,182 |
Drivers with clean driving records in Fort Myers generally enjoy lower car insurance rates because they’re seen as lower risk. Insurance companies assess driving records to gauge how safely a person drives. Fewer incidents, such as accidents or traffic violations, indicate that the driver is cautious and less likely to file a claim.
Since insurers determine rates based on the likelihood of a driver making a claim, a pristine driving record can result in substantial savings on premiums. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and therefore, the lower the insurance cost.
Cheapest Car Insurance Rates In Fort Myers For Drivers With Prior Incidents
In Fort Myers, drivers with records of traffic violations, including accidents, speeding, or DUIs, frequently encounter challenges in securing affordable car insurance. These driving infractions prompt insurance companies to categorize them as high-risk, anticipating a greater likelihood of filing future insurance claims.
As a result, insurance providers raise their rates for these individuals to offset the risk of facing higher claim payouts.
Cheapest For Drivers With A Speeding Ticket
State Farm offers notably affordable rates compared to other companies, with average monthly rates of $135.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $135 | $1,618 |
| Travelers | $153 | $1,834 |
| Geico | $262 | $3,142 |
| Allstate | $192 | $2,302 |
| Progressive | $230 | $2,758 |
Cheapest For Drivers With An At-Fault Accident
State Farm provides the most economical car insurance quotes for drivers with an at-fault incident, with an average rate of $80 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $145 | $1,738 |
| Travelers | $160 | $1,918 |
| Geico | $210 | $2,518 |
| Progressive | $265 | $3,178 |
| Allstate | $340 | $4,078 |
Cheapest Rates For Drivers After A DUI
State Farm is recognized as the company with the most affordable rates for drivers after a DUI incident. They offer Fort Myers drivers average monthly premiums of $80.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $132 | $1,582 |
| Travelers | $180 | $2,158 |
| Progressive | $190 | $2,278 |
| Geico | $270 | $3,240 |
| Allstate | $260 | $3,120 |
Best Car Insurance Companies In Fort Myers
For drivers in Fort Myers, selecting the appropriate car insurance company involves finding affordable rates as well as reliable protection on the road. Below are the top 10 car insurance companies in Fort Myers, FL, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| GAINSCO | $140 |
| Direct Auto | $175 |
| Mercury | $193 |
| Liberty Mutual | $140 |
| Mercury Insurance | $158 |
| 21st Century | $173 |
| Allstate | $194 |
| State Farm | $125 |
| Safeco | $155 |
| Nationwide | $62 |
Average Car Insurance Rates – By Age
| Age | Average Yearly Rate |
| Teenagers | $6,945 |
| 20s | $4,800 |
| 30s | $3,240 |
| 40s | $2,520 |
| 50s | $2,280 |
| 60s | $2,278 |
| 70s | $2,520 |
Age plays a crucial role in determining car insurance rates. Typically, younger drivers, especially teens and young adults, encounter higher insurance premiums because of their lack of experience and statistically higher probability of accidents and traffic violations. As drivers approach the age of 25, their rates generally begin to decline, assuming they maintain a clean driving record.
The most advantageous insurance rates are often available for drivers in their 50s and early 60s. Insurance companies utilize age as a measure to assess driving experience and risk potential, which in turn affects the cost of premiums.
Average Car Insurance Rates In Fort Myers – By Vehicle Type
| Vehicle | Average Monthly Rate |
| Toyota Camry | $127 |
| Honda Civic | $1,214 |
| Mercury Grand Marquis | $115 |
| Chevrolet Malibu | $710 |
| Nissan Altima | $708 |
The type of vehicle you drive significantly impacts your car insurance costs. Insurance companies consider factors like the make, model, year, and body type of the car. Generally, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
On the other hand, older cars or those less expensive to repair or replace may have lower premiums. Insurers evaluate these factors because they directly affect the potential cost of claims – for example, repairs for a high-end car are generally more expensive than for a standard vehicle. Moreover, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.
How Much Is Car Insurance For Other Cities In Florida?
| City | Average Monthly Rate |
| Sunrise | $347 |
| Lake City | $200 |
| Plantation | $360 |
| Hallandale Beach | $310 |
| Daytona Beach | $181 |
| Gainesville | $250 |
| Apopka | $215 |
| Pinellas Park | $223 |
| Kissimmee | $220 |
| West Palm Beach | $280 |
The city where you live greatly influences your car insurance rates. Insurance companies evaluate several factors associated with your location, including the likelihood of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk frequently results in higher premiums.
FAQs
Who has the lowest car insurance rates in Fort Myers?
The most affordable car insurance rates in Fort Myers are provided by GEICO for the minimum coverage required by the State of Florida and State Farm for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Fort Myers?
The average cost of car insurance in Fort Myers is approximately $270 per month. Rates may vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.
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