Compare Estero, FL Car Insurance Rates (2021)

Car insurance in Estero, FL averages $327 a month. Estero, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Estero car insurance rates, compare quotes from the top car insurance companies in Estero, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Estero is State Farm
  • The cheapest car insurance company in Estero for teen drivers is State Farm
  • Average car insurance rates in Estero, FL after a DUI are $4,702/year

If you need to buy Estero, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Estero, FL is right here.

You’ll find Estero car insurance rates, the cheapest Estero, FL car insurance companies, and information on Florida car insurance laws. You can also compare Estero, Florida car insurance rates to Orlando car insurance rates, Tampa car insurance rates, and Tallahassee car insurance rates.

Ready to find affordable Estero, FL car insurance today? Enter your ZIP code for fast, free Estero car insurance quotes.

Cheapest Estero, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Estero, FL car insurance rates? Every Estero, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Estero, 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 $3,808 $3,597 $3,295 $3,326 $12,934 $13,883 $3,741 $3,764
GEICO $2,483 $2,498 $2,322 $2,322 $4,442 $5,614 $2,740 $2,795
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 $3,447 $3,258 $2,968 $3,177 $9,756 $10,683 $4,162 $4,005
State Farm $1,495 $1,495 $1,362 $1,362 $4,315 $5,500 $1,653 $1,779
USAA $1,403 $1,378 $1,313 $1,301 $4,844 $5,619 $1,753 $1,891

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Minimum Car Insurance in Estero, FL

Every driver must carry the minimum car insurance in Estero, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Estero, 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

Cheapest Estero, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Estero, FL. Compare credit history car insurance rates in Estero from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Estero, Florida

Insurance Company Poor Fair Good
Allstate $8,446 $5,349 $4,336
GEICO $4,576 $2,782 $2,098
Liberty Mutual $5,914 $4,355 $3,542
Nationwide $4,608 $3,373 $3,046
Progressive $6,743 $4,797 $4,006
State Farm $3,227 $2,130 $1,753
USAA $3,952 $1,945 $1,417

Cheapest Estero, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Estero, FL to rates for a clean record with top companies.

Annual Estero, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,211 $6,256 $6,925 $5,782
GEICO $2,208 $2,811 $4,164 $3,426
Liberty Mutual $3,329 $4,312 $6,241 $4,533
Nationwide $3,140 $3,446 $4,631 $3,485
Progressive $4,089 $6,055 $5,091 $5,492
State Farm $2,170 $2,570 $2,370 $2,370
USAA $1,904 $2,356 $3,494 $1,997

Cheapest Estero, FL Car Insurance for Teen Drivers

Teen car insurance in Estero, FL can be expensive. Take a look at rates from the top car insurance companies in Estero for teenagers.

Annual Car Insurance Rates for Teen Drivers in Estero, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,934 $13,883
GEICO $4,442 $5,614
Liberty Mutual $6,704 $10,293
Nationwide $6,176 $7,581
Progressive $9,756 $10,683
State Farm $4,315 $5,500
USAA $4,844 $5,619

Cheapest Estero, FL Car Insurance for Seniors

Take a look at Estero, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Estero, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,295 $3,326
GEICO $2,322 $2,322
Liberty Mutual $2,943 $2,943
Nationwide $2,312 $2,392
Progressive $2,968 $3,177
State Farm $1,362 $1,362
USAA $1,313 $1,301

Cheapest Estero, FL Car Insurance Rates After a DUI

A DUI in Estero, FL increases car insurance rates. Compare Estero, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Estero, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,925
GEICO $4,164
Liberty Mutual $6,241
Nationwide $4,631
Progressive $5,091
State Farm $2,370
USAA $3,494

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Cheapest Estero, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Estero, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Estero, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,875 $6,212
GEICO $3,136 $3,168
Liberty Mutual $4,457 $4,751
Nationwide $3,676 $3,676
Progressive $5,182 $5,182
State Farm $2,292 $2,448
USAA $2,411 $2,465

The Best Cheap Car Insurance Companies in Estero, FL

Take a look at a side-by-side comparison of the top car insurance companies in Estero, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Estero, Florida

Insurance Company Average Annual Rates
Allstate $6,043
GEICO $3,152
Liberty Mutual $4,604
Nationwide $3,676
Progressive $5,182
State Farm $2,370
USAA $2,438

Category Winners: Cheapest Car Insurance in Estero, Florida

Find the cheapest car insurance companies in Estero, FL for each category right here.

Best Annual Car Insurance Rates by Company in Estero, Florida

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

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Cheapest Estero, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Estero car insurance rates. Find the cheapest Estero, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Estero, Florida

Insurance Company Low Medium High
Allstate $4,848 $6,315 $6,967
GEICO $2,627 $3,258 $3,571
Liberty Mutual $4,236 $4,670 $4,905
Nationwide $2,962 $3,810 $4,255
Progressive $4,368 $5,299 $5,880
State Farm $2,034 $2,424 $2,653
USAA $2,098 $2,527 $2,688

What affects car insurance rates in Estero, Florida?

What factors can have an impact on Estero, FL car insurance? There are several reasons why Estero car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Estero, Florida.

Commute Time in Estero

The more time you spend in your car the higher the risk of an accident. The average commute length in Estero, FL is 25.6 minutes according to City-Data.

Compare Car Insurance Quotes in Estero, FL

Ready to find affordable Estero, Florida car insurance today? Enter your ZIP code for fast, free Estero, FL car insurance quotes.

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Average Monthly Car Insurance Rates by State