Compare Fort Myers Beach, FL Car Insurance Rates (2021)

Car insurance in Fort Myers Beach, FL averages $327 a month. Fort Myers Beach, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Fort Myers Beach car insurance rates, compare quotes from the top car insurance companies in Fort Myers Beach, 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 Fort Myers Beach is State Farm
  • Average car insurance rates in Fort Myers Beach, FL after a DUI are $4,700/year
  • The cheapest car insurance company in Fort Myers Beach for teen drivers is State Farm

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

You’ll find Fort Myers Beach car insurance rates, the cheapest Fort Myers Beach, FL car insurance companies, and information on Florida car insurance laws. You can also compare Fort Myers Beach, Florida car insurance rates to Tampa car insurance rates, Port St. Lucie car insurance rates, and Cape Coral car insurance rates.

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

Cheapest Fort Myers Beach, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Fort Myers Beach, FL car insurance rates? Every Fort Myers Beach, 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 Fort Myers Beach, 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 $3,746 $3,555 $3,250 $3,291 $12,908 $13,898 $3,711 $3,748
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 Fort Myers Beach, FL

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

Minimum Required Car Insurance Coverage in Fort Myers Beach, 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 Fort Myers Beach, FL Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $8,381 $5,328 $4,330
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 Fort Myers Beach, 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 Fort Myers Beach, FL to rates for a clean record with top companies.

Annual Fort Myers Beach, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,177 $6,215 $6,907 $5,754
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 Fort Myers Beach, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Fort Myers Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,908 $13,898
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 Fort Myers Beach, FL Car Insurance for Seniors

Take a look at Fort Myers Beach, 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 Fort Myers Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,250 $3,291
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 Fort Myers Beach, FL Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,907
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 Fort Myers Beach, FL Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,846 $6,180
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 Fort Myers Beach, FL

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

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

Insurance Company Average Annual Rates
Allstate $6,013
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 Fort Myers Beach, Florida

Find the cheapest car insurance companies in Fort Myers Beach, FL for each category right here.

Best Annual Car Insurance Rates by Company in Fort Myers Beach, 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 Fort Myers Beach, FL Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,818 $6,285 $6,937
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 Fort Myers Beach, Florida?

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

Commute Time in Fort Myers Beach

The more time you spend in your car the higher the risk of an accident. The average commute length in Fort Myers Beach, FL is 27.2 minutes according to City-Data.

Compare Car Insurance Quotes in Fort Myers Beach, FL

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

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Average Monthly Car Insurance Rates by State