Compare Fort Myers, FL Car Insurance Rates (2021)

Car insurance in Fort Myers, FL averages $337 a month. Fort Myers, 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 car insurance rates, compare quotes from the top car insurance companies in Fort Myers, 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 for teen drivers is USAA
  • The cheapest ZIP code in Fort Myers is 33907
  • Average car insurance rates in Fort Myers, FL are $4,045/year

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

You’ll find Fort Myers car insurance rates, the cheapest Fort Myers, FL car insurance companies, and information on Florida car insurance laws. You can also compare Fort Myers, Florida car insurance rates to Jacksonville car insurance rates, St. Petersburg car insurance rates, and Hialeah car insurance rates.

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

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

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

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Minimum Car Insurance in Fort Myers, FL

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

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

Cheapest Fort Myers, FL Car Insurance Rates by Credit Score

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

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

Cheapest Fort Myers, 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, FL to rates for a clean record with top 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

Cheapest Fort Myers, FL Car Insurance for Teen Drivers

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

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

Cheapest Fort Myers, FL Car Insurance for Seniors

Take a look at Fort Myers, 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, 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

Cheapest Fort Myers, FL Car Insurance Rates After a DUI

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

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

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Cheapest Fort Myers, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Fort Myers, 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, 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

Cheapest Fort Myers, FL Car Insurance Rates by ZIP Code

Fort Myers car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Fort Myers, FL.

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

The Best Cheap Car Insurance Companies in Fort Myers, FL

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

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

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Category Winners: Cheapest Car Insurance in Fort Myers, Florida

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

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

Cheapest Fort Myers, FL Car Insurance Rates by Coverage Level

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

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

What affects car insurance rates in Fort Myers, Florida?

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

Car Theft in Fort Myers

High levels of vehicle theft can make car insurance more expensive. Fort Myers, FL car theft statistics from the FBI indicate 257 vehicle thefts a year.

Commute Time in Fort Myers

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

Traffic in Fort Myers

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Fort Myers, FL traffic data from INRIX ranks Fort Myers as the 521st-most congested in the world.

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Compare Car Insurance Quotes in Fort Myers, FL

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

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Average Monthly Car Insurance Rates by State