The best car insurance in Fort Myers, FL

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance writer

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published October 14, 2021

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The average rate for full coverage car insurance in Fort Myers is $2,598 per year, which is $316 less than the state average of $2,914. Car insurance rates in Florida are higher than the national average in part because the state has a higher percentage of uninsured drivers than other states, which, in turn, can lead to higher premiums for everyone.

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The best way to save money on your car insurance is by comparing rates between top insurers in the Fort Myers area. Policygenius can help you see quotes from multiple companies, so you can choose the coverage that works best for you.

Key Takeaways

  • GEICO has the lowest average rates in Fort Myers, at $1,372 per year for full coverage car insurance

  • Mercury Insurance has the highest average rates at $2,506 per year for full coverage car insurance

  • Florida minimum liability insurance requirements are $10,000 per person / $20,000 per person in bodily injury liability and $10,000 in property damage liability

Cheapest car insurance companies in Fort Myers, FL

Car insurance premiums are determined by many factors, such as your age, driving record, and marital status. Where you live also dictates what you pay for car insurance, as drivers in specific ZIP codes with high crime rates or busy roads will likely see higher rates.

To save money on your car insurance, it’s always a good idea to compare online quotes from top companies and choose the best coverage for your insurance needs.

Company

Average cost

JD Power Rating

GEICO

$1,372

871

State Farm

$1,459

881

Travelers

$1,737

861

Nationwide

$2,128

876

Mercury Insurance

$2,506

849

Cheapest car insurance rates by ZIP code in Fort Myers, FL

Car insurance costs vary from neighborhood to neighborhood based on things like density, the number of cars on the roads, availability of parking and crime rates. Here is what drivers in different ZIP codes pay in Fort Myers.

ZIP code

Average cost

33901

$2,599

33905

$2,646

33907

$2,604

33912

$2,552

33913

$2,565

33916

$2,616

33966

$2,603

Cheapest car insurance companies by age in Fort Myers, FL

Age has its benefits, and that’s undoubtedly true for car insurance. On average, male drivers under age 25 in Fort Myers pay more for car insurance than any other age group, because they’re more likely to take unnecessary risks and drive aggressively. The easiest way to lower the cost of car insurance for a young driver is by getting online quotes. 

Choosing the right car insurance company in Fort Myers, FL

If you own a vehicle in Fort Myers, then the law says you need to have car insurance to protect yourself and others if you cause a wreck. It can be challenging to find the best coverage for your insurance needs when so many factors determine the price of car insurance. 

Our insurance experts here at Policygenius can help you get quotes and find the best insurance plans for you — the key is comparing rates from multiple insurers to make sure you’re getting the best coverage for the best deal.

Car insurance rates for drivers with driving violations in Fort Myers, FL

Blue lights in your rearview mirror are something no one likes to see, because a single speeding ticket can raise your car insurance rates by $1,000 for up to three years. Many states use a points system and acquiring too many points in a short time will not only raise your rates, it can lead to suspension of your driver’s license.

Below are the average car insurance rates for drivers in Fort Myers with speeding tickets or other violations on their driving record.

Violation

GEICO

State Farm

Travelers

Nationwide

Mercury Insurance

At-fault Accident

$2,019

$1,717

$2,338

$2,987

$4,296

DUI

$2,605

$1,598

$2,602

$4,489

$3,662

Driving with a suspended license

$1,468

$1,598

$2,602

$4,489

$2,483

Driving with an open container

$1,468

$1,598

$2,214

$4,489

$3,662

Driving with expired registration

$1,468

$1,598

$2,214

$2,477

$3,587

Driving without Lights

$1,468

$1,598

$2,214

$2,131

$3,587

Failure to show documents

$1,468

$1,598

$2,214

$2,477

$3,587

Failure to stop at a red light

$1,468

$1,598

$2,214

$2,477

$3,587

Cheapest car insurance for drivers with bad credit in Fort Myers, FL

Your credit score impacts the interest you pay on credit cards, your ability to get a mortgage and even the price you pay for car insurance. 

Some states don’t allow insurance providers to determine insurance rates based on your credit scores, but to avoid paying more, it’s always a good idea to pay your bills on time and pay down debt whenever you can.

Company

Rates for drivers with bad credit

GEICO

$2,738

State Farm

$2,802

Nationwide

$3,259

UAIC

$3,293

AIG

$3,334

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Buying car insurance in Fort Myers, FL

The law in Florida says drivers must meet the following minimum liability insurance requirements:

  • Proof of personal injury protection (PIP) and property damage liability (PDL) coverage from an insurance company licensed to sell insurance in Florida

  • A minimum of $10,000 in PIP and a minimum of $10,000 in PDL. Florida is the only state that doesn’t require bodily injury liability coverage (BIL) but does require personal injury protection (PIP). In addition, the state doesn’t require drivers to purchase uninsured or underinsured motorist coverage but requires car insurance companies to offer the coverage to you.

  • Have continuous coverage on a vehicle even if it is inoperable or not being driven.

Florida allows qualified drivers to self-insure. To qualify for self-insurance, drivers must provide yearly proof of an unencumbered net worth of $40,000 or more.

Florida is a no-fault state, which means that your insurance carrier will pay your medical bills whether you caused the accident or not. Also, in no-fault states like Florida, an injured party cannot sue you for medical bills resulting from an accident you caused. 

How to get cheap car insurance in Fort Myers, FL

Car insurance is expensive, but there are ways to find savings:

  • Safe driver discount: Many companies offer a safe driver discount, so obey posted speed limit signs and avoid getting tickets and you could save on car insurance

  • Military discount: Many companies offer active duty military members and their families significant savings on their policies

  • Bundling: Bundling your car and home insurance is a great way to save money on your premiums

  • Good student discount: Many companies offer young drivers a discount for good grades

Frequently asked questions

Who has the cheapest car insurance in Fort Myers?

According to our research, GEICO has the lowest rates in the city, at $1,372 per year for full coverage.

Am I required to have car insurance in the state of Florida?

Florida requires all drivers to carry $10,000 worth of personal damage liability (PDL) coverage.

Does my gender affect my car insurance rates?

Florida is one of the states that does allow gender to be included when determining the cost of your insurance, so your gender does affect your rates in Fort Myers.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.