Cheapest Car Insurance In Fort Myers, FL

We believe that State Farm offers Fort Myers residents the best cheap car insurance policy.

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Written by
Bob Phillips

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Often known as the “City of Palms,” Fort Myers, a bustling city nestled in Florida, is a haven for newcomers and seasonal visitors alike. Its appeal lies in the allure of Northeast transplants and snowbirds who seek solace in their beachside winter abodes. Amidst the vibrant urban landscape of Fort Myers, a fleet of cars, trucks, and motor vehicles forms a significant aspect of its fabric. If you’re on the lookout for auto insurance here, rest assured, you’re on the right path.

When it comes to insuring your vehicle, the average cost stands at approximately $2,245 annually in Fort Myers. This pricing falls below the statewide Florida average ($2,309), yet exceeds the national average of $1,548.

Within the confines of this guide, we will expertly steer you towards the most budget-friendly option overall (represented by State Farm). Not only that, but we’ll also direct your attention to the most economical choice for comprehensive coverage (courtesy of Travelers), the most affordable selection for minimal coverage (offered by GEICO), the most wallet-friendly alternative for those with driving infractions (presented by USAA), and the most reasonable preference for seniors (brought to you by Progressive).

Cheapest And Best Car Insurance Companies In Fort Myers, Florida 2023

Best Car Insurance, Fort Myers 2023

Compare The Cheapest Car Insurance Companies In Fort Myers, Florida

Overall Rating Average Annual Cost J.D. Power Rating (Florida) Best For AM Best Rating Get A Quote
State Farm



Cheapest Overall


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Cheapest Minimum Coverage


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Full Coverage


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Increase after violation


Cheapest For Driving Violations


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Young Drivers


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Our Methodology

To discover the most affordable car insurance rates in Fort Myers, we analyzed data from multiple car insurance review websites. Some of these sources examined rates obtained through Quadrant Information Services' public filings. We've taken an average of these rates for this evaluation, bearing in mind that each company's rates frequently change and are influenced by your specific circumstances.

Additionally, the overall assessment incorporates my subjective viewpoint, informed by fifteen years of experience as a licensed insurance agent, fourteen years as a Florida resident, and over three decades of procuring car insurance.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

Cheapest Car Insurance Companies In Fort Myers, Florida

Cheapest Overall

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

When exploring the most budget-friendly car insurance in Fort Myers, Florida, our assessment highlights State Farm as a contender across all categories. Particularly, their mean rate, encompassing both minimum and comprehensive coverage, emerged as the most cost-effective overall.

With almost a century of experience, State Farm has been safeguarding vehicles and possesses the largest number of local offices among U.S. insurers. They present drivers with a range of advantageous attributes and distinctive choices:

Coverage variety: Beyond standard coverage, drivers can opt for additional protections such as rental car reimbursement, roadside assistance, travel expense insurance, and rideshare insurance.

Telematics initiative: Through this program, driving habits are remotely monitored, leading to rate discounts for those who exhibit safe driving behavior. This program is tailored to reduce costs for individuals with limited driving experience.

Respected industry and customer service standing: State Farm boasts the highest AM Best financial strength ratings (A++ Superior) and commendable ratings in J.D. Power’s evaluations of insurers operating in Florida.

Benefits & Drawbacks

  • Discount for usage-based insurance
  • Wide presence of local agents nationwide
  • Ample discount options for teenagers and students
  • Elevated yearly rates for individuals with unfavorable credit

Cheapest Overall Rates In Fort Myers

Company Rate Per Year
State Farm $1,840
GEICO $1,963
Direct General $2,077
MetLife $2,112
Progressive $3,210

Cheapest For Full Coverage

Overall Rating

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claims/Payouts
8/10 Coverage Level

Why We Like Them

When it came to securing the most affordable full coverage in Fort Myers, Travelers emerged as the leader. Full coverage includes the following components:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $50,000 property damage liability coverage per accident
  • $100,000 uninsured motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per accident
  • Collision coverage with a $1,000 deductible
  • Comprehensive coverage with a $1,000 deductible

Travelers holds a prominent position within the insurance industry, recognized as one of the largest car insurance providers in the U.S. It garners popularity among those who prefer collaborating with independent agents and consolidating multiple insurance needs under one provider.

Travelers’ distinct offerings encompass a couple of noteworthy aspects. Firstly, they present gap insurance, which safeguards your auto lease or loan in the event of your car being declared a total loss before the lease concludes or the loan is repaid. In such cases, Travelers covers the disparity between your loan balance and your car’s value.

Secondly, Travelers’ Responsible Driver Plan is noteworthy, as it pardons one accident and one minor violation within a specified timeframe. This means your rates remain unaffected following a ticket or an accident.

Benefits & Drawbacks

  • s: Affordable rates for comprehensive coverage
  • Abundance of available coverage options
  • One of the major insurance providers in the United States
  • Customer satisfaction ratings fall below average
  • Unavailability of rideshare insurance in Florida

Cheapest Full Coverage In Fort Myers

Company Rate Per Year
Travelers $2,208
State Farm $2,568
Progressive $2,862
Liberty Mutual $3,012
Bristol West $3,770

Cheapest For Driving Violations

Overall Rating

Key Statistics

10/10 Affordability
10/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

If you’ve ever found yourself pulled over and issued a ticket, you’re likely familiar with the subsequent premium hike from your auto insurance company, especially if you’re a younger driver. The severity of the offense (think DUI, DWI, reckless driving, etc.) often correlates with the magnitude of the rate increase you faced.

USAA stands out for its leniency in this regard. When drivers receive speeding tickets, are in at-fault accidents, or are convicted of DUI, USAA proves to be the most forgiving. While drivers with a history of violations have witnessed rate upticks with USAA, these increases are notably more modest compared to other auto insurers.

In line with other car insurance providers, USAA presents standard liability coverage and comprehensive and collision insurance. Additionally, the company extends commonly sought-after supplementary auto insurance coverages, such as roadside assistance, rental car and travel reimbursement, as well as accident forgiveness.

It’s important to note that USAA is exclusively accessible to active military personnel, veterans, and their families.

Benefits & Drawbacks

  • Highest J.D. Power rating for customer satisfaction
  • One-stop shop for insurance, investing, and banking products
  • Only provides insurance to veterans, active military personnel, and their family members

Cheapest For Rate Increase After A Driving Violation

Company Annual Increase
USAA $858
State Farm $1,536
Allstate $1,910
GEICO $1,997
MetLife $2,112

Cheapest For Minimum Coverage

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

In the realm of Fort Myers, our exploration unveiled that GEICO takes the lead by providing the most cost-effective state minimum coverage on average. Within Florida’s guidelines, drivers must uphold a minimum of $10,000 in property damage liability insurance and $10,000 in personal injury protection (PIP). It’s noteworthy that bodily injury liability coverage isn’t mandatory for Florida drivers.

GEICO consistently attains commendable ratings in realms such as customer service, claims processing, customer endorsements, policy renewals, and client loyalty. As the second-largest auto insurance company in the U.S., GEICO has made a name for itself by extending economical rates to consumers via online platforms and telephone interactions.

GEICO presents an array of discounts and emerges as the most budget-conscious option for Fort Myers drivers with older vehicles who intend to economize by adhering to Florida’s minimum essential auto insurance coverage. Managing yo

Benefits & Drawbacks

  • Exceeds the average J.D. Power customer satisfaction score
  • Offers a comprehensive website and user-friendly mobile app
  • Numerous discounts are accessible
  • Absence of gap or rideshare insurance coverage
  • Limited presence of local agents

Cheapest For Minimum Coverage

Company Rate Per Year
GEICO $437
State Farm $708
Travelers $797
Farmers $1,019
Mercury $1,097

Cheapest For Young Drivers

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

In Fort Myers, young drivers often face the steepest car insurance rates due to their limited experience on the road and the increased likelihood of being involved in accidents.

Among the available options, GEICO unquestionably stands out by offering the most economical rates for young drivers. With an average premium of $3,451, GEICO’s rates are the lowest you’ll come across for teenagers and those in their early 20s. However, even with this affordability, affording insurance can still be a challenge for many in this age group.

The good news is that GEICO exhibits remarkable generosity in terms of discounts. Young drivers can benefit from discounts like the good student discount, which can reach up to 15%. Additionally, there’s a safe-driver discount of up to 22% for those without accidents and a new car discount for vehicles that are three model years old or newer.

Furthermore, young drivers who have completed a driver’s education class at school or a defensive driving course are also eligible for additional discounts.

Benefits & Drawbacks

  • Possibility to acquire substantial policy limits
  • Mobile app boasts commendable ratings
  • Holds an A+ rating from the Better Business Bureau (BBB)
  • Absence of gap insurance coverage
  • Presence of a restricted count of local agents

Cheapest For Young Drivers

Company Rate Per Year
GEICO $3,451
Direct General $3,863
State Farm $3,924
MetLife $5,233
Progressive $8,582

Cheapest For Seniors

Overall Rating

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

Among the various age groups in Fort Myers, senior drivers usually secure some of the most budget-friendly car insurance rates. Our investigation reveals that Progressive emerges as the provider offering the lowest rates for seniors.

Progressive, the nation’s third-largest auto insurance company, showcases an extensive array of discounts and a comprehensive selection of coverage options. This includes distinctive offerings like rideshare insurance and coverage for pets injured during car accidents. Progressive goes beyond the norm by extending coverage types that many other insurers don’t, such as gap and rideshare insurance.

Moreover, Progressive demonstrates its commitment to its long-term policyholders. Drivers who maintain a Progressive policy for five years or more without any accidents can rest assured that larger claims won’t lead to premium hikes. Additionally, customers have the option to acquire accident forgiveness insurance and the potential to have multiple accidents forgiven.

Benefits & Drawbacks

  • Holds the position of being the third-largest provider of personal auto insurance in the United States
  • Provides coverage for veterinary bills in the event of your pet's injury during a car accident
  • Offers the availability of rideshare coverage
  • Receives ratings for customer satisfaction from J.D. Power that are lower than the average
  • Accessible through a restricted number of agents

Cheapest Coverage For Seniors

Company Rate Per Year
Progressive $2,066
Travelers $2,270
Mercury $2,313
Safeco $2,476
Liberty Mutual $3,317

Average Cost Of Car Insurance In Fort Myers

Average Cost In Fort Myers– By Age

Age Group Average Yearly Rate
Teenagers $6,483
20s $2,971
30s $2,263
40s $2,191
50s $2,047
60s $2,073
70s $2,540

Average Cost In Fort Myers – By Gender

Gender Average Annual Rate
Male $2,268
Female $2,292

Average Cost In Fort Myers – By Marital Status

Marital Status Average Annual Rate
Single $2,171
Married $2,171
Divorced $2,249
Widowed $2,188

Average Cost In Fort Myers – By Accident And Violation History

Violation Average Annual Premium
DWI/DUI $3,289
Reckless Driving $3,360
At-Fault Accident (damage <$1,000) $3,081
At-Fault Accident (damage >$2,000) $3,081
Speeding (16-20 MPH > limit) $2,811

Average Cost In Fort Myers – By Credit Tier

Very poor: $4,406
Fair: $2,785
Good: $2,266
Very good: $2,080
Exceptional: $1,858

Average Cost In Fort Myers – By Zip Code

ZIP Code Average Rate
32099 $2,272
32202 $2,341
32204 $2,363
32205 $2,418
32206 $2,462
32207 $2,502

Minimum Car Insurance Requirements In Florida

While you search for car insurance, it’s essential to consider the mandatory minimum coverage set by Florida:

  • Property damage liability per accident: $10,000
  • Personal injury protection: $10,000

These figures represent the bare minimum required in Florida. Depending on your vehicle and your time spent on the road, you might opt for higher limits or choose to include collision and comprehensive insurance for added protection.

How To Buy Car Insurance In Fort Myers

If you’re in the process of purchasing car insurance in Fort Myers, adhere to these five steps for a smooth and uncomplicated experience:

  1. Determine your required coverage: Consider whether you need minimal coverage, full coverage, or an option in-between. Factors such as your vehicle’s value and your annual mileage should guide your decision.
  2. Gather essential details: Keep your personal and vehicle information within reach. You’ll need data like your driver’s license number, social security number, Vehicle Identification Number (VIN), and your vehicle’s current mileage.
  3. Obtain quotes from three companies: Collect quotes from a minimum of three companies, ensuring that you’re comparing coverage amounts and limits that are similar.
  4. Make an informed choice and buy your policy: While price matters, prioritize your decision based on comprehensive factors. The most suitable carrier for you may also be the most economical one.
  5. Manage your old policy: Remember, your new insurance company can’t cancel your previous policy—you’ll need to do that yourself. However, hold off on canceling until you’ve confirmed the activation of your new coverage.

Factors That Impact The Cost Of Your Car Insurance Policy In Fort Myers

Insurance companies consider multiple factors when calculating your auto insurance costs in Fort Myers, including:

State requirements: Your policy needs to meet Florida’s minimum coverage standards, which include $10,000 in damage liability and $10,000 in personal injury protection (PIP).

Your age: Younger drivers typically have higher rates due to their lack of experience and higher likelihood of accidents. Rates usually start to decrease after you turn 25.

Your car’s make and model: Safer vehicles generally result in lower rates. Insuring a recent Toyota Corolla, for instance, costs significantly less than a Chevrolet Corvette.

Driving history: Past accidents and traffic violations can lead to substantial rate increases, as they indicate a higher likelihood of future claims.

Annual mileage: People with longer commutes often pay more than those who drive less frequently.

Credit history: A higher credit score often translates to lower rates. Insurers have found a correlation between higher scores and fewer claims.

Zip code: Where you work and park your car overnight matters. Depending on the location’s risk of vandalism or damage, you might get a discount or an increased rate.

Marital status: Married drivers usually enjoy lower rates than their single counterparts.

Gender: Around age 45, men pay about 6% less than women of the same age. However, this gender-based difference tends to level out for drivers in their 30s.

Florida Car Insurance Laws To Know

In Florida, drivers must carry at least $10,000 in property liability insurance and $10,000 in personal injury protection (PIP).

Florida operates under a no-fault insurance system. This means that insurance companies are responsible for covering medical expenses, regardless of which driver is deemed at fault in an accident.

In The News

As reported by the Dallas Morning News, residents throughout Florida are currently grappling with financial challenges attributed to broadening cost increments, culminating in the most substantial inflation witnessed in four decades. Simultaneously, they’re navigating a remarkable surge in annual auto insurance rates, the most pronounced escalation over a span of at least two decades.

The year 2022 witnessed an average surge of 23.8% in auto insurance rates across Florida. This marks an eight-fold augmentation compared to the preceding year of 2021 and stands as the most considerable annual upswing within a span of at least 20 years. These revelations stem from the Florida Department of Insurance. In parallel, homeowners insurance rates across the state experienced an average uptick of 10.8% in the preceding year—a peak annual growth unseen since 2012.

Information About Fort Myers

Fort Myers is recognized for its burgeoning community, robust economic landscape, diverse cultural tapestry, recreational opportunities, and abundant natural assets, solidifying its status as one of the nation’s dynamic urban hubs. Encompassing an area of considerable expanse at 48.9 square miles, Fort Myers proudly holds its place as a significant geographical presence.

Rising as the commercial and cultural focal point of southwestern Florida, Fort Myers offers an appealing advantage with its relatively moderate cost of living. This locale presents a host of tax benefits, including exemptions from corporate franchise tax, state personal tax, inventory tax, and foreign income tax. The city’s vibrancy is further propelled by the presence of various educational institutions and the impact of its strategic naval installations, both of which contribute to a diverse and highly skilled workforce.

Car Insurance Discounts In Fort Myers

Auto insurance rates in Fort Myers come in at a more budget-friendly level compared to other prominent cities in Florida, such as Tampa and Miami. However, if you’re aiming to reduce expenses, it’s crucial to delve into the realm of discounts. Several prevalent discount categories include:

  • Having a good driving history
  • Installing vehicle safety features
  • Customer loyalty
  • Being claims-free
  • Driving fewer than average miles
  • Being a student with at least a “B” average
  • Military discount
  • Senior discount


What is the cheapest car insurance in the State of Florida?

For those seeking the most affordable car insurance in Florida, GEICO takes the lead with a yearly rate of $437 for minimum liability coverage.

Do I need car insurance in Fort Myers?  

By legal mandate in Florida, auto liability insurance is a necessity for Fort Myers drivers, making it an obligatory component of coverage.

How much does car insurance cost in Fort Myers on average?  

For Fort Myers residents, the typical expense for full coverage car insurance amounts to an annual average of $2,562. On the other hand, the average cost for minimum coverage hovers around $1,121 per year.

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