Best Cheap Auto Insurance in Estero, FL (2021)

The average Estero, FL auto insurance rates are $327 per month. The minimum auto insurance in Estero is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Estero, Florida, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Estero is 25.6 minutes
  • The most expensive auto insurance company in Estero for teen drivers is Allstate
  • The minimum auto insurance required in Estero, Florida is 10/20/10

Estero, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Estero can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Estero, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Estero to other Florida cities, including Fort Lauderdale auto insurance rates, St. Petersburg auto insurance rates, and Miami auto insurance rates to see how Estero, Florida auto insurance rates stack up.

Before you buy Estero, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Estero, Florida auto insurance quotes.

Minimum Auto Insurance in Estero, Florida

Estero, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Estero, Florida.

Minimum Required Auto 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

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Cheap Estero, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Estero, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Estero, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Estero, Florida is a challenge. Take a look at the annual teen auto insurance rates in Estero, Florida.

Annual Auto 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

Cheap Estero, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Estero, Florida? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Estero, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Estero, Florida compared to the annual auto insurance rates with a clean record in Estero, Florida.

Annual Estero, Florida Auto 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

Cheap Estero, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Estero, Florida is not easy. Compare the annual rates for DUI auto insurance in Estero, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in Estero, Florida

Insurance Company Annual Auto 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

Cheap Estero, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Estero, Florida annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Estero, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Estero, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Estero, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Estero, Florida

ZIP Code Average Annual Rates
33928 $3,036

Cheap Estero, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Estero, Florida auto insurance. Find the cheapest annual Estero, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Estero, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Estero, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Estero, Florida? Check out the comparison of annual Estero, Florida auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Estero, Florida

Compare the cheapest auto insurance companies in Estero, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Estero, Florida Auto Insurance Companies

What auto insurance companies in Estero, Florida are the cheapest? Compare the top Estero, Florida auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Estero, Florida?

There are a lot of reasons why auto insurance rates in Estero, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Estero, Florida. Many local factors may affect your Estero auto insurance rates.

Estero Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Estero, Florida commute length is 25.6 minutes according to City-Data.

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Compare Estero, Florida Auto Insurance Quotes

Before you buy Estero, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Estero, Florida auto insurance quotes.

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