Best Cheap Auto Insurance in Fort Myers, FL (2021)

The average Fort Myers, FL auto insurance rates are $337 per month. The minimum auto insurance in Fort Myers is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Fort Myers, 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 cheapest auto insurance company in Fort Myers is USAA
  • Average auto insurance rates in Fort Myers, FL for senior drivers are $2,463 per year
  • The minimum auto insurance required in Fort Myers, Florida is 10/20/10

Fort Myers, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Fort Myers 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 Fort Myers, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Fort Myers to other Florida cities, including Port St. Lucie auto insurance rates, Cape Coral auto insurance rates, and St. Petersburg auto insurance rates to see how Fort Myers, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Fort Myers, Florida

Fort Myers, 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 Fort Myers, Florida.

Minimum Required Auto 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

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Cheap Fort Myers, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Fort Myers, 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 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

Cheap Fort Myers, Florida Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Fort Myers, Florida Auto Insurance for Seniors

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

Annual Auto 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

Cheap Fort Myers, 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 Fort Myers, Florida compared to the annual auto insurance rates with a clean record in Fort Myers, Florida.

Annual Fort Myers, Florida Auto 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

Cheap Fort Myers, Florida Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fort Myers, Florida

Insurance Company Annual Auto 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

Cheap Fort Myers, Florida Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Fort Myers, Florida Auto Insurance Rates By ZIP Code

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

Annual Auto 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

Cheap Fort Myers, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fort Myers, Florida

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

Cheap Fort Myers, Florida Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Fort Myers, Florida

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

Best Annual Auto 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

The Cheapest Fort Myers, Florida Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Fort Myers, Florida?

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

Fort Myers Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Fort Myers, Florida auto theft statistics, there have been 257 auto thefts in the city.

Fort Myers Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fort Myers, Florida commute length is 27.2 minutes according to City-Data.

Fort Myers Traffic

How does Fort Myers, Florida rank for traffic? According to Inrix Fort Myers, Florida is the 521st most congested worldwide.

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Compare Fort Myers, Florida Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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