Fort Myers, FL Auto Insurance | Cheap Car Insurance in Fort Myers, FL

Finding cheap car insurance in Fort Myers, FL requires shopping around. One of the best Fort Myers, FL car insurance companies, Allied, offers Fort Myers, FL auto insurance at $121/month. Florida is one of the most expensive states when it comes to auto insurance rates — but that doesn't mean you can't find cheap auto insurance in Fort Myers, FL by comparing auto insurance quotes below.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Nov 17, 2020

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Some of the best Fort Myers, FL car insurance companies are The General, Hanover, Allied, Allstate, and Farmers. Cheap car insurance in Fort Myers, FL is offered by Allied with rates as low as $121 per month. We recommend carrying enough Fort Myers, FL auto insurance or you may find yourself in trouble if you have an accident. You can read more about Fort Myers, Florida auto insurance below.

The population in Fort Myers has boomed in the last few years. It is one of the main towns you have to pass through if you want to travel to Southwest Florida from the northern parts of the state, and it is also a very popular tourist destination.

Two of the biggest attractions which had tourists flocking to the area are the winter estates of Henry Ford and Thomas Edison, known as The Mangoes and the Seminole Lodge, respectively.

Fun fact: Smile for the camera! Fort Myers is #6 on the list of top 100 cities of people who share photos of Fort Myers per capita.

Florida’s one of the most expensive states when it comes to auto insurance rates — but that doesn’t mean you can’t find cheap auto insurance in Fort Myers, FL if you look hard enough. is your best bet for finding Fort Myers, FL auto insurance quotes. And it’s easier than ever to help compare prices with us. Use our FREE quote tool to compare insurance rates now!

Auto Insurance Coverage Requirements in Florida

Driving legally in Fort Myers requires:

Coverage Requirements Most Common
Bodily Injury Liability Not required 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 10,000/20,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

You cannot drive legally in the state of Florida without purchasing auto insurance. But you can help mitigate this required expense by choosing the amount of coverage that is appropriate for your vehicle.

Older vehicles and less expensive vehicles obviously don’t need as much coverage, but you will need to purchase an appropriate amount of liability coverage to make sure you don’t get sued or have your own financial assets seized in the event of a serious accident.

Newer and more expensive cars should have comprehensive and collision coverage, along with higher limits and even some gap coverage if you purchased your vehicle brand new.

Living in Florida means you can expect to pay at least $170 per month for your policy because that’s the state average. But you could save at least $69 or more by shopping around with us right now!

We have direct connections to many of the leading providers in the Sunshine State. And we can help you compare them against one another in order to find low cost auto insurance in Fort Myers, Florida.

Enter your ZIP code below to compare auto insurance rates.

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Fort Myers, FL Cheapest Auto Insurance

Average Monthly Auto Insurance PremiumsLegend: Fort Myers The GeneralHanoverAlliedAllstateFarmers 153045607590105120135150165180$192$137$121$169$176

There are a variety of companies offering competitive rates, including Amigos Auto Insurance Fort Myers, FL, Direct Auto Insurance Fort Myers, FL, Fiesta Auto Insurance Fort Myers, FL, Mr. Auto Insurance Fort Myers, FL, Progressive [car] Insurance Fort Myers, FL and more. According to our research, Hanover and Allied are pulling ahead as the most affordable car insurance agencies in Fort Myers, Florida. Allstate and Farmers are a little more expensive, but you also may find better customer service at those well-established companies.

The General is a little pricier than most of its competitors, but it also offers coverage to drivers who may otherwise not be able to get insured.

Either way, you’re going to want to compare these rates to others in your ZIP code if you want to make sure you get the most affordable price. In addition to Direct Auto Insurance Fort Myers, Florida, Progressive [auto] Insurance Fort, Myers, FL, Baker [car] Insurance Fort Myers, Florida, and Fiesta Auto Insurance in Fort Myers, Florida, there are companies such as Auto-Owners Insurance Fort Myers, FL and GEICO Fort Myers, FL. You can also search online for the GEICO phone number Fort Myers nearest location. One more candidate is Best Insurance on Palm Beach Blvd, Fort Myers.

Do you know what Fort Myers, Florida auto insurance companies look at when figuring out your premiums? As it turns out, many things. For starters, are you an older driver who owns their own home and has a good credit score? Or are you a younger driver with a few tickets on your record and a lower level of education?

These are just a few of the factors that can determine whether or not you get an affordable monthly premium. The more you educate yourself on how Fort Myers, FL auto insurance companies determine rates, the easier it will be for you to find the cheapest auto insurance Fort Myers, FL.

Major Factors in Cheap Car Insurance in Fort Myers, Florida

Let’s start by talking about the most important factors which determine the total value of your monthly rate.

In the section, we will discuss the things which insurance providers believe are the strongest indicators that you are a responsible, safe driver who will pay their bills on time and cost them very little money to insure.

Your ZIP Code

Insurance companies ask for your ZIP code because it provides them with a wealth of information which can help them predict your likelihood of getting into an accident.

The fact that Fort Myers’ booming population is now sitting at 77,154 residents might give car insurance companies in Fort Myers, Florida pause. Because the city has been growing so rapidly in such a short amount of time, they may not have the infrastructure to handle that much traffic safely.

Residents are also estimated to be bringing home an average $36,485 a year.

Lower property values also tend to make insurance companies nervous. So, unfortunately, living in Fort Myers can make things more expensive for you with regard to auto insurance in Fort Myers, FL.

Auto Insurance by ZIP CodeLegend: Fort Myers Miami Tampa The GeneralHanoverAllied 153045607590105120135150165180$192$161$158$137$138$142$121$120$123

Automotive Accidents

Like we just touched on, living in an area which doesn’t have the infrastructure to handle its rush-hour traffic means there will likely be more accidents happening. This increases your risk of getting into an accident, no matter how careful of a driver you are.

That risk means your insurance company is going to charge you more in order to protect themselves from paying out expensive claims for you. As you can see in the chart below, the data doesn’t look good for the traffic statistics in Fort Myers.

Fatal Accidents in Fort Myers, FLLegend: Fort Myers Fatal AccidentsVehicles Involved in Fatal AccidentsFatal Crashes Involving Drunk PersonsFatalitiesPersons Involved in Fatal CrashesPedestrians Involved in Fatal Crashes 4812162024283236404448522240524528

Auto Thefts in Fort Myers

How about the risk of auto theft in Fort Myers? The most recent data shows an annual average of 220 vehicles reported stolen in the area. This may not sound like that much given the population of Fort Myers, but these numbers have been escalating steadily every year since 2014.

Your insurance company may penalize you for this too – but talk to them about what you can do to lower your likelihood of auto theft, such as installing a passive alarm system to deter would-be thieves. You might even get a discount for it.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage The GeneralHanoverAllied 153045607590105120135150165180195210$192$217$137$177$121$198

Your Credit Score

If you have a low credit score, it’s usually not for lack of trying. Unfortunately, many businesses and other organizations feel that you should be punished further for your financial status by charging you higher rates on things like car insurance, among other financial products.

The best thing you can do is try to swim upstream and do everything you can to improve your credit score – that way, over time, you may be able to give yourself a chance at a lower rate.

Auto Insurance by Credit ScoreLegend: Good Credit Poor Credit The GeneralHanoverAllied 153045607590105120135150165180195210225$192$237$137$222$121$151

Your Age

Did you know that younger drivers will be charged a staggeringly higher rate until they have the age of 25? And depending on when they actually got their license, it may take longer than that for them to see the rates which older, more experienced, mature drivers get for their car insurance premiums.

The stark differences in the chart down below are very telling of this situation.

Auto Policy Age ComparisonLegend: 17 Year Old Driver 35 Year Old Driver The GeneralHanoverAllied 20406080100120140160180200220240260280$294$192$236$137$287$121

Your Driving Record

Insurance companies are all about reducing their risk. Most companies want to insure drivers that pose the least risk of getting into an accident. This is because when drivers get into accidents and file claims, insurance companies have to lose money – which they don’t like to do.

This is why driving violations and speeding tickets will automatically raise most people’s rates. The insurance company is hedging their bet that you are more likely to get into an accident, and they are charging you more so that it’s not as expensive for them to pay out your claims in the long run.

Driving ViolationsLegend: Perfect Record Minor Violation Major Violation The GeneralHanoverAllied 20406080100120140160180200220240260280$192$250$289$137$163$216$121$169$263

Your Vehicle

More often than not, the slogan “insurance follows the vehicle, not the driver” is truer than anything. The safety of your vehicle, the likelihood of it getting stolen, its overall value, and sometimes even the color will affect how expensive your Fort Myers, FL auto insurance rates end up being.

The chart below shows the difference between a modestly-priced, popular car versus an expensive luxury vehicle. As a general rule of thumb, the cheaper and older your vehicle, the more affordable your insurance rates will be.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2015 Chevy Corvette The GeneralHanoverAllied 255075100125150175200225250275300325350375$192$385$137$238$121$226

Minor Factors in Cheap Auto Insurance in Fort Myers, Florida

Of course, tweaking some of the factors below can add up to some extra savings over time:

Your Marital Status

Are you getting married soon? Then get ready to save money on your car insurance! Insurance companies tend to assume that married people will drive more carefully and carpool more often, which should automatically get you a small rate reduction.

Furthermore, most married couples also bundle their auto insurance policies together with the same company – and most companies will offer you a discount for doing this.

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Your Gender

Is there really a difference between the way men and women drive? It really all boils down to the individual. And since your insurance company can’t sit next to you in your vehicle and determine whether you are a safe or an aggressive driver, they sometimes make assumptions based on gender.

Not all companies still do this, but the ones that do may charge you 1% to 3% more for your premiums if they don’t feel you are the safer sex behind the wheel.

Your Driving Distance to Work

Commute times in Fort Myers can vary widely depending on how lucky or unlucky you are. For the most part, employed residents of Fort Myers spend an average of 10 to 15 minutes commuting to work. But for a lot of people, this isn’t always the case.

An even bigger chunk of drivers can spend anywhere from 20 to 35 minutes getting to their destination. The vast majority of these, almost 75 percent, will be driving their own vehicle solo. About 13 percent will carpool, and around half of those choose to work from home instead.

Your annual mileage is another factor that insurance companies use to calculate your level of risk. Obviously, the more miles you drive, the more time you spend on the road – which increases your likelihood of an accident.

If you can manage to drive fewer miles, you could end up saving money. Especially if you purchase a policy from a company that allows you to track your miles using plug-in devices.

Your Coverage and Deductibles

Did you know that lowering your deductible can raise your monthly premium? The opposite is true, too; you can lower your monthly premium by raising your deductible. Having a lower deductible means it’ll be easier for you to get back on the road if you do have an accident.

Having a higher deductible can save you more money over time, but can also leave you stranded if you don’t have that money to pay if your car is up in the shop. It’s up to you to make the wisest decision and to balance the risk between the two scenarios.

Education in Fort Myers, FL

Fort Myers isn’t necessarily the most intellectual spot in the Sunshine State. Fewer than 30 percent of the residents have achieved a high school diploma or some sort of equivalent certificate.

They’re also behind the state average when it comes to bachelor’s degrees. As a matter of fact, the number of high school dropouts living in the Fort Myers area is around 33% higher than the state average.

But this isn’t for lack of opportunities. Fort Myers is home to the Florida Gulf Coast University which boasts a full-time enrollment of over 11,000 students and offers bachelor’s, master’s, and doctoral degrees. it is a public university, which means that obtaining funding should be easier for prospective students.

There’s also Edison State College, which is another public university of a similar size. Aside from those two, there are a handful of private institutions which offer technical degrees in specific industries.

There’s no reason to settle for an insurance company that you feel isn’t giving you the value you deserve for the price you’re paying each month. It’s important to find a company who’s willing to offer you affordable Fort Myers, FL auto insurance, along with high-quality customer service.

That’s why it’s essential to shop around if you want to save money and purchase a quality insurance product from a good company. If you give us your ZIP code, we promised you will help you do exactly that – in just a matter of minutes!

Use our FREE tool to compare now!

Enter your ZIP code below to compare auto insurance rates.

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How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.



Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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