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Cheap Car Insurance in Fort Myers, FL

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 car insurance in Fort Myers, FL if you look hard enough. AutoInsuranceEZ.com is your best bet for finding the coverage you need from a quality provider at the rate you deserve. And it’s easier than ever to help compare prices with us.

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. If you can find time to pause between Instagram shots, click here to learn more about Fort Myers, FL.

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 the lowest and best possible rate for you.

Average Monthly Auto Insurance Premiums Legend: Fort Myers The General Hanover Allied Allstate Farmers 15 30 45 60 75 90 105 120 135 150 165 180 $192 $137 $121 $169 $176

 
According to our research, Hanover and Allied are pulling ahead as the most affordable providers in the area. 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.

Do you know what Florida Auto Insurance providers 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 car insurance companies determine rates, the easier it will be for you to find a cheap one near you.

Major Car Insurance Factors in Fort Myers

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 your insurance company 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 your car insurance.

Auto Insurance by Zip Code Legend: Fort Myers Miami Tampa The General Hanover Allied 15 30 45 60 75 90 105 120 135 150 165 180 $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, FL Legend: Fort Myers Fatal Accidents Vehicles Involved in Fatal Accidents Fatal Crashes Involving Drunk Persons Fatalities Persons Involved in Fatal Crashes Pedestrians Involved in Fatal Crashes 4 8 12 16 20 24 28 32 36 40 44 48 52 22 40 5 24 52 8

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 Policy Legend: Basic Coverage Comprehensive Coverage The General Hanover Allied 15 30 45 60 75 90 105 120 135 150 165 180 195 210 $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 Score Legend: Good Credit Poor Credit The General Hanover Allied 15 30 45 60 75 90 105 120 135 150 165 180 195 210 225 $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 Comparison Legend: 17 Year Old Driver 35 Year Old Driver The General Hanover Allied 20 40 60 80 100 120 140 160 180 200 220 240 260 280 $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 Violations Legend: Perfect Record Minor Violation Major Violation The General Hanover Allied 20 40 60 80 100 120 140 160 180 200 220 240 260 280 $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 premiums 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/Model Legend: 2015 Honda Accord 2015 Chevy Corvette The General Hanover Allied 25 50 75 100 125 150 175 200 225 250 275 300 325 350 375 $192 $385 $137 $238 $121 $226

Minor Car Insurance Factors in Fort Myers

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.

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%, will be driving their own vehicle solo. About 13% 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% 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 an affordable premium at an affordable price, 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!

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.

Sources:

Florida Office of Insurance Regulation

Florida Department of Financial Services

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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