Key Takeaways
- GEICO has the cheapest auto insurance in Fort Myers, charging $24 a month, on average, for minimum coverage.
- State Farm has the cheapest rates for full-coverage auto insurance, averaging $137 a month.
- Car insurance in Fort Myers is cheaper than the Florida state average.
In this article
The cheapest car insurance companies in Fort Myers, FL
GEICO is the cheapest car insurance company in Fort Myers, Florida, based on our research. It offers the city’s lowest average rates for both 18- and 35-year-old drivers looking for minimum coverage. It also has the most affordable rates for drivers with bad credit.
State Farm is the cheapest company for some other driver profiles. This includes 35- and 65-year-old drivers shopping for full-coverage policies. State Farm also has the lowest rates for married drivers as well as those with tickets, accidents or DUIs on their records.
To find out which insurer has the best and cheapest rates for you, compare car insurance quotes from several companies.
Cheapest full-coverage auto insurance rates in Fort Myers: State Farm
State Farm has the cheapest full-coverage auto insurance in Fort Myers. On average, it charges $137 a month for full-coverage policies.
The average cost of full-coverage car insurance in Fort Myers is $237 a month. State Farm’s average rate is 42% cheaper.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $137 |
| GEICO | $146 |
| Travelers | $153 |
| City average | $237 |
| UAIC | $269 |
| Progressive | $273 |
| Allstate | $442 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Full-coverage car insurance usually includes comprehensive and collision coverages as well as liability coverage. It also often includes higher liability limits than minimum coverage does.
See how much you could save with a new car insurance policy
Cheapest minimum-coverage auto insurance rates in Fort Myers: GEICO
Fort Myers drivers who want minimum-coverage car insurance will find the cheapest rates from GEICO. It charges $24 a month, on average, for minimum-coverage policies.
The average cost of auto insurance in Fort Myers is $89 a month if you buy minimum coverage. GEICO’s average rate is 73% cheaper than the city average.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $24 |
| State Farm | $57 |
| Travelers | $59 |
| City average | $89 |
| Progressive | $106 |
| UAIC | $125 |
| Allstate | $164 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
Minimum-coverage car insurance pays for injuries and damage you cause to others. It won’t pay for your own injuries or damage to your vehicle.
Also, if an accident victim’s medical or car repair costs go over your policy’s limits, you may need to pay the difference.
Cheapest car insurance in Fort Myers for drivers with bad credit: GEICO
For the cheapest car insurance rates in Fort Myers with bad credit, go to GEICO. There, drivers can get full-coverage policies at an average of $259 a month.
Drivers with bad credit tend to pay higher car insurance premiums than do drivers with good credit. This is because insurance companies often equate credit scores with overall driving risk.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $259 |
| UAIC | $269 |
| State Farm | $293 |
| Travelers | $320 |
| City average | $401 |
| Progressive | $412 |
| Allstate | $855 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. | |
Cheapest car insurance for drivers with a prior incident
State Farm is the best source of cheap car insurance for drivers with a ticket or accident on their records in Fort Myers. It also charges the lowest rates to drivers with a DUI.
This is a big deal, as most incidents impact your car insurance rates for three to five years, depending on your provider. Major incidents like DUIs may raise your rates for a longer period of time.
Cheapest for drivers with a speeding ticket: State Farm
For cheap car insurance with a speeding ticket on your record, get a quote from State Farm. Its average monthly rate is $146 for such drivers. This is for full coverage; you’ll likely pay a lower rate if you get less coverage.
A speeding ticket raises the average cost of car insurance in Fort Myers by 19%. State Farm’s rates only go up 7% after a speeding ticket, on average.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $146 |
| Travelers | $192 |
| GEICO | $251 |
| UAIC | $269 |
| City average | $283 |
| Progressive | $399 |
| Allstate | $442 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: State Farm
State Farm also has the cheapest car insurance rates for Fort Myers drivers with an at-fault accident. It charges these drivers an average $157 a month for full coverage.
The city’s average car insurance rate for a driver with an accident on their record is $356 a month. That’s 50% higher than what drivers with clean records pay.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $157 |
| Travelers | $204 |
| GEICO | $208 |
| UAIC | $350 |
| City average | $356 |
| Progressive | $424 |
| Allstate | $797 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for drivers with a DUI: State Farm
State Farm is the best option for cheap car insurance with a DUI on your record in Fort Myers. Its average rate is $146 a month in this situation – that’s nearly $100 a month cheaper than second-cheapest Travelers.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $146 |
| Travelers | $232 |
| GEICO | $258 |
| Progressive | $330 |
| City average | $334 |
| UAIC | $467 |
| Allstate | $571 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
In Fort Myers, the average driver with a DUI pays $334 a month for full-coverage car insurance. That’s 41% higher than what drivers with a clean record pay.
Cheapest car insurance for senior drivers: State Farm
You can find the cheapest car insurance for senior drivers at State Farm, based on our data. It charges $126 a month, on average, for full coverage. If you don’t need full coverage, you’ll pay a good bit less.
The average 65-year-old driver in Fort Myers pays 7% less for car insurance than a 35-year-old driver does. This isn’t unusual. Insurance companies often see seniors as safe and reliable drivers, and reward them for it with lower rates. These lower rates don’t last forever, though. You can expect your car insurance rates to go up again around age 70.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $126 |
| GEICO | $132 |
| Travelers | $133 |
| City average | $220 |
| UAIC | $248 |
| Progressive | $256 |
| Allstate | $427 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
One way to combat increasing car insurance costs as a senior is to look for discounts. Many insurance companies offer a discount if you complete a defensive driving class. Find out which classes qualify for a discount before you enroll in one.
Get cheap car insurance no matter your age
Cheapest car insurance for young drivers: GEICO and State Farm
For cheap car insurance for young drivers in Fort Myers, go to GEICO and State Farm.
GEICO has the cheapest car insurance rates for young drivers who want minimum coverage, charging an average $66 a month. State Farm has the cheapest full-coverage car insurance for Fort Myers teens. Its average rate here is $374 a month.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $110 | $374 |
| GEICO | $66 | $406 |
| Travelers | $120 | $437 |
| UAIC | $300 | $648 |
| City average | $188 | $703 |
| Progressive | $213 | $755 |
| Allstate | $321 | $1,599 |
| Rates are for an 18-year-old male with a clean driving record. | ||
The average cost of minimum-coverage car insurance for 18-year-olds in Fort Myers is more than double what the average 35-year-old pays. Teens pay triple the 35-year-old rate for full coverage.
Teen drivers pay such high car insurance rates because they have the highest accident rates among all age groups.
One way to avoid these sky-high rates is to get added to a parent’s policy, if you can. Teens pay around 50% less for car insurance when added to a parent’s policy than when they buy their own. You can also see if your insurance provider offers discounts. Many offer discounts for good grades or for completing an approved driver’s education program.
Cheapest car insurance for married drivers: State Farm
State Farm charges the cheapest car insurance rates to married drivers in Fort Myers. Its average rate in this case is $137 a month.
This is the same average rate State Farm charges single drivers. Some other insurance companies give lower rates to married drivers, though. Progressive is a good example. The average rate it charges married drivers in Fort Myers is 18% lower than what it charges single drivers of the same age.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $137 |
| GEICO | $149 |
| Travelers | $153 |
| Progressive | $224 |
| City average | $229 |
| UAIC | $247 |
| Allstate | $462 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
Why do married drivers often pay lower car insurance rates than single drivers? The main reason is married drivers are less likely to be involved in an accident.
Car insurance laws in Florida
Florida car insurance requirements
Florida requires drivers to carry personal injury protection (PIP) and property damage (PD) liability insurance. You must get at least $10,000 of each coverage type when buying a policy.
For most drivers, bodily injury (BI) liability and uninsured motorist (UM) coverage are optional. You may need to get BI coverage if you have an at-fault injury accident or certain other prior incidents on your record.
| Coverage type | Required minimum limit |
|---|---|
| Property damage liability | $10,000 |
| Personal injury protection | $10,000 |
| Bodily injury liability | $10,000 per person/$20,000 per accident; optional for most |
| Uninsured/underinsured motorist | $10,000 per person/$20,000 per accident; optional |
No-fault car insurance
Florida is a no-fault car insurance state. This means your own PIP coverage pays your medical bills as well as some other expenses after an accident, no matter who causes it.
If you cause an accident, though, you are financially responsible for damage to other vehicles and property. You’re also responsible for an injured person’s medical costs that go over their PIP limits.
FR-44 and SR-22 insurance
In Florida, drivers are required to file FR-44 or SR-22 certificates in certain situations.
The state usually requires you to file an FR-44 certificate with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) after a DUI conviction. You may have to file an SR-22 if you’re caught driving without car insurance.
In both cases, you need to buy car insurance with certain liability and PIP limits to qualify for the certificate.
Frequently asked questions
The average cost of car insurance in Fort Myers is $89 a month if you buy a minimum-coverage policy. For full-coverage car insurance, the average cost is $237 a month.
GEICO has the cheapest car insurance in Fort Myers, charging an average $24 a month for minimum coverage. State Farm has the cheapest full-coverage car insurance, at $137 a month, on average.
State Farm has the cheapest car insurance rates for seniors in Fort Myers. It charges 65-year-olds $126 a month for full-coverage policies. This is the company’s average rate; you may pay more or less depending on various factors.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Fort Myers, Florida.
Unless otherwise noted, our sample driver is a single 35-year-old male with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
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