Best Auto Insurance Rates in Fort Myers, Florida

On average your neighbors pay $98 a month.

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Friday, November 9 2018 By QuoteWizard

Fort Myers, Florida is home to a couple of unique tourist attractions. The Seminole Lodge, Thomas Edison’s winter home, and The Mangoes, Henry Ford’s winter home, bring in thousands of tourists every year. However, staples for the locals include high school basketball and beautiful weather all year round. So there’s no need to stress—or overpay for car insurance.

Average Fort Myers Car Insurance Rates

How much is car insurance in Ft. Myers, FL? Ask anyone and you'll find out it can be expensive. The average cost of auto insurance in Florida is $1,185.25 per year. The national average price is $889.01.

Prices will vary depending on your coverage, policy limits, driving record, and where you live because of the number of claims filed in your zip code.

Florida Average Annual Car Insurance Rates
Coverage Rates
Liability $857.64
Collision $282.96
Comprehensive $116.53
Total Cost Per Year $1,185.25
Price Per Month $98.77
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.

Florida average car insurance rates

Save up to 40% when you compare quotes from top companies and local agents. QuoteWizard can help you find cheap car insurance rates near Fort Myers, Florida and save up to 40% on your premium.

Last year, 5,247 people used QuoteWizard to compare auto insurance quotes in Fort Myers, FL from multiple companies and get the cheapest rates.

Best Car Insurance Companies in Fort Myers, FL

This is our list of the most common car insurance companies reported by QuoteWizard users living in Fort Myers, Florida last year. Of the 5,247 people who requested quotes,183 were uninsured.

  1. State Farm
  2. GEICO
  3. Allstate
  4. Progressive
  5. Esurance
  6. 21st Century
  7. AAA
  8. Liberty Mutual
  9. Nationwide
  10. Farmers

Top 10 Vehicles

These are the most common car makes and models owned by Fort Myers, FL drivers requesting car insurance quotes through QuoteWizard last year.

  1. Ford F-150
  2. Kia Soul
  3. Honda Accord LX/EX
  4. Hyundai Sonata GLS
  5. Ford Explorer
  6. Nissan Altima 2.5S
  7. Cadillac Deville
  8. Toyota Camry LE/XLE
  9. Lexus ES 350
  10. Toyota Corolla CE/LE

Minimum Car Insurance Requirements in Ft. Myers, FL

Fort Myers, Florida has a minimum coverage requirement known as the 10/20/10 rule, which means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $10,000.
    This is the most your insurance company will pay for one person injured in a car accident. It applies only to people named on your policy.
  • Total Bodily Injury Liability: $20,000.
    This is the most your insurance company will pay in total for everyone injured in a car accident. It applies to you and people not named on your policy.
  • Property Damage Liability (PIL): $10,000.
    This is the most your insurance company will pay for property damage caused by a car crash. This includes all physical damage such as vehicle damage and damage to road fixtures. If you hit a telephone pole or road sign, you’re covered.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

Moving Violations

Moving violations such as speeding tickets, accidents, red light infractions, failure to stop, and reckless driving will give you a bad driving record and raise your insurance rates.

Traffic Tickets

The Fort Myers Police Department website allows you to pay traffic citations and tells Fort Myers drivers how to plead not guilty. You can also contest tickets and sign up for driver improvement school.

In 2015, Fort Myers Police Department issued 2,945 traffic citations. 

Fort Myers DUIs

Getting a DUI can cause all kinds of problems, especially increasing your rates. After your rates go up, legal and financial woes can stick around for months. Lee County Sheriff’s office provides DUI data and updates via its website.  At the end of the day, a DUI can typically cost between $10,000 and $15,000.

In 2015, the Traffic Unit of the Fort Myers Police department arrested 112 people for suspicion of driving under the influence.

SR-22 or FR-44 DUI Insurance

A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Fort Myers DUI insurance.

Car Crash Statistics

Fort Myers Police reported 2,436 motor vehicle crashes in 2016, resulting in 1,876 injuries. This was down slightly from the 2,160 crashes reported in 2015.

Traffic Fatalities

Fort Myers Police reported 15 fatal car crashes in 2016. This was identical to the 15 fatalities reported in 2015.

Vehicle Theft Rates

Fort Myers reported 191 vehicle thefts in 2016. This is a rate of 2.58 thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your  rates. These are some of the many auto insurance discounts available to drivers in Fort Myers, FL.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
  2. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  5. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  6. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more

Sources:

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