Best Rates on Fort Myers Auto Insurance, Florida (2023) 

The most affordable options for full-coverage auto insurance in Fort Myers are State Farm, GEICO, and Allstate.

In Fort Myers, the average monthly cost of minimum-coverage auto insurance is $283, which is $126 less than the state average of $409 in Florida. However, the cost of auto insurance will vary depending on a driver’s age, credit history, driving record, and the type of vehicle insured.

Comparing multiple insurers is one of the best ways to discover the finest vehicle insurance coverage at the best price. Compare some of the lowest auto insurance quotes in Fort Myers to get the one that best suits your requirements.

How much does Fort Myers vehicle insurance cost?

To get the most affordable quotes in the city, Insurify data scientists examined the most recent Fort Myers insurance prices. Full-coverage insurance typically cost between $115 and $1,020 per month, whereas liability-only policies cost between $95 and $400 per month.

In Fort Myers, car insurance rates can vary greatly. Despite the fact that prices typically start at $95, a variety of driver-specific variables, including age, gender, and driving history, affect how insurers choose rates. You can locate the most affordable option for your coverage requirements by comparing prices from several insurers.

  • At $95 per month, State Farm has the cheapest liability-only insurance in Fort Myers.
  • In Fort Myers, State Farm offers full-coverage insurance for the least expensive price—just $115 a month.
  • In Fort Myers, Travellers offers the most affordable insurance for inexperienced and young drivers, at $224 per month.

State Farm offers Fort Myers’ lowest cost auto insurance.

In Fort Myers, State Farm has the most affordable insurance rates, with liability-only coverage going for, on average, $95 per month and full-coverage policies going for, on average, $115 per month. Remember that a number of variables affect policy rates, so a driver’s quote could be higher or cheaper than average.

Fort Myers’s typical vehicle insurance rate

In Fort Myers, the average monthly cost of auto insurance is $292. Both liability-only and full-coverage insurance fall under this category. The average monthly cost of auto insurance in Fort Myers is shown in the table below.

The difference in average rates between the lowest and highest quotes is $605, but keep in mind that these rates could be more or lower than your quote.

Average Fort Myers auto insurance rates by marital status

Although several drivers are unaware of the extent to which their partner might affect a premium, marital status is another factor that influences auto insurance costs. Not having a spouse on your insurance policy, but rather having a spouse, is what matters. Your premium may change based on your partner’s driving record, gender, vehicle, and age, much like it would if you added a child to the policy.

For instance, increasing the likelihood that you will receive a higher rate by adding a companion with a good driving record. However, if you add a partner who has a history of accidents or moving offences, your monthly premium can go up.

A single policyholder in Fort Myers pays an average monthly premium of $364, while a married policyholder pays an average monthly premium of $346.

In Fort Myers, how much auto insurance do you require?

All motor vehicles used or parked on state roads in Florida are required to have insurance. The minimal criteria for liability insurance include:

  • $10,000 for property damage liability per accident
  • Personal injury protection (PIP) coverage of $10,000 per accident

Drivers in Florida are also required to carry proof of insurance, which they must show in the following circumstances:

  • when a collision occurs with the vehicle
  • while reregistering a vehicle
  • whenever law enforcement so requests

Keep in mind that Florida is a no-fault state, which means that regardless of who caused the accident, each party’s insurance company will cover medical costs.

Information on Florida’s DMV

Each of Florida’s 67 counties is served by a site of the Florida Department of Highway Safety and Motor Vehicles. It provides services for paying a speeding ticket in person or online, registering a vehicle or title, and applying for or renewing a driver’s licence.

Advice on finding affordable auto insurance in Fort Myers

It takes research to find affordable auto insurance in Fort Myers. Numerous variables can affect a quote, so you should be aware of how to negotiate the best deal with various insurance. Some insurance companies, for instance, provide discounts when you bundle your auto and house insurance policies into a single policy. 

Get quotations from at least three providers while looking for insurance. This include getting in touch with insurers directly, making connections with independent agents, and researching businesses that offer insurance products over the phone and online. The following are some benefits of comparison shopping:

  • Identifying the discounts and rewards that an insurer gives
  • establishing a foundation line for local average rates
  • interacting with neighbourhood agents who are more knowledgeable about local danger factors

necessarily keep in mind that the “cheapest” policy may not necessarily have the lowest premium. You may determine which coverage will cost you the least over time by being aware of how prices may change as a result of incidents like traffic citations, accidents, or no claims.

How Fort Myers’s age influences the cost of auto insurance

Another element that influences insurance premiums is age. Age can have a big impact on your premium in specific circumstances, such as when a parent adds a young driver to their policy. Comparing drivers under the age of 19, teens are statistically more likely to be involved in both deadly and nonfatal accidents.

It’s typical to see higher average monthly rates for younger drivers because they have a lower accident risk than teens.

Cheapest young driver’s auto insurance in Fort Myers

Travellers offers the cheapest auto insurance for young drivers in Fort Myers, with average monthly premiums of $224. This average applies to full-coverage plans; liability-only policies may have a different average rate.

Young drivers in Fort Myers and their parents should look into strategies to reduce their auto insurance. For young drivers who maintain outstanding grades, finish defensive driving classes, or are away at college, several insurers give reductions.

Fort Myers’s best deal on middle-aged drivers’ auto insurance

Safeco offers middle-aged drivers in Fort Myers the most affordable auto insurance, with monthly premiums averaging $188. This average applies to full-coverage plans; liability-only policies may have a different average rate.

Maintaining a clean credit record or combining their vehicle insurance policy with other coverage from the same insurer, such as a homeowners or renters insurance policy, can help drivers in this age range lower their costs.

Fort Myers’s most affordable senior driver’s auto insurance

Travellers offers the lowest vehicle insurance for older citizens in Fort Myers, with average monthly premiums of $120. This average applies to full-coverage plans; liability-only policies may have a different average rate.

By looking for low-mileage discounts, boosting their deductible, or removing their vehicle’s extra insurance, senior drivers can look into ways to cut their rates.

How credit ratings impact affordable auto insurance in Fort Myers

Florida is one of many states whose insurance premiums are dependent on credit ratings. This method evaluates a driver’s entire credit history, thus rates may be impacted by credit score. Credit scores are divided into five groups by the FICO model:

  • Deficient: 300 to 579
  • 580 to 669 Fair
  • Excellent: 670 to 739
  • Excellent: 740 to 799
  • superior: over 799

The impact of driving practises on Fort Myers auto insurance

It’s critical to realise that occurrences other than accidents might have an impact on your insurance prices. Your premiums are also impacted by traffic offences, with some insurers raising rates for both old and new infractions. Speeding, driving while intoxicated, and using a cell phone while driving can all raise the risk of an accident or a traffic ticket.

State Farm offers Fort Myers drivers the cheapest car insurance rates with a clean driving record.

For many insurers, having a spotless driving record is desirable. Being accident-free is crucial, but it’s also crucial to show insurers that your driving practises reduce your likelihood of receiving traffic infractions. For long periods of time, drivers who keep their records spotless may be eligible for reductions from several insurers.

State Farm offers the least expensive vehicle insurance in Fort Myers with accidents.

If you cause an accident, an insurer will typically increase your premiums. Even if you don’t have any more incidents for which you are at blame during that time, these higher rates could last for up to three years.

State Farm offers the lowest rates for DUI drivers in Fort Myers.

A DUI conviction comes with hefty fines, licence suspension, vehicle impoundment, and sometimes even jail time. It can also increase your insurance costs.[7] DUIs are recorded on a person’s driving record for 75 years in Florida.Most insurers view this as a serious offence, and following a DUI/DWI conviction, your insurance provider can decide not to renew your policy.

State Farm offers the least expensive vehicle insurance in Fort Myers with a speeding ticket.

According to the National Highway highway Safety Administration, speeding is a significant factor in one-third of highway fatalities, despite the fact that it may seem like a minor infraction. Depending on your past history of speeding fines, how much you were above the speed limit, and other criteria, your rates could go up.

additional Florida cities that offer auto insurance

View rates for auto insurance in a few additional Florida cities:

  • Affordable Auto Insurance Tampa, Florida
  • Affordable Auto Insurance Miami, Florida
  • Orlando, Florida’s Cheapest Car Insurance Quotes
  • Affordable Auto Insurance Quotes in Lakeland, Florida
  • Most affordable auto insurance rates in Jacksonville, Florida

How to lower your Fort Myers auto insurance rates

In Fort Myers, there are many opportunities to reduce your auto insurance costs. A senior driver, for instance, would find it advantageous to increase their deductible, but a young driver might find it advantageous to retain outstanding grades and a spotless driving record.

Drivers should also take into account the following to possibly reduce their auto insurance costs:
  1. Discounts: A lot of insurers provide discounts that are tailored to certain driving behaviours. Your rate may be reduced, for instance, if you maintain an acceptable credit score, drive a certain number of miles annually, or bundle many policies with the same insurer.
  2. Group insurance: You are not required to look for a policy on your own. Group plans may be provided by employers, associations such as alum chapters, and professional organisations. As a result, you can be qualified for a reduced premium from a particular insurer that you otherwise wouldn’t be.
  3. Searching around for the best deals is one approach to find the least expensive car insurance in Fort Myers. However, over time, insurers could change their prices or incentive schemes, so it’s a good idea to regularly compare similar products. By switching insurers, you might be able to secure a policy that satisfies your coverage requirements at a reduced premium.

conditions for driving in Fort Myers

The 48th most congested city in the country is Fort Myers. According to preliminary data, there were 131 fatal car accidents in Lee County, where Fort Myers is situated, in 2022, which is more than the preceding four years.

Given that Florida is one of the states with the highest population growth in the US and is a well-liked vacation destination, the rise in motor vehicle traffic may raise the danger of traffic accidents.

Statistics on auto theft in Fort Myers

The FBI’s most recent Uniform Crime Reporting Programme shows that 154 instances of vehicle theft were recorded in Fort Myers in 2019. There were 257 recorded cases in 2018 and 226 instances in 2017, respectively.

Despite the fact that this data indicates a decline in motor vehicle theft, it’s crucial to keep in mind that the UCR only reveals data from reported occurrences. Thefts of unreported vehicles are excluded. It is also challenging to identify whether this trend is rising or dropping due to the lack of provided data from 2020 to 2022.

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