Fort Myers, FL Car Insurance

What can Fort Myers residents expect to pay for their car insurance? How does Fort Myers stack up to the rest of the area, or even Florida as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Fort Myers?

Compared to the rest of the Florida, coverage in Fort Myers is about $10 a month cheaper.

If you're considering relocating to Fort Myers from out of state, you may want to budget a little extra for your insurance. The average monthly payment in Fort Myers is about $33 more expensive than the rate for the rest of the U.S.

These rates may be the average amount Fort Myers residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

But don't worry, we've broken down the average rates for Fort Myers residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Fort Myers Car Insurance Rates by Age

More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $81 more than drivers of retirement age.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may climb back up in Fort Myers.

Fort Myers Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. This rings true in Fort Myers, where women pay around $8 less per month than men. As you can see in the table above, female drivers in the area typically pay $109 on average, while female drivers typically pay $117 each month.

Fort Myers Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Fort Myers with a single accident will pay around $142 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $121.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Fort Myers Insurance Rates by Vehicle

According to the first table above, SUVs are typically the cheapest vehicles to insure in Fort Myers, with drivers paying around $94 per month for insurance coverage.

Car owners can expect to pay an average of around $122 a month for their policy, while truck and van drivers are usually around $105 to insure each month.

Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Fort Myers, the most expensive vehicles to insure are vehicles two-to -three years old.

Fort Myers Car Insurance Rates by Relationship Status

On average, people who are married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Fort Myers is no exception, with the difference totaling to around $15 a month.

Fort Myers Car Insurance Rates by Housing Situation

Another factor that comes into play is your housing situation. If you rent your home or apartment in Fort Myers, expect to pay around $17 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Fort Myers, FL

Recent trends in car insurance for Fort Myers drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Fort Myers, the rates for auto insurance declined from 2017-2018, before steadying out in 2019. Insurance rates fell again recently, hitting a low of $100 in 2022.

How does Fort Myers compare to neighboring areas?

Why are car insurance rates in Fort Myers different from other areas?

There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

• Laws
• Off-street parking availability
• General road safety (how many accidents each locality has)
• Rate of crime
• Number of drivers

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Fort Myers?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But hold on! Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from the many car insurance companies that offer policies in Fort Myers.

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Fort Myers Auto Insurance FAQs

What factors affect car insurance quotes in Fort Myers?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, address, credit score, and marital status.

Why is the cost of car insurance in Fort Myers different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Fort Myers?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Fort Myers?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Fort Myers or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.