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A.M. Steinbach is a Brooklyn-based writer, editor, and content marketing strategist who has been writing for Compare.com since 2023. He's an expert in breaking down a diverse range of insurance topics into crisp, readable content.
A.M. has worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches more than 250,000 daily readers, and other notable publications.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Drivers in Fort Myers pay an average of $232 per month for car insurance, according to Compare.com data. Fortunately, Fort Myers drivers have a few affordable car insurance companies to choose from, including State Farm.
In this guide, we’ll explore the cheapest car insurance options in Fort Myers, the best insurers for different driver demographics, and share money-saving strategies.
Fort Myers drivers pay an average of $199 per month for liability-only insurance and $266 per month for full coverage.
State Farm offers the cheapest overall premiums, with an average rate of $67 per month.
Florida requires drivers to have personal injury protection (PIP) and property damage liability (PDL) insurance.
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Location ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Fort Myers | $199 | $266 | $232 |
| Florida | $216 | $300 | $258 |
| National average | $106 | $210 | $158 |
Fort Myers drivers pay an average of $232 per month for car insurance, according to Compare.com data. The average driver spends $199 per month for liability-only coverage and $266 per month for full coverage.
Keep in mind these are just surface-level averages — your rates will vary based on several factors, including your age, gender, and driving history.
Now let’s take a look at some of the cheapest car insurance companies in Fort Myers.
Compare personalized quotes from the area’s top insurers.
While Fort Myers has relatively high average auto insurance premiums, several local insurers offer rates that are well below the citywide average. The table below highlights the five cheapest car insurance companies in Fort Myers, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $67 |
| GEICO | $69 |
| Allstate | $117 |
| Travelers | $140 |
| Safeco | $145 |
State Farm is the cheapest auto insurer in Fort Myers, with an average rate of just $67 per month.
Let’s dive a bit deeper into these coverage options and look at the best car insurers for different types of drivers in Fort Myers.
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Car insurance rates vary by person and the company you choose. That’s why there’s no single best auto insurance company for all drivers. But shopping around and comparing rates can help you find the best option for your specific needs.
To get you started, we researched dozens of companies to find the best insurers for specific driver demographics in Fort Myers. We picked the following three companies based on a combination of average rates, available discounts, customer reviews, and selection of coverages.
Average premium: $67 per month
Compare.com Rating: 4.90 out of 5
Among the cheapest rates in Fort Myers
High J.D. Power customer satisfaction
Gap insurance not available
AM Best financial strength recently downgraded
State Farm offers an average rate of $67 per month for car insurance, which is the lowest in Fort Myers. The insurance giant also offers some of the cheapest rates in Fort Myers to teens, seniors, and drivers with spotty driving records. Affordable prices combined with high marks for customer service make State Farm the best overall value in Fort Myers.
Average premium: $126 per month
Compare.com Rating: 4.65 out of 5
Relatively low rates for teens
Student-friendly discounts
Gap insurance not available
Limited insurance agents in Fort Myers
While teens often pay higher car insurance rates than any other age group, GEICO offers some of the cheapest average rates for teen drivers in Fort Myers. Teens can save even more when they take advantage of GEICO’s good student discount, which rewards teens who maintain a “B” average or better. Select colleges also offer alumni discounts through GEICO.
Average premium: $117 per month
Compare.com Rating: 4.93 out of 5
Some of the lowest rates in Fort Myers
Popular telematics program
Mixed reviews for mobile app
Low ratings on Better Business Bureau
Drivewise from Allstate is a popular choice for safe drivers looking to save on their car insurance. You can receive a 10% discount just for signing up, then save another 6% when you remain active in the program. Drivewise also offers personalized insights into your driving behavior, as well as trip summaries and crash detection technology.
Comparing personalized quotes to find the right fit.
Your coverage level has a huge effect on your rates. More robust coverage comes with higher rates, but if you’re looking for a lower rate, liability insurance at the state-minimum limits is the cheapest policy available. Liability-only insurance covers the other driver’s repairs and medical bills after an accident — but it doesn’t cover yours.
The following five companies offer the cheapest liability-only policies in Fort Myers, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $63 |
| GEICO | $65 |
| Hugo | $70 |
| Allstate | $110 |
| Safeco | $123 |
State Farm offers the lowest rate on liability-only insurance in Fort Myers, with an average premium of $63 per month, according to our research.
In the next section, we’ll look at the cheapest full-coverage insurance options in Fort Myers.
Full-coverage car insurance is a more robust option for drivers because it includes liability insurance, as well as collision coverage and comprehensive coverage. If you get in an accident, collision coverage kicks in to cover your vehicle repairs. If a non-collision event damages your car (e.g. severe weather, fire, theft, or vandalism), comprehensive insurance covers your repairs.
Full-coverage policies tend to be more expensive, but the table below highlights a few Fort Myers insurers offering lower rates on full coverage.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $72 |
| GEICO | $74 |
| Allstate | $125 |
| Travelers | $150 |
| Mercury | $157 |
State Farm is the cheapest auto insurance company in Fort Myers for full coverage, with an average rate of $72 per month, according to our data.
Age is one of the most important car insurance rating factors. Teens pay the highest rates of any age group, given their higher incidence of car accidents, but rates tend to go down as you age.
The table below shows how auto insurance rates in Fort Myers vary by age. It also includes the cheapest insurer for each age group, along with the insurer’s average monthly premium, according to Compare.com data.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $306 | GEICO | $126 |
| 20s | $227 | GEICO | $98 |
| 30s | $197 | State Farm | $82 |
| 40s | $190 | State Farm | $78 |
| 50s | $178 | State Farm | $72 |
| 60s | $165 | State Farm | $65 |
| 70s | $172 | State Farm | $64 |
Now, let’s take a closer look at the cheapest car insurance in Fort Myers for teens and seniors.
Teens are the most expensive age group to insure because they’re more likely to get in a serious crash, according to the Centers for Disease Control and Prevention (CDC). Car insurance companies offset the risks of insuring a teen by offering higher rates.
Fort Myers teens pay an average of $306 per month for car insurance, according to Compare.com data. Young drivers looking to save may want to consider GEICO, which offers the cheapest car insurance rates for teens in Fort Myers, at $126 per month.
As you approach retirement age, you likely also spend less time on the road. That’s why seniors pay some of the cheapest rates. Fort Myers is no different, with drivers in their 60s paying an average of $165 per month according to Compare.com data.
State Farm is the cheapest insurer for this age group, with average rates of $65 per month.
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Your driving record also has a significant effect on your car insurance rates. Drivers with clean records typically get the best rates, but if you have a history of speeding tickets and at-fault accidents, insurers view you as more likely to file claims in the future. Companies then charge higher premiums to account for the increased risk of insuring you.
Luckily, Fort Myers residents with spotty records can still find cheap car insurance. The table below shows the average cost of car insurance based on driving record, as well as the cheapest insurer for drivers with different traffic violations.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $199 | State Farm | $84 |
| Speeding ticket | $235 | State Farm | $96 |
| At-fault accident | $253 | State Farm | $104 |
| DUI | $293 | State Farm | $127 |
Now let’s get more specific and discuss the cheapest insurer after a speeding ticket, an at-fault accident, or driving under the influence (DUI).
If you get a speeding ticket, you can expect your car insurance rates to increase. In fact, rates tend to increase by an average of 27% after one ticket, according to Compare.com data.
Drivers in Fort Myers pay $235 per month on average after one speeding ticket. But State Farm is the cheapest insurer for these drivers, with an average rate of $96 per month.
Drivers with an at-fault accident will also see their rates go up. Car insurance rates increase by an average of 34% nationwide, according to Compare.com data.
The average Fort Myers driver with a ticket pays $253 per month, on average. That said, State Farm is the cheapest insurer for these drivers, with an average monthly rate of $104.
If the authorities catch you DUI you’ll see your rates go up by an average of 50%, according to Compare.com data.
In Fort Myers, you can expect to pay around $293 per month after getting a DUI — but you can still find ways to save if you know where to look. State Farm is the cheapest insurer for Fort Myers drivers with DUIs, offering an average rate of $127 per month.
You can find affordable rates even if your driving record isn’t perfect.
Florida law requires drivers to purchase car insurance at the following minimum limits:
$10,000 in personal injury protection (PIP)
$10,000 in property damage liability (PDL) insurance
Unlike many states, Florida doesn’t require bodily injury liability insurance. Instead, PIP covers 80% of your medical expenses up to $10,000, regardless of who caused the crash.
Failing to have these coverages throughout your registration period can lead to a three-year suspension of your driving privileges and license plate. Reinstating these privileges will come with a $500 fee.
To learn more about Florida’s car insurance requirements, visit the Florida Highway Safety and Motor Vehicles site.
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Rates might be higher than average in Fort Myers, but it’s still possible to lower your rates. Here are a few simple strategies for saving money on car insurance in Fort Myers:
Look into discounts: Most car insurance companies offer discounts if you do things like practice safe driving or bundle auto insurance with homeowners insurance.
Raise your deductible: Choosing a higher deductible can lead to lower monthly rates. This might be worth considering if you can afford the larger out-of-pocket cost if you get into an accident.
Choose the right vehicle: The type of car you choose can affect your rates. Buying a car with advanced safety features and a strong safety record might earn you a lower rate with your insurer.
Buy less coverage: Purchasing less coverage typically comes with the lowest rates. Though this may be enough for certain people, experts recommend purchasing more than the minimum to ensure adequate protection.
Drive safe: Many car insurance companies will reward you with a discount if you maintain a clean driving record.
Compare quotes: Receiving quotes from multiple car insurance companies and comparing them side by side is the best way to find a policy that fits your budget.
Get personalized rates from Fort Myers’ top insurers.
Here are some answers to common questions about auto insurance in Fort Myers to help you get the best coverage and rates.
State Farm offers the cheapest car insurance in Fort Myers, with an average rate of $67 per month, according to Compare.com data. But your rate could be higher or lower depending on your unique driver profile.
Drivers in Fort Myers pay an average car insurance rate of $232 per month, according to Compare.com data. That breaks down to $199 per month for liability insurance and $266 per month for full coverage.
Florida requires drivers to purchase $10,000 in personal injury protection and $10,000 in property damage liability insurance to drive in the state.
Driving without auto insurance coverage in Fort Myers can lead to the suspension of your driving privileges and license plates for three years. Reinstating these privileges will cost $500.
On average, Floridians pay $258 per month for car insurance, according to Compare.com data. That breaks down to $300 per month for full coverage and $216 per month for minimum coverage.
Data Methodology:
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers' vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Sources:
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed September 26, 2024.
Centers for Disease Control and Prevention, “Teen Drivers,” accessed September 26, 2024.
Insurance Information Institute, “What determines the price of an auto insurance policy?,” accessed September 25, 2024.
Florida Highway Safety and Motor Vehicles, “Florida Insurance Requirements,” accessed September 26, 2024.
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A.M. Steinbach is a Brooklyn-based writer, editor, and content marketing strategist who has been writing for Compare.com since 2023. He's an expert in breaking down a diverse range of insurance topics into crisp, readable content.
A.M. has worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches more than 250,000 daily readers, and other notable publications.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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