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As Florida cities like Fort Myers continue to grow, more drivers are hitting the road, which means more accidents. Because of the upsurge of car accidents in the state, insurance rates in Florida cities have skyrocketed in just a few short years, including Fort Myers.
The average annual cost of car insurance in Fort Myers is $1,390, which falls below the state average in Florida of $1,800. That’s just above the national average annual car insurance rate around $1,300, which means Fort Myers residents can expect to pay similar rates as drivers across the country.
Car insurance rates in the South tend to be lower, so why is Fort Myers just above the national average? There are a few reasons behind these slightly higher insurance rates.
There are ways you can substantially lower your car insurance rate. For starters, some insurance companies charge much more than others, so compare your current rates with these average yearly premiums to see if you could do better.
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
If you drive less than 15,000 miles per year, you could qualify for a pay-as-you-go or low-mileage discount on car insurance in Florida. This can be especially helpful for snowbirds who flock to sunny Florida for only the winter months.
Company | Average annual rate | Read review |
---|---|---|
USAA | $1,086 | Read review |
Geico | $1,431 | Read review |
Allstate | $1,766 | Read review |
State Farm | $1,793 | Read review |
Liberty Mutual | $2,250 | Read review |
Allied | $2,289 | Read review |
AIG | $2,373 | Read review |
Progressive | $3,419 | Read review |
Mercury | $3,656 | Read review |
Direct | $3,872 | Read review |
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Since car insurance is generally on the expensive side in Fort Myers, you might be tempted to only pay for the state minimum coverage required. If you’re looking for the absolute lowest rate, this is probably your best bet. However, if you’re in an accident and need to file an insurance claim, you could end up being stuck with steep out-of-pocket expenses.
Although you’ll pay extra for a low-coverage option, you’ll get the added protection of both uninsured and underinsured motorist bodily injury coverage, as well as collision and comprehensive coverage, which could come in handy with Florida’s high accident rates and stormy weather.
Coverage level | Average annual rate | Coverage details |
---|---|---|
State minimum coverage | $1,663 |
|
Low coverage | $1,698 |
|
Medium coverage | $1,758 |
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High coverage | $1,963 |
|
To legally drive in Florida, you’ll need auto insurance that includes at least:
When you’re shopping for a car insurance policy, you might see these requirements shortened to 10/10.
As is the case in most states, if you’re financing or leasing your vehicle, you may be required to also carry collision, which covers damages to your vehicle in the event of an accident. You might also need comprehensive coverage for storm, fire, theft or other non-accident-related damage.
Since car insurance rates in Fort Myers are lower compared to most other cities in Florida and many other locations across the country, adding extra coverage might make sense.
One of the factors that often plays a role in determining your car insurance premium is your gender. Gender-based pricing is legal in Florida. In many cases, women pay less for car insurance than men. While that trend holds up in Fort Myers on average, women won’t spend much less on car insurance than men.
Gender | Average annual rate |
---|---|
Women | $3,124 |
Men | $3,244 |
Driving in Fort Myers is similar to driving in other parts of the state, except for the fact that there’s going to be significantly more traffic here than in rural areas. When driving through Fort Myers, keep these tips in mind.
With its sunny weather and year-round vacation atmosphere, Fort Myers is home to its fair share of luxury cars like Mercedes-Benz, Ferraris and Aston Martins. But you’ll also see lots of more economical cars, including Hyundais, Mini Coopers and Toyotas. If you’re looking to save on car insurance, going the more modest route is your best bet.
Want local service from a nearby insurance agent? Find a local agent near you.
Whether you live in Fort Myers year round or it’s your home away from home in the winter months, you can expect to pay more for car insurance than drivers in many other parts of the country.
By comparing your current rates with other car insurance providers out there and practicing safe driving habits, you could find a more affordable rate.
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