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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. Filter car insurance companies by roadside assistance, discounts and more to get a quote.
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.
Car insurance rates in the South tend to be lower. So why is Fort Myers just above the national average? Several factors lie 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.
If you drive less than 15,000 miles per year, you could qualify for a pay-as-you-go or low-mileage discount 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 |
How we got these rates
We compared data from more than 12,200 sample drivers who live in 12 ZIP codes in Fort Myers. These sample drivers ranged in age from younger than 18 to older than 56 and included men and women as well as married couples and single drivers. Our sample policies also ranged in coverage type, falling into one of four categories:
Four sample vehicles were used in this sample survey:
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, you could end up being stuck with steep out-of-pocket expenses if you’re in an accident and need to file an insurance claim.
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 |
|
| 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 there 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, 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.
What does it mean that Florida is a no-fault state?
When it comes to car insurance, Florida is a no-fault state, meaning that your insurance company steps in to pay for damages, no matter who’s at fault in an accident.
How do I register a vehicle in Florida?
Go to your local DMV office and bring your ID, vehicle title and proof of insurance. Initial vehicle registration costs $225 in Florida, plus taxes and plate and title fees.
I just moved to Florida. What do I need to do to register my vehicle?
New residents have 30 days to register and title their vehicle in Florida. Bring your ID, car title and proof of Florida insurance to your local DMV office.
Gabrielle Pastorek is the shopping and travel publisher at Finder, helping readers to round up the best deals, coupons, retailers, products and services to make sound financial decisions. She's contributed more than 800 articles to the site and is a quoted expert in Best Company and DealNews. She earned an MFA from the University of Pittsburgh, with essays and short stories published in The Collagist, Blue Monday Review, Blotterature and others. When she’s not writing, Gabrielle can be found out in the barn with her horse, Lucy.
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