Cheapest Car Insurance Quotes in Fort Myers

Finding the cheapest car insurance quotes in Fort Myers shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Fort Myers Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Fort Myers

The car insurance rate in Fort Myers is $1473 for a six-month policy, which is $128 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $940, making it a popular choice for budget-conscious drivers. Rates in Fort Myers can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Fort Myers

$1473

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Fort Myers

1st place: Travelers

At $940 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1000 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1164 for six months, making it the third cheapest auto insurance company in Fort Myers.

Fort Myers Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Myers, FL is Travelers, offering policies at just $940 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1000.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $880 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Myers drivers find the best deals.

Cheap Car Insurance Companies in Fort Myers, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$940	$158
State Farm	$1000	$168
Nationwide	$1164	$196
United Automobile Ins Group	$1257	$210
Progressive	$1312	$221
UAIC	$1312	$219
MetLife	$1383	$236
Farmers	$2197	$366
Mercury	$2372	$403
Allstate	$2388	$402
Metropolitan Group	$880	$146

Key Takeaways

Way's key takeaways about car insurance in Fort Myers

The auto insurance costs in Fort Myers fall around $940 for six months.
The cheapest auto insurance company in Fort Myers is Patrons Insurance.
Teen drivers pay the highest rate in Fort Myers at $1271 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Fort Myers

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Fort Myers are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Fort Myers. Their Average 6 Month Premium is $115. Metropolitan Group is the most expensive at $350 for the same period.

Cheapest Liability Coverage in Fort Myers, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$115	$19
Travelers	$350	$59
State Farm	$372	$63
Mercury	$394	$66
Nationwide	$437	$75
Farmers	$606	$101
AIG	$617	$105
Progressive	$645	$109
United Automobile Ins Group	$661	$112
UAIC	$716	$120
Allstate	$825	$139
Metropolitan Group	$350	$58

Cheapest Full Coverage Car Insurance in Fort Myers

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Fort Myers is Travelers at $158 per month and $940 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Myers, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$940	$158
State Farm	$1000	$168
Nationwide	$1164	$196
United Automobile Ins Group	$1257	$210
Progressive	$1312	$221
UAIC	$1312	$219
MetLife	$1383	$236
Farmers	$2197	$366
Mercury	$2372	$403
Allstate	$2388	$402
Metropolitan Group	$880	$146

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Average Car Insurance in Fort Myers by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Fort Myers, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Fort Myers, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Fort Myers's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Fort Myers

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1193
40s	Travelers	$901
50s	Travelers	$840
60s	Travelers	$828

Cheapest Car Insurance Rates for Teen Drivers in Fort Myers,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Fort Myers at $83 per month. At $7470 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$498	$83
AIG	$673	$114
Travelers	$1524	$257
State Farm	$2006	$338
UAIC	$2984	$498
United Automobile Ins Group	$3099	$527
Allstate	$4699	$791
Mercury	$5825	$981
Progressive	$6225	$1048
Farmers	$7470	$1271

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Fort Myers.

As young drivers face the highest rates in Fort Myers, Travelers offers the cheapest auto insurance rates at $1193 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Fort Myers, Nationwide is the cheapest car insurance provider. At $595 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Fort Myers is Allstate, offering rates of around $4777 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$595	$101
Mercury	$650	$109
Direct General Insurance	$678	$115
Travelers	$1290	$217
UAIC	$1312	$223
Progressive	$2536	$422
Farmers	$3039	$517
State Farm	$4552	$759
Allstate	$4777	$812

Escape the Trap of Rising Insurance Costs.

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Car Insurance Rates with An Accident in Fort Myers

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Fort Myers, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Myers

The cheapest car insurance companies after an at-fault accident in Fort Myers include Nationwide and AIG, offering $628 and $803, respectively. National General is an expensive provider with an average six-month premium of $972.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$628	$105
AIG	$803	$136
Travelers	$907	$153
State Farm	$935	$157
United Automobile Ins Group	$1634	$272
Mercury	$1688	$284
UAIC	$1710	$285
Progressive	$2240	$377
Farmers	$3065	$511
Allstate	$4147	$698
National General	$972	$166

Fort Myers Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Myers FL. For example, the car insurance in Fort Myers after a DUI increases to $863 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Fort Myers auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1678	$280
One Med/PIP claim	$1678	$285
Not-at-fault accident	$1814	$303
Two Med/PIP claims	$1864	$316
One comp claim	$1891	$316
Child safety restraint	$1896	$322
Failure to wear a seat belt	$1896	$316
Driving without lights	$1902	$323
Failure to show documents	$1902	$317
Speeding 6 - 10 MPH over limit	$1940	$330
Improper passing	$1946	$324
Passing school bus	$1946	$331
Wrong way/wrong lane	$1946	$324
Failure to stop at a red light	$1951	$332
Failure to yield	$1951	$325
Illegal turn	$1951	$332
Cell phone violation	$1957	$326
Driving with expired registration	$1957	$333
Following too closely	$1957	$326
Texting while driving	$1961	$334
Two comp claims	$2006	$334
Driving too slowly	$2017	$343
Speeding in school zone	$2017	$336
Speeding 11 - 15 MPH over limit	$2022	$344
In 65 MPH zone	$2093	$349
Speeding 16 - 20 MPH over limit	$2093	$356
Speeding 21 - 25 MPH over limit	$2104	$351
Open container	$2126	$362
Operating a vehicle without permission	$2126	$354
At-fault accident - less than $1000	$2306	$392
At-fault accident - $1000-$2000	$2344	$391
At-fault accident - greater than $2000	$2344	$398
Racing	$2536	$422
DUI	$2541	$432
Refusal to submit to a chemical test	$2541	$423
Driving with a suspended license	$2585	$440
Reckless driving	$2639	$440
Leaving scene of an accident/hit and run	$2667	$454

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Fort Myers after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Fort Myers.

The cheapest car insurance premiums in Fort Myers are offered by AIG at $591 for a six-month policy. However, it can be as expensive as $732 with companies like National General.

Fort Myers car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$591	$98
Travelers	$940	$158
State Farm	$1142	$192
Progressive	$1153	$194
Allstate	$2099	$353
UAIC	$2312	$393
Farmers	$2498	$416
National General	$732	$122

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Fort Myers are offered by Nationwide at $513. However, it can be as expensive as $2667 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fort Myers after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$513	$87
State Farm	$661	$111
Travelers	$792	$133
UAIC	$1312	$219
Allstate	$1503	$253
Progressive	$2169	$362
Farmers	$2667	$454

Car Insurance Price Trends in Fort Myers, Florida

Car insurance rates in Fort Myers have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Fort Myers remained steady at $254 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Fort Myers remained steady at $77 in both December and November, indicating no change over the two month period.

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Average Car Insurance Cost in Fort Myers by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Fort Myers. At $1605 for a six-month policy, insuring your car at 33907 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
33907	$1605	$269
33908	$1679	$282
33919	$1634	$274
33916	$1605	$269
33905	$1679	$282
33901	$1590	$267
33967	$1605	$269
33912	$1576	$264
33913	$1605	$269
33965	$1472	$247
33966	$1517	$254

Frequently Asked Questions

How much is car insurance in Fort Myers?

The car insurance in Fort Myers is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Myers?

The cheapest car insurance in Fort Myers is $158 per month for full coverage.

How much is car insurance in Fort Myers for teenagers?

Car insurance for teenagers costs $498 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Fort Myers?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $247 per month to insure your car in Fort Myers.

Is car insurance expensive in Fort Myers?

Car insurance can be expensive in Fort Myers if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Fort Myers can be affordable.

Cheapest Car Insurance Quotes in Fort Myers

Why you can trust Way?

How Much Is Car Insurance in Fort Myers

Avg. Car Insurance in Fort Myers

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Fort Myers

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Fort Myers Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Myers, FL

Way's key takeaways about car insurance in Fort Myers

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Myers

Cheapest Liability Coverage in Fort Myers, FL

Cheapest Full Coverage Car Insurance in Fort Myers

Cheapest Full Coverage Car Insurance Quotes in Fort Myers, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Myers by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Fort Myers, FL increasing?

Car Insurance Premiums by Age in Fort Myers

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Myers,FL

If you are in your twenties Travelers is the best choice for car insurance in Fort Myers.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Fort Myers

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Myers

Fort Myers Car Insurance Rates by Violation

Fort Myers auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Myers after a DUI

Fort Myers car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Myers after Speeding ticket

Car Insurance Price Trends in Fort Myers, Florida

Average Car Insurance Cost in Fort Myers by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Myers, FL

Car Insurance Rates by State in the USA (2025 Update)

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