Cheapest Car Insurance Quotes in Fort Myers Beach

Finding the cheapest car insurance quotes in Fort Myers Beach 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 Beach Car Insurance

^$ 18

/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 Beach

The car insurance rate in Fort Myers Beach is $1345 for a six-month policy, which is $256 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $858, making it a popular choice for budget-conscious drivers. Rates in Fort Myers Beach 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 Beach

$1345

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Fort Myers Beach

1st place: Travelers

At $858 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 $913 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1063 for six months, making it the third cheapest auto insurance company in Fort Myers Beach.

Fort Myers Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Myers Beach, FL is Travelers, offering policies at just $858 for a six-month term. This is followed by State Farm, which has an average six-month premium of $913.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $803 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Myers Beach drivers find the best deals.

Cheap Car Insurance Companies in Fort Myers Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$858	$144
State Farm	$913	$154
Nationwide	$1063	$179
United Automobile Ins Group	$1147	$192
Progressive	$1198	$202
UAIC	$1198	$200
MetLife	$1263	$215
Farmers	$2006	$334
Mercury	$2166	$368
Allstate	$2181	$367
Metropolitan Group	$803	$134

Key Takeaways

Way's key takeaways about car insurance in Fort Myers Beach

The auto insurance costs in Fort Myers Beach fall around $858 for six months.
The cheapest auto insurance company in Fort Myers Beach is Patrons Insurance.
Teen drivers pay the highest rate in Fort Myers Beach at $1160 per month.

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

Cheapest Minimum Liability Car Insurance in Fort Myers Beach

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 Beach are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Fort Myers Beach. Their Average 6 Month Premium is $105. Metropolitan Group is the most expensive at $319 for the same period.

Cheapest Liability Coverage in Fort Myers Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$105	$18
Travelers	$319	$54
State Farm	$339	$57
Mercury	$360	$60
Nationwide	$399	$68
Farmers	$554	$92
AIG	$564	$96
Progressive	$589	$99
United Automobile Ins Group	$604	$102
UAIC	$654	$109
Allstate	$753	$127
Metropolitan Group	$319	$53

Cheapest Full Coverage Car Insurance in Fort Myers Beach

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 Beach is Travelers at $144 per month and $858 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Myers Beach, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$858	$144
State Farm	$913	$154
Nationwide	$1063	$179
United Automobile Ins Group	$1147	$192
Progressive	$1198	$202
UAIC	$1198	$200
MetLife	$1263	$215
Farmers	$2006	$334
Mercury	$2166	$368
Allstate	$2181	$367
Metropolitan Group	$803	$134

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Average Car Insurance in Fort Myers Beach 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 Beach, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Fort Myers Beach, 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 Beach'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 Beach

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	$1089
40s	Travelers	$822
50s	Travelers	$767
60s	Travelers	$756

Cheapest Car Insurance Rates for Teen Drivers in Fort Myers Beach,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 Beach at $76 per month. At $6821 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$454	$76
AIG	$614	$104
Travelers	$1392	$234
State Farm	$1831	$308
UAIC	$2724	$454
United Automobile Ins Group	$2829	$481
Allstate	$4291	$722
Mercury	$5319	$895
Progressive	$5683	$957
Farmers	$6821	$1160

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 Beach.

As young drivers face the highest rates in Fort Myers Beach, Travelers offers the cheapest auto insurance rates at $1089 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 Beach, Nationwide is the cheapest car insurance provider. At $543 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 Beach is Allstate, offering rates of around $4361 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$543	$92
Mercury	$594	$99
Direct General Insurance	$619	$105
Travelers	$1178	$198
UAIC	$1198	$203
Progressive	$2315	$386
Farmers	$2775	$472
State Farm	$4156	$693
Allstate	$4361	$742

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Car Insurance Rates with An Accident in Fort Myers Beach

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 Beach, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Fort Myers Beach include Nationwide and AIG, offering $574 and $733, respectively. National General is an expensive provider with an average six-month premium of $888.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$574	$96
AIG	$733	$124
Travelers	$828	$139
State Farm	$853	$144
United Automobile Ins Group	$1492	$249
Mercury	$1541	$260
UAIC	$1562	$260
Progressive	$2045	$344
Farmers	$2799	$466
Allstate	$3787	$638
National General	$888	$151

Fort Myers Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Myers Beach FL. For example, the car insurance in Fort Myers Beach after a DUI increases to $788 for a six month policy. While the rate increases by $240 for a six-month policy in the case of a speeding ticket.

Fort Myers Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1532	$255
One Med/PIP claim	$1532	$260
Not-at-fault accident	$1656	$276
Two Med/PIP claims	$1702	$289
One comp claim	$1726	$288
Child safety restraint	$1731	$294
Failure to wear a seat belt	$1731	$289
Driving without lights	$1736	$295
Failure to show documents	$1736	$290
Speeding 6 - 10 MPH over limit	$1772	$302
Improper passing	$1777	$296
Passing school bus	$1777	$302
Wrong way/wrong lane	$1777	$296
Failure to stop at a red light	$1782	$303
Failure to yield	$1782	$297
Illegal turn	$1782	$303
Cell phone violation	$1787	$297
Driving with expired registration	$1787	$304
Following too closely	$1787	$297
Texting while driving	$1791	$305
Two comp claims	$1831	$305
Driving too slowly	$1841	$313
Speeding in school zone	$1841	$307
Speeding 11 - 15 MPH over limit	$1846	$314
In 65 MPH zone	$1911	$318
Speeding 16 - 20 MPH over limit	$1911	$325
Speeding 21 - 25 MPH over limit	$1921	$320
Open container	$1941	$330
Operating a vehicle without permission	$1941	$323
At-fault accident - less than $1000	$2106	$358
At-fault accident - $1000-$2000	$2140	$357
At-fault accident - greater than $2000	$2140	$364
Racing	$2315	$386
DUI	$2320	$395
Refusal to submit to a chemical test	$2320	$386
Driving with a suspended license	$2360	$402
Reckless driving	$2410	$402
Leaving scene of an accident/hit and run	$2435	$414

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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 Beach 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 Beach.

The cheapest car insurance premiums in Fort Myers Beach are offered by AIG at $539 for a six-month policy. However, it can be as expensive as $669 with companies like National General.

Fort Myers Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$539	$90
Travelers	$858	$144
State Farm	$1042	$176
Progressive	$1053	$177
Allstate	$1916	$323
UAIC	$2111	$359
Farmers	$2281	$380
National General	$669	$112

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 Beach are offered by Nationwide at $469. However, it can be as expensive as $2435 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fort Myers Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$469	$80
State Farm	$604	$102
Travelers	$723	$122
UAIC	$1198	$200
Allstate	$1373	$231
Progressive	$1981	$330
Farmers	$2435	$414

Car Insurance Price Trends in Fort Myers Beach, Florida

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

The average cost of full coverage in the Fort Myers Beach remained steady at $232 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Fort Myers Beach remained steady at $71 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Fort Myers Beach?

The car insurance in Fort Myers Beach is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Myers Beach?

The cheapest car insurance in Fort Myers Beach is $144 per month for full coverage.

How much is car insurance in Fort Myers Beach for teenagers?

Car insurance for teenagers costs $454 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 Beach?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $226 per month to insure your car in Fort Myers Beach.

Is car insurance expensive in Fort Myers Beach?

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

Cheapest Car Insurance Quotes in Fort Myers Beach

Why you can trust Way?

How Much Is Car Insurance in Fort Myers Beach

Avg. Car Insurance in Fort Myers Beach

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Fort Myers Beach

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Fort Myers Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Myers Beach, FL

Way's key takeaways about car insurance in Fort Myers Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Myers Beach

Cheapest Liability Coverage in Fort Myers Beach, FL

Cheapest Full Coverage Car Insurance in Fort Myers Beach

Cheapest Full Coverage Car Insurance Quotes in Fort Myers Beach, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Myers Beach by Rating Factor

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

Car Insurance Premiums by Age in Fort Myers Beach

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Beach

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

Fort Myers Beach Car Insurance Rates by Violation

Fort Myers Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Myers Beach after a DUI

Fort Myers Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Myers Beach after Speeding ticket

Car Insurance Price Trends in Fort Myers Beach, Florida

Average Car Insurance Cost in Fort Myers Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Myers Beach, FL

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

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