Cheapest Auto Insurance in Fort Myers, Florida (2025)

Fort Myers, with plenty of waterfront and beachside destinations, attracted 4.4 million tourists in 2022.1 But its location on Florida’s west coast also attracts severe weather, like Hurricane Ian in September 2022, which caused more than $112 billion in damages.2

Storm-related damages and steady waves of tourists can contribute to higher car insurance costs in Fort Myers, Florida. The average cost of auto insurance in the city is $149 per month for liability-only insurance and $206 per month for full coverage.

Despite these high costs, Fort Myers has lower average premiums than other major Florida cities, likely due to its comparatively fewer residents.3 Here’s what you need to know about getting the best prices for auto insurance coverage in Fort Myers.

3 of the cheapest car insurance companies in Fort Myers

While shopping for car insurance in Fort Myers, account for your unique requirements and situation. The best auto coverage depends on factors like your driving record, vehicle type, and coverage choices.

Here are the best car insurance companies that Insurify picked for Fort Myers drivers and what sets them apart from the competition.

Best insurer for full coverage: State Farm

Best insurer for mobile policy management: GEICO

Best insurer for drivers with clean records: Allstate

How to get the cheapest car insurance in Fort Myers

Getting cheap car insurance rates takes a little work on your part. These tips can help you while you shop around:

• Compare policies. Take the time to research different insurance companies and compare car insurance quotes from multiple insurers in Fort Myers. This is one of the best ways to find the most affordable rates tailored to your driving profile.

• Ask about discounts. It’s always a good idea to ask insurance agents about available discounts, such as those for good driving habits, safety features, or good grades, especially if there’s a teenage driver in your household.

• Bundle insurance policies. Another good question to ask an insurance agent is whether their insurance company offers a bundling discount. Consider bundling your car insurance with other policies, like renters insurance or homeowners insurance, to potentially benefit from multi-policy discounts.

• Drive responsibly. Prioritize safe driving practices to maintain a clean record. Comply with traffic laws, avoid accidents, and steer clear of violations to keep your premiums low.

Cheapest liability-only car insurance in Fort Myers: State Farm

Liability insurance pays for other people’s damages and injuries from an accident you cause, and Florida requires every driver to purchase property damage liability. Keep in mind that this insurance doesn’t cover your personal medical expenses or vehicle repairs, and Florida’s minimum insurance requirements are quite low compared to other states.

But if you want the cheapest auto policy possible while still driving legally, liability-only insurance is your best option.

The average rate for liability-only coverage in Fort Myers is $149 per month. The table below shows the auto insurance companies in Fort Myers with the lowest average quotes for liability-only insurance.

Cheapest full-coverage car insurance in Fort Myers: State Farm

For more protection on the road and in various situations, opt for full-coverage car insurance, which offers comprehensive and collision insurance. This auto policy type is a good idea for people who drive high-value vehicles, people in accident-prone or high-theft areas, or anyone who wants more coverage than what liability-only insurance offers.

The average rate for full coverage in Fort Myers is $206 per month.

Here are the cheapest full-coverage car insurance companies in Fort Myers, Florida.

Car insurance requirements in Florida

Florida’s car insurance requirements include personal injury protection (PIP) and property damage liability insurance. PIP insurance provides extensive coverage, taking care of 80% of your medical expenses for covered injuries, up to $10,000, regardless of fault. Additionally, property damage liability insurance handles the costs of property damage the policyholder causes in an accident.

Here are Florida’s minimum policy limits for PIP and property damage liability:5

Florida’s insurance requirements are limited compared to other state requirements. While most states mandate bodily injury liability to pay for other parties’ injuries, Florida excludes this requirement. If you want more protection from your auto insurance policy, consider enhancing it with these additional coverage options:

Cheapest car insurance for drivers with an incident

Drivers in Fort Myers with speeding tickets, driving under the influence (DUI) convictions, at-fault accidents, or other moving violations on their driving records often pay higher insurance premiums. Insurers consider your driving record when determining premiums, and a spotty history of tickets or accidents signals a higher risk, which leads to higher rates to offset that risk.

To help you in your search for affordable car insurance with a bad driving record, here are the cheapest companies in Fort Myers.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Receiving a speeding ticket can lead to significant changes in your car insurance rates. Insurance companies see it as an indication of risky driving practices, which increase the risk of future accidents and claims. As a result, your insurance premiums increase, even if you didn’t cause an accident.

Drivers in Fort Myers pay an average of $200 per month for liability coverage if they have a speeding ticket on their record. But it is possible to find more affordable coverage.

The table below shows the cheapest car insurance companies in Fort Myers for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Lee County reported more than 14,000 car accidents in 2021.6 Causing an accident can lead to a substantial increase in your car insurance rates because, like speeding tickets, it increases your risk of future claims. Avoiding accidents is crucial not only for your safety but also for maintaining affordable insurance premiums.

Fort Myers drivers with an accident on their record pay an average of $186 per month for liability coverage.

Here you can see the cheapest Fort Myers auto insurance companies for drivers with an at-fault accident on their driving records.

Cheapest car insurance for drivers with a DUI: State Farm

Lee County experienced a 32% increase in alcohol-related car crashes but a 25% decrease in drug-related car crashes between 2020 and 2021.6 A DUI conviction can have a profound effect on your car insurance rates. Fort Myers drivers with a DUI on their record pay a monthly average of $194 for liability coverage.

Insurers perceive DUIs as a substantial risk, indicating a higher probability of accidents and claims. Furthermore, Florida may require you to purchase and maintain FR-44 insurance coverage, which can increase your rates for three or more years.

Here are the cheapest auto insurers in Fort Myers for drivers with a DUI on their records.

Cheapest car insurance for seniors: State Farm

Your age significantly affects your car insurance rates. As you gain experience and reach your mid-30s, rates generally decrease. But around age 70, premiums may increase slightly due to factors like potential health concerns and higher accident risks.7 But senior drivers still often pay lower average rates compared to other driving age groups.

The average liability rate for seniors in Fort Myers is $132 per month.

Here you can see the cheapest companies in Fort Myers for senior drivers.

Cheapest car insurance for teens: State Farm

Finding affordable car insurance can be challenging for teenagers and young adults, who often pay significantly higher rates than older, more experienced drivers due to their limited driving history and higher risk profiles. In Fort Myers, for example, teens pay an average of $255 per month for liability coverage.

But teens and young drivers can find lower rates if they stay on a parents’ policy, take advantage of student-specific discounts, and drive inexpensive, safe vehicles.

Here are some of the cheapest car insurance companies for teens and young drivers in Fort Myers.

Fort Myers car insurance quotes by credit tier

Florida insurers can take your credit history into account when setting insurance rates, but they can’t only use your score to determine premiums.4 Insurance companies argue that your credit score indicates your risk of filing a claim. Fort Myers drivers with excellent or good credit scores pay lower premiums than drivers with poor credit scores.

Here are the average monthly quotes for car insurance in Fort Myers, based on credit tier.

Is car insurance more expensive in Fort Myers?

Compared to the national average, car insurance is more expensive in Fort Myers. The average cost of car insurance in the U.S. is $104 for liability-only coverage and $184 for full coverage. In Fort Myers, the costs are an average of $149 per month for liability only and $206 per month for full coverage.

But car insurance is generally more expensive in Florida, as the state frequently experiences severe weather events, like hurricanes and storms, which cause property damage.

Within Florida, Fort Myers is a relatively cheap city for car insurance. Where you live, down to your ZIP code, affects your rates, and insurers consider an area’s accident and theft rates, weather patterns, population, and more when determining premiums.

Compared to other cities, Fort Myers has lower average rates, likely because it has fewer residents. Fewer residents mean fewer drivers on the road.

More cities in Florida

Here’s how the average cost of car insurance in Fort Myers compares to other major Florida cities.