Fort Myers, FL Car Insurance

On average, Fort Myers drivers pay around $113 a month for their car insurance. Check out our guide below to find out how much you'll pay.
What can Fort Myers residents expect to pay for their car insurance? Compared to their surrounding area, how do rates in Fort Myers stack up? What about against the rest of Florida? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Fort Myers?

Area Average Monthly Car Insurance Premium
Fort Myers$113
FL$123
United States$81

As you can see in the chart above, it is around $10 a month cheaper to insure your vehicle in Fort Myers than it is in the rest of Florida.

The average cost of insuring your vehicle in Fort Myers is above the national rate. It's about $32 more expensive for coverage in Fort Myers than the average rates for the U.S. as a whole.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Fort Myers residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$162
25-34$107
35-44$107
45-54$96
55-64$101
65+$80

It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement, however, you may see your rates start to rise again in Fort Myers.

Average Car Insurance Rates by Gender

Gender Average
Male$117
Female$109

In general, women pay slightly less for car insurance than men. In Fort Myers, the difference is around $8 a month. As illustrated in the table above, male drivers in the area pay about $117 on average, while female drivers pay around $109 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$142
Multiple Accidents$225
1 Ticket$121
Multiple Tickets$189

Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Fort Myers, having a single accident on your record will usually get you rates around $142 a month. In addition, drivers with one ticket can expect to pay around $121 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$94
2-3 Years$128
4-5 Years$98
6-7 Years$105
8-10 Years$114
11-14 Years$113
15 Years or Older$114

In Fort Myers, the cheapest vehicles to insure are typically SUVs, with drivers paying around $94 per month for insurance coverage.

Car owners will see rates of about $122, while truck and van owners usually pay around $106 per month.

Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Fort Myers, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$117
Married$104
Divorced$98
Widowed$83

Generally, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Fort Myers reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$99
Rent$116
Live with parents$172

Another factor taken into consideration is your living accommodations. In Fort Myers, homeowners can expect to pay around $17 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Fort Myers, FL

Recent trends in car insurance for Fort Myers drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.

In Fort Myers, the rates for car insurance declined from 2017-2018, before leveling out in 2019. Insurance rates began decreasing again in 2021, and finished down in 2022, at $82.

How does Fort Myers compare to neighboring areas?

Why are car insurance rates in Fort Myers different from other areas?

There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • Regional crime rates
  • Frequency of car accidents
  • Amount of off-street parking
  • Amount of drivers in the region
  • Regional regulations

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Fort Myers?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing plans in Fort Myers.

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Fort Myers Insurance FAQs

What factors affect car insurance quotes in Fort Myers?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Fort Myers different from other neighboring cities?

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Fort Myers?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Fort Myers?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Fort Myers or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes