Fort Myers, FL Car Insurance

The average monthly cost for car insurance in Fort Myers is about $115. Learn more in our handy guide below.
What rates can residents of Fort Myers expect to pay for their car insurance? How do rates in Fort Myers measure up compared to neighboring areas, including Florida as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Fort Myers?

Area Average Monthly Car Insurance Premium
Fort Myers$115
FL$122
United States$80

Auto insurance coverage in Fort Myers is about $7 cheaper than it is in the rest of Florida.

On the flip side, Fort Myers residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of auto coverage in Fort Myers is about $35 more expensive than the national average.

Keep in mind that while these are the average car insurance rates for Fort Myers, it isn't guaranteed that it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rates for Fort Myers residents based on several different factors so that you can get a more accurate idea of what you might pay. 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$165
25-34$104
35-44$103
45-54$105
55-64$109
65+$83

Generally speaking, the older you are, the more experience you have driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

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 begin to increase again in Fort Myers.

Average Car Insurance Rates by Gender

Gender Average
Male$122
Female$108

In general, female drivers pay less for car insurance than their male counterparts. This rings true in Fort Myers, where women pay around $14 less per month than men. Based on the chart above, you can see that male drivers pay $122 on average, while female drivers typically pay $108 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$146
Multiple Accidents$266
1 Ticket$146
Multiple Tickets$424

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Fort Myers with a single accident on their record will usually see rates around $146 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $146.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$101
2-3 Years$133
4-5 Years$82
6-7 Years$104
8-10 Years$124
11-14 Years$116
15 Years or Older$112

As you can see in the first table above, the cheapest vehicles to insure in Fort Myers are typically SUVs, which run about $97 per month.

Car owners, on the other hand, by and large pay around $123 a month, while truck and van drivers can expect to pay about $105 per month to insure their car.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. 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)$122
Married$105
Divorced$98
Widowed$82

More often than not, married policyholders will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

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 $17 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$96
Rent$119
Live with parents$172

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $23 a month more than if you own your own home in Fort Myers. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Fort Myers, FL

Recent trends in car insurance for Fort Myers drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

The cost of car insurance coverage in Fort Myers increased from 2016-2017, before leveling out in 2018. Policy premiums finished down in 2021, at $111 a month

How does Fort Myers compare to neighboring areas?

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

Car insurance companies look at many factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Area crime rates
  • Community laws
  • Total number of drivers in the area
  • Road safety
  • Amount of off-street parking

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Each area will have different rates. Guides like these are a wonderful place to get started.

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 to request a quote from a car insurance company.

But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Fort Myers.

Compare the cheapest quotes from dozens of insurance companies

Fort Myers Insurance FAQs

What factors affect car insurance quotes in Fort Myers?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, 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?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Fort Myers or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes