North Fort Myers, FL Car Insurance

How do rates in North Fort Myers measure up compared to neighboring areas, including Florida as a whole? What can North Fort Myers residents expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in North Fort Myers?

Based on the above chart, auto insurance policies in North Fort Myers are about $25 a month cheaper than in the rest of Florida.

That being said North Fort Myers residents should prepare to pay higher rates for coverage than the rest of the country. It's about $18 more for coverage in North Fort Myers than in the rest of the U.S.

While these are the average costs to insure your vehicle in North Fort Myers, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down the average rate for North Fort Myers residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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North Fort Myers Car Insurance Rates by Age

It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay $82 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in North Fort Myers.

North Fort Myers Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. In North Fort Myers, this difference shakes out to about $9 per month. As illustrated in the table above, female drivers in the area pay about $94 on average, while male drivers pay around $103 each month.

North Fort Myers Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in North Fort Myers with one accident will pay around $130 a month. Likewise, drivers with one ticket will be looking at a rate of around $88 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

North Fort Myers Insurance Rates by Vehicle

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in North Fort Myers, with drivers paying around $77 per month to insure their vehicle.

Car owners will see a monthly premium of about $106, while SUV owners usually pay around $93 a month.

Your vehicle's age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In North Fort Myers, the most expensive vehicles to insure are vehicles two-to -three years old.

North Fort Myers Car Insurance Rates by Relationship Status

Generally speaking, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. North Fort Myers is no exception, with the difference totaling to around $10 a month.

North Fort Myers Car Insurance Rates by Housing Situation

Another factor that comes into play is your living accommodations. If you rent your home or apartment in North Fort Myers, expect to pay around $6 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in North Fort Myers, FL

Recent trends in car insurance for North Fort Myers drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In North Fort Myers, auto insurance rates increased from 2017-2018, before steadying out in 2019. Rates finished up in 2022, at $90 per month

How does North Fort Myers compare to neighboring areas?

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

There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

• Frequency of car accidents
• Crime
• Area laws
• Access to off-street parking
• Amount of drivers in the region

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. Knowing 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 particular neighborhood.

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

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering plans in North Fort Myers.

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North Fort Myers Auto Insurance FAQs

What factors affect car insurance quotes in North Fort Myers?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in North 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 parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

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

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 North 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.