Table of contents
How much is car insurance in North Fort Myers?
|Area||Average Monthly Car Insurance Premium|
|North Fort Myers||$99|
As you can see in the chart above, it is around $23 a month cheaper to insure your vehicle in North Fort Myers than it is in the rest of Florida.
Compared to the national average cost of auto coverage, North Fort Myers has higher rates. It's around $19 more expensive for coverage in North Fort Myers than the average rates seen in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for North Fort Myers residents, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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.
We've broken down the average rates for North Fort Myers to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. North Fort Myers drivers may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In North Fort Myers, the difference is around $14 per month. As illustrated in the table above, male drivers in the area pay about $105 on average, while female drivers pay around $91 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In North Fort Myers, drivers with one accident on their record will experience rates around $106 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $128 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$113|
|15 Years or Older||$98|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in North Fort Myers, with drivers paying around $76 per month for insurance.
Car owners can expect to pay an average of around $107 a month for their policy, while SUVs usually cost around $86 a month to insure.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in North Fort Myers are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$104|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. North Fort Myers follows that pattern, with the difference totaling to around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$122|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $1 less than those who own their own home in North Fort Myers. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
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, car insurance rates declined from 2016-2017, before steadying out in 2018. Rates finished down in 2021, at $73 a 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 a number of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Off-street parking accessibility
- Prevalence of crime
- Total amount of drivers in the community
- Regional laws
- Road Safety (frequency of car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in North 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 does all of that work for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in North Fort Myers.
North Fort Myers Insurance FAQs
What factors affect car insurance quotes in North Fort Myers?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
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 local laws, crime rates, 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 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to North Fort Myers or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?