North Fort Myers, FL Car Insurance

The average monthly cost for car insurance in North Fort Myers is about $99. To find out more check out our guide below.
Are rates in North Fort Myers higher or lower than those in neighboring areas? How do they compare to the rest of Florida? What rates should residents of North Fort Myers expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in North Fort Myers?

Area Average Monthly Car Insurance Premium
North Fort Myers$99
FL$123
United States$81

Car insurance coverage in North Fort Myers is about $24 cheaper than it is in the rest of Florida.

Compared to the national average cost of auto coverage, North Fort Myers has higher rates. The cost of insuring a vehicle in North Fort Myers is about $18 more expensive than the average rate for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't worry, we've done the work for you and broken down the average rates for North Fort Myers to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$170
25-34$118
35-44$88
45-54Not Enough Data
55-64$69
65+$87

The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may start to rise again in North Fort Myers.

Average Car Insurance Rates by Gender

Gender Average
Male$103
Female$94

On average, female drivers pay slightly less than male drivers for car insurance. In North Fort Myers, this difference shakes out to about $9 per month. Based on the chart above, you can see that male drivers pay $103 on average, while female drivers typically pay $94 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$133
Multiple Accidents$103
1 Ticket$88
Multiple Tickets$287

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in North Fort Myers with one accident will pay around $133 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $88.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$113
2-3 Years$119
4-5 Years$71
6-7 Years$78
8-10 Years$99
11-14 Years$101
15 Years or Older$97

The cheapest vehicles to insure in North Fort Myers are usually trucks and vans, with each type typically costing about $78 per month.

Car owners will see a monthly bill of about $105, while SUV owners typically pay around $95 a month.

You can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In North 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)$104
Married$94
Divorced$78
Widowed$91

Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in North Fort Myers is about $10 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$90
Rent$95
Live with parents$114

One other element taken into consideration is your housing situation. Those who own their own home in North Fort Myers can expect to pay around $5 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

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 picking an insurance policy.

The rates for car insurance in North Fort Myers increased from 2017-2018, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $81.

How does North Fort Myers compare to neighboring areas?

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

Car insurance companies look at a number of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:

  • Availability of off-street parking
  • Total number of drivers in the region
  • Regional crime rates
  • Area laws
  • Road safety

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge 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 wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in North Fort Myers.

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North Fort Myers 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 like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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

Local laws, parking situations, and crime rates -- 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 North 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 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.

Find your best rate in just a few minutes