Best Fort Myers, FL Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
The best Fort Myers, FL auto insurance comes from Geico, State Farm, and Progressive. Offering competitive rates starting at $70 per month, Geico is the top choice providing the best and affordable coverage. Compare multiple companies and shop for cheap auto insurance in Fort Myers, FL.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Nov 9, 2024
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Among the top three best providers, Geico, State Farm, and Progressive, Geico is the best Fort Myers, FL auto insurance company offering affordable rates for only $70 per month.
Some of the best Fort Myers, FL car insurance companies are The General, Allstate, and Farmers. But when you are looking for the best and cheap Fort Myers, Florida auto insurance, consider the top three picks, Geico, State Farm, and Progressive.
Our Top 10 Company Picks: Best Fort Myers, FL Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Affordable Rates Geico
#2 17% B Local Agents State Farm
#3 12% A+ Snapshot Program Progressive
#4 10% A+ Reliable Claims Allstate
#5 12% A Bundling Discounts Liberty Mutual
#6 13% A Member Benefits AAA
#7 10% A++ Competitive Rates Travelers
#8 20% A+ Safe Driving Nationwide
#9 10% A Comprehensive Policies Farmers
#10 10% A High-Risk Coverage The General
Read more to find the best and affordable auto insurance for your vehicle. Enter your ZIP code now.
- Insurance rates in Fort Myers are influenced by factors such as driving history
- Premiums in Fort Myers tend to be higher than the state average in Florida
- Geico provides the lowest rates, with budget-friendly options starting at $70/mo
#1 – Geico: Top Overall Pick
Pros
- Affordable Rates: Known for some of the lowest premiums among the Fort Myers, Florida auto insurance providers, making it a top choice for budget-conscious drivers.
- Digital Convenience: User-friendly mobile app with tools for managing policies and claims, enhancing ease of use among the best Fort Myers, FL auto insurance options.
- Military & Federal Discounts: Offers specific discounts for military federal employees, making it one of the best Florida auto insurance choices for government-affiliated customers.
Cons
- Limited Local Agent Access: Fewer physical locations and local agents compared to other best Florida auto insurance providers, which may impact personalized service.
- Fewer Specialty Coverages: Offers niche coverage options than other FL auto insurance companies, limiting flexibility. Find all the details in our Geico auto insurance review to get the facts.
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#2 – State Farm: Best for Local Agents
Pros
- Personalized Service: Strong local agent network provides in-person support, setting it apart as one of the top Florida insurance choices for personalized service.
- Extensive Coverage Options: Offers a wide range of customizable coverage options, which adds to its reputation as one of the best Fort Myers car insurance providers.
- Safe Driving Discounts: Rewards drivers with safe driving habits, reinforcing its place among the best Fort Myers, FL auto insurance options for cost-conscious drivers.
Cons
- Higher Average Rates: Premiums can be higher compared to other Florida top companies , especially for basic policies. Access our State Farm auto insurance review for ideas.
- Digital Experience Could Improve: Online tools and app functionality may not be as advanced as other Fort Myers, Florida auto insurance companies.
#3 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program: Usage-based program rewards safe driving, making it a top choice among best Fort Myers, FL auto insurance providers for tech-savvy, safe drivers.
- Competitive Pricing: Offers attractive rates across various driver demographics, solidifying its place as one of the top Fort Myers insurance providers.
- Customizable Policies: Flexible policy options make it one of the best Fort Myers insurance options for tailored coverage. For in-depth search, look into our Progressive auto insurance review.
Cons
- Mixed Customer Service: Customer service experiences vary, which can detract from its reputation as one of the best Fort Myers car insurance providers.
- Potential Rate Increases: Some drivers report rate hikes, which can be a drawback compared to other best Fort Myers, Florida auto insurance options.
#4 – Allstate: Best for Reliable Claims
Pros
- Reliable Claims Service: Known for consistent claims support, making it one of the best Fort Myers, FL auto insurance providers for reliability.
- Discount Opportunities: Offers multiple discounts, making it a strong contender for best Florida auto insurance for savings.
- Bundling Discounts: Provides significant savings for bundling multiple policies, solidifying its reputation among other auto insurance options.
Cons
- Higher Premiums for New Drivers: Rates for younger or new drivers may be higher than other known Florida insurance providers.
- Limited Policy Customization: Fewer customization options compared to other best insurance options. To expand your knowledge, refer to our full Allstate auto insurance review.
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#5 – Liberty Mutual: Best for Bundling Discounts
Pros
- Bundling Discounts: Large savings for bundling, making it one of the best Fort Myers, Florida auto insurance providers for multiple policies.
- New Car Replacement: Unique coverage options, such as new car replacement, strengthen its place among the top insurance companies in Florida.
- Accident Forgiveness: This feature helps keep premiums steady, enhancing its appeal as one of the best providers of auto insurance in Fort Myers.
Cons
- Higher Rates Without Discounts: Premiums may be high without discounts, making it less competitive among other well-known auto insurance provider.
- Mixed Customer Feedback: Customer service reviews are mixed, affecting its standing as a best Fort Myers, FL auto insurance. For more details, check out our Liberty Mutual auto insurance review.
#6 – AAA: Best for Member Benefits
Pros
- Member Benefits: Exclusive discounts and perks for members, boosting its value as the best option for Fort Myers auto insurance.
- Roadside Assistance: Extensive roadside support reinforces its standing among the best Florida auto insurance company.
- Travel Discounts: Extra travel-related discounts add to its reputation as a best Fort Myers, FL auto insurance choice. Read more through our AAA auto insurance review for details.
Cons
- Membership Requirement: Insurance requires AAA membership, which can be a drawback among the best options for auto insurance in Fort Myers, Florida.
- Limited Coverage Types: Fewer coverage types than other providers of premium service.
#7 – Travelers: Best for Competitive Rates
Pros
- Competitive Rates: Known for competitive pricing, making it a standout among best Florida auto insurance providers.
- Safe Driver Program: Rewards safe driving habits, enhancing its appeal as one of the best options of auto insurance provider.
- Range of Discounts: Offers various discounts, positioning it among the best Fort Myers, FL auto insurance options for savings.
Cons
- Customer Service Issues: Customer service can be inconsistent, which may detract from its appeal as one of the best provider of Florida auto insurance.
- Limited Local Presence: Fewer agents in some areas compared to other best Fort Myers, FL auto insurance providers. Learn more by exploring our Travelers auto insurance review.
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#8 – Nationwide: Best for Safe Driving
Pros
- Safe Driving Discounts: Offers attractive discounts for safe drivers, boosting its reputation as one of the top choices of auto insurance in Fort Myers.
- On Your Side Review: Personalized reviews with agents set it apart as a best Florida auto insurance provider. Gain deeper insights by reading our Nationwide auto insurance review.
- Accident Forgiveness: Keeps rates steady after a minor accident, appealing to best Fort Myers, FL auto insurance seekers.
Cons
- Higher Premiums for Young Drivers: Rates can be high for young drivers, which may affect its standing as a best Fort Myers top choice for auto insurance.
- Limited Digital Tools: Online tools and app experience may be less advanced than other Fort Myers, Florida providers.
#9 – Farmers: Best for Comprehensive Policies
Pros
- Comprehensive Coverage Options: Extensive coverage makes it a top choice among best Fort Myers, FL auto insurance providers.
- Discounts for Homeowners: Provides discounts for homeowners, strengthening its reputation as a the best option for auto insurance in Florida.
- Strong Agent Network: Local agents offer personalized support, appealing to those people in Fort Myers seeking the best auto insurance service.
Cons
- Higher Rates for Standard Policies: Basic policies can be more expensive than other best Fort Myers, FL auto insurance. Dig into our Farmers auto insurance review for a complete overview.
- Slow Claims Process: Some customers report slower claims, which may impact its status as one of the top providers of auto insurance in Florida.
#10 – The General: Best for High-Risk Coverage
Pros
- High-Risk Driver Options: Specializes in high-risk driver coverage, making it one of the best auto insurance options for those with driving issues in Florida.
- Flexible Payment Plans: Flexible payment options make it accessible as a best Fort Myers, FL auto insurance provider. Read more through our The General auto insurance review.
- Affordable Basic Coverage: Competitive rates for minimum coverage make it attractive among other provider of auto insurance in Fort Myers.
Cons
- Limited Coverage Options: Fewer choices for higher-end coverage than other auto insurance providers in Fort Myers, Florida.
- Mixed Reputation: Varying reviews on customer service may impact its standing as a top choice of auto insurance provider.
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Auto Insurance Rates by Provider & Coverage Level of Fort Myers, FL
You cannot drive legally in the state of Florida without purchasing auto insurance. But you can help mitigate this required expense by choosing the amount of coverage that is appropriate for your vehicle.
Fort Myers, FL Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$100 $180
$95 $175
$105 $185
$70 $140
$110 $190
$80 $155
$90 $150
$85 $160
$120 $200
$92 $170
Older vehicles and less expensive vehicles obviously don’t need as much coverage, but you will need to purchase an appropriate amount of liability coverage to make sure you don’t get sued or have your own financial assets seized in the event of a serious accident.
Auto Insurance Discounts From the Top Providers in Fort Myers, FL
Insurance Company Available Discounts
Multi-Policy, Good Driver, Good Student, Anti-Theft, Defensive Driving, Low Mileage, Loyalty, Paperless, New Car
Multi-Policy, Drivewise (Usage-based), New Car, Good Student, Anti-Theft, Safe Driver, FullPay, Early Signing, Responsible Payer, Senior
Multi-Policy, Safe Driver, Good Student, Senior, Homeowner, Alternative Fuel Vehicle, Shared Family Car, Business and Professional Group
Multi-Policy, Good Driver, Military, Federal Employee, Good Student, Anti-Theft, Defensive Driving, Vehicle Safety, New Vehicle, Emergency Deployment
Multi-Policy, New Car Replacement, Accident-Free, Good Student, Safe Driver, Online Purchase, Multi-car, Military, Hybrid/Electric Vehicle
Multi-Policy, SmartRide (Usage-based), SmartMiles (Pay-per-mile), Accident-Free, Good Student, Defensive Driving, Paperless, Anti-Theft, Easy Pay
Multi-Policy, Snapshot (Usage-based), Good Student, Multi-car, Continuous Insurance, Homeowner, Sign Online, Paperless, Safe Driver
Multi-Policy, Drive Safe & Save, Good Student, Accident-Free, Defensive Driving, Good Driver, Safe Vehicle, Vehicle Safety, Steer Clear Program
SR-22 Discount, Low Mileage, Military, Defensive Driving, Anti-Theft
Multi-Policy, IntelliDrive (Usage-based), Safe Driver, Continuous Insurance, Hybrid/Electric Vehicle, New Car, Multi-car, Homeowner
Newer and more expensive cars should have comprehensive and collision coverage, along with higher limits and even some gap coverage if you purchased your vehicle brand new.
Living in Florida means you can expect to pay at least $170 per month for your policy because that’s the state average. But you could save at least $69 or more by shopping around with us right now.
Cheapest Auto Insurance in Fort Myers, FL
There are a variety of companies offering competitive rates, including Amigos Auto Insurance Fort Myers, FL, Direct Auto Insurance Fort Myers, FL, Fiesta Auto Insurance Fort Myers, FL, Mr. Auto Insurance Fort Myers, FL, Progressive Insurance Fort Myers, FL and more.
Fort Myers, FL Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 10% | Geico, State Farm, Allstate |
| Multi-Policy Discount | A- | 12% | Progressive, Nationwide, Liberty Mutual |
| Good Student Discount | B+ | 8% | Farmers, USAA, American Family |
| Anti-Theft Device Discount | B | 6% | Travelers, MetLife, The Hartford |
| Defensive Driving Course Discount | B- | 5% | NJM Insurance, Plymouth Rock |
According to our research, Hanover (read our “Hanover Auto Insurance Review” for more information) and Allied are pulling ahead as the most affordable car insurance agencies in Fort Myers, Florida.
Allstate and Farmers are a little more expensive, but you also may find better customer service at those well-established companies.Scott W. Johnson Licensed Insurance Agent
These are just a few of the factors that can determine whether or not you get an affordable monthly premium.
The more you educate yourself on how Fort Myers, FL auto insurance companies determine rates, the easier it will be for you to find the cheapest auto insurance Fort Myers, FL.
Fort Myers, FL Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Claims Satisfaction | A | High satisfaction with claims process among residents. |
| Discount Availability | B+ | Multiple discount options available for various drivers. |
| Average Premium Cost | B | Premiums are slightly above the state average. |
| Rate Stability | B- | Rates have seen minor changes in recent years. |
| Affordability | C+ | Costs are moderate but can impact affordability for some. |
Either way, you’re going to want to compare these rates to others in your ZIP code if you want to make sure you get the most affordable price. To begin, enter your ZIP code now.
Factors Affecting Cheap Car Insurance in Fort Myers, Florida
Let’s start by talking about the most important factors which determine the total value of your monthly rate.
In the section, we will discuss the things which insurance providers believe are the strongest indicators that you are a responsible, safe driver who will pay their bills on time and cost them very little money to insure.
Your ZIP Code
Insurance companies ask for your ZIP code because it provides them with a wealth of information which can help them predict your likelihood of getting into an accident.
The fact that Fort Myers’ booming population is now sitting at 77,154 residents might give car insurance companies in Fort Myers, Florida pause.
Because the city has been growing so rapidly in such a short amount of time, they may not have the infrastructure to handle that much traffic safely.
Automotive Accidents
Like we just touched on, living in an area which doesn’t have the infrastructure to handle its rush-hour traffic means there will likely be more accidents happening. This increases your risk of getting into an accident, no matter how careful of a driver you are.
5 Most Common Auto Insurance Claims in Fort Myers, FL
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collision | 35% | $3,800 |
| Single Vehicle Accident | 20% | $4,300 |
| Intersection Accident | 18% | $5,500 |
| Parked Car Damage | 15% | $2,100 |
| Weather-Related Damage | 12% | $3,000 |
That risk means your insurance company is going to charge you more in order to protect themselves from paying out expensive claims for you. As you can see in the chart below, the data doesn’t look good for the traffic statistics in Fort Myers.
Auto Thefts in Fort Myers
How about the risk of auto theft in Fort Myers? The most recent data shows an annual average of 220 vehicles reported stolen in the area.
Your insurance company may penalize you for this too – but talk to them about what you can do to lower your likelihood of auto theft, such as installing a passive alarm system to deter would-be thieves. You might even get a discount for it.
Your Credit Score
If you have a low credit score, it’s usually not for lack of trying. Unfortunately, many businesses and other organizations feel that you should be punished further for your financial status by charging you higher rates on things like car insurance, among other financial products.
Fort Myers, FL Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Bonita Springs | 450 | 430 |
| Cape Coral | 800 | 770 |
| Estero | 300 | 290 |
| Fort Myers | 1,100 | 1,050 |
| Lehigh Acres | 600 | 580 |
The best thing you can do is try to swim upstream and do everything you can to improve your credit score – that way, over time, you may be able to give yourself a chance at a lower rat.
Your Driving Record
Insurance companies are all about reducing their risk. Most companies want to insure drivers that pose the least risk of getting into an accident. This is because when drivers get into accidents and file claims, insurance companies have to lose money – which they don’t like to do.
In conclusion, finding the cheapest auto insurance in Fort Myers depends on factors like your ZIP code, driving record, and local accident rates.
Improving your credit score, maintaining a clean driving record, and adding anti-theft measures can help you secure lower rates. Enter your ZIP code now to begin comparing rates.
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Frequently Asked Questions
Which auto insurance provider is considered the most affordable in Florida?
Geico is known for offering some of the most affordable premiums in Fort Myers, Florida, especially for basic coverage. It is often recommended for budget-conscious drivers seeking the best value.
What is a unique feature of Progressive’s auto insurance in Fort Myers, FL?
Progressive’s snapshot program allows drivers to earn discounts based on their safe driving habits. This usage-based program is particularly appealing for tech-savvy drivers who want to monitor their driving behaviors. Enter your ZIP code now to begin.
Which provider offers the best local agent network in Florida?
State Farm’s strong local agent network in Fort Myers, FL, offers personalized service, making it ideal for those who prefer direct interactions. It also provides competitive rates for average auto insurance cost, making it a popular choice for local drivers.
What kind of discounts does Geico offer to military members in Fort Myers?
Geico provides discounts specifically for military personnel and federal employees, which can make their rates even more affordable. These discounts are part of Geico’s commitment to serving the military community.
How can State Farm’s personalized service benefit drivers in Florida?
State Farm’s strong network of local agents provides personalized service, helping drivers navigate insurance policies with expert advice. This can lead to better coverage options tailored to individual needs. Enter your ZIP code now to begin.
What distinguishes Allstate’s claims service in Florida?
Allstate is known for its reliable claims service, which provides peace of mind during stressful situations.
As one of the top auto insurance companies, their claims process is typically efficient and trusted for fast resolution, ensuring that customers experience minimal hassle when they need it most.
Which auto insurance provider is known for offering new car replacement coverage?
Liberty Mutual offers a unique new car replacement coverage option, which ensures that a totaled new car will be replaced with a brand-new model. This is especially beneficial for drivers with newer cars.
How does AAA provide additional value for members ?
AAA offers exclusive member benefits such as roadside assistance and travel-related discounts. These added perks make it a strong choice for drivers who want more than just insurance coverage. Enter your ZIP code now to begin.
What is Travelers’ approach to safe driving rewards in Florida?
Travelers rewards safe driving habits with discounts through their safe driver program, making it a good option for cautious drivers.
Policyholders who maintain a clean driving record can save money, and those looking for a comprehensive insurance plan can benefit from added coverage options that further enhance their savings and protection.
Which provider is best for high-risk drivers in Fort Myers?
The General specializes in high-risk driver coverage, offering policies to those who may have trouble finding coverage elsewhere. It is considered a top choice for drivers with a less-than-perfect driving history.