Fort Myers, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Fort Myers, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Top 5 Car Insurance Companies in Fort Myers, FL, by Market Share
The average cost of auto insurance in Fort Myers, FL, is $1,344. Car owners here can improve savings by comparing multiple auto insurance quotes and reviews from different insurers. Numerous factors affect the cost of auto insurance in Fort Myers, FL, including the make and model of the car and the driver’s age. Zimlon offers car owners the option of keying in their zip code to get accurate auto insurance quotes from different car insurance companies.
Zimlon explores the list of the top 5 auto insurance companies in Fort Myers, FL, based on market share.
GEICO:
GEICO leads the way in Florida, with a market share of 25.23%. It has 5,160,726 direct premiums written, and 5,081,055 direct premiums earned. GEICO continues to bring innovations into the field of insurance, the latest being its virtual assistant, KATE. GEICO has an A.M. Best rating of A++ and a J.D. Power score of 827/1000 in Florida.
PROGRESSIVE:
Progressive is second on this list, with an A.M. Best Rating of A+ and a J.D. Power score of 809/1000. It has a massive 3,749,329 direct premiums written, and 3,582,160 direct premiums earned, earning Progressive a market share of 18.30% in Florida.
STATE FARM:
State Farm has a market share of 14.70%, with a J.D. Power score of 834/1000, in Florida. The company also has an A.M. Best rating of A++. State Farm has 3,014,788 direct premiums written, and 3,047,953 direct premiums earned in Florida. State Farm makes it easy to shop for insurance with an immensely customer-friendly online portal.
ALLSTATE:
Allstate has 1,897,567 direct premiums written and 1,880,647 direct premiums earned. The company has a market share of 9.28% in Florida. Allstate also has an A.M. Best rating of A+ and a J.D. Power score of 847/1000.
USAA:
USAA completes this list, with a market share of 7.07%. It has 1,445,356 direct premiums written, and 1,431,650 direct premiums earned. USAA has an A.M. Best rating of A++ and a J.D. Power score of 898/1000. This is the highest score in Florida.
Factors that can influence the cost of car insurance in Fort Myers, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Fort Myers, FL Auto Insurance Rates
- Fort Myers, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Fort Myers, FL
- Multi Vehicle Insurance Savings in Fort Myers, FL
- How Credit Score Affects Car Insurance Rates in Fort Myers, FL
- How DUI Affects Auto Insurance Premiums in Fort Myers, FL
- How Driving Violations Affect Auto Insurance Rates in Fort Myers, FL
- Fort Myers, FL Auto Insurance Discounts on Anti Theft Feature
- Fort Myers, FL Auto Insurance Company Reviews
Fort Myers, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Fort Myers, FL with that of other cities in and around Fort Myers.
| Fort Myers | Page Park | Villas | Cypress Lake | Fort Myers | Pine Manor | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,344 | $2,030 | $2,121 | $2,118 | $1,344 | $2,003 |
Fort Myers, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Fort Myers, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Lee County | $1,105 | $934 |
| Fort Myers | $1,053 | $889 |
| Cypress Lake | $1,007 | $851 |
| Whiskey Creek | $1,478 | $1,248 |
| McGregor | $1,442 | $1,218 |
| Villas | $1,269 | $1,072 |
| Pine Manor | $1,416 | $1,196 |
| Page Park | $2,390 | $2,018 |
Fort Myers, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Fort Myers, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,361 |
| 20 Years | $1,727 |
| 30 Years | $1,330 |
| 40 Years | $1,280 |
| 50 Years | $1,185 |
| 60 Years | $1,202 |
| 70 Years | $1,399 |
Fort Myers, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Fort Myers, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,312 | $376 |
| 3 Vehicles | $3,468 | $564 |
| 4 Vehicles | $4,623 | $753 |
Savings on 2 Vehicles bundle:$376
Savings on 3 Vehicles bundle:$564
Savings on 4 Vehicles bundle:$753
Fort Myers, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Fort Myers, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Lee County | $1,512 | $2,366 |
| Fort Myers | $1,344 | $2,103 |
| Cypress Lake | $2,118 | $3,315 |
| Whiskey Creek | $2,221 | $3,476 |
| McGregor | $2,329 | $3,645 |
| Villas | $2,121 | $3,319 |
| Pine Manor | $2,003 | $3,135 |
| Page Park | $2,030 | $3,177 |
Fort Myers, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,153 |
| Excellent (740-799) | $1,316 |
| Good (670-739) | $1,400 |
| Average (580-669) | $1,827 |
| Poor (300-579) | $2,192 |
Fort Myers, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$59 | $1,403 |
| Driver's Failure In Showing Documents | +$130 | $1,474 |
| Driving With An Expired Registration | +$138 | $1,482 |
| Driving At A Considerably Slow Pace | +$292 | $1,636 |
| Using A Cellphone While Driving | +$308 | $1,652 |
| Running A Red Light | +$313 | $1,657 |
| Speeding | +$329 | $1,673 |
| Driving A Vehicle Without The Required Permission | +$418 | $1,762 |
| Driving With An Expired/Suspended License | +$906 | $2,250 |
Fort Myers, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,290 |
| Active Disabling Device | $1,290 |
| Tracking Device | $1,263 |
| Passive Disabling Device | $1,250 |
Latest Auto Insurance Reviews in Fort Myers, FL | Back to Top
GeicoGreat service, great price. Had no problems with them when I had to have my car towed to get the alternator replaced and so far I have not had my insurance premium raised for it.
UsaaI have the standard deductible provided by most insurance companies. I would say my company is fair and consistent with their rates.
GeicoI would recommend them, again the company is polite, I have not had a bad experience with them. I feel they are fast and have great customer service constantly checking while you are in the need of help.
ProgressiveI don't remember my deductible amount since I have never needed it, but I am guessing it is about $1,000 and that's fine with me.
The HartfordI shopped for prices two or three years ago. Other insurances were almost twice as high in rates as others.
GeicoGeico is very reasonably priced. I searched for them online one time and going with them was going to bring my premium down.
UsaaUSAA offers very good car insurance policies that cover almost everything that is needed. They will replace the cost of your car and provide many types of insurance.
Safeco InsuranceI love my car insurance company. They are my home insurance as well. I get a discount for bundling both home and auto. Overall, I am very happy with customer service
GeicoI like the price and the ease of making changes to my policy. I also like the customer service.
AllstateI have been with Allstate for about 8 years I like their policies I think I will continue to be with this insurance company
EsuranceI really like that I can just do everything online, including payment. I never had to talk to any customer support yet, so I can't say how well they do their jobs.
UsaaI like the service, the support, and the bang for the buck that USAA provides. I highly recommend them.
ProgressiveMy Auto insurance not only offers car coverage, it also allows us to be protected in other ways, such as home owner and renters insurance.
Frontline InsuranceI like my insurance company because I don'thave to go to there office to renew. I can just call them. It is the same every time.
GeicoIt was very easy to get my quote. All my information and insurance paperwork is online in one place. They have the best payment plan. I am very happy with Geico.
GeicoWhat I appreciate most is the way they let me make payments and the extra charge for making payments. Geico only charges 5 dollars a payment while others charge 10 or more dollars and require 6 payments so thats 60 extra dollars. Geico lets me make 4 payments for only 20 extra.
AllstateI don't like the price of the insurance. I'm sure I'm paying top dollar for the premium and there are other companies that will probably be able to offer me something better. I would like more discounts and more ways to feel like a valued customer.
UsaaWhat most people don't like about USAA is that there aren't any physical locations that we could walk into and deal with stuff.