Fort Myers Auto Insurance Rates, Quotes, Agents & Reviews in FL

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.

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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 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 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 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 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 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 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

Great 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.
I have the standard deductible provided by most insurance companies. I would say my company is fair and consistent with their rates.
I 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.
I 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 Hartford
I shopped for prices two or three years ago. Other insurances were almost twice as high in rates as others.
Geico is very reasonably priced. I searched for them online one time and going with them was going to bring my premium down.
USAA 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 Insurance
I 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
I like the price and the ease of making changes to my policy. I also like the customer service.
I have been with Allstate for about 8 years I like their policies I think I will continue to be with this insurance company
I 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.
I like the service, the support, and the bang for the buck that USAA provides. I highly recommend them.
My 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 Insurance
I 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.
It 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.
What 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.
I 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.
What most people don't like about USAA is that there aren't any physical locations that we could walk into and deal with stuff.