Best North Fort Myers, FL Car Insurance in 2026
Car insurance in North Fort Myers, FL averages $335 a month. North Fort Myers, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap North Fort Myers car insurance rates, compare quotes from the top car insurance companies in North Fort Myers, FL.
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Insurance and Finance Writer
Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...
Dorothea Hudson
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Joel Ohman
Updated January 2025
- Average car insurance rates in North Fort Myers, FL are $4,016/year
- Average car insurance rates in North Fort Myers, FL after a DUI are $4,797/year
- The cheapest car insurance company in North Fort Myers is USAA
If you need to buy North Fort Myers, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in North Fort Myers, FL is right here.
You’ll find North Fort Myers car insurance rates, the cheapest North Fort Myers, FL car insurance companies, and information on Florida car insurance laws. You can also compare North Fort Myers, Florida car insurance rates to Cape Coral car insurance rates, Orlando car insurance rates, and Hialeah car insurance rates.
Ready to find affordable North Fort Myers, FL car insurance today? Enter your ZIP code for fast, free North Fort Myers car insurance quotes.
Cheapest North Fort Myers, FL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect North Fort Myers, FL car insurance rates? Every North Fort Myers, Florida car insurance company weighs these factors differently, so compare car insurance rates by age and gender to learn more.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,827 | $3,641 | $3,316 | $3,361 | $13,096 | $14,114 | $3,818 | $3,866 |
| Geico | $2,483 | $2,498 | $2,322 | $2,322 | $4,442 | $5,614 | $2,740 | $2,795 |
| Liberty Mutual | $3,207 | $3,207 | $2,943 | $2,943 | $6,704 | $10,293 | $3,207 | $4,326 |
| Nationwide | $2,591 | $2,553 | $2,312 | $2,392 | $6,176 | $7,581 | $2,846 | $2,953 |
| Progressive | $3,451 | $3,263 | $2,971 | $3,180 | $9,764 | $10,692 | $4,169 | $4,014 |
| State Farm | $1,875 | $1,875 | $1,701 | $1,701 | $5,233 | $6,694 | $2,083 | $2,218 |
| USAA | $1,403 | $1,378 | $1,313 | $1,301 | $4,844 | $5,619 | $1,753 | $1,891 |
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Minimum Car Insurance in North Fort Myers, FL
How much car insurance do you need? Every driver must carry the minimum car insurance in North Fort Myers, FL. Take a look at the Florida car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest North Fort Myers, FL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in North Fort Myers, FL. Compare credit history car insurance rates in North Fort Myers from top companies for good, fair, and poor credit. You could even get a good credit discount. What is a good credit discount? This is a discount some insurance companies give to reward customers for having a good credit score.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,546 | $5,429 | $4,415 |
| Geico | $4,576 | $2,782 | $2,098 |
| Liberty Mutual | $5,914 | $4,355 | $3,542 |
| Nationwide | $4,608 | $3,373 | $3,046 |
| Progressive | $6,751 | $4,803 | $4,010 |
| State Farm | $4,010 | $2,617 | $2,140 |
| USAA | $3,952 | $1,945 | $1,417 |
Cheapest North Fort Myers, FL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare car insurance rates with a bad driving record in North Fort Myers, FL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,287 | $6,332 | $7,031 | $5,869 |
| Geico | $2,208 | $2,811 | $4,164 | $3,426 |
| Liberty Mutual | $3,329 | $4,312 | $6,241 | $4,533 |
| Nationwide | $3,140 | $3,446 | $4,631 | $3,485 |
| Progressive | $4,098 | $6,059 | $5,098 | $5,498 |
| State Farm | $2,669 | $3,176 | $2,922 | $2,922 |
| USAA | $1,904 | $2,356 | $3,494 | $1,997 |
Cheapest North Fort Myers, FL Car Insurance for Teen Drivers
Teen car insurance in North Fort Myers, FL can be expensive. Compare car insurance rates for teen drivers from the top car insurance companies in North Fort Myers for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,096 | $14,114 |
| Geico | $4,442 | $5,614 |
| Liberty Mutual | $6,704 | $10,293 |
| Nationwide | $6,176 | $7,581 |
| Progressive | $9,764 | $10,692 |
| State Farm | $5,233 | $6,694 |
| USAA | $4,844 | $5,619 |
Cheapest North Fort Myers, FL Car Insurance for Seniors
Car insurance for seniors can vary. Take a look at North Fort Myers, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,316 | $3,361 |
| Geico | $2,322 | $2,322 |
| Liberty Mutual | $2,943 | $2,943 |
| Nationwide | $2,312 | $2,392 |
| Progressive | $2,971 | $3,180 |
| State Farm | $1,701 | $1,701 |
| USAA | $1,313 | $1,301 |
Cheapest North Fort Myers, FL Car Insurance Rates After a DUI
A DUI in North Fort Myers, FL increases car insurance rates. Compare car insurance rates after a DUI in North Fort Myers, Florida to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,031 |
| Geico | $4,164 |
| Liberty Mutual | $6,241 |
| Nationwide | $4,631 |
| Progressive | $5,098 |
| State Farm | $2,922 |
| USAA | $3,494 |
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Cheapest North Fort Myers, FL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in North Fort Myers, FL by commute? You can get lower car insurance by driving less. Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,957 | $6,303 |
| Geico | $3,136 | $3,168 |
| Liberty Mutual | $4,457 | $4,751 |
| Nationwide | $3,676 | $3,676 |
| Progressive | $5,188 | $5,188 |
| State Farm | $2,820 | $3,025 |
| USAA | $2,411 | $2,465 |
The Best Cheap Car Insurance Companies in North Fort Myers, FL
Take a look at a side-by-side comparison of the top car insurance companies in North Fort Myers, FL to find the best option for your needs. Read about the five best car insurance companies so you can get a better insurance policy.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,130 |
| Geico | $3,152 |
| Liberty Mutual | $4,604 |
| Nationwide | $3,676 |
| Progressive | $5,188 |
| State Farm | $2,922 |
| USAA | $2,438 |
Category Winners: Cheapest Car Insurance in North Fort Myers, Florida
Find the cheapest car insurance companies in North Fort Myers, FL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Cheapest North Fort Myers, FL Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your North Fort Myers car insurance rates. Find the cheapest North Fort Myers, FL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,935 | $6,402 | $7,053 |
| Geico | $2,627 | $3,258 | $3,571 |
| Liberty Mutual | $4,236 | $4,670 | $4,905 |
| Nationwide | $2,962 | $3,810 | $4,255 |
| Progressive | $4,372 | $5,305 | $5,887 |
| State Farm | $2,514 | $2,991 | $3,262 |
| USAA | $2,098 | $2,527 | $2,688 |
What affects car insurance rates in North Fort Myers, Florida?
What factors can have an impact on North Fort Myers, FL car insurance? There are several reasons why North Fort Myers car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in North Fort Myers, Florida.
Commute Time in North Fort Myers
The more time you spend in your car the higher the risk of an accident. The average commute length in North Fort Myers, FL is 25.8 minutes according to City-Data.
Compare Car Insurance Quotes in North Fort Myers, FL
Ready to find affordable North Fort Myers, Florida car insurance today? Enter your ZIP code for fast, free North Fort Myers, FL car insurance quotes.
Frequently Asked Questions
How are car insurance rates determined in North Fort Myers, FL?
Car insurance rates in North Fort Myers, FL are determined based on various factors, including your driving record, age, gender, type of vehicle, credit score, and the coverage options you choose. Insurance companies also consider the local area’s crime rates and accident statistics when determining rates.
What are some ways to lower car insurance rates in North Fort Myers, FL?
There are several strategies you can use to potentially lower your car insurance rates in North Fort Myers, FL. These include maintaining a clean driving record, bundling multiple policies with the same insurance provider, opting for higher deductibles, installing safety features in your vehicle, and taking advantage of any available discounts such as good student or safe driver discounts.
Are car insurance rates in North Fort Myers, FL higher than the national average?
Car insurance rates can vary from one location to another, and while North Fort Myers, FL may have its own unique factors that impact rates, it is essential to compare rates and coverage options from different insurance providers to determine if they are higher or lower than the national average.
Are car insurance rates in North Fort Myers, FL higher than the national average?
Car insurance rates can vary from one location to another, and while North Fort Myers, FL may have its own unique factors that impact rates, it is essential to compare rates and coverage options from different insurance providers to determine if they are higher or lower than the national average.
How can I compare car insurance rates in North Fort Myers, FL?
To compare car insurance rates in North Fort Myers, FL, you can start by obtaining quotes from multiple insurance providers. You can either contact insurance companies directly or use online comparison tools that allow you to receive quotes from different providers at once. Be sure to review the coverage options, deductibles, and any additional benefits or discounts offered by each provider.
Are there any local factors that affect car insurance rates in North Fort Myers, FL?
Local factors that may impact car insurance rates in North Fort Myers, FL include the area’s population density, traffic congestion, crime rates, and frequency of accidents. Insurance providers take these factors into consideration when assessing the risk associated with insuring drivers in a specific location.
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