Cheap Car Insurance in Fort Myers

Written by Xuyun Zeng and 1 other
Updated Mar 13, 2025
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Cheap Car Insurance in Fort Myers

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Fort Myers sees a mix of seasonal traffic, with an influx of tourists and snowbirds crowding roads like U.S. 41 and Interstate 75. Heavy rains and the threat of hurricanes can create hazardous driving conditions, especially in flood-prone areas. Bridges connecting the city to nearby islands can become chokepoints, making commutes unpredictable. 

With rapid growth and weather risks, reliable coverage helps keep drivers prepared for Fort Myers’ unique road challenges. Jerry’s data can help drivers in Fort Myers find and price the best car insurance policies according to factors like age, zip code and driving history.

Cheapest minimum coverage insurance in Fort Myers

Here are the cheapest minimum coverage quotes for drivers in Fort Myers:

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$56 $670 Progressive 46 January 19, 2024 Fort Myers, FL 33901
$59 $704 National General 50 December 27, 2024 Fort Myers, FL 33967
$62 $740 Progressive 55 January 9, 2025 Fort Myers, FL 33919
$67 $799 National General 40 March 10, 2025 Fort Myers, FL 33967
$67 $804 Progressive 66 May 11, 2024 Fort Myers, FL 33919
$67 $808 Progressive 31 February 21, 2025 Fort Myers, FL 33901
$68 $810 National General 25 September 25, 2024 Fort Myers, FL 33912
$68 $810 Gainsco 65 July 1, 2024 Fort Myers, FL 33919
$68 $813 National General 27 March 9, 2025 Fort Myers, FL 33967
$70 $834 National General 68 October 14, 2024 Fort Myers, FL 33912
Last Updated Mar 24, 2025

Florida requires drivers to carry these minimum coverages:

  • $10,000 in personal injury protection (PIP) coverage.
  • $10,000 in property damage liability coverage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

Cheapest full coverage insurance in Fort Myers

Although Fort Myers sits on the west coast of Florida, it still faces relatively high risks of flooding and hurricanes. The area also continues to grow in population, meaning more drivers on the roads. 

If your car is damaged in a collision or due to a weather-related incident, the state-required minimum coverage won’t pay for your repairs, but full coverage could. Here are the cheapest quotes that drivers in Fort Myers pay for full coverage, based on Jerry’s quote data.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$62 $740 Progressive 55 January 9, 2025 Fort Myers, FL 33919
$67 $799 National General 40 March 10, 2025 Fort Myers, FL 33967
$67 $804 Progressive 66 May 11, 2024 Fort Myers, FL 33919
$67 $808 Progressive 31 February 21, 2025 Fort Myers, FL 33901
$71 $857 National General 58 October 24, 2024 Fort Myers, FL 33907
$83 $998 Progressive 30 December 27, 2024 Fort Myers, FL 33908
$95 $1,143 National General 29 March 14, 2025 Fort Myers, FL 33907
$98 $1,178 Progressive 26 January 26, 2025 Fort Myers, FL 33905
$103 $1,234 Progressive 55 August 31, 2024 Fort Myers, FL 33966
$103 $1,236 The General 77 November 7, 2024 Fort Myers, FL 33916
Last Updated Mar 24, 2025

Cheapest car insurance for young drivers in Fort Myers (18-29 years old)

Young drivers usually pay the highest rates for car insurance due to a lack driving experience, which insurers view as a risk. Here are the cheapest quotes that young drivers in Fort Myers received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$62 $742 Progressive 26 No March 4, 2025 Fort Myers, FL 33966
$68 $810 National General 25 No September 25, 2024 Fort Myers, FL 33912
$68 $813 National General 27 No March 9, 2025 Fort Myers, FL 33967
$78 $934 National General 24 No September 25, 2024 Fort Myers, FL 33912
$78 $942 Embark General 26 No October 11, 2023 Fort Myers, FL 33967
Last Updated Mar 24, 2025

Cheapest car insurance for mature drivers in Fort Myers (30-54 years old)

Drivers between 30 and 54 years old generally pay less for car insurance than younger drivers, but it’s still wise to shop around for a better rate before your policy renews.These are the cheapest quotes for mature drivers in Fort Myers.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$49 $582 Progressive 34 No January 8, 2024 Fort Myers, FL 33966
$56 $670 Progressive 46 No January 19, 2024 Fort Myers, FL 33901
$59 $704 National General 50 No December 27, 2024 Fort Myers, FL 33967
$67 $799 National General 40 Yes March 10, 2025 Fort Myers, FL 33967
$67 $802 National General 53 No December 29, 2024 Fort Myers, FL 33905
Last Updated Mar 24, 2025

Cheapest car insurance for older drivers in Fort Myers (55+ years old)

Drivers older than 54 typically pay the lowest premiums until they reach their 70s, when prices can start increasing. Here are the cheapest quotes that older drivers in Fort Myers received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$62 $740 Progressive 55 January 9, 2025 Fort Myers, FL 33919 Yes
$67 $804 Progressive 66 May 11, 2024 Fort Myers, FL 33919 Yes
$68 $810 Gainsco 65 July 1, 2024 Fort Myers, FL 33919 No
$70 $834 National General 68 October 14, 2024 Fort Myers, FL 33912 No
$71 $857 National General 58 October 24, 2024 Fort Myers, FL 33907 Yes
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with clean records in Fort Myers

Drivers who have no violations, accidents or claims typically pay the lowest premiums. These are the cheapest quotes that drivers in Fort Myers with clean records have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$56 $670 Progressive 46 January 19, 2024 No Fort Myers, FL 33901
$59 $704 National General 50 December 27, 2024 No Fort Myers, FL 33967
$62 $740 Progressive 55 January 9, 2025 Yes Fort Myers, FL 33919
$62 $742 Progressive 26 March 4, 2025 No Fort Myers, FL 33966
$67 $799 National General 40 March 10, 2025 Yes Fort Myers, FL 33967
$68 $810 National General 25 September 25, 2024 No Fort Myers, FL 33912
$68 $813 National General 27 March 9, 2025 No Fort Myers, FL 33967
$69 $832 Progressive 50 October 1, 2023 No Fort Myers, FL 33905
$71 $852 National General 52 November 10, 2024 No Fort Myers, FL 33908
$74 $884 Embark General 49 February 12, 2024 No Fort Myers, FL 33916
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with low credit scores in Fort Myers

Having a low credit score may cause your premiums to be higher, as Florida allows insurers to determine your premium based on this information. Since insurers weigh credit scores differently in their pricing models, shopping around may help you find the lowest rate. Here are the cheapest quotes that drivers in Fort Myers with credit scores below 550 have received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $87 $1,040 Gainsco 35 March 19, 2025 Fort Myers, FL 33967
<550 $88 $1,051 Assurance America 38 February 4, 2024 Fort Myers, FL 33907
<550 $92 $1,108 Progressive 34 January 8, 2024 Fort Myers, FL 33966
<550 $95 $1,135 Assurance America 32 March 3, 2025 Fort Myers, FL 33905
<550 $109 $1,310 Bristol West 38 February 4, 2024 Fort Myers, FL 33907
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Fort Myers

Drivers with at-fault accidents on their records typically pay higher premiums. If you were in an accident recently, compare quotes from multiple insurers to find the cheapest auto insurance before your policy renews. These are the cheapest quotes that drivers with accidents on their records in Fort Myers have received via Jerry.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $67 $804 Progressive 66 Yes May 11, 2024 Fort Myers, FL 33919
At Fault With No Injury $68 $810 Gainsco 65 No July 1, 2024 Fort Myers, FL 33919
At Fault With No Injury $70 $834 National General 68 No October 14, 2024 Fort Myers, FL 33912
At Fault With No Injury $83 $998 Progressive 30 Yes December 27, 2024 Fort Myers, FL 33908
At Fault With No Injury $84 $1,010 Progressive 30 No December 23, 2024 Fort Myers, FL 33908
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with speeding tickets in Fort Myers

A speeding ticket typically causes your premium to increase. If you’ve recently been cited, it’s wise to shop for quotes before your policy renews to ensure you’re paying the lowest rate. Here are the cheapest quotes that drivers with speeding tickets have received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $95 $1,143 National General 29 March 14, 2025 Fort Myers, FL 33907
Speeding under 15 $96 $1,157 National General 29 October 16, 2024 Fort Myers, FL 33907
Speeding under 15 $96 $1,157 National General 29 October 17, 2024 Fort Myers, FL 33907
Speeding over 15 $106 $1,266 National General 31 July 17, 2024 Fort Myers, FL 33967
Speeding under 15 $123 $1,476 Bristol West 29 March 14, 2025 Fort Myers, FL 33907
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with DUIs in Fort Myers

Drivers with DUIs may have difficulty finding insurance, and when they do, premiums are likely to be higher. Getting multiple quotes after a DUI can help you find insurance that you need at the lowest price possible. These are the cheapest quotes that drivers with DUIs in Fort Myers have received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $213 $2,557 Progressive 30 January 30, 2024 Fort Myers, FL 33907
DUI $312 $3,748 Progressive 30 January 31, 2024 Fort Myers, FL 33907
DUI $343 $4,122 Progressive 30 December 19, 2023 Fort Myers, FL 33907
DUI $387 $4,648 Bristol West 35 May 15, 2024 Fort Myers, FL 33901
DUI $886 $10,630 Progressive 50 February 2, 2024 Fort Myers, FL 33912
Last Updated Mar 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.