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Cheapest car insurance in Lehigh Acres, Florida (Nov 2023)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Lehigh Acres.
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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance in Lehigh Acres

On average, car insurance in Lehigh Acres costs about $160 per month for minimum coverage liability insurance, and about $148 per month for full coverage insurance. Lehigh Acres drivers pay 18% more than the average rate in Florida.  
With hundreds of providers and thousands of
car insurance
products on the market, finding the right coverage—let alone the right price!—can be challenging.
Jerry
helps you compare quotes and makes finding
cheap car insurance in Florida
and Lehigh Acres quick and hassle-free! 
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Progressive
$111
Estella, 21
Zip: 33974
Nissan Versa S
• No Coverage Liability
Safeco
$117
Lillie, 66
Zip: 33971
KIA Soul
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$348
Fanny, 40
Zip: 33973
Infiniti QX56
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$144
Madge, 27
Zip: 33936
Toyota Corolla LE
• 15,000/30,000 Liability
• Comp / Collision
Mercury
$78
Victor, 41
Zip: 33972
Volkswagen Passat S
• State Minimum Liability
coverageLast Updated Nov 30, 2023

Cheapest West Palm Beach car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in West Palm Beach can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer
Driving Score
Insurance Savings
Has Violations
Insurance Coverage
Jonas, 25
West Palm Beach,
FL
94
35%
No
  • State Minimum Liability
  • Minimum Coverage
Alejandra, 34
West Palm Beach,
FL
77
24%
No
  • 100/300
  • Comp/Collision
Jean, 44
West Palm Beach,
FL
85
29%
No
  • State Minimum Liability
  • Minimum Coverage
Michelle, 54
West Palm Beach,
FL
97
38%
No
  • State Minimum Liability
  • Minimum Coverage
Eric, 64
West Palm Beach,
FL
67
22%
No
  • State Minimum Liability
  • Comp/Collision

Best Car Insurance Companies in Lehigh Acres

Looking for the cheapest car insurance rates in Lehigh Acres? Jerry conducted the largest insurance shopping survey in the nation to help figure it out.
State Farm
is often cited as the cheapest car insurance company in Florida, but some survey respondents reported that they were overcharged and their rates increased frequently. If you’re wondering who to trust among the big five in Lehigh Acres
GEICO
,
Progressive
,
Allstate
,
USAA
, and
Liberty Mutual
—here’s the truth: the most affordable insurance company is different for everyone.
You’ll need to compare rates from all of them, as well as providers like Assurance America and
Safeco
, before you can confidently name the best auto insurance provider for you. To get you started, here’s how survey respondents in Lehigh Acres rated the biggest companies on a scale of 0 to 5.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Liberty Mutual
4.6
4.2
4.7
4.5
Progressive
4.2
3.7
3.6
4.4
State Farm
4
3.3
3.7
4
Geico
3.9
3.1
3.4
4
USAA
3.9
2
N/A
4
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Lehigh Acres

Florida’s car insurance laws
oblige drivers to carry a minimum amount of
personal injury protection (PIP)
and
property damage liability (PDL)
to legally drive. 
PIP covers you and your passengers’ medical expenses (even if you were at fault), while PDL covers the cost of repairing or replacing any property you destroyed.
When it comes to car accidents, however, the minimum coverage is rarely enough to prevent at-fault drivers from huge out-of-pocket expense. 

Cheap minimum liability insurance quotes in Lehigh Acres

You need both PIP and PDL to drive in Lehigh Acres because Florida is a
no-fault state
. Your car insurance policy must include at least $10,000 of PIP coverage and $10,000 of PDL coverage. 
If you’re looking to pay the cheapest rates, you can stop reading here. Although sticking with the minimum coverage isn’t advised (more on that later), Jerry has helped many drivers find cheap, no-frills coverage in Lehigh Acres.
Max (45 years old)
coverageCoverage
State Minimum
locationLehigh Acres, FL (Zip Code: 33976)
$160
per month
Lawrence (28 years old)
coverageCoverage
State Minimum
locationLehigh Acres, FL (Zip Code: 33936)
$189
per month
Charlie (35 years old)
coverageCoverage
State Minimum
locationLehigh Acres, FL (Zip Code: 33972)
$182
per month
Franklin (29 years old)
coverageCoverage
State Minimum
locationLehigh Acres, FL (Zip Code: 33972)
$129
per month
William (29 years old)
coverageCoverage
State Minimum
locationLehigh Acres, FL (Zip Code: 33973)
$113
per month

Do you need more than minimum coverage in Lehigh Acres?

The state's minimum liability coverage is insufficient for most Lehigh Acres drivers.
If you cause a serious injury to somebody else in {city}, their medical bills are likely to climb far past $10,000—and because Florida doesn’t require
liability car insurance
, you could be at serious risk of a lawsuit if the other driver's PIP runs out. The same goes for PDL.
Florida’s car accident laws
allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key. 
The bottom line: It's a good idea to consider liability coverage with higher limits for greater financial protection in case of an at-fault accident.

Cheap full coverage car insurance quotes in Lehigh Acres

Full coverage car insurance
is essential for protecting yourself from the costs associated with repairing or replacing your car. It typically includes both
collision
and
comprehensive coverage
. Collision insurance pays for damages after an accident, while comprehensive insurance pays for damages after a vandalism, theft, or natural disaster.
Your lender will usually require collision and comprehensive coverage if you finance or lease your car. And even if your vehicle is paid off, you should carry full coverage if its value exceeds $3,000.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• No Coverage Liability
• Comp / Collision
Progressive
$103
Lillie, 52
Zip: 33936
Honda Civic EX
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$117
Lillie, 66
Zip: 33971
KIA Soul
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$348
Fanny, 40
Zip: 33973
Infiniti QX56
• State Minimum Liability
• Comp / Collision
Bristol West
$191
Tyler, 27
Zip: 33972
Chevrolet Spark LS
• State Minimum Liability
• Comp / Collision
National General
$229
Lela, 30
Zip: 33976
Nissan Pathfinder S
coverageLast Updated Nov 28, 2023
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Lehigh Acres

Based on our experience working with thousands of Lehigh Acres insurance policyholders, minimum liability coverage costs an average of $160 per month or $1,925 per year, while full coverage insurance costs an average of $148 per month or $1,770 per year.
Note that the type of car you drive, your driving record, claim history, and demographics all play a role in how your insurance premiums are calculated. Although the average rates in Lehigh Acres can give you an idea of the cost, the full price of your policy could vary by hundreds of dollars.

Average cost of car insurance in Lehigh Acres by zip code

Your zip code tells your car insurance provider where to send your bills, but it also hints at how likely you are to make a claim. 
How? Some zip codes are “riskier” than others, either because of a high rate of congestion, crime, or car accidents (or all three). The drivers living in these neighborhoods tend to pay more than people in other parts of Lehigh Acres.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
33936
$132
$242
33971
$159
$246

Car insurance quotes in Lehigh Acres by rating factors 

Is car insurance calculated
at random? No, even if it seems like it. Here are the five factors that determine the rates you pay for Lehigh Acres car insurance:  
  • Driving record and claims history: A history of car accidents and traffic tickets may increase your insurance premiums.
  • Vehicle location: Some ZIP codes come with higher rates.
  • Vehicle type: Sports cars, luxury cars, and high-performance cars tend to have higher collision and comprehensive coverage rates.
  • Usage: If you use your car regularly for work, your annual premium may be higher than if you use it only occasionally for pleasure.
  • Credit score: Drivers with good credit typically pay lower insurance premiums than those with bad credit for the same coverage.

How Do Different Factors Impact Your Car Insurance Costs in Lehigh Acres?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Lehigh Acres:

Cheap car insurance quotes in Lehigh Acres after driving violations

Your
Florida driving record
can significantly affect your car insurance rates. High-risk drivers receive proportionally higher insurance premiums. While a conviction for running a red light, committing a DUI, or
reckless driving in Florida
makes it harder to find an affordable rate in Lehigh Acres, it’s not impossible. 

Cheapest car insurance in Lehigh Acres after speeding ticket

Florida speeding tickets
come in several different flavors, each with a different amount of driver violation points:
  • 1-5 MPH over limit: No points
  • 6-9 MPH over limit: 3 points
  • 10-14 MPH over limit: 3 points
  • 15-19 MPH over limit: 4 points
  • 20-29 MPH over limit: 4 points
  • 30 MPH or more over limit: 4 points and mandatory court appearance
The more severe the offense, the more you’ll pay for car insurance. In spite of this, Jerry has helped a number of drivers save money by finding the lowest rates in Lehigh Acres.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Safeco
$200
Etta, 32
Zip: 33936
Toyota Camry L
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
Progressive
$218
Isaac, 31
Zip: 33936
Hyundai Accent SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 30, 2023

Cheapest car insurance in Lehigh Acres after DUI

Committing a
DUI in Florida
can have a significant impact on your car insurance rates. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums.
If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in Lehigh Acres even after a DUI conviction.
Vera (31 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLehigh Acres, FL (Zip Code: 33974)
carFord F150 Supercrew
$277
per month

Cheapest car insurance in Lehigh Acres after an at-fault accident

Your driving record in Florida is one of the crucial factors that affect your car insurance rates. Insurance companies look at any past accidents where you were at fault to determine the level of risk you pose to your insurer.
If you have been involved in an at-fault accident in the recent past, your car insurance rates in Lehigh Acres could significantly increase when your policy is up for renewal. It is essential to shop around and compare rates from different insurers to find the cheapest auto insurance after an at-fault accident.
Accident TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
At Fault With Injury
Mercury
$305
Matilda, 26
Zip: 33976
Chevrolet Trax LS
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Progressive
$136
Randall, 75
Zip: 33936
Nissan Altima
• No Coverage Liability
Not At Fault
Safeco
$76
Katherine, 69
Zip: 33936
Toyota Avalon XL
• 50,000/100,000 Liability
At Fault With No Injury
Bristol West
$235
Angel, 22
Zip: 33976
Mazda 3 Premium
• No Coverage Liability
coverageLast Updated Nov 27, 2023

Cheapest car insurance in Lehigh Acres after other driving violations

Apart from speeding tickets and DUIs, there are several other violations that can lead to an increase in car insurance costs in Lehigh Acres, including careless driving, driving without a license, and reckless driving.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Failure to Stop
Progressive
$226
Myrtie, 29
Zip: 33971
Nissan Sentra S
• No Coverage Liability
Driving on Sus. License
Mercury
$184
Minnie, 31
Zip: 33936
Hyundai Accent SE
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Bristol West
$244
Lola, 30
Zip: 33974
Ford Escape XLS
• State Minimum Liability
coverageLast Updated Nov 30, 2023

Cheap car insurance quotes in Lehigh Acres by age

Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates. 
On the other hand, drivers over the age of 75 may see an increase in their rates due to potential health issues and slower reflexes.

Cheapest car insurance in Lehigh Acres for young drivers

In Lehigh Acres, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group. 
The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.
Estella (21 years old)
coverageCoverage
No Coverage
locationLehigh Acres, FL (Zip Code: 33974)
$111
per month
Harriett (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLehigh Acres, FL (Zip Code: 33976)
carHyundai Palisade SE
$182
per month
Johanna (23 years old)
coverageCoverage
State Minimum
locationLehigh Acres, FL (Zip Code: 33973)
$249
per month
Ella (23 years old)
coverageCoverage
No Coverage
locationLehigh Acres, FL (Zip Code: 33972)
$280
per month

Cheapest car insurance in Lehigh Acres for young drivers

In Lehigh Acres, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group. 
The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.
Dorothy (75 years old)
coverageCoverage
No Coverage
locationLehigh Acres, FL (Zip Code: 33936)
$136
per month
Lillie (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLehigh Acres, FL (Zip Code: 33971)
$117
per month
Eva (73 years old)
coverageCoverage
No Coverage
locationLehigh Acres, FL (Zip Code: 33936)
$61
per month

Cheap car insurance quotes in Lehigh Acres based on insurance history

If you've had a car insurance lapse or you're currently uninsured, it can lead to higher car insurance rates.
To help our customers avoid a lapse in coverage and make payments on time, Jerry sends payment reminders to eligible customers when a payment is due or if they're late on their payments.
We've helped many customers in Lehigh Acres who are currently uninsured or have had a lapse in coverage find affordable insurance options.
Ryan (21 years old)
coverageCoverage
No Coverage
$111
per month
Grace (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carHyundai Palisade SE
$182
per month
Johanna (23 years old)
coverageCoverage
State Minimum
$249
per month
Mark (23 years old)
$280
per month

Cheap car insurance quotes in Lehigh Acres for drivers with poor credit

While your credit rating doesn't necessarily reflect your driving ability, insurance companies have found a correlation between lower credit scores and higher claim filings. Lehigh Acres drivers with poor credit scores tend to face higher car insurance costs than those with good credit scores. 
If you have a credit score of 550 or less, Jerry partners with companies that provide insurance to Lehigh Acres drivers with poor credit, taking the stress out of comparison shopping.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$221
Emily, 23
Zip: 33971
Nissan Altima S
• State Minimum Liability
• Comp / Collision
660 - 750
Bristol West
$132
Mae, 73
Zip: 33936
Ford Mustang GT
• No Coverage Liability
660 - 750
Infinity
$61
Mitchell, 73
Zip: 33936
Ford Mustang GT
• No Coverage Liability
550 - 659
Safeco
$200
Derek, 32
Zip: 33936
Toyota Camry L
• 50,000/100,000 Liability
• Comp / Collision
< 550
Mercury
$295
Genevieve, 27
Zip: 33971
Volkswagen Passat SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 30, 2023

How to lower car insurance costs in Lehigh Acres

1. Shop around and compare quotes

You can’t be 100% certain that you’ve found the best deal on auto insurance until you’ve compared it to the other products on the market. Experts recommend
shopping for car insurance quotes
from at least three different companies every six months.
Sounds like a huge chore—until you remember that Jerry makes the process lighting-fast! Get signed up in 45 seconds and compare five to seven quotes in less than a minute. It’s all the benefits of comparison shopping with none of the time commitment… and did we mention it’s free?

 2. Hunt for car insurance discounts

You can make an okay rate into a great one with the right
car insurance discount
. See if your provider offers a program for:
  • Good drivers. If you’ve held a
    clean driving record
    for at least three years, you’re due for some sweet discounts.
  • Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
  • Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
  • Bundling insurance products.
    Bundle your car and home insurance
    and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

People living in Lehigh Acres pay on average $160 per month – or $1,925 per year – on state-minimum liability coverage. Full coverage in Lehigh Acres costs on average $148 per month or $1,770 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
Based on thousands of Lehigh Acres drivers Jerry has worked with, car insurance in Lehigh Acrescosts an average of $160 per month for state-minimum coverage and $148 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Progressive, Arrowhead, and AmWINS receive good ratings from Lehigh Acres drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
The state-minimum car insurance in Lehigh Acres, Florida is $10,000 of personal injury protection coverage and $10,000 of property damage liability coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.