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.
More: Best car insurance in Florida
Cheapest minimum coverage insurance in Fort Myers
Here are the cheapest minimum coverage quotes for drivers in Fort Myers:
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $55 | $660 | National General | 70 | 09/12/25 | Fort Myers, FL | 33905 |
| $56 | $676 | ROOT | 39 | 09/05/25 | Fort Myers, FL | 33913 |
| $58 | $692 | Embark General | 58 | 08/01/25 | Fort Myers, FL | 33905 |
| $60 | $724 | Assurance America | 45 | 06/26/25 | Fort Myers, FL | 33916 |
| $61 | $736 | Bristol West | 57 | 07/06/25 | Fort Myers, FL | 33907 |
| $63 | $754 | Bristol West | 40 | 06/20/25 | Fort Myers, FL | 33905 |
| $64 | $764 | Bristol West | 62 | 09/16/25 | Fort Myers, FL | 33916 |
| $64 | $772 | ROOT | 32 | 06/20/25 | Fort Myers, FL | 33966 |
| $66 | $786 | Embark General | 53 | 08/05/25 | Fort Myers, FL | 33901 |
| $66 | $790 | Bristol West | 48 | 07/09/25 | Fort Myers, FL | 33907 |
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
More: Cheapest car insurance in Florida
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $69 | $822 | ROOT | 36 | 09/03/25 | Fort Myers, FL | 33912 |
| $76 | $906 | Geico | 78 | 05/13/25 | Fort Myers, FL | 33908 |
| $87 | $1,042 | Progressive | 42 | 06/21/25 | Fort Myers, FL | 33913 |
| $90 | $1,076 | National General | 40 | 06/20/25 | Fort Myers, FL | 33916 |
| $99 | $1,192 | Bristol West | 57 | 07/06/25 | Fort Myers, FL | 33907 |
| $104 | $1,250 | Gainsco | 37 | 06/16/25 | Fort Myers, FL | 33919 |
| $107 | $1,282 | Bristol West | 42 | 06/21/25 | Fort Myers, FL | 33901 |
| $110 | $1,320 | Progressive | 42 | 08/17/25 | Fort Myers, FL | 33905 |
| $112 | $1,338 | Embark General | 37 | 06/13/25 | Fort Myers, FL | 33916 |
| $113 | $1,354 | National General | 38 | 08/04/25 | Fort Myers, FL | 33916 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $71 | $854 | Bristol West | 25 | No | 09/05/25 | Fort Myers, FL | 33912 |
| $79 | $948 | Dairyland | 29 | No | 09/06/25 | Fort Myers, FL | 33907 |
| $79 | $948 | National General | 27 | No | 08/29/25 | Fort Myers, FL | 33919 |
| $96 | $1,150 | Embark General | 21 | No | 07/09/25 | Fort Myers, FL | 33967 |
| $99 | $1,185 | The General | 24 | No | 06/29/25 | Fort Myers, FL | 33907 |
| $104 | $1,250 | Gainsco | 37 | 06/16/25 | Fort Myers, FL | 33919 | |
| $107 | $1,282 | Bristol West | 42 | 06/21/25 | Fort Myers, FL | 33901 | |
| $110 | $1,320 | Progressive | 42 | 08/17/25 | Fort Myers, FL | 33905 | |
| $112 | $1,338 | Embark General | 37 | 06/13/25 | Fort Myers, FL | 33916 | |
| $113 | $1,354 | National General | 38 | 08/04/25 | Fort Myers, FL | 33916 |
More: Get cheap car insurance the smart way, today
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
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Date of Quote
|
City, State
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ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
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Age
|
Has Full Coverage
|
Date of Quote
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City, State
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ZIP Code
|
|---|---|---|---|---|---|---|---|
| $60 | $724 | Assurance America | 45 | No | 06/26/25 | Fort Myers, FL | 33916 |
| $64 | $764 | Geico | 39 | No | 05/14/25 | Fort Myers, FL | 33907 |
| $64 | $772 | ROOT | 32 | No | 06/20/25 | Fort Myers, FL | 33966 |
| $66 | $786 | Embark General | 53 | No | 08/05/25 | Fort Myers, FL | 33901 |
| $68 | $814 | National General | 41 | No | 06/21/25 | Fort Myers, FL | 33903 |
| $104 | $1,250 | Gainsco | 37 | 06/16/25 | Fort Myers, FL | 33919 | |
| $107 | $1,282 | Bristol West | 42 | 06/21/25 | Fort Myers, FL | 33901 | |
| $110 | $1,320 | Progressive | 42 | 08/17/25 | Fort Myers, FL | 33905 | |
| $112 | $1,338 | Embark General | 37 | 06/13/25 | Fort Myers, FL | 33916 | |
| $113 | $1,354 | National General | 38 | 08/04/25 | Fort Myers, FL | 33916 |
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Date of Quote
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City, State
|
ZIP Code
|
Has Full Coverage
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $55 | $660 | National General | 70 | 09/12/25 | Fort Myers, FL | 33905 | No |
| $58 | $692 | Embark General | 58 | 08/01/25 | Fort Myers, FL | 33905 | No |
| $61 | $736 | Bristol West | 57 | 07/06/25 | Fort Myers, FL | 33907 | No |
| $67 | $800 | ROOT | 60 | 09/10/25 | Fort Myers, FL | 33908 | No |
| $96 | $1,150 | ROOT | 55 | 05/03/25 | Fort Myers, FL | 33967 | No |
| $104 | $1,250 | Gainsco | 37 | 06/16/25 | Fort Myers, FL | 33919 | |
| $107 | $1,282 | Bristol West | 42 | 06/21/25 | Fort Myers, FL | 33901 | |
| $110 | $1,320 | Progressive | 42 | 08/17/25 | Fort Myers, FL | 33905 | |
| $112 | $1,338 | Embark General | 37 | 06/13/25 | Fort Myers, FL | 33916 | |
| $113 | $1,354 | National General | 38 | 08/04/25 | Fort Myers, FL | 33916 |
More: Best car insurance for seniors
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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Has Full Coverage
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City, State
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ZIP Code
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|---|
|
Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
|
Has Full Coverage
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City, State
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ZIP Code
|
|---|---|---|---|---|---|---|---|
| $55 | $660 | National General | 70 | 09/12/25 | No | Fort Myers, FL | 33905 |
| $58 | $692 | Embark General | 58 | 08/01/25 | No | Fort Myers, FL | 33905 |
| $60 | $724 | Assurance America | 45 | 06/26/25 | No | Fort Myers, FL | 33916 |
| $61 | $736 | Bristol West | 57 | 07/06/25 | No | Fort Myers, FL | 33907 |
| $64 | $764 | Geico | 39 | 05/14/25 | No | Fort Myers, FL | 33907 |
| $64 | $772 | ROOT | 32 | 06/20/25 | No | Fort Myers, FL | 33966 |
| $66 | $786 | Embark General | 53 | 08/05/25 | No | Fort Myers, FL | 33901 |
| $67 | $800 | ROOT | 60 | 09/10/25 | No | Fort Myers, FL | 33908 |
| $68 | $814 | National General | 41 | 06/21/25 | No | Fort Myers, FL | 33903 |
| $69 | $822 | ROOT | 36 | 09/03/25 | Yes | Fort Myers, FL | 33912 |
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.
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Policy
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City, State
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ZIP Code
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|---|
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| <550 | $82 | $986 | Gainsco | 27 | 07/05/25 | Fort Myers, FL | 33966 |
| <550 | $97 | $1,166 | ROOT | 27 | 08/29/25 | Fort Myers, FL | 33919 |
| <550 | $103 | $1,234 | Bristol West | 42 | 09/05/25 | Fort Myers, FL | 33901 |
| <550 | $104 | $1,246 | Bristol West | 44 | 06/13/25 | Fort Myers, FL | 33901 |
| <550 | $111 | $1,330 | Progressive | 35 | 03/19/25 | Fort Myers, FL | 33967 |
| $64 | $772 | ROOT | 32 | Fort Myers, FL | 33966 | ||
| $66 | $786 | Embark General | 53 | Fort Myers, FL | 33901 | ||
| $67 | $800 | ROOT | 60 | Fort Myers, FL | 33908 | ||
| $68 | $814 | National General | 41 | Fort Myers, FL | 33903 | ||
| $69 | $822 | ROOT | 36 | Fort Myers, FL | 33912 |
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.
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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|---|
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $67 | $804 | Progressive | 66 | Yes | 05/11/24 | Fort Myers, FL | 33919 |
| At Fault With No Injury | $82 | $986 | Progressive | 33 | No | 12/21/24 | Fort Myers, FL | 33907 |
| At Fault With No Injury | $88 | $1,061 | Assurance America | 65 | No | 07/01/24 | Fort Myers, FL | 33919 |
| At Fault With Injury | $91 | $1,090 | National General | 29 | No | 09/13/24 | Fort Myers, FL | 33967 |
| At Fault With No Injury | $96 | $1,157 | National General | 27 | No | 01/21/25 | Fort Myers, FL | 33912 |
| $64 | $772 | ROOT | 32 | No | Fort Myers, FL | 33966 | ||
| $66 | $786 | Embark General | 53 | No | Fort Myers, FL | 33901 | ||
| $67 | $800 | ROOT | 60 | No | Fort Myers, FL | 33908 | ||
| $68 | $814 | National General | 41 | No | Fort Myers, FL | 33903 | ||
| $69 | $822 | ROOT | 36 | Yes | Fort Myers, FL | 33912 |
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.
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Violation Summary
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
|
Violation Summary
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| Speeding under 15 | $135 | $1,616 | First Acceptance | 28 | 10/03/25 | Fort Myers, FL | 33912 |
| Speeding over 15 | $144 | $1,724 | Bristol West | 36 | 09/20/25 | Fort Myers, FL | 33905 |
| Speeding over 15 | $162 | $1,938 | Safeco | 33 | 06/24/25 | Fort Myers, FL | 33912 |
| Speeding under 15 | $162 | $1,938 | Assurance America | 22 | 07/22/25 | Fort Myers, FL | 33916 |
| Speeding under 15 | $179 | $2,143 | The General | 25 | 06/21/25 | Fort Myers, FL | 33916 |
| $64 | $772 | ROOT | 32 | 06/20/25 | Fort Myers, FL | 33966 | |
| $66 | $786 | Embark General | 53 | 08/05/25 | Fort Myers, FL | 33901 | |
| $67 | $800 | ROOT | 60 | 09/10/25 | Fort Myers, FL | 33908 | |
| $68 | $814 | National General | 41 | 06/21/25 | Fort Myers, FL | 33903 | |
| $69 | $822 | ROOT | 36 | 09/03/25 | Fort Myers, FL | 33912 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
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.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
