Cheap Car Insurance in Fort Myers

Written by Xuyun Zeng and 1 other
Updated Oct 14, 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.

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:

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$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
Last Updated Oct. 15, 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.

Jerry finds quotes from 50 insurance partners fast.

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$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
Last Updated Oct. 15, 2025

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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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$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
Last Updated Oct. 15, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
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
Last Updated Oct. 15, 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.

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
Last Updated Oct. 15, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
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
Last Updated Oct. 15, 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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<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
Last Updated Oct. 15, 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
Monthly Quote
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 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
Last Updated Oct. 15, 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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
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
Last Updated Oct. 15, 2025

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.

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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.

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Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 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.
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