Cheap Car Insurance in Fort Myers

Written by Xuyun Zeng and 1 other
Updated Jul 28, 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 $658 The General 40 July 14, 2025 Fort Myers, FL 33916
$60 $724 Embark General 48 July 9, 2025 Fort Myers, FL 33907
$64 $770 National General 26 April 13, 2025 Fort Myers, FL 33966
$65 $778 ROOT 42 June 21, 2025 Fort Myers, FL 33919
$67 $802 ROOT 64 June 16, 2025 Fort Myers, FL 33919
$68 $820 Bristol West 41 June 21, 2025 Fort Myers, FL 33903
$72 $868 ROOT 44 June 22, 2025 Fort Myers, FL 33907
$72 $868 National General 46 February 4, 2025 Fort Myers, FL 33916
$73 $874 National General 78 March 29, 2025 Fort Myers, FL 33908
$74 $887 The General 37 June 16, 2025 Fort Myers, FL 33916
Last Updated Jul 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.

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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
$58 $696 Progressive 48 July 9, 2025 Fort Myers, FL 33907
$75 $902 ROOT 57 July 6, 2025 Fort Myers, FL 33907
$97 $1,166 Progressive 43 June 21, 2025 Fort Myers, FL 33913
$99 $1,184 Progressive 46 February 11, 2025 Fort Myers, FL 33908
$111 $1,332 National General 30 February 28, 2025 Fort Myers, FL 33907
$113 $1,352 Geico 51 April 27, 2025 Fort Myers, FL 33905
$114 $1,372 Progressive 48 May 5, 2025 Fort Myers, FL 33916
$115 $1,382 National General 44 June 26, 2025 Fort Myers, FL 33908
$116 $1,396 National General 40 June 18, 2025 Fort Myers, FL 33907
$122 $1,468 Bristol West 46 July 22, 2025 Fort Myers, FL 33901
Last Updated Jul 24, 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
$77 $924 Dairyland 24 No June 29, 2025 Fort Myers, FL 33907
$78 $930 Safeco 26 No March 4, 2025 Fort Myers, FL 33966
$81 $966 Assurance America 26 No July 6, 2025 Fort Myers, FL 33905
$87 $1,046 National General 22 No March 15, 2025 Fort Myers, FL 33916
$96 $1,152 Bristol West 21 No March 6, 2025 Fort Myers, FL 33916
Last Updated Jul 24, 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
$55 $658 The General 40 No July 14, 2025 Fort Myers, FL 33916
$60 $724 Embark General 48 No July 9, 2025 Fort Myers, FL 33907
$68 $820 Bristol West 41 No June 21, 2025 Fort Myers, FL 33903
$70 $844 Progressive 44 No June 26, 2025 Fort Myers, FL 33901
$70 $844 Safeco 42 No June 17, 2025 Fort Myers, FL 33967
Last Updated Jul 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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$73 $874 National General 78 March 29, 2025 Fort Myers, FL 33908 No
$74 $890 Embark General 57 July 6, 2025 Fort Myers, FL 33907 No
$81 $974 Assurance America 56 July 15, 2025 Fort Myers, FL 33901 No
$92 $1,104 Embark General 62 February 11, 2025 Fort Myers, FL 33901 No
$104 $1,250 Geico 58 March 1, 2025 Fort Myers, FL 33966 No
Last Updated Jul 24, 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 $658 The General 40 July 14, 2025 No Fort Myers, FL 33916
$60 $724 Embark General 48 July 9, 2025 No Fort Myers, FL 33907
$68 $820 Bristol West 41 June 21, 2025 No Fort Myers, FL 33903
$70 $844 Progressive 44 June 26, 2025 No Fort Myers, FL 33901
$70 $844 Safeco 42 June 17, 2025 No Fort Myers, FL 33967
$72 $868 National General 46 February 4, 2025 No Fort Myers, FL 33916
$72 $868 ROOT 44 June 22, 2025 No Fort Myers, FL 33907
$73 $874 National General 78 March 29, 2025 No Fort Myers, FL 33908
$74 $887 The General 37 June 16, 2025 No Fort Myers, FL 33916
$74 $890 Embark General 57 July 6, 2025 No Fort Myers, FL 33907
Last Updated Jul 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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $82 $984 Bristol West 57 April 8, 2025 Fort Myers, FL 33901
<550 $82 $986 Gainsco 27 July 5, 2025 Fort Myers, FL 33966
<550 $87 $1,040 Gainsco 35 March 19, 2025 Fort Myers, FL 33967
<550 $112 $1,340 National General 36 September 25, 2024 Fort Myers, FL 33907
<550 $122 $1,458 Assurance America 57 June 3, 2024 Fort Myers, FL 33919
Last Updated Jul 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
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $68 $810 Gainsco 65 No July 1, 2024 Fort Myers, FL 33919
At Fault With No Injury $85 $1,022 Bristol West 74 No March 31, 2024 Fort Myers, FL 33919
At Fault With Injury $91 $1,090 National General 29 No September 13, 2024 Fort Myers, FL 33967
At Fault With No Injury $96 $1,157 National General 27 No January 21, 2025 Fort Myers, FL 33912
At Fault With No Injury $103 $1,238 Bristol West 68 No October 14, 2024 Fort Myers, FL 33912
Last Updated Jul 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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $106 $1,266 National General 31 July 17, 2024 Fort Myers, FL 33967
Speeding under 15 $167 $2,002 Embark General 24 April 24, 2025 Fort Myers, FL 33905
Speeding over 15 $178 $2,138 National General 22 November 15, 2024 Fort Myers, FL 33916
Speeding over 15 $192 $2,300 Bristol West 47 August 21, 2024 Fort Myers, FL 33967
Speeding under 15 $211 $2,537 Assurance America 34 August 22, 2024 Fort Myers, FL 33905
Last Updated Jul 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 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 $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.