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Get Cheap Car Insurance in Estero, FL
We monitor insurance prices, helping the average driver in Estero save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Estero
The chart below shows the cheapest car insurance company in Estero for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Estero Insurer | Monthly Cost |
|---|---|
| Geico | $115 |
| State Farm | $122 |
| Gainsco | $159 |
| Bristol West | $159 |
Savings for Every Kind of Estero Driver
Based on our extensive insurance data, we know the average Estero driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $706 per year by choosing the right vehicle insurance company. Some Estero residents are paying out over $2,413 extra every year for auto insurance in Estero. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Estero, FL Savings / Yr. |
|---|---|
$706 |
|
$1,037 |
|
$797 |
|
$789 |
|
$2,507 |
|
$685 |
|
$998 |
Estero Car Insurance vs. Florida
People living in Estero pay an average of 8.68% less than the typical driver in the state. The average driver in Estero can expect to pay about $2,203 per year, or $2,413 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Estero for most people.
Car Insurance Prices by Estero Neighborhood
Insurance Prices
Where is insurance cheapest within Estero?
The map shows insurance prices in and around Estero, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $315 per year within the city boundaries, with insurance premiums ranging from a high of $2,551 to a low of $2,236. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Central parts of Estero.Pick the Best Car Insurance Company for You in Estero
The best car insurance provider for most drivers in Estero
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $706 over the average Estero car insurance company.
The best car insurance provider for Estero drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,037 over the competition.
The best car insurance company for Estero drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $797 better than other car insurance companies.
The best auto insurance for Estero drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $789 less each year.
The least expensive car insurance company for new and young drivers in Estero
In Estero, Geico costs young drivers $2,507 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Estero
Geico gave the largest car insurance discounts to married couples, averaging $685 saved each year compared to an average Estero couple's premiums.
The cheapest car insurance in Estero for drivers with bad credit
The best Estero car insurance company for customer service
Recent price drops
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The cheapest large national provider in Estero
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Estero driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Estero, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Estero
What Influences the Cost of Car Insurance in Estero?
On average, car insurance in Estero is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Estero is 32 minutes, which is a little less than average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Estero are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Estero has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Estero is $184 per month for minimum coverage and $201 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- San Carlos Park: Insurance costs 5.47% more
- Coconut: Insurance costs 3.98% less
- Bonita Springs: Insurance costs 1.24% more
- Fort Myers Beach: Insurance costs 2.53% more
- Villas: Insurance costs 2.53% more
- Cypress Lake: Insurance costs 0.17% less
- Gateway: Insurance costs 3.56% more
- Fort Myers: Insurance costs 4.89% more
- McGregor: Insurance costs 0.62% less
- Whiskey Creek: Insurance costs 2.86% less
Cities with Similar Populations
- Milledgeville: Insurance costs 25.86% less
- Ringgold: Insurance costs 28.43% less
- Portage: Insurance costs 47.82% less
- Oswego: Insurance costs 36.72% less
- Orangeburg: Insurance costs 27.64% less
- Old Bridge: Insurance costs 21.67% less
- Ocean Springs: Insurance costs 29.01% less
- New Smyrna Beach: Insurance costs 0.54% more
- Mount Pleasant: Insurance costs 12.60% more
- Rome: Insurance costs 8.41% less