Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Fort Myers Shores, FL
We monitor insurance prices, helping the average driver in Fort Myers Shores save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Fort Myers Shores
The chart below shows the cheapest car insurance company in Fort Myers Shores 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.
| Fort Myers Shores Insurer | Monthly Cost |
|---|---|
| Geico | $119 |
| State Farm | $127 |
| Gainsco | $165 |
| Bristol West | $165 |
Savings for Every Kind of Fort Myers Shores Driver
Based on our extensive insurance data, we know the average Fort Myers Shores 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 $732 per year by choosing the right vehicle insurance company. Some Fort Myers Shores residents are paying out over $2,501 extra every year for auto insurance in Fort Myers Shores. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fort Myers Shores, FL Savings / Yr. |
|---|---|
$732 |
|
$1,075 |
|
$827 |
|
$818 |
|
$2,599 |
|
$710 |
|
$1,035 |
Fort Myers Shores Car Insurance vs. Florida
People living in Fort Myers Shores pay an average of 5.33% less than the typical driver in the state. The average driver in Fort Myers Shores can expect to pay about $2,284 per year, or $2,501 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Fort Myers Shores for most people.
Car Insurance Prices by Fort Myers Shores Neighborhood
Insurance Prices
Where is insurance cheapest within Fort Myers Shores?
The map shows insurance prices in and around Fort Myers Shores, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $207 per year within the city boundaries, with insurance premiums ranging from a high of $2,563 to a low of $2,356. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the North parts of Fort Myers Shores.Pick the Best Car Insurance Company for You in Fort Myers Shores
The best car insurance provider for most drivers in Fort Myers Shores
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $732 over the average Fort Myers Shores car insurance company.
The best car insurance provider for Fort Myers Shores 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 $1,075 over the competition.
The best car insurance company for Fort Myers Shores drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $827 better than other car insurance companies.
The best auto insurance for Fort Myers Shores drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $818 less each year.
The least expensive car insurance company for new and young drivers in Fort Myers Shores
In Fort Myers Shores, Geico costs young drivers $2,599 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fort Myers Shores
Geico gave the largest car insurance discounts to married couples, averaging $710 saved each year compared to an average Fort Myers Shores couple's premiums.
The cheapest car insurance in Fort Myers Shores for drivers with bad credit
The best Fort Myers Shores car insurance company for customer service
Allstate was the best company for customer service in Fort Myers Shores according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Fort Myers Shores, which was better than other insurers.
The cheapest large national provider in Fort Myers Shores
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Fort Myers Shores 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 Fort Myers Shores, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Fort Myers Shores
What Influences the Cost of Car Insurance in Fort Myers Shores?
On average, car insurance in Fort Myers Shores 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 Fort Myers Shores is 35 minutes, which is about the national 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 Fort Myers Shores are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Fort Myers Shores has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Fort Myers Shores is $190 per month for minimum coverage and $208 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
- Alva: Insurance costs 4.04% less
- Lehigh Acres: Insurance costs 12.08% more
- North Fort Myers: Insurance costs 1.92% less
- Cape Coral: Insurance costs 0.68% less
- Labelle: Insurance costs 0.52% less
- Port Labelle: Insurance costs 4.08% less
- Bokeelia: Insurance costs 5.80% less
- Pineland: Insurance costs 4.08% more
- Pioneer: Insurance costs 1.08% less
- Boca Grande: Insurance costs 0.84% more
Cities with Similar Populations
- Kingfisher: Insurance costs 33.91% less
- Jackson: Insurance costs 24.15% more
- Jamestown: Insurance costs 55.10% less
- Jasper: Insurance costs 47.10% less
- Jefferson: Insurance costs 56.14% less
- Johnsonville: Insurance costs 32.43% less
- Jones: Insurance costs 31.59% less
- Jonesboro: Insurance costs 15.91% more
- Judsonia: Insurance costs 33.67% less
- Kalifornsky: Insurance costs 44.78% less