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What You Should Know About Car Insurance in Fort Myers, Florida

Fort Myers — the seat of Lee County, Florida — is a popular tourist destination in the Sunshine State. For generations, notable figures like Thomas Edison and Henry Ford kept winter estates in the area. The city was named after the fort that had been built in the area shortly before the Civil War.

The city has several points of interest, from historic estates to the Calusa Nature Center and Planetarium. However, it is arguably best known for its proximity to the Gulf and nearby beaches. With an estimated 95,000 residents, it is the 25th most populous city in the state of Florida.

From cultural events to the beautiful weather, there are plenty of factors that keep people coming back to Fort Myers. With the influx of traffic comes the inevitable increase in vehicle collisions. When you buy an auto insurance policy from InsureOne, you can count on it to protect you from claims made by other drivers.

How Much Does Car Insurance Cost in Fort Myers, Florida?

The cost of Florida car insurance varies depending on a few factors, including your driving history or policy limits. In general, you can count on paying above the national average for an auto policy in the Sunshine State.

In Florida, drivers pay approximately $3,183 annually for full coverage auto, while minimum liability coverage runs around $1,128. The national average for full and minimum liability car insurance annual premiums are $2,014 and $622, respectively. At InsureOne, our expert agents can provide you with multiple quotes for liability insurance that fit your budget.

What Does It Mean If Florida Is a No-Fault State?

Florida is one of a handful of states in this country that have a no-fault insurance system. Under a no-fault system, drivers generally must file a claim with their own carrier after a wreck instead of pursuing a claim against the other driver. However, there are some exceptions that allow a person to step outside the no-fault system and file a lawsuit.

Car Insurance Rates Comparison by City in Florida

Below is a comparison of the average monthly premiums paid in various cities across Florida.

City	Full Coverage Insurance	Liability Insurance Coverage
Fort Myers	$309	$116
Miami	$300	$109
Orlando	$224	$82
Daytona Beach	$196	$69
Tallahassee	$187	$63

How Bundling Your Car and Homeowners Insurance Can Save You Money in Fort Myers

Bundling is when you combine two or more different types of policies from the same carrier. When you bundle, you stand to save on the overall cost of your insurance thanks to notable discounts offered by your carrier. At InsureOne, you could save as much as 25% on your total bill when you bundle your auto and home protection policies.

In addition to saving money on your auto or homeowners insurance policies, bundling also simplifies your life by giving you a single point of contact for all your needs.

The expert agents with InsureOne can help you comparison shop, providing you with the best policies before these discounts ever kick in.

What Types of Car Insurance Discounts Are Available in Fort Myers?

There are other ways to save money on your car policy outside of bundling your policies. InsureOne offers a wide range of discounts that can dramatically reduce your monthly premiums. Some popular options include the following:

• Good Student Discount
• Auto Pay Discount
• Low Mileage
• Safe Driver Discount
• Loyalty Discount
• Anti-Theft Discount

Notable Car Insurance Laws in Fort Myers

The laws in the state of Florida require motorists to have a minimum level of liability coverage. It also sets out consequences for drivers who do not comply with this requirement.

What Are the Mandatory Car Insurance Requirements in Fort Myers?

In Florida, drivers have to carry a minimum amount of auto coverage before they can register their vehicle. In addition to the liability coverage all states require, Florida also mandates personal injury protection — or PIP — coverage as part of its no-fault insurance system. Minimum coverage levels include the following:

• $10,000 for PIP coverage
• $10,000 for property damage liability

What Is the Penalty for Driving Without Insurance in Fort Myers?

The law is clear: It is illegal to drive without auto coverage in Florida. If you are convicted of doing so, the state can suspend your tags for as much as three years. You can also expect to pay hundreds of dollars in fees to reinstate them afterward.

Do Fort Myers-Specific Laws Play a Role in Determining Your Insurance Premiums?

Local ordinances do not play a role in determining what auto policy costs in Fort Myers, but there are plenty of other factors that do. Some examples include:

• Your age. One of the biggest factors in the cost of auto coverage is the age of the driver. Teenagers pay far more than most other motorists.
• Education level. The higher your education level, the lower your premiums are likely to be.
• Accident history. A history of prior vehicle collisions or tickets will increase your premiums.

Typical Driving Conditions in Fort Myers

It is hot throughout most of the year in Fort Myers, with balmy weather even in the winter months. In high heat, your vehicle can experience stress and wear that is not present in cooler temperatures. Florida is also known for extensive precipitation, with heavy rains greatly increasing the chance of an accident. There are also risks of property damage due to the presence of hurricanes and tropical storms.

How Many Car Accidents Happen in Fort Myers Per Year?

There were a total of 3,749 fatal vehicle accidents in Florida in 2021. Here is a comparison of annual Fort Myers fatal accidents to other cities in Florida:

City	Annual Average Number of Fatal Car Crashes
Fort Myers	24
Jacksonville	188
Tampa	87
Daytona Beach	25
Key West	2

How Many Uninsured/Underinsured Motorists Are in Florida?

Florida is known for having a high rate of uninsured and underinsured motorists. A driver is uninsured when they lack any coverage at all. They are underinsured when there is a policy in place, but the maximum coverage levels are inadequate. Roughly 20% of all drivers in Florida are either uninsured or underinsured.