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Best Car Insurance Companies in Fort Myers, FL

Aug. 26, 2019, 9:49 p.m.

Car insurance in Fort Myers protects drivers from financial losses due to vehicle-related injury and property damage. In Florida it is against the law to operate a motor vehicle without insurance. When choosing a policy, you should consider features like coverage types and amounts, available discounts and claims service. To help get you covered, our partners at ConsumerAffairs researched the best car insurance in Fort Myers.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. Fox 4 Now may receive compensation from our partners. Learn more.

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#1
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  • Quotes from local agents and top car insurance companies
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#2
Progressive
Progressive
Features
  • Discounts available
  • Bundle plans & save
  • Mobile app
  • Snapshot driving tool
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#3
Liberty Mutual
Liberty Mutual
Features
  • 24/7 claims online
  • Trusted for over 100 years
  • Discount for online purchase
  • Save up to 30% for good driving
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#4
The General
The General
Features
  • Accepts drivers with a poor driving history
  • Low down payments
  • "A" rating by A.M. Best
  • Affiliate of American Family Insurance
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#5
Wilcox Family Insurance
Wilcox Family Insurance
Features
  • Great customer service
  • Bodily injury coverage
  • BBB accredited
  • Multiple types of policies
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Location
3707 Cleveland Ave.
Fort Myers, FL 33901
(239) 337-7755
#6
Baker Insurance Group
Baker Insurance Group
Features
  • Accept customers with bad credit
  • Offer body injury liability
  • Serves Lee & Collier County
  • Affordable policies
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Location
3252 Cleveland Ave.
Fort Myers, FL 33901
(239) 337-5551
Fiesta Auto Insurance
Fiesta Auto Insurance
Features
  • M-F: 9am - 7pm
  • Sat and Sun: 10am - 4pm
  • fiestainsurance.com
Location
12575 S. Cleveland Ave., Ste. 2
Fort Myers, FL 33907
(239) 313-6560
Mr. Auto insurance
Mr. Auto insurance
Features
  • M-F: 9am - 5:30pm
  • Sat: 9am - 1pm
  • Closed Sun
  • mrautoinsurancefortmyers.com
Location
4120 Cleveland Ave., Ste. B
Fort Myers, FL 33901
(239) 656-4444
Best Insurance Inc.
Best Insurance Inc.
Features
  • M-Sat: 9am - 6pm
  • Sun: 9am - 5pm
  • bestinsuranceinc.net
Location
4392 Palm Beach Blvd.
Fort Myers, FL 33905
(239) 694-6357
Direct Auto & Life Insurance
Direct Auto & Life Insurance
Features
  • M-F: 9am - 5:30pm
  • Sat: 10am - 3 pm
  • Closed Sun
  • local.directgeneral.com/florida/fort-myers
Location
5100 S. Cleveland Ave., Ste. 317
Fort Myers, FL 33907
(239) 418-0199
Edison Insurance Group
Edison Insurance Group
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • edisonins.com
Location
3835 Palm Beach Blvd.
Fort Myers, FL 33916
(239) 693-0400
The Thompson Agency
The Thompson Agency
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • thompsoninsurancefl.com
Location
2132 McGregor Blvd.
Fort Myers, FL 33901
(239) 689-8570

How to Choose a Car Insurance Company in Fort Myers

Fort Myers skyline

If you own a registered vehicle in Florida, you need car insurance. There are two types of coverage legally required here.

Coverage Amount Whom/what it covers
Personal injury protection (PIP) $10,000 You and members of your household, regardless of fault, if injured in a vehicle crash
Property damage liability (PDL) $10,000 Damages you or members of your family cause to other people’s property in a motor vehicle crash

Remember, these are only minimum coverages and coverage amounts. Many drivers get higher amounts of coverage and/or add on other types of insurance, including:

  • Bodily injury liability (BIL) insurance, which pays for serious and permanent injury or death to others as a result of a crash that’s your fault, and pays for your legal defenses (this coverage is required for specific drivers by the Florida Financial Responsibility Law)
  • Uninsured motorist (UM) insurance, which provides coverage if you are involved in a crash with a driver who has no or insufficient liability insurance, or with a hit-and-run driver; Florida has one of the highest rates of uninsured drivers in the U.S.

Auto insurance in Fort Myers is paid in regular payments, or an annual premium, to the insurance provider. When you are involved in an accident, the insurance company will usually require a contribution from the policyholder, called a deductible, before the coverage kicks in.

How much is car insurance in Fort Myers?

Florida ranks among the most expensive states in the U.S. for car insurance. Depending on where you live in Lee County, the average premium is between $1,500 to $1,700. Vehicle owners in Tice, Buckingham and Fort Myers Shores pay the most, while drivers in Fort Myers Beach and Sanibel Island pay the least.

Besides where you live, other factors determine what you pay for car insurance in Fort Myers:

  • Amount of coverage and the deductible
  • Type of vehicle
  • Driving record
  • Credit history
  • Age, gender and marital status

Most car insurance companies in Fort Myers offer various types of discounts to drivers. If you purchase your policy online, pay in full, raise the deductible, bundle with a home or renters policy, increase your credit score or drive an older car, you’ll probably spend less. Make sure to ask about savings and any other questions as you carefully read the contract.

Progressive

Progressive

Progressive, one of the largest auto insurance companies in the country, insures more than 18 million drivers. Customers get policy options, 24/7 service and access to plenty of savings opportunities. Personalized quotes are available to Fort Myers vehicle owners in just six minutes. Fort Myers customers comment on the fast claims process and low rates.

Liberty Mutual

Liberty Mutual

Liberty Mutual auto insurance comes standard with a 12-month rate guarantee, 24/7 customer service and a lifetime promise on all repairs. The company also helps contribute toward your deductible with the Liberty Mutual Deductible Fund. Multiple discounts are available, including instant savings for purchasing online. Locals appreciate how simple it is to get a quote and how easy to understand the policies are.

The General

The General

The General has been providing car insurance for drivers around the U.S. for over 50 years. Get a free quote: Even if you have a history of driving violations or accidents, the company is likely to cover you. Customers can pay in convenient, monthly installments and communicate with quality-focused staff for claims handling. Reviewers like that the company covers high-risk drivers and offers competitive pricing.

Wilcox Family Insurance

Wilcox Family Insurance

Wilcox Family Insurance Company staff are trained to listen to Fort Myers customers and come up with personalized solutions for their coverage needs. Quotes are available in just minutes over the phone. Customers give the independent agency many five-star reviews for efficient and dedicated service. Wilcox Family Insurance has an A+ rating from the Better Business Bureau.

Baker Insurance Group

Baker Insurance Group

Baker Insurance Group, which focuses exclusively on insurance coverage for autos, boats and motorcycles, has been working with Fort Myers and other Lee County customers since 2003. The company is an excellent option for any type of driver. Free quotes are available, and policy prices are affordable. Many clients recommend the company to friends and family. Bakers Insurance Group has an A+ rating with the Better Business Bureau.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.