Vast Net WorthThe average annual premium for full-coverage car insurance Fort Myers FL is $2,483, which is $311 less than the state average of $2,794.
Car Insurance Fort Myers FL is higher than the national average, owing to the state’s larger percentage of uninsured drivers, which can contribute to higher premiums for everyone.
The easiest method to save money on vehicle insurance in Fort Myers is to compare prices from leading insurers.
Car Insurance Fort Myers FL Key Takeaways
For full coverage vehicle insurance, State Farm has the lowest average rates in Fort Myers, at $1,434 per year.
Mercury Insurance offers the highest average price for full-coverage vehicle insurance, at $2,553 per year.
The state of Florida requires a minimum liability insurance policy of $10,000 per person / $20,000 per person in bodily injury liability and $10,000 in property damage liability.
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3. Car Insurance Fort Myers FL
1. Progressive
Progressive, one of the country’s leading auto insurance providers, insures over 18 million drivers.
Customers receive policy alternatives, 24-hour support, and access to several savings opportunities.
Vehicle owners in Fort Myers can get personalized quotations in as little as six minutes. Customers in Fort Myers praise the quick claims procedure and reasonable prices.
2. Liberty Mutual
Liberty Mutual auto insurance includes a 12-month rate guarantee, 24-hour customer support, and a lifetime warranty on all repairs.
With the Liberty Mutual Deductible Fund, the company also contributes to your deductible.
There are numerous discounts available, including quick savings when ordering online. Locals like how easy it is to receive a quote and how clear the terms are to grasp.
3. The General
For nearly 50 years, The General has provided vehicle insurance to drivers all around the United States.
Even if you have a history of traffic tickets or accidents, the company will almost certainly insure you.
Customers can pay in simple monthly payments and contact quality-focused claims personnel. Customers appreciate that the organization protects high-risk drivers and provides low rates.
4. Wilcox Family Insurance
Wilcox Family Insurance Company employees are educated to listen to their Fort Myers consumers and provide unique answers to their insurance needs. Over the phone, quotes are available in minutes.
Customers consistently give the independent agency five-star ratings for efficient and dedicated service. The Better Business Bureau has given Wilcox Family Insurance an A+ rating.
5. Baker Insurance Group
Baker Insurance Group, which specializes in auto, boat, and motorcycle insurance, has been serving Fort Myers and neighboring Lee County consumers since 2003.
The company is a great choice for every type of driver. Quotes are provided for free, and policy fees are reasonable.
Many customers suggest the business to their friends and relatives. The Better Business Bureau has given Bakers Insurance Group an A+ rating.
Car insurance quotes in Fort Myers by rating factors
Is auto insurance determined at random? No, despite appearances. Here are the five things that influence your Fort Myers vehicle insurance rates:
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Driving history and insurance claims: Your insurance prices may rise if you have a history of car accidents and traffic fines.
- Vehicle location: Certain ZIP codes have higher charges.
- Type of vehicle: Sports automobiles, luxury vehicles, and high-performance vehicles have higher rates of collision and comprehensive coverage.
- Usage: If you drive your car for work regularly, your annual premium may be greater than if you use it only infrequently for pleasure.
- Credit score: Drivers with good credit often pay lower insurance premiums for the same coverage than those with bad credit.
FAQS
What is the Fort Myers, FL minimum liability coverage requirement?
In Florida, the minimum insurance coverage required is $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).
Florida drivers also need carry bodily injury liability coverage of $10,000/$20,000 per person/per occurrence, however, policyholders can decline this coverage if they so desire.
Florida is a fault-free state. This means that your ability to sue an at-fault driver after a collision is limited.
No-fault insurance can cover up to 80% of injury-related costs and 60% of lost wages. It excludes damaged property.
- $10,000; bodily injury coverage per person; maximum payment for a single individual’s serious or permanent disability or death.
- Bodily injury coverage of $10,000 per accident; maximum payment for multiple people who suffer serious or permanent harm or death
- Property damage per accident: $10,000 Maximum payment for any property damaged in an accident caused by you
Although you are not legally compelled to carry full coverage insurance in Florida, most lenders need it. They may also require supplementary insurance coverage. Consider this while determining the cost of your auto loan.
What is the legal limit for Blood Alcohol Concentration (BAC) in Fort Myers, FL?
Individuals with the following BAC percentages are not permitted to operate a motor vehicle in Florida:
- .08%+ at 21 years old or older
- .04%+ for commercial vehicle drivers
- .02%+ at under 21 years old
Impaired normal faculties are also evidence of DUI. The Florida DUI and Administrative Suspension Statutes on the Florida Department of Highway Safety and Motor Vehicles website provide further information about Florida’s DUI statutes.
What are the ramifications of a DUI conviction?
The penalties for a DUI in Florida vary depending on your previous convictions, blood alcohol level, and whether you were carrying a minor at the time of your arrest.
You will face a fine, community service, and probation at the very least. You may potentially face jail time at the discretion of the judge.
Furthermore, the long-term financial consequences could be disastrous. Higher insurance rates, attorney fees, court charges, vehicle impoundment, obligatory installation of an ignition interlock device, and other costs may be incurred.
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