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Cheapest Car Insurance Rates in Fort Myers, florida

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Driving Conditions in Fort Myers, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

107Rainy Days a Year
54 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Fort Myers, florida Car Insurance Rates by Provider

There are many car insurance providers in Fort Myers, Florida to choose from, so it is important to compare rates and coverage options to find the best policy for you. The top providers in the area include Geico, Progressive, Allstate, State Farm, and USAA. Each company offers a variety of discounts and coverage options, so it's important to compare the rates and coverage to find the best fit for your needs. White Chip Insurance has established relationships with all these carriers so we can ensure you will receive the cheapest car insurance rate. Contact a White Chip Insurance agent today to get a free quote for cheap car insurance in Fort Myers, Florida.

ProviderAverage Annual Rate
State Farm$1,428
GEICO$1,752
Progressive$2,095
Allstate$2,340

Fort Myers, florida Car Insurance Rates by Age

Depending on the age of the driver, car insurance rates in Fort Myers can vary. On average, insurance companies require younger drivers to pay higher rates than older drivers due to age being considered a risk factor when qualifying for insurance rates. White Chip Insurance is committed to providing cheap insurance rates to all drivers, despite their age. If you are looking for cheap car insurance in Fort Myers, contact a White Chip Insurance agent today.

AgeAverage Annual Rate
16-19$5,352
20s$3,348
30s$2,244
40s$2,126
50s$1,805
60s$1,835
70s$2,064

Fort Myers, florida Car Insurance Rates by Gender and Marital Status

In Fort Myers, Florida, car insurance rates do not typically differ based on gender. This is because car insurance companies cannot use gender as a factor in their pricing models. Some states have laws that prohibit insurers from using gender as a factor when setting rates. However, in Fort Myers, Florida, female drivers pay slightly more than male drivers on average. Marital status can also affect car insurance rates. Married couples generally pay less for car insurance than single drivers because they are seen as more responsible and less likely to take risks behind the wheel. In Fort Myers, Florida, divorced or widowed drivers can expect to pay slightly higher rates than single or married drivers. White Chip Insurance will ensure to find you the cheapest rates no matter which category you fall into.

Gender and Marital StatusAverage Annual Rate
Married$2,592
Divorced$2,624
Widowed$2,611
Female$2,685
Male$2,624
Single$2,592

Fort Myers, florida Car Insurance Rates by Driving Record

For insurance companies, a driver’s driving record holds weight in the process of determining their car insurance rate. A clean driving record typically equals lower premiums. A faulty driving record typically causes the prices to spike. Drivers with a clean record may be offered discounts on their insurance, while drivers with a faulty record run the risk of being charged higher deductibles. Similarly, drivers with multiple traffic violations or DUI convictions may be charged significantly higher rates. On average, Fort Myers, Florida offers a rate of $1,620 per year for clean driving records, while the rate for a faulty driving record is around $3,845.

Driving RecordAverage Annual Rate
DUI/DWI$3,744
Reckless Driving$3,825
At-fault Accident (damages less than $1,000)$3,568
At-fault Accident (damages greater than $2,000)$3,568
Speeding Ticket (16-20mph over speed limit)$3,216

Fort Myers, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Fort Myers, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 570$5,038
580 - 669$3,245
670 - 739$2,325
740 - 799$2,105
800 - 850$1,895

Cheapest Area Codes in Fort Myers, florida

Some zip codes in Fort Myers, Florida are more expensive due to their proximity to desirable areas with better job prospects, educational opportunities, and access to amenities such as shopping, dining, and entertainment. Other factors that can contribute to higher prices in certain areas include the quality of schools and the safety of the neighborhood. The most expensive zip code in Fort Myers, Florida is 33907, with an average home value of $1,025,000. The least expensive zip code in Fort Myers, Florida is 33916, with an average home value of $251,738.

Most Expensive Fort Myers, florida zip Code

33908, 33912, 33916, 33917, 33918

Least Expensive Fort Myers, florida zip Code

33904, 33905, 33906, 33907, 33919

Local Amenities in Fort Myers, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Fort Myers, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institute, the average cost of car insurance in Florida is $2,309 per year, which is almost $1,000 more than the national average. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Fort Myers is $2,325. It is important to contact a White Chip Insurance agent to compare quotes from multiple insurers to ensure you get the cheapest car insurance rate possible.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, like hurricanes and floods, and also has a high rate of car theft. Also, Florida is a no fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. All of these factors result in an increase to all types of insurance in Florida.

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