Best Estero, Florida Auto Insurance in 2024
The average Estero, FL auto insurance rates are $327 per month. The minimum auto insurance in Estero is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Estero, Florida, compare quotes from multiple companies.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Estero is 25.6 minutes
- The most expensive auto insurance company in Estero for teen drivers is Allstate
- The minimum auto insurance required in Estero, Florida is 10/20/10
Estero, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Estero can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Estero, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Estero to other Florida cities, including Fort Lauderdale auto insurance rates, St. Petersburg auto insurance rates, and Miami auto insurance rates to see how Estero, Florida auto insurance rates stack up.
Before you buy Estero, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Estero, Florida auto insurance quotes.
Minimum Auto Insurance in Estero, Florida
Estero, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Estero, Florida.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Estero, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Estero, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,808 | $3,597 | $3,295 | $3,326 | $12,934 | $13,883 | $3,741 | $3,764 |
| Geico | $2,483 | $2,498 | $2,322 | $2,322 | $4,442 | $5,614 | $2,740 | $2,795 |
| Liberty Mutual | $3,207 | $3,207 | $2,943 | $2,943 | $6,704 | $10,293 | $3,207 | $4,326 |
| Nationwide | $2,591 | $2,553 | $2,312 | $2,392 | $6,176 | $7,581 | $2,846 | $2,953 |
| Progressive | $3,447 | $3,258 | $2,968 | $3,177 | $9,756 | $10,683 | $4,162 | $4,005 |
| State Farm | $1,495 | $1,495 | $1,362 | $1,362 | $4,315 | $5,500 | $1,653 | $1,779 |
| USAA | $1,403 | $1,378 | $1,313 | $1,301 | $4,844 | $5,619 | $1,753 | $1,891 |
Cheap Estero, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Estero, Florida is a challenge. Take a look at the annual teen auto insurance rates in Estero, Florida.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,934 | $13,883 |
| Geico | $4,442 | $5,614 |
| Liberty Mutual | $6,704 | $10,293 |
| Nationwide | $6,176 | $7,581 |
| Progressive | $9,756 | $10,683 |
| State Farm | $4,315 | $5,500 |
| USAA | $4,844 | $5,619 |
Cheap Estero, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Estero, Florida? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,295 | $3,326 |
| Geico | $2,322 | $2,322 |
| Liberty Mutual | $2,943 | $2,943 |
| Nationwide | $2,312 | $2,392 |
| Progressive | $2,968 | $3,177 |
| State Farm | $1,362 | $1,362 |
| USAA | $1,313 | $1,301 |
Cheap Estero, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Estero, Florida compared to the annual auto insurance rates with a clean record in Estero, Florida.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,211 | $6,256 | $6,925 | $5,782 |
| Geico | $2,208 | $2,811 | $4,164 | $3,426 |
| Liberty Mutual | $3,329 | $4,312 | $6,241 | $4,533 |
| Nationwide | $3,140 | $3,446 | $4,631 | $3,485 |
| Progressive | $4,089 | $6,055 | $5,091 | $5,492 |
| State Farm | $2,170 | $2,570 | $2,370 | $2,370 |
| USAA | $1,904 | $2,356 | $3,494 | $1,997 |
Cheap Estero, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Estero, Florida is not easy. Compare the annual rates for DUI auto insurance in Estero, Florida to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,925 |
| Geico | $4,164 |
| Liberty Mutual | $6,241 |
| Nationwide | $4,631 |
| Progressive | $5,091 |
| State Farm | $2,370 |
| USAA | $3,494 |
Cheap Estero, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Estero, Florida annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,446 | $5,349 | $4,336 |
| Geico | $4,576 | $2,782 | $2,098 |
| Liberty Mutual | $5,914 | $4,355 | $3,542 |
| Nationwide | $4,608 | $3,373 | $3,046 |
| Progressive | $6,743 | $4,797 | $4,006 |
| State Farm | $3,227 | $2,130 | $1,753 |
| USAA | $3,952 | $1,945 | $1,417 |
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Cheap Estero, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Estero, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Estero, Florida to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 33928 | $3,036 |
Cheap Estero, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Estero, Florida auto insurance. Find the cheapest annual Estero, Florida auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,875 | $6,212 |
| Geico | $3,136 | $3,168 |
| Liberty Mutual | $4,457 | $4,751 |
| Nationwide | $3,676 | $3,676 |
| Progressive | $5,182 | $5,182 |
| State Farm | $2,292 | $2,448 |
| USAA | $2,411 | $2,465 |
Cheap Estero, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Estero, Florida? Check out the comparison of annual Estero, Florida auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,848 | $6,315 | $6,967 |
| Geico | $2,627 | $3,258 | $3,571 |
| Liberty Mutual | $4,236 | $4,670 | $4,905 |
| Nationwide | $2,962 | $3,810 | $4,255 |
| Progressive | $4,368 | $5,299 | $5,880 |
| State Farm | $2,034 | $2,424 | $2,653 |
| USAA | $2,098 | $2,527 | $2,688 |
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Best By Category: Cheapest Auto Insurance in Estero, Florida
Compare the cheapest auto insurance companies in Estero, Florida in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Estero, Florida Auto Insurance Companies
What auto insurance companies in Estero, Florida are the cheapest? Compare the top Estero, Florida auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,043 |
| Geico | $3,152 |
| Liberty Mutual | $4,604 |
| Nationwide | $3,676 |
| Progressive | $5,182 |
| State Farm | $2,370 |
| USAA | $2,438 |
What affects auto insurance rates in Estero, Florida?
There are a lot of reasons why auto insurance rates in Estero, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Estero, Florida. Many local factors may affect your Estero auto insurance rates.
Estero Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Estero, Florida commute length is 25.6 minutes according to City-Data.
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Compare Estero, Florida Auto Insurance Quotes
Before you buy Estero, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Estero, Florida auto insurance quotes.
Frequently Asked Questions
What is Estero, FL auto insurance?
Estero, FL auto insurance refers to insurance coverage specifically designed for vehicles registered and operated in the town of Estero, Florida. It provides financial protection in the event of accidents, theft, property damage, or bodily injury resulting from vehicle-related incidents.
What types of auto insurance coverage are available in Estero, FL?
Estero, FL offers various types of auto insurance coverage, including:
- Liability Coverage: This is the most common type of auto insurance required by law in Florida. It covers bodily injury and property damage liability to other parties if you are at fault in an accident.
- Personal Injury Protection (PIP): PIP coverage is required in Florida and provides coverage for medical expenses, lost wages, and certain other expenses resulting from a covered accident, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: This coverage helps protect you if you are involved in an accident with a driver who lacks insurance or has insufficient coverage to fully compensate you.
- Collision Coverage: Collision coverage pays for damage to your vehicle resulting from a collision, regardless of fault.
- Comprehensive Coverage: Comprehensive coverage protects your vehicle against non-collision incidents such as theft, vandalism, fire, or natural disasters.
Is auto insurance mandatory in Estero, FL?
Yes, auto insurance is mandatory in Estero, FL, as well as throughout the state of Florida. Drivers are required to carry a minimum amount of liability coverage to legally operate a vehicle. The current minimum liability coverage limits in Florida are $10,000 for personal injury protection (PIP) and $10,000 for property damage liability (PDL).
How can I find affordable auto insurance in Estero, FL?
To find affordable auto insurance in Estero, FL, it’s recommended to:
- Shop around and compare quotes from multiple insurance companies to ensure you’re getting the best rate.
- Inquire about available discounts such as safe driver discounts, multi-policy discounts, or good student discounts.
- Consider raising your deductibles, but only if you can comfortably afford the higher out-of-pocket expenses in the event of a claim.
- Maintain a clean driving record and be mindful of any traffic violations that could increase your premium.
- Seek advice from an insurance agent who can guide you through the process and help you find the most cost-effective options.
Are there any local insurance requirements specific to Estero, FL?
While there are no specific insurance requirements unique to Estero, FL, drivers must comply with the state-mandated minimum liability coverage limits. It’s important to adhere to these requirements to legally operate a vehicle within the town.
How can I contact auto insurance providers in Estero, FL?
To contact auto insurance providers in Estero, FL, you can:
- Visit the websites of insurance companies that operate in the area and request a quote online.
- Call the customer service phone numbers provided by insurance companies to speak with a representative.
- Visit local insurance offices in Estero, FL to discuss your insurance needs in person.
What factors can affect my auto insurance premium in Estero, FL?
Several factors can affect your auto insurance premium in Estero, FL, including your age, driving record, the type of vehicle you drive, your credit history, and the coverage limits and deductibles you choose. Additionally, factors such as the frequency of accidents and thefts in the area may also impact your premium.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.