Buy Cheap Estero, FL Auto Insurance (2021)

Estero, FL auto insurance rates average $327 a month. Minimum auto insurance requirements in Estero, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Estero, FL, compare Estero auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Estero after a DUI is Allstate
  • Average auto insurance rates in Estero, FL are $327/month
  • Average auto insurance rates in Estero, FL after a DUI are $4,702/year

Finding affordable Estero, Florida auto insurance can be challenging, but everything you need to know to buy cheap Estero, FL auto insurance with confidence is right here. Auto insurance rates in Estero are affected by local factors as well as personal ones like your driving record.

See how Estero, FL car insurance rates compare to Tampa auto insurance rates, St. Petersburg auto insurance rates, and Orlando auto insurance rates before you read more about the cost of auto insurance in Estero.

Don’t buy Estero, FL auto insurance until you’ve compared rates. Get free Estero, Florida auto insurance quotes when you enter your ZIP code above.

Estero, FL Minimum Auto Insurance Requirements

The required auto insurance in Estero, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Estero, Florida is outlined here.

Minimum Required Auto Insurance Coverage 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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Find Cheap Estero, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Estero, FL. Take a look at Estero, Florida auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Estero, Florida

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

Buy Cheap Estero, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Estero, Florida auto insurance rates? Find out how car insurance rates in Estero, FL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Estero, Florida

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

Buy Cheap Estero, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Estero can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Estero, FL are listed here.

Annual Auto Insurance Rates for Teen Drivers 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

Buy Cheap Estero, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Estero, Florida by comparing Estero senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Estero, FL here.

Annual Auto Insurance Rates for Senior Drivers in Estero, Florida

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

Find Cheap Auto Insurance Rates in Estero, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Estero, Florida auto insurance. Compare Estero, FL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Estero, Florida

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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Find Cheap Estero, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Estero. Compare auto insurance rates in Estero, FL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Estero, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Estero, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Estero, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Estero, FL, take a look at the average cost for various violations versus rates for a clean driving record in Estero.

Annual Estero, Florida Auto Insurance Rates by Driving Record

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

Find Cheap Estero, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Estero, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Estero for less when you shop around and compare rates from multiple Estero, FL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Estero, Florida

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

Winners by Category: Where to Buy Cheap Auto Insurance in Estero, FL

Compare rates from the cheapest auto insurance companies in Estero, FL for your needs. Take a look at how Estero, Florida auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Estero, Florida

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

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Find Cheap Estero, Florida Auto Insurance Companies

If you’re looking for the cheapest Estero, FL auto insurance companies overall, you can compare them here. Find the best price for Estero, Florida car insurance by company.

Average Annual Auto Insurance Rates by Company in Estero, Florida

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 Estero, Florida auto insurance rates?

Local factors affect auto insurance rates in Estero, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Estero auto insurance rates.

Commute Times in Estero

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Estero, FL is 25.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Estero, FL

You can buy cheap Estero, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Estero, Florida auto insurance quotes from top companies.

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