What is the Average Cost of Car Insurance in Lehigh Acres?

Lehigh Acres is a city located 12 miles east of Fort Myers, Florida. The population is around 124,000 and it’s situated in Lee County. For travelers who want to get away from the busy beaches and attractions in Fort Myers, Lehigh Acres has plenty to offer. If you enjoy fishing, there are many lakes, streams, and canals to choose from. If saltwater fishing is your passion, the barrier islands that sit on the Gulf of Mexico provide plenty of angler opportunities. There are also parks, a bustling downtown, and several professional-level golf courses to choose from.

Of the over one hundred thousand that reside in Lehigh Acres, 62% of the residents work outside of the home, and have long commute times of around 35 minutes, well above the national average of 27 minutes. Where insurance is concerned, the rates are higher than the national average, though, on a positive note, the number of auto thefts is lower than in other parts of the state.

What Insurance Coverage is Needed for Drivers in Lehigh Acres

Florida drivers are required to carry insurance in order to legally drive in the state. The minimum requirement for insurance are as follows:

  • $10,000 coverage for bodily injury and death for one person
  • $20,000 coverage for bodily injury or death for multiple persons
  • $10,000 coverage for property damage
  • $10,000 coverage for personal injury (PIP)

The minimum coverage requirements will allow you to drive legally in the state, but they might not be enough to protect you in the event of an accident for which you are at fault. In the event that the damages exceed your coverage levels, you could be responsible for paying the overage out of your own pocket. Also, the minimum requirements do not cover your vehicle or personal property if you are at fault for an accident so, if your car is damaged, any repairs would be your personal responsibility. Choosing higher coverages can prevent this from happening.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Lehigh Acres by Insurer

When choosing an insurance company, you need to consider two things. First, choose a company that has an excellent reputation for paying claims, accessible agents, and providing customer service. An insurance company that doesn’t answer calls or is slow to pay will further complicate an already annoying situation. Make sure your premiums align with the coverage you receive. Paying too much for minimum coverage isn’t financially responsible, but don’t choose the least expensive coverage because you want to save money. Instead, shop around and get the best deal on the amount of coverage you actually need.

Use our guide to get a cheap car insurance quote today.

Low Cost Auto Insurance for Bad Credit in Lehigh Acres

Florida does allow insurance companies to adjust their rates for drivers with blemished credit. A less-than-perfect credit score can be used as an indicator for higher risk; therefore, insurance companies might tack on an additional amount to premiums to mitigate that risk. In Florida, depending on the insurance company, an insurance policy written for drivers with credit issues can be double that of a driver with better credit. This is why it pays to get quotes from several insurance companies before purchasing an insurance policy.

Use our bad credit guide to find companies that offer lower premiums for bad credit drivers.

Differences Between the Two Main Coverages

What is Liability Only Coverage?

Liability-only coverage means that you are only paying to cover the cost of damage that you do to other people and their property in the event you are at fault in an accident. It covers the costs of medical bills for people you injure or repair costs for property you damage.

It is a good idea to carry more liability insurance than these minimum amounts required by the state of {location-state} because you will be personally financially liable if you are in an accident and cause more damage to people or property than the state’s minimum required coverage levels.

What does Full Coverage Insurance Cover?

Full coverage insurance not only covers the cost of the people and things you might harm when you are in an accident that is your fault. It also covers the cost of any repairs that your property or vehicle might need if you are in an accident that is your fault.

There are two main types of coverage beyond liability coverage:

Collision – This type of insurance covers the cost of repairs to your vehicle or your property that you might damage in an accident in which you are at fault.

Comprehensive – This type of insurance covers the repair costs for your vehicle when one of those unusual things happen that are outside of your control, like weather-related damage to your vehicle, theft, vandalism, and deer stepping in front of your vehicle as you drive.

What are the Major Differences Between Full Coverage and Liability?

The difference between full and liability coverage is quite dramatic. With liability, insurers gamble that they will only have to pay for one car in an accident. With a comprehensive or full coverage policy, insurance companies know that they are taking on more liability exposure and so their rates reflect the increased risk. In the case of a comprehensive policy, they might even have to cover claims for damages that don’t arise from a traffic incident.

Average Annual Car Insurance Rates in Florida by City

Additional cities in Florida you can check out.

Spring Hill

How to Lower Your Insurance Rates Policy

Find additional ways to save on your Lehigh Acres car insurance premiums with these insurance discounts:

  • Don’t Speed

    If you are caught speeding, your license will accrue points. With each additional point, your insurance company considers you more of a liability and so will charge you more for insurance. Stick to local in-town limits and use your cruise control on the highway to avoid excessive speed.

  • Shop Around

    Different insurers charge different premiums for virtually the same policies. Since the essential service is often identical from company to company, you are sure to save money by comparing rates from multiple companies.

  • Avoid Accidents

    When you are at fault in an accident, law enforcement will add points to your license. Further, the other party is likely to file a claim against your policy. When insurers pay out on claims, they typically raise the premiums for those policy holders.

  • Bundled Insurance Packages

    If you have renter’s insurance or are a homeowner, you may be able to add your automobile to the policy. This also goes for other vehicles or even health insurance. Insurance companies love to bundle policies and offer incentives for customers to do so. You will only have one premium payment to make, which makes things easy, and you’ll save money, as well.

  • Insure Multiple Cars

    If you own multiple cars, your per-car rates are bound to be lower if you put them all on the same policy. You can also include a car owned by your spouse or domestic partner. You could also add your partner to health insurance or cover their recreational vehicles under your policy.

This guide can help you find the best discounts on auto insurance.

Here are Some of the Typical Factors that Affect Your Lehigh Acres Car Insurance Premiums

  • Gender
  • Marital Status
  • Age
  • Number of Violations
  • Credit Report/Score
  • Location
  • Driving Record
  • Insurance Company
  • Make and Model of your car
  • Your Insurance Plan
  • How many cars you have insured
  • Your Occupation
  • Miles you drive per year

Use this guide to compare top insurance company rates if you have a bad driving record.

Helpful Lehigh Acres, Florida Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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