Local coverage for full-time residents and snowbirds alike.
Family-owned independent agency
Serving Southwest Florida since 2009
Bonita Springs sits at the intersection of full-time residents, seasonal snowbirds and some of the heaviest traffic in Southwest Florida. It bridges Lee and Collier Counties along the US-41 corridor, and its population swells between November and April, putting peak-season volume on roads built for a smaller town for nearly half the year.
Rates vary a lot with driving history, vehicle and coverage level. Goodlad & Swank serves Bonita Springs from our Lehigh Acres office, shopping dozens of Florida carriers to match your coverage to how you actually drive.
Florida requires only $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). Those minimums leave big gaps, so here is what we recommend Bonita Springs drivers carry.
Florida’s required coverages. PIP pays 80% of your own medical bills, up to $10,000, whoever caused the crash. PDL pays for damage you cause to other people’s property, and $10,000 rarely covers a modern car.
Florida doesn’t require it, but it pays for injuries you cause to others and is critical for protecting your personal assets.
Florida has one of the highest rates of uninsured drivers in the country. This protects you when the at-fault driver can’t pay.
Flooding, hurricanes and seasonal storms make this essential. It’s the only auto coverage that pays for weather damage.
US-41 traffic and busy parking lots make fender benders part of life here. Collision pays to repair your car whoever is at fault.
Bonita Springs’ layout requires a car for daily life. This keeps you mobile while yours is being repaired.
The population climbs sharply during snowbird season, with many drivers navigating unfamiliar roads, roundabouts and parking lots. The spike in minor collisions during season pushes local rates up.
Tamiami Trail carries local traffic, commercial vehicles and tourists through the heart of town, with frequent rear-end collisions, especially in season and around the I-75 and Bonita Beach Road interchange.
Bonita Springs has seen significant flooding, including from the Imperial River. A car parked in a flood-prone area without comprehensive coverage can be a total loss with no insurance payout.
Mature drivers often qualify for over-50 discounts, but carriers weigh age differently, which makes choosing the right carrier especially important.
We search every carrier we represent for the discounts you qualify for:
Every discount stacks. The more that apply, the more you save.
We look for carriers that recognize lower Florida mileage, make sure your Florida and home-state policies work together without gaps, and keep comprehensive in place to protect a car stored here while you’re away.
We’re not the insurance company. We’re your agent, and that distinction matters.
Florida requires only $10,000 of PIP and $10,000 of property damage liability. That won’t pay for injuries you cause to others or for damage to your own car. We’ll show you what better coverage costs before you decide.
A captive agent sells one company’s products. We represent dozens of carriers, so we can shop the market and find the policy that actually fits your situation.
Our office is at 702 Leeland Heights Blvd W in Lehigh Acres, and we serve Lehigh Acres, Fort Myers, Cape Coral, Bonita Springs, Estero and Naples. You’re not a policy number. You’re a neighbor.
Butch Swank built this agency on one idea: change the way people feel about their insurance agency. Our team treats every client like family.
Butch serves on the Board of Lehigh Regional Medical Center and co-founded the East Lee Education Cooperative, and Mary sits on the Board for Lehigh Community Services. We don’t just work here. We live here.
Share who drives, what you drive, your driving history and the coverage you have today.
We shop multiple insurance companies and lay out the differences in coverage and price in plain language.
Pick the policy that fits. We take care of the paperwork and stay your point of contact for changes, renewals and claims questions.
Florida’s auto insurance rules and carrier options keep changing. Our family-owned team shops dozens of carriers to get you the most coverage for your money.
