Better rates from an agent who knows the area.
Family-owned independent agency
Serving Southwest Florida since 2009
Cape Coral is the largest city in Lee County and one of the fastest-growing in the state. Its canal system, bridge-dependent commutes and steady residential growth create driving conditions that directly affect insurance rates.
Costs vary widely with coverage level, driving history and vehicle. Goodlad & Swank serves Cape Coral from our Lehigh Acres office, with access to dozens of carriers that write policies across Lee County, so you can stop overpaying and start comparing.
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 Cape Coral 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.
If you cause an accident on the Cape Coral Bridge at rush hour, the medical bills won’t stop at $10,000. Bodily injury liability pays for injuries you cause to others.
Your protection when the other driver can’t pay. Florida has one of the highest rates of uninsured drivers in the country.
Flooding, hurricanes and canal-side parking all raise the risk of damage that has nothing to do with a crash.
Bridge traffic, roundabouts and construction zones make fender benders part of the routine.
Daily life in Cape Coral without a car is impractical. This keeps you moving during repairs.
The Caloosahatchee separates Cape Coral from Fort Myers, so most commuters cross the Cape Coral Bridge or the Midpoint Bridge, two of the most congested corridors in Lee County. Heavy traffic on a few crossings means more rear-end collisions and more claims.
Tens of thousands of new residents in recent years mean new construction, new roads and unfamiliar intersections, all of which push accident rates up.
Cape Coral has hundreds of miles of canals, and flooding is a real risk in hurricane season and summer storms. Without comprehensive coverage, a flooded car is a total loss paid out of pocket.
Florida has one of the highest rates of uninsured drivers in the country. Cape Coral’s dense traffic raises the odds of meeting one.
We search every carrier we represent for the discounts you qualify for:
Every discount stacks. The more that apply, the more you save.
A new driver is one of the biggest changes to a family’s premium. We’ll compare carriers, look for good-student discounts and help you pick limits that protect your household.
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.
