Cheapest Auto Insurance in Cape Coral, Florida (2024)
State Farm offers the cheapest car insurance in Cape Coral, with minimum-coverage policies as low as $65 per month.
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Written byTaylor Milam-Samuel
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated October 30, 2024
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Table of contents
The overall average monthly cost for car insurance in Cape Coral is $214, which is less than the state average of $211.
The ninth-largest city in the state, Cape Coral has a population of more than 215,000 people. Motor vehicle theft rates in the area are lower than in larger cities, like Jacksonville, Miami, and Orlando, which might help explain the lower average car insurance rates in Cape Coral.
Car insurance in Florida is expensive, though. Drivers across the state pay more than the overall national average of $158 per month. You can take steps to secure a lower rate, like comparing quotes from multiple insurers.
Here’s what you should know about finding cheap car insurance in Cape Coral.
Quick Facts
State Farm, GEICO, and Hugo offer Cape Coral drivers the cheapest car insurance rates.
Florida is a no-fault state, so you must file any bodily injury claims with your insurer, even when you don’t cause the accident.[1]
Cape Coral drivers pay $180 per month for liability coverage and $248 for full-coverage car insurance, on average.
Cheapest car insurance companies in Cape Coral
The best auto insurance company for you depends on your budget and insurance needs, but State Farm, GEICO, and Hugo offer some of the best cheap coverage options for drivers in Cape Coral.
Here’s what you need to know about three of the top insurers offering coverage in Cape Coral.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $83 | $66 | Cheap rates |
| GEICO | 9.0 | $85 | $68 | Discounts |
| Hugo | 7.0 | N/A | $337 | On-demand coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $76/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers the most competitive car insurance rates in Cape Coral. Customers with insurance from State Farm can expect excellent customer service and high satisfaction, as indicated by the company’s high ranking in the J.D. Power 2023 U.S. Auto Insurance Study.
Pros
Discounts for safe drivers and young drivers
Most affordable average rates in Cape Coral
Cons
Doesn’t offer gap insurance
Drivers with violations pay more than expected
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $67/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $79/mo |
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
As a well-known insurer with competitive rates and various discount options, GEICO is a top choice for drivers in Cape Coral. GEICO policyholders can earn reduced rates for bundling auto with other policies, like homeowners insurance, life insurance, renters insurance, and business insurance.
The company also earned an A++ (Superior) financial strength rating from AM Best, which indicates that the company can afford to pay claims.
Pros
Multiple discount options
Option to bundle policies
Cons
Doesn’t offer gap insurance
Limited add-on coverage options
Best insurer for on-demand coverage: Hugo
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $235/mo |
4.1
Best choiceBased on 114 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (43)
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
Kimberly
September 21, 2024
Verified Review
Hugo Whoa!
It's steep, but convenient.
Sheila
September 10, 2024
Verified Review
Great in a Pinch
It's good when you need it on the spot and don't have a lot of money because you pay daily. However, it's very expensive in the long run.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Hugo offers on-demand coverage for drivers in Cape Coral, which is helpful since a relatively high proportion of residents work from home and might not need regular access to a car.
Drivers can buy coverage for different lengths of time, from three days to six months. If you have a Flex plan, you can pause coverage when you don’t need it. The flexibility helps ensure that drivers pay the lowest rates possible.
Pros
Coverage options for less than one week
Can pause coverage as needed
Cons
On-demand coverage only for liability plans
Minimal discounts available
How to get the cheapest car insurance in Cape Coral
Your age, ZIP code, credit, and driving history affect how much you pay for car insurance. Even though you can’t control a number of factors, you can lower your coverage costs in a few different ways:[2]
Check for discounts. Most insurance companies offer driver discounts that can help you save 10% or more. Most auto insurance agents inform you about discounts before you finalize the car insurance policy, but it’s worth it to double-check and ask what discounts you qualify for.
Comparison shop. Comparing quotes from at least three insurers is the most effective way to find the lowest car insurance rates available to you.
Increase your deductible. Your deductible is the amount you pay when you file a claim. You agree to pay more for claims when you raise your deductible. As a result, your monthly premium decreases. It’s a great way to lower costs, as long as you select a deductible amount you can afford.
Find Cheap Car Insurance in Cape Coral, FL
Liability rates start at $65 per month
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Cheapest liability-only car insurance in Cape Coral: State Farm
Florida drivers must carry liability car insurance, which helps pay for your injuries and the other driver’s vehicle repairs when you cause an accident. The coverage doesn’t help pay for any of your car repairs.[3]
State Farm offers the cheapest liability-only coverage in Cape Coral, with a cost of $65 per month.
Here are the best insurers for liability-only coverage in the city.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $65 |
| GEICO | $67 |
| Hugo | $70 |
| Mile Auto | $112 |
| Allstate | $113 |
| Safeco | $127 |
| Travelers | $134 |
| Mercury | $135 |
| Liberty Mutual | $140 |
| Direct Auto | $144 |
| Midvale Home & Auto | $165 |
| Progressive | $168 |
| Infinity | $174 |
| Foremost | $192 |
| Dairyland | $200 |
| GAINSCO | $202 |
| AssuranceAmerica | $224 |
| Bristol West | $240 |
| National General | $272 |
| The General | $288 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Cape Coral: State Farm
Full-coverage car insurance includes liability, comprehensive, and collision coverages. It helps pay for vehicle repairs for you and the other driver when you cause an accident. The insurance policy also covers vehicle damage from a non-collision incident, like theft or severe weather.
Most insurance experts recommend purchasing a full-coverage policy, and you may need it if you have a vehicle loan or lease. You may not need it if you have an old or inexpensive car.
Cape Coral drivers can find the cheapest full-coverage policy with State Farm. The following insurers also offer competitive pricing for full-coverage insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $76 |
| GEICO | $79 |
| Allstate | $133 |
| Safeco | $154 |
| Mile Auto | $156 |
| Travelers | $157 |
| Mercury | $163 |
| GAINSCO | $224 |
| Hugo | $235 |
| Liberty Mutual | $237 |
| Progressive | $238 |
| Infinity | $241 |
| Midvale Home & Auto | $247 |
| Direct Auto | $261 |
| National General | $283 |
| Foremost | $291 |
| Dairyland | $352 |
| AssuranceAmerica | $356 |
| Bristol West | $356 |
| The General | $417 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Cape Coral, Florida
Drivers in and around Cape Coral, Florida have found policies from Mile Auto, Mercury, GEICO, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Cape Coral, Florida within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Cape Coral, Florida within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
Drivers in the state of Florida must meet the minimum legal requirement for personal injury protection (PIP) and property damage coverage.[4]
Florida is a no-fault state, which means that both drivers need to file claims with their auto insurance companies after an accident. This can make insurance more expensive for Florida drivers because insurers need to process additional claims each year.
Here’s how much auto insurance coverage you need as a driver in Florida:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
You should consider purchasing additional coverage beyond Florida’s minimum requirements. Here are some common optional coverage add-ons:
Comprehensive coverage
When a non-collision incident damages your vehicle, a comprehensive policy can help cover the repair or replacement costs. It includes coverage for theft, natural disasters, and more.
Collision coverage
If you hit another car or object, a collision policy pays for your vehicle repairs.
Uninsured/underinsured motorist coverage
If an uninsured driver causes an accident, you typically have to pay for repair costs or sue the driver. Uninsured/underinsured motorist coverage provides for your vehicle repairs.
Cheapest car insurance for drivers with an incident
Your driving record significantly affects your car insurance rates. Having incidents like at-fault accidents, speeding tickets, and driving under the influence violations on your record can cause your rates to increase. Car insurance companies use driving records to determine risk, and past incidents indicate that you’re a high-risk driver who might file a claim in the future.[5] So, insurers increase rates.
Cape Coral drivers with a past incident on their record pay an average of $252 per month for car insurance. Here are the best options for drivers with an incident in Cape Coral.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| State Farm | $65 | $77 | $83 | $103 |
| GEICO | $67 | $80 | $86 | $106 |
| Hugo | $70 | $83 | $97 | $111 |
| Mile Auto | $112 | $139 | $151 | $177 |
| Allstate | $113 | $135 | $145 | $179 |
| Safeco | $127 | $154 | $159 | $201 |
| Travelers | $134 | $162 | $173 | $212 |
| Mercury | $135 | $174 | $186 | $194 |
| Liberty Mutual | $140 | $183 | $193 | $221 |
| Direct Auto | $144 | $172 | $189 | $228 |
| Progressive | $168 | $201 | $219 | $266 |
| Infinity | $174 | $217 | $220 | $275 |
| Foremost | $192 | $250 | $265 | $304 |
| Dairyland | $200 | $240 | $256 | $316 |
| GAINSCO | $202 | $263 | $248 | $319 |
| AssuranceAmerica | $224 | $272 | $286 | $354 |
| Bristol West | $240 | $288 | $306 | $379 |
| National General | $272 | $328 | $352 | $430 |
| The General | $288 | $350 | $377 | $455 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Insurance companies consider your age when determining rates. Due to inexperience and reckless driving habits, teenagers pay the highest premiums for car insurance. Between the ages of 35 and 70, drivers typically see rates decrease with age. Drivers can expect to earn the lowest rates near retirement age, but costs tick up again for senior drivers older than 70.
Here are the average car insurance costs in Cape Coral by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $404 |
| 20s | $291 |
| 30s | $253 |
| 40s | $243 |
| 50s | $223 |
| 60s | $205 |
| 70s | $211 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Cape Coral
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Cape Coral car insurance quotes by credit tier
Your credit history can also affect how much you pay for coverage in Florida. Insurers use credit-based insurance scores as another measure of risk, with lower scores indicating higher levels of risk.
You’ll likely pay higher rates if you have poor credit than if you have excellent or good credit.
Here are average full-coverage quotes for car insurance in Cape Coral for each credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cape Coral car insurance FAQs
Before you start shopping around for car insurance, you should determine the right coverage amount for you. The information below should help you navigate the process of finding affordable auto insurance.
How much is car insurance in Cape Coral?
The overall average cost of car insurance in Cape Coral is $214 per month. Drivers in Cape Coral pay $180 per month for liability coverage and $248 for full-coverage insurance, on average. Your specific premium will depend on your driving record, age, credit history, and more.
Who has the cheapest car insurance in Cape Coral?
The best way to find cheap coverage is to compare quotes from multiple auto insurers at once. The cheapest car insurance company in Cape Coral is State Farm, which has a liability car insurance rate of $65 per month. GEICO and Hugo also offer cheap coverage, with liability coverage rates of $67 and $70 per month, respectively.
What are the best car insurance companies in Cape Coral?
With a high Insurify Quality (IQ) Score of 4.4 out of 5, an A++ (Superior) financial strength rating from AM Best, and customizable coverage, State Farm is the best car insurance company in Cape Coral. On average, Florida drivers with insurance from State Farm pay $83 per month for full-coverage insurance and $66 for liability coverage. GEICO and Hugo are two of the city’s other best options.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Florida
Sources
- NOLO. "Florida No-Fault Car Insurance."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Taylor Milam-Samuel
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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