Cheapest Auto Insurance in Naples, Florida (2024)
State Farm offers the cheapest rates in Naples, starting at $61 per month.
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Updated October 30, 2024
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Table of contents
Naples is home to nearly 20,000 people.[1] This makes it significantly less populated than many of Florida’s larger cities, and that’s good news from an insurance standpoint.
Cities with fewer residents usually have less traffic congestion and accidents. This could explain why Naples’ total monthly average car insurance cost is $200, less than Florida’s monthly average of $211.
However, while rates in Naples are already below the state average, you can cut your insurance costs even more by comparing quotes from multiple insurers.
Quick Facts
Florida allows insurers to review your credit history when determining your rates.
State Farm, GEICO, and Hugo offer the most affordable car insurance policies in Naples.
Florida requires drivers to carry personal injury protection and property damage liability coverage.
Cheapest car insurance companies in Naples
The right auto insurance company for you will depend on your specific needs, budget, and individual situation. The best way to find your ideal policy is to compare quotes from several insurers. As you begin your search, you’ll find three leading insurers here, including their statewide average quotes for full and liability coverage.
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 ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $78 | $67 | Military members |
| State Farm | 9.3 | $83 | $66 | Teen drivers |
| GEICO | 9.0 | $85 | $68 | Drivers with an incident |
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 military members: USAA
USAACompare personalized, real-time quotes
| User Reviews | 3.6 |
|---|---|
| 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. | 9.4/10 |
| 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. | $46/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. | $100/mo |
Florida is home to nearly 300,000 military-affiliated members.[2] Active-duty members, veterans, and their families trust USAA for its highly rated customer service and military-focused benefits. If you’re a member of the military, it pays to consider USAA. The insurer has several benefits exclusive to military members like you.
Pros
Affordable car insurance premiums
SafePilot program offers 30% savings for good driving
Cons
Only available to military members, families, and veterans
Customer service not available 24/7
Read more driver reviews of USAA
Kent - October 29, 2024
Verified
Excellent
The insurance is a bit high.
Dorothy - October 29, 2024
Verified
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin - October 29, 2024
Verified
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
…
Best insurer for teen drivers: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| 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. | $61/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. | $71/mo |
In Florida, teens can earn their learner’s permit at 15. And when it comes time to get their own insurance, teens pay some of the highest rates on the market. Luckily, State Farm offers discounts for good grades and safe driving to lower the insurance costs for teens.
Pros
Above-average ratings from J.D. Power
Many discount opportunities for teens
Cons
Limited coverage options
Premiums may be high for drivers with violations
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
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.
…
Best insurer for drivers with an incident: GEICO
GEICOCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| 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. | 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. | $62/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. | $74/mo |
Florida drivers pay some of the highest car insurance rates in the country, and you can expect even higher rates if you have violations on your record. Fortunately, GEICO offers SR-22 and FR-44 filings for drivers as well as various discounts to lower your insurance bill.
Pros
Above-average ratings from J.D. Power
Wide array of discount and coverage options
Cons
Limited agent network
Gap insurance unavailable
Read more driver reviews of GEICO
Herman - October 29, 2024
Verified
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
It's Expensive
It's expensive.
Robert - October 29, 2024
Verified
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
…
How to get the cheapest car insurance in Naples
A variety of factors influence your insurance costs, including your location, age, driving history, and more. Fortunately, you have ways to reduce your auto insurance rates:
Compare quotes. Gathering at least three quotes from different insurance companies based on your needed coverages can help reduce your costs. Use a price-comparison platform to easily compare insurers against one another.
Explore discounts. Stacking insurance discounts can lower your costs significantly. Each year, check in with your insurance agent to see if you qualify for any new discounts.
Bundle policies. You can reduce your overall insurance costs by bundling insurance products from the same company. For example, you can bundle your auto policy with your homeowners, renters, or life insurance policy.
Choose a higher deductible. You must pay a deductible before your insurance company covers certain claims. By choosing a higher deductible, you can lower your insurance premium because you’re taking on more of the up-front risk yourself.
Maintain a clean driving record. Avoiding speeding tickets, accidents, and other moving violations will keep your insurance costs low.
Find Cheap Car Insurance in Naples, Florida
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Cheapest liability-only car insurance in Naples: State Farm
In Florida, liability car insurance pays for the other driver’s property repairs after an accident you cause. It also pays for your injuries. This coverage doesn’t pay for any damage to your vehicle, however.
The average cost of liability insurance in Naples is $170 per month. You can find more affordable insurance companies for liability-only policies in Naples in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $61 |
| GEICO | $62 |
| Hugo | $66 |
| Mile Auto | $105 |
| Allstate | $106 |
| Safeco | $119 |
| Mercury | $126 |
| Travelers | $126 |
| Liberty Mutual | $131 |
| Direct Auto | $135 |
| Midvale Home & Auto | $154 |
| Progressive | $157 |
| Infinity | $162 |
| Foremost | $179 |
| Dairyland | $187 |
| GAINSCO | $189 |
| AssuranceAmerica | $209 |
| Bristol West | $224 |
| National General | $254 |
| The General | $269 |
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 Naples: State Farm
While liability-only insurance pays for the other party’s property repairs, a full-coverage policy covers these expenses and your damages. A full-coverage policy offers more protection, so it’s an excellent option for people who drive frequently, drive expensive cars, or have a loan on their vehicle.
On average, full-coverage car insurance costs $230 per month in Naples. You can see a collection of quotes from area insurers in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $71 |
| GEICO | $74 |
| Allstate | $124 |
| Safeco | $144 |
| Mile Auto | $146 |
| Travelers | $147 |
| Mercury | $152 |
| GAINSCO | $209 |
| Hugo | $220 |
| Liberty Mutual | $221 |
| Progressive | $222 |
| Infinity | $226 |
| Midvale Home & Auto | $231 |
| Direct Auto | $244 |
| National General | $264 |
| Foremost | $272 |
| Dairyland | $329 |
| AssuranceAmerica | $332 |
| Bristol West | $332 |
| The General | $390 |
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.
Car insurance requirements in Florida
Florida is a no-fault state, meaning insurance companies pay for their own policyholder’s medical expenses after a car accident. Drivers must purchase this auto insurance for injuries, lost wages, and related expenses, commonly known as personal injury protection (PIP). The table below illustrates the minimum coverages required in Florida.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
While liability coverage allows you to meet minimum state requirements, you may want to consider enhancing your coverage with any of the following options:
Bodily injury liability coverage
While Florida doesn’t require this coverage, a driver can still sue you for medical expenses if their PIP coverage isn’t enough.
Collision coverage
If you’re in a car accident, collision insurance pays for your vehicle damages, regardless of fault. A full-coverage policy includes this coverage.
Comprehensive coverage
Comprehensive insurance will pay for repairs if your car sustains damages due to theft, vandalism, natural disasters, or other non-collision incidents. A full-coverage policy includes this coverage.
Uninsured/underinsured motorist coverage
Suppose another driver is at fault in an accident and doesn’t have enough insurance or any insurance at all. In that case, uninsured/underinsured motorist coverage supports you so you don’t have to pay out of pocket for your medical bills or car repairs.
Cheapest recent rates near Naples, Florida
Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $71/mo for full coverage in Naples and other Florida cities.
*Quotes generated for Insurify users in and around Naples, 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 Naples, 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.
Cheapest car insurance for drivers with an incident
Driving incidents include speeding tickets, driving under the influence, at-fault accidents, and other moving violations, and having any of these on your record can cause your insurance rates to increase dramatically. In fact, Florida drivers with an at-fault accident can expect to pay 43% more for car insurance than drivers with a clean record.
In the sections that follow, you’ll see how incident types can affect your car insurance rates.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Insurers see drivers with a speeding ticket as more likely to engage in behavior that leads to a car accident. So, to offset the risk you pose as a driver, insurers increase your auto insurance rates.
You can expect to pay a total average rate of $243 per month with a speeding ticket on your record, and the table below shows how quotes from different insurers adjust after a ticket.
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 ▲▼ |
|---|---|---|
| State Farm | $61 | $72 |
| GEICO | $62 | $74 |
| Hugo | $66 | $78 |
| Mile Auto | $105 | $130 |
| Allstate | $106 | $127 |
| Safeco | $119 | $145 |
| Mercury | $126 | $163 |
| Travelers | $126 | $152 |
| Liberty Mutual | $131 | $171 |
| Direct Auto | $135 | $162 |
| Progressive | $157 | $188 |
| Infinity | $162 | $202 |
| Foremost | $179 | $233 |
| Dairyland | $187 | $225 |
| GAINSCO | $189 | $247 |
| AssuranceAmerica | $209 | $254 |
| Bristol West | $224 | $269 |
| National General | $254 | $306 |
| The General | $269 | $327 |
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 car insurance for drivers with an at-fault accident: State Farm
An at-fault accident indicates to insurance companies that you’re more likely to be involved in an accident in the future. Because insurers see you as a riskier driver, they’ll assign higher rates for your insurance policy.
The total average rate for drivers with an accident on their record in Naples is $262 per month, and the table below shows how an accident can increase quotes compared to drivers with a clean record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $61 | $78 |
| GEICO | $62 | $80 |
| Hugo | $66 | $91 |
| Mile Auto | $105 | $142 |
| Allstate | $106 | $136 |
| Safeco | $119 | $149 |
| Mercury | $126 | $173 |
| Travelers | $126 | $163 |
| Liberty Mutual | $131 | $181 |
| Direct Auto | $135 | $177 |
| Progressive | $157 | $204 |
| Infinity | $162 | $205 |
| Foremost | $179 | $247 |
| Dairyland | $187 | $239 |
| GAINSCO | $189 | $232 |
| AssuranceAmerica | $209 | $267 |
| Bristol West | $224 | $286 |
| National General | $254 | $329 |
| The General | $269 | $352 |
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 car insurance for drivers with a DUI: State Farm
A DUI is considered to be among the most serious driving offenses. In Florida, residents with a DUI usually have to get an SR-22 or FR-44 certificate to drive.
Many insurers won’t insure someone with a DUI on their record. Those who do usually charge a significantly higher rate.
The overall average rate for drivers with a DUI on their record in Naples is $302 per month. Here, you can see a collection of insurers that insure drivers with a DUI on their record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $61 | $96 |
| GEICO | $62 | $98 |
| Hugo | $66 | $104 |
| Mile Auto | $105 | $166 |
| Allstate | $106 | $168 |
| Safeco | $119 | $188 |
| Mercury | $126 | $181 |
| Travelers | $126 | $199 |
| Liberty Mutual | $131 | $207 |
| Direct Auto | $135 | $213 |
| Progressive | $157 | $248 |
| Infinity | $162 | $256 |
| Foremost | $179 | $283 |
| Dairyland | $187 | $296 |
| GAINSCO | $189 | $299 |
| AssuranceAmerica | $209 | $330 |
| Bristol West | $224 | $354 |
| National General | $254 | $402 |
| The General | $269 | $425 |
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 car insurance for seniors: State Farm
While insurance rates decrease around age 35, they increase again around 70. Seniors typically see higher rates because of age-related conditions that may impair driving abilities and the likelihood that an accident involving a senior will lead to high medical costs.
The total average rate for senior drivers is $160 per month. The following companies offer the cheapest car insurance quotes for senior drivers in Naples.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $47 | $54 |
| GEICO | $49 | $58 |
| Hugo | $52 | $172 |
| Mile Auto | $78 | $109 |
| Allstate | $84 | $98 |
| Mercury | $96 | $116 |
| Travelers | $97 | $113 |
| Safeco | $98 | $119 |
| Direct Auto | $104 | $187 |
| Liberty Mutual | $108 | $181 |
| Progressive | $111 | $156 |
| Infinity | $121 | $169 |
| Foremost | $140 | $213 |
| Dairyland | $147 | $258 |
| AssuranceAmerica | $156 | $247 |
| GAINSCO | $156 | $173 |
| Bristol West | $176 | $262 |
| National General | $192 | $199 |
| The General | $216 | $313 |
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 car insurance for teens: GEICO
Teens tend to pay the highest insurance rates of any age group. This is because insurers classify teenagers as high-risk drivers due to their lack of experience on the road and the increased likelihood they will engage in dangerous driving behaviors, like distracted driving.
Luckily, teens can lower their insurance costs by staying on their parents’ policy, buying a safe car, and getting good grades in school.
The overall average rate for teen drivers in Naples is $325 per month.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| GEICO | $95 | $113 |
| State Farm | $100 | $117 |
| Hugo | $104 | $346 |
| Allstate | $181 | $212 |
| Mile Auto | $197 | $274 |
| Mercury | $219 | $264 |
| Travelers | $220 | $256 |
| Liberty Mutual | $224 | $378 |
| Safeco | $231 | $279 |
| Direct Auto | $238 | $429 |
| Progressive | $270 | $382 |
| Infinity | $285 | $397 |
| Dairyland | $296 | $520 |
| Foremost | $307 | $467 |
| GAINSCO | $318 | $352 |
| Bristol West | $365 | $541 |
| AssuranceAmerica | $373 | $592 |
| The General | $413 | $598 |
| National General | $485 | $504 |
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.
Naples car insurance quotes by credit tier
Florida allows insurers to review your credit history in determining your insurance rates. As such, drivers with excellent or good credit usually see lower insurance rates. On the other hand, drivers with poor credit see higher rates.
The table below shows how your credit affects the quotes you can expect to see in Naples.
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.
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Is car insurance more expensive in Naples?
Naples, like most cities on the coast of Florida, is susceptible to hurricanes and strong winds. This is why the cost of car insurance in Naples is significantly more than the national monthly average cost of car insurance of $158.
More cities in Florida
While car insurance in Naples exceeds the national average, rates are cheaper here than in many other Florida cities.
The table below illustrates car insurance quotes in various cities in Florida.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Apopka | $196 | $260 |
| Cape Coral | $180 | $248 |
| Clearwater | $218 | $264 |
| Daytona Beach | $173 | $254 |
| Fort Lauderdale | $249 | $325 |
| Fort Myers | $174 | $250 |
| Gainesville | $156 | $216 |
| Jacksonville | $187 | $266 |
| Miami | $258 | $373 |
| Orlando | $202 | $289 |
| Tampa Bay | $293 | $362 |
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.
Naples car insurance FAQs
Looking for more information to help you find the most affordable car insurance in Naples? The following answers can help.
How much is car insurance in Naples?
The overall average rate for car insurance in Naples is $200 per month. This exceeds the national average of $158 but is still below the rates paid in many other cities in Florida.
Who has the cheapest car insurance in Naples?
State Farm offers the cheapest car insurance in Naples, at $61. GEICO and Hugo also offer cheap car insurance in Naples, at $62 and $66 per month, respectively.
What are the best car insurance companies in Naples?
USAA, State Farm, and GEICO are among the leading insurers in the Naples area. These insurers are widely recognized for their financial stability, customer service, and ability to offer competitive rates in the Naples market.
Who has the lowest car insurance in Florida?
State Farm offers the lowest-cost coverage in Florida. However, you can also find low rates from GEICO and Allstate.
What is the average cost of car insurance per month in Florida?
The average cost of car insurance in Florida is $211 per month, exceeding the national average of $158 per month. Florida is one of the most expensive states in the nation for car insurance, making it important for Naples-area drivers to save money whenever they can.
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
- Florida Demographics by Cubit. "Florida Cities by Population."
- Military State Policy Source. "Florida."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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