Cheapest Car Insurance In Naples, FL 2025
With an average monthly cost of $37, GEICO offers the lowest-priced minimum coverage in Naples.
We’ve saved shoppers an average of $600 per year on their car insurance.
Car insurance rates in Naples, FL, aren’t the same everywhere, so finding the cheapest one requires some digging.
For drivers focused on liability-only insurance, GEICO is the most affordable. Progressive beats the competition for full coverage rates, while young drivers get the best prices from State Farm.
Cheapest Car Insurance In Naples, FL 2025
Cheapest Liability-only Car Insurance In Naples: State Farm
At just $37 per month, GEICO offers the most cost-effective minimum coverage car insurance in Naples.
The table below provides a side-by-side comparison of insurance rates from various providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $42 | $504 |
| Auto-Owners | $48 | $576 |
| GEICO | $52 | $624 |
| American Family | $59 | $708 |
| Progressive | $68 | $816 |
Cheapest Full Coverage Insurance Rates In Naples: Erie
With an average monthly rate of $92, Progressive offers the most affordable full coverage car insurance in Naples.
The table provides a side-by-side look at average quotes from Naples’ most affordable auto insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $83 | $996 |
| Auto-Owners | $86 | $1,032 |
| American Family | $104 | $1,248 |
| Nationwide | $107 | $1,284 |
| Progressive | $116 | $1,392 |
Cheapest Car Insurance Rates For Seniors: Erie
The cheapest car insurance option for seniors in Naples is State Farm, with an average monthly rate of $87.
The table below outlines the cheapest auto insurance options for seniors, based on average quotes.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $62 | $744 |
| USAA | $70 | $840 |
| Auto-Owners | $64 | $768 |
| GEICO | $69 | $828 |
| Nationwide | $75 | $900 |
Cheapest Rates In Naples For Teenagers: State Farm
State Farm is the most affordable choice for teen drivers in Naples, offering average monthly premiums of $313.
The table below outlines the insurance companies with the lowest prices for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $131 | $1,572 |
| Auto-Owners | $152 | $1,824 |
| USAA | $167 | $2,004 |
| Nationwide | $200 | $2,400 |
| Safeco | $214 | $2,568 |
Cheapest Auto Insurance For Young Adults in Naples: Clearcover
With an average monthly premium of $238, State Farm is the most affordable insurance provider for young adults in Naples.
Take a look at the table below to compare affordable car insurance rates for young adults in Naples.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $70 | $840 |
| USAA | $97 | $1,164 |
| National General | $92 | $1,104 |
| State Farm | $107 | $1,284 |
Cheapest Car Insurance In Naples For Good Drivers: State Farm
At just $37 per month, GEICO offers the cheapest car insurance for safe drivers in Naples.
Good drivers can review the table below to compare affordable car insurance quotes.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $42 | $504 |
| Auto-Owners | $48 | $576 |
| GEICO | $52 | $624 |
| American Family | $59 | $708 |
| Progressive | $68 | $816 |
Find affordable Naples rates
Cheapest Car Insurance In Naples After A Speeding Ticket: State Farm
In Naples, drivers with a speeding violation can find budget-friendly coverage from State Farm, which averages $176 per month.
Refer to the table below to see how much insurance costs on average for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $77 | $925 |
| Erie | $87 | $1,042 |
| Auto-Owners | $94 | $1,130 |
| GEICO | $158 | $1,898 |
| USAA | $79 | $950 |
Cheapest For Drivers With After At-Fault Accident: State Farm
If you have an at-fault accident on your record, State Farm provides the cheapest car insurance, with an average cost of $193 per month.
The following insurance companies have the most affordable rates for drivers with an at-fault crash.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $84 | $1,010 |
| USAA | $91 | $1,090 |
| Auto-Owners | $103 | $1,230 |
| GEICO | $124 | $1,490 |
| Erie | $109 | $1,302 |
Cheapest Rates In Naples For Drivers After A DUI: State Farm
If you have a DUI in Naples, State Farm provides the cheapest insurance, with an average monthly premium of $188.
The table below highlights the lowest car insurance rates available for Naples drivers after a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $78 | $930 |
| Erie | $131 | $1,566 |
| USAA | $94 | $1,130 |
| Auto-Owners | $142 | $1,705 |
| GEICO | $158 | $1,900 |
Best Car Insurance Companies In Naples
AAA provides the lowest car insurance rate in Naples at $83 per month, with Progressive ($90) and GEICO ($93) as alternative choices.
This table highlights the top 10 car insurers in Naples, FL, ranked according to their average monthly premiums.
| Company | Monthly Premium |
| State Farm | $42 |
| Auto-Owners | $48 |
| GEICO | $52 |
| American Family | $59 |
| Progressive | $68 |
| Nationwide | $63 |
| Erie | $49 |
| Safeco | $66 |
| Allstate | $90 |
| Travelers | $98 |
Average Auto Insurance Rates In Naples – By Age
Insurance companies charge higher premiums to younger drivers due to their limited experience and greater accident risk. Teenagers, on average, pay about $7,599 per year for car insurance.
At 25, many drivers notice a drop in their insurance premiums, provided they have avoided accidents and violations.
The most budget-friendly car insurance rates usually go to drivers in their 50s and early 60s since insurers link age to risk and driving experience.
| Age | Average Yearly Rate |
| Teenagers | $2,432 |
| 20s | $1,569 |
| 30s | $1,094 |
| 40s | $1,074 |
| 50s | $991 |
| 60s | $970 |
| 70s | $1,066 |
Average Rates In Naples – By Vehicle
The cost of your car insurance is affected by the type of vehicle you own. Insurers consider things like model, year, and body type, with newer luxury cars often carrying higher premiums due to their value and repair costs.
Take a look at the table below to find out how much insurance costs for different vehicles in Naples.
| Vehicle | Average Monthly Rate |
| Chevrolet Impala | $98 |
| Ford Escape | $182 |
| Hyundai Sonata | $105 |
| Jeep Cherokee | $312 |
| Kia Rio | $92 |
Average Cost Of Auto Insurance In Naples – By Zip Code
Insurance companies rely on zip codes to estimate crime levels, which affects car insurance prices in different areas.
The table below shows the typical insurance rates for different areas of Naples by zip code.
| City | Average Monthly Rate |
| 45404 | $90 |
| 45449 | $81 |
| 45406 | $118 |
| 45414 | $90 |
| 45434 | $110 |
How Much Is Car Insurance In Other Cities in Ohio?
The city you reside in affects your car insurance costs. Higher accident, theft, and vandalism rates in urban areas often lead to increased premiums.
In Los Angeles, the average monthly car insurance premium is $243, while in San Diego, it’s just $176.
| City | Average Monthly Rate |
| Youngstown | $105 |
| Hamilton | $96 |
| Columbus | $118 |
| Lima | $92 |
| Groveport | $144 |
| Canton | $90 |
| Springfield | $80 |
| Akron | $100 |
| Cleveland | $117 |
| Cincinnati | $110 |
Find affordable Naples rates
Our Methodology
After reviewing customer service ratings, product selections, pricing, and online feedback, I’ve created a thorough assessment of Naples, FL car insurance providers.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Naples?
GEICO has the most affordable minimum coverage in Naples, while Progressive provides the lowest full coverage rates, covering both comprehensive and collision insurance.
What is the average cost of car insurance in Naples?
Expect to pay around $180 per month for car insurance in Naples, though your premium may be higher or lower depending on your location, car, and driving history.
