Cheapest Car Insurance In Naples, FL 2025

With an average monthly cost of $64, State Farm offers the lowest-priced minimum coverage in Naples.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 11 May 2025
Written by Bob Phillips
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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, State Farm is the most affordable. GEICO beats the competition for full coverage rates, while young drivers get the best prices from Travelers.

Cheapest Car Insurance In Naples, FL 2025

Cheapest Car Insurance, Naples 2025

Cheapest Liability-only Car Insurance In Naples: State Farm

At just $64 per month, State Farm 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 $64 $768
Allstate $110 $1,320
GEICO $68 $816
Mercury $146 $1,752
Progressive $165 $1,980

Cheapest Full Coverage Insurance Rates In Naples: GEICO

With an average monthly rate of $84, GEICO 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
GEICO $84 $1,008
Travelers $165 $1,980
Progressive $245 $2,940
Allstate $139 $1,668
National General $250 $3,000

Cheapest Car Insurance Rates For Seniors: State Farm

The cheapest car insurance option for seniors in Naples is State Farm, with an average monthly rate of $65.

The table below outlines the cheapest auto insurance options for seniors, based on average quotes.

Provider Average Monthly Cost Average Annual Cost
State Farm $65 $780
Progressive $117 $1,404
Allstate $89 $1,068
Mercury $119 $1,428
Travelers $101 $1,212

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 $143.

The table below outlines the insurance companies with the lowest prices for teenage drivers.

Provider Average Monthly Cost Average Annual Cost
State Farm $143 $1,716
Allstate $204 $2,448
Travelers $239 $2,868
Progressive $291 $3,492
Mercury $261 $3,132

Cheapest Auto Insurance For Young Adults in Naples: Travelers

With an average monthly premium of $65, Travelers 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
Travelers $65 $780
GEICO $77 $924
State Farm $69 $828
Nationwide $92 $1,104
Allstate $90 $1,080

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 $64 $768
Allstate $110 $1,320
GEICO $68 $816
Mercury $146 $1,752
Progressive $165 $1,980

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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 $75 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 $75 $900
Allstate $133 $1,596
Direct Auto $174 $2,088
Progressive $201 $2,412
Foremost $240 $2,880

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 $79 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 $79 $948
Travelers $166 $1,992
Direct Auto $187 $2,244
Mercury $204 $2,448
Allstate $140 $1,680

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 $96.

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 $96 $1,152
Allstate $170 $2,040
Mercury $217 $2,604
Progressive $252 $3,024
Foremost $290 $3,480

Best Car Insurance Companies In Naples

State Farm provides the lowest car insurance rate in Naples at $64 per month, with GEICO ($68) and Allstate ($110) 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 $64
Allstate $110
GEICO $68
Mercury $146
Progressive $165
Travelers $129
Direct Auto $144
Dairyland $215
National General $239
Foremost $190

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 $11,452 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 $11,452
20s $6,670
30s $4,390
40s $3,963
50s $3,572
60s $3,279
70s $3,757

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
34104 $90
34150 $81
34102 $118
34112 $90
34106 $110

How Much Is Car Insurance In Other Cities in Florida?

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 Miami, the average monthly car insurance premium is $410, while in Gainesville, it’s just $250.

City Average Monthly Rate
St. Petersburg $260
Tampa $394
Pensacola $261
Jacksonville $290
Miami $410
Gainesville $250
Orlando $322
Fort Myers $268
Kissimmee $260
West Palm Beach $405

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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.

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Quotes Analyzed

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Years Of Industry Experience

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Brands Reviewed

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Research Hours

FAQs

Who has the lowest car insurance rates in Naples?

State Farm has the most affordable minimum coverage in Naples, while GEICO 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.

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