Cheapest Car Insurance In Naples, FL

If you’re looking for the best cheap car insurance in Naples, we would recommend State Farm.

min read
Updated: 02 May 2024
Written by
Bob Phillips
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Naples, as Florida’s most densely inhabited city, is commonly recognized as the “Crown of Southwest Florida.” The region attracts both those who’ve migrated from colder climates and the seasonal snowbirds who establish temporary abodes by the beach. Often referred to informally as “Nap,” this locale is also the hub for a plethora of automobiles, trucks, and other motor vehicles. If you’re on the lookout for Naples car insurance, and you desire a blend of affordability and top-notch coverage, you’ve found yourself in the right spot.

On average, auto insurance in Naples comes to approximately $2,234 per annum. This expense falls below Florida’s mean ($2,309), yet surpasses the national average of $1,548.

Within this assessment, we’ll guide you towards not only the cheapest overall choice (State Farm), but also the most budget-friendly option for comprehensive coverage (Travelers), the best-priced selection for minimum coverage (GEICO), the most suitable choice if you have traffic violations (USAA), and the most reasonably priced alternative for seniors (Progressive).

Cheapest And Best Car Insurance Companies In Naples, FL 2024

Cheapest Car Insurance, Naples 2024

Compare The Cheapest Car Insurance Companies In Naples, FL

Overall Rating Best For AM Best Rating Average Annual Cost J.D. Power Rating (Florida) Get A Quote
State Farm

Cheapest Overall




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Full Coverage




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Cheapest for Driving Violations


Increase after violation


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Cheapest Minimum Coverage




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Young Drivers




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Our Methodology

For discovering the most budget-friendly car insurance rates in Naples, we examined insights from various car insurance review platforms. Some of these platforms studied rates from public filings sourced through Quadrant Information Services. The rates we present here are an average derived from those findings. However, please note that the rates for each company undergo frequent changes and will differ depending on your unique circumstances.

Furthermore, the comprehensive rating considers my personal judgment, shaped by fifteen years of expertise as a licensed insurance agent, my residency in Florida for fourteen years, and more than three decades of procuring car insurance.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

Cheapest Car Insurance Companies In Naples, FL

Cheapest Overall

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

In our evaluation of the cheapest car insurance choices in Naples, Florida, our analysis highlights State Farm as a frontrunner in all aspects. Remarkably, their average rate, encompassing both minimum and full coverage, emerged as the cheapest overall.

With nearly a century’s experience in insuring vehicles, State Farm boasts the largest network of local neighborhood offices across the United States. It provides numerous appealing features and distinct choices that drivers can leverage:

A diverse range of coverage options: Drivers can opt for standard coverage and also access rental car reimbursement, roadside assistance, travel expense insurance, and rideshare coverage.

Telematics program: This initiative remotely monitors an insured individual’s driving behavior and rewards safe practices with discounted rates. The program is tailored to reduce costs particularly for those with limited driving experience.

Robust industry standing and customer service reputation: State Farm’s financial strength garners the highest AM Best rating (A++ Superior), coupled with impressive rankings in J.D. Power’s evaluations of insurers operating in Florida.

Benefits & Drawbacks

  • Discount for usage-based insurance
  • Wide availability of local agents across the country
  • Attractive discount opportunities for teens and students
  • Elevated annual rates for drivers with poor credit

Cheapest Overall Rates In Naples

Company Rate Per Year
State Farm $1,281
GEICO $1,430
Travelers $1,540
Nationwide $2,148
Farmers $2,335

Cheapest For Driving Violations

Overall Rating

Key Statistics

10/10 Affordability
10/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

If you’ve ever found yourself pulled over and handed a ticket, it’s highly likely that your auto insurance rates have surged, especially if you’re a younger driver. Moreover, the gravity of the offense (be it DUI, DWI, or reckless driving) often corresponds to a more substantial rate hike.

When it comes to moderating rate increases subsequent to a driver’s receipt of a speeding ticket, engagement in an at-fault accident, or a conviction for driving under the influence (DUI), USAA is notably lenient. Those holding a track record of driving infractions have encountered rate hikes with USAA, yet these increases are notably less pronounced than those imposed by other car insurers.

USAA supplies fundamental liability coverage, along with comprehensive and collision insurance, similar to other insurers. The company also furnishes popular supplementary auto insurance features, including roadside assistance, coverage for rental cars and travel-related reimbursements, and the boon of accident forgiveness.

However, it’s important to note that USAA caters exclusively to active military personnel, veterans, and their families.

Benefits & Drawbacks

  • Earns the highest J.D. Power rating for customer satisfaction
  • Functions as a convenient one-stop destination for insurance, investing, and banking products
  • Limited to offering insurance solely to veterans, active military personnel, and their family members

Cheapest For Rate Increase After A Driving Violation

Company Annual Increase
USAA $869
State Farm $1,551
Allstate $1,924
GEICO $1,983
MetLife $2,127

Cheapest For Full Coverage

Overall Rating

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claims/Payouts
8/10 Coverage Level

Why We Like Them

In our assessment of Naples’s car insurance landscape, Travelers emerged as the leader in providing the most cost-effective full coverage option. Full coverage, in this context, encompasses:

  • $100,000 bodily injury liability coverage per individual
  • $300,000 bodily injury liability coverage per accident
  • $50,000 property damage liability coverage per accident
  • $100,000 uninsured motorist bodily injury coverage per individual
  • $300,000 uninsured motorist bodily injury coverage per accident
  • Collision coverage with a $1,000 deductible
  • Comprehensive coverage with a $1,000 deductible

Travelers stands out prominently in the insurance sector, recognized as one of the industry’s eminent names. It secures a spot among the United States’ largest car insurance providers and garners favor from individuals seeking to collaborate with independent agents while consolidating their insurance needs under one provider.

Travelers differentiates itself in several aspects. Firstly, it extends gap insurance, safeguarding auto leases or loans in scenarios where a vehicle is declared totaled before it’s paid off or the lease concludes. Travelers bridges the gap between your loan’s balance and your car’s value in such circumstances.

Secondly, Travelers introduces the Responsible Driver Plan, which pardons one accident and one minor infraction over a stipulated timeframe. This provision ensures your rates remain unaffected following a traffic citation or accident.

Benefits & Drawbacks

  • Affordable rates for comprehensive coverage
  • Abundance of available coverage options
  • Rank among the largest insurance providers in the U.S.
  • Customer satisfaction ratings fall below the average
  • Absence of rideshare insurance in Florida

Cheapest Full Coverage In Naples

Company Rate Per Year
Travelers $1,530
State Farm $1,764
Allstate $1,680
Liberty Mutual $2,554
Bristol West $3,062

Cheapest For Minimum Coverage

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

In the realm of Naples, our findings reveal that GEICO stands as the provider of the most economical state minimum coverage on average. In Florida, the stipulation demands a minimum of $10,000 for property damage liability insurance and $10,000 for personal injury protection (PIP). Florida motorists are not bound to secure bodily injury liability coverage.

GEICO consistently garners commendable scores in areas such as customer service, claims processing, client recommendations, policy renewals, and customer allegiance. Holding the distinction of being the second-largest auto insurance company in the United States, GEICO is renowned for furnishing competitive rates to consumers via online platforms and phone interactions.

With a plethora of discounts at its disposal, GEICO emerges as the top choice for Naples drivers possessing older vehicles, as they seek to economize by adhering to Florida’s mandated minimum auto insurance coverage. Notably, you can effectively manage your policy via GEICO’s website and mobile application, both acclaimed for their user-friendly interface.

Benefits & Drawbacks

  • Achieves an J.D. Power score for customer satisfaction that surpasses the average
  • Features a strong website and mobile app
  • Offers numerous available discounts
  • Lacks gap or rideshare insurance options
  • Maintains a restricted number of local agents

Cheapest For Minimum Coverage

Company Rate Per Year
GEICO $829
State Farm $916
Allstate $1,272
Travelers $1,512
Mercury $1,632

Cheapest For Seniors

Overall Rating

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

In the context of Naples, senior drivers usually enjoy some of the most cost-effective car insurance rates, regardless of age. Our research pinpoints Progressive as the insurer offering the most affordable rates for this demographic.

Progressive holds its place as the third-largest auto insurance company nationwide, extending an extensive array of discounts and a diverse spectrum of coverage options. This includes specialized coverages like rideshare insurance and protection for pets injured in car accidents. Additionally, Progressive stands out by offering coverage types that many other insurers do not, such as gap and rideshare insurance.

Furthermore, Progressive demonstrates commitment to its long-standing policyholders. Those who’ve maintained their relationship with Progressive for five years or more without accidents are shielded from premium hikes when they file substantial claims. Customers can also consider adding accident forgiveness insurance to their policy, allowing them to have multiple accidents forgiven without penalties.

Benefits & Drawbacks

  • Holds the distinction of being the third-largest personal auto insurer in the U.S.
  • Assists in covering veterinary bills if your pet sustains injuries in a car accident
  • Provides coverage for rideshare use
  • Receives ratings for customer satisfaction from J.D. Power that fall below the average
  • Operates with availability from a confined number of agents

Cheapest Coverage For Seniors

Company Rate Per Year
Progressive $2,017
Travelers $2,261
Mercury $2,327
Safeco $2,458
Liberty Mutual $3,326

Cheapest For Young Drivers

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

Among the driving populace in Naples, young drivers encounter the steepest car insurance rates due to their limited experience behind the wheel and the heightened likelihood of involvement in accidents.

Undoubtedly, GEICO stands as the premier choice for young drivers in Naples, presenting the most economical rates with an average premium of $3,451. While this figure constitutes the lowest available for teens and those in their early twenties, it can still pose a financial challenge.

Thankfully, GEICO exhibits a commendable propensity for extending discounts. Young drivers have the opportunity to qualify for discounts like the good student discount, reaching up to 15%. Moreover, a safe-driver discount of up to 22% awaits those who maintain an accident-free record. A discount tailored for new vehicles, applicable to cars three model years old or newer, also enhances affordability.

For young drivers who have completed a driver’s education course at school or undertaken a defensive driving program, additional discounts are also on the table.

Benefits & Drawbacks

  • Offers elevated policy limits
  • Receives high acclaim for its mobile app
  • Boasts an A+ rating from the Better Business Bureau (BBB)
  • Does not provide gap insurance coverage
  • Operates with a confined number of local agents

Cheapest For Young Drivers

Company Rate Per Year
GEICO $5,124
Direct General $6,684
State Farm $5,334
MetLife $5,243
Progressive $8,572

Average Cost Of Car Insurance In Naples

Average Cost In Naples– By Age

Age Group Average Yearly Rate
Teenagers $6,488
20s $2,974
30s $2,266
40s $2,198
50s $2,042
60s $2,076
70s $2,549

Average Cost In Naples – By Gender

Gender Average Annual Rate
Male $2,262
Female $2,297

Average Cost In Naples – By Marital Status

Marital Status Average Annual Rate
Single $2,179
Married $2,175
Divorced $2,242
Widowed $2,185

Average Cost In Naples – By Accident And Violation History

Violation Average Annual Premium
DWI/DUI $3,273
Reckless Driving $3,359
At-Fault Accident (damage <$1,000) $3,048
At-Fault Accident (damage >$2,000) $3,063
Speeding (16-20 MPH > limit) $2,826

Average Cost In Naples – By Credit Tier

Very poor: $4,409
Fair: $2,781
Good: $2,248
Very good: $2,074
Exceptional: $1,852

Average Cost In Naples – By Zip Code

ZIP Code Average Rate
34110 $2,281
34104 $2,183
34119 $2,298
34114 $2,310
34103 $2,360
34102 $2,301

Minimum Car Insurance Requirements In Florida

During your pursuit of car insurance, it’s crucial to take into account the mandatory minimum coverage in Florida:

  • Property damage liability per accident: $10,000
  • Personal injury protection: $10,000

It’s important to acknowledge that these represent the baseline requirements in Florida. Depending on your vehicle and the extent of your road use, you might consider opting for higher limits and including collision and comprehensive coverage.

How To Buy Car Insurance In Naples

If you’re in the process of purchasing car insurance in Naples, adhering to these five steps will ensure a streamlined and hassle-free experience:

  1. Identify the suitable type of car insurance for your needs. Determine if you require minimum coverage, full coverage, or a middle-ground option. Account for your vehicle’s value and your annual driving mileage.
  2. Keep your personal and vehicle details at hand. Information like your driver’s license number, social security number, Vehicle Identification Number (VIN), and your vehicle’s current mileage will be necessary.
  3. Solicit quotes from a minimum of three companies. Ensure that you’re comparing quotes for comparable coverage levels and limits.
  4. Finalize your decision and proceed with purchasing your chosen policy. While it’s wise to not base your decision solely on price, remember that the most suitable carrier could also be the most economical.
  5. Make arrangements to terminate your existing policy. Your new insurance provider won’t handle the cancellation of your old policy, so it’s your responsibility. However, wait until you’re certain that your new coverage is active before cancelling the old one.

Factors That Impact The Cost Of Your Car Insurance Policy In Naples

Car insurance rates in Naples hinge on numerous factors, as insurance companies weigh the following elements:

State Regulations: Your policy must meet Florida’s minimum coverage prerequisites, which involve $10,000 in damage liability and $10,000 in personal injury protection (PIP).

Age: Younger drivers face higher premiums due to limited experience and a greater likelihood of accidents. Rates generally decrease after turning 25.

Vehicle Make and Model: Safer cars result in lower premiums. For instance, insuring a late-model Toyota Corolla is considerably less costly than a Chevrolet Corvette.

Driving History: Previous accidents and traffic violations can significantly elevate your rates, as they suggest a higher probability of future claims.

Annual Mileage: Those with lengthy commutes typically pay more than infrequent drivers.

Credit Score: A higher credit score corresponds to lower rates, as insurers have observed that individuals with better scores file fewer claims.

Location (Zip Code): Your workplace and overnight parking location influence your rates, with potential discounts or increases contingent on the likelihood of vandalism or damage.

Marital Status: Married drivers enjoy lower rates compared to their single counterparts.

Gender: Around age 45, men typically pay around 6% less than women of the same age. However, this gender disparity tends to balance out for drivers in their 30s.

Florida Car Insurance Laws To Know

In Florida, motorists must possess at least $10,000 in property liability insurance and $10,000 in personal injury protection (PIP) coverage.

Florida operates as a no-fault state, implying that no-fault insurance obliges insurance providers to handle medical expenses, irrespective of the party responsible for an accident.

In The News

As reported by the Dallas Morning News, individuals throughout Florida are currently grappling with financial challenges stemming from elevated costs in various sectors, including the most substantial inflation in four decades.

In addition to these concerns, Floridians are facing the most substantial yearly surge in auto insurance rates in over two decades. In 2022, auto insurance rates in Florida surged by an average of 23.8%, a spike eight times more significant than that witnessed in 2021. This represents the most significant yearly increase observed in a span of at least 20 years, as per data from the Florida Department of Insurance. Furthermore, homeowners insurance rates in Florida also experienced an average uptick of 10.8% in the past year, marking the most substantial annual rise since 2012.

Information About Naples

Naples is known for its burgeoning community, strong economic foundation, cultural diversity, recreational opportunities, and abundant natural beauty, making it a standout among the nation’s dynamic cities. While Naples doesn’t cover an extensive area like Naples, its appeal remains impressive.

Ranking among Florida’s notable cities, Naples offers an attractive lifestyle with a moderate cost of living. It provides residents with several tax advantages, including the absence of certain taxes like corporate franchise tax, state personal tax, inventory tax, and foreign income tax. The presence of educational institutions and the influence of nearby naval bases contribute to a diverse and skilled workforce.

Car Insurance Discounts In Naples

Auto insurance costs in Naples present a more budget-friendly option compared to some other prominent cities in Florida, such as Tampa and Miami. However, if you’re aiming to curtail expenses, exploring potential discounts becomes crucial. Here are some of the most prevalent discounts available:

  • Having a good driving history
  • Installing vehicle safety features
  • Customer loyalty
  • Being claims-free
  • Driving fewer than average miles
  • Being a student with at least a “B” average
  • Military discount
  • Senior discount


What is the cheapest car insurance in the State of Florida?

For Florida residents, GEICO takes the lead as the most economical choice for car insurance, offering a yearly rate of $829 for minimum liability coverage.

Do I need car insurance in Naples?  

Auto liability insurance is a legal necessity in Florida, mandating that drivers in Naples must ensure they possess this coverage.

How much does car insurance cost in Naples on average?  

For full coverage, Naples residents typically encounter an average annual car insurance cost of $2,234.

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