Cheapest Car Insurance In Naples, FL 2026
With an average monthly cost of $68, State Farm offers the lowest-priced minimum coverage in Naples.
We’ve saved shoppers an average of $600 per year on their car insurance.
State Farm and GEICO currently offer the cheapest car insurance rates in Naples, FL, with minimum coverage averaging around $117 per month for most drivers. Full coverage tends to run higher than the Florida state average, partly due to Naples’ coastal flood risk and above-average vehicle theft rates in Collier County.
Rates vary significantly based on your ZIP code, driving history, and coverage level, so the cheapest option for one Naples driver may not be the best fit for another.
What’s Changed In 2026?
- Recent severe weather events in Southwest Florida have led to increased comprehensive coverage premiums across Collier County.
- Several major insurers have tightened underwriting guidelines for new auto policies issued within coastal Naples zip codes.
- Carriers currently offer higher discounts for Naples residents who park vehicles in hurricane-resistant, enclosed garages.
Cheapest Car Insurance In Naples, FL 2026
Cheapest Liability-only Car Insurance In Naples: State Farm
At just $68 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 | $68 | $816 |
| Allstate | $117 | $1,404 |
| GEICO | $72 | $864 |
| Mercury | $155 | $1,860 |
| Progressive | $175 | $2,100 |
Cheapest Full Coverage Insurance Rates In Naples: GEICO
With an average monthly rate of $87, 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 | $87 | $1,044 |
| Travelers | $171 | $2,052 |
| Progressive | $254 | $3,048 |
| Allstate | $144 | $1,728 |
| National General | $259 | $3,108 |
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 $67.
The table below outlines the cheapest auto insurance options for seniors, based on average quotes.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $67 | $804 |
| Progressive | $121 | $1,452 |
| Allstate | $92 | $1,104 |
| Mercury | $123 | $1,476 |
| Travelers | $105 | $1,260 |
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 $148.
The table below outlines the insurance companies with the lowest rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $148 | $1,776 |
| Allstate | $211 | $2,532 |
| Travelers | $248 | $2,976 |
| Progressive | $302 | $3,624 |
| Mercury | $271 | $3,252 |
Cheapest Auto Insurance For Young Adults in Naples: Travelers
With an average monthly premium of $67, 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 | $67 | $804 |
| GEICO | $80 | $960 |
| State Farm | $72 | $864 |
| Nationwide | $95 | $1,140 |
| Allstate | $93 | $1,116 |
Cheapest Car Insurance In Naples For Good Drivers: State Farm
At just $66 per month, State Farm 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 | $66 | $792 |
| Allstate | $114 | $1,368 |
| GEICO | $70 | $840 |
| Mercury | $151 | $1,812 |
| Progressive | $171 | $2,052 |
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 $78 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 | $78 | $936 |
| Allstate | $138 | $1,656 |
| Direct Auto | $180 | $2,160 |
| Progressive | $208 | $2,496 |
| Foremost | $249 | $2,988 |
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 $82 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 | $82 | $984 |
| Travelers | $172 | $2,064 |
| Direct Auto | $194 | $2,328 |
| Mercury | $211 | $2,532 |
| Allstate | $145 | $1,740 |
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 $99.
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 | $99 | $1,188 |
| Allstate | $176 | $2,112 |
| Mercury | $225 | $2,700 |
| Progressive | $261 | $3,132 |
| Foremost | $301 | $3,612 |
Best Car Insurance Companies In Naples
State Farm provides the lowest car insurance rate in Naples at $66 per month, with GEICO ($70) and Allstate ($114) 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 | $66 |
| Allstate | $114 |
| GEICO | $70 |
| Mercury | $151 |
| Progressive | $171 |
| Travelers | $134 |
| Direct Auto | $149 |
| Dairyland | $223 |
| National General | $248 |
| Foremost | $197 |
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 | $11,869 |
| 20s | $6,913 |
| 30s | $4,550 |
| 40s | $4,107 |
| 50s | $3,702 |
| 60s | $3,399 |
| 70s | $3,894 |
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 | $102 |
| Ford Escape | $189 |
| Hyundai Sonata | $109 |
| Jeep Cherokee | $323 |
| Kia Rio | $95 |
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 | $93 |
| 34150 | $84 |
| 34102 | $122 |
| 34112 | $93 |
| 34106 | $114 |
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 $425, while in Gainesville, it’s just $259.
| City | Average Monthly Rate |
| St. Petersburg | $269 |
| Tampa | $408 |
| Pensacola | $271 |
| Jacksonville | $301 |
| Miami | $425 |
| Gainesville | $259 |
| Orlando | $334 |
| Fort Myers | $278 |
| Kissimmee | $269 |
| West Palm Beach | $420 |
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?
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 $187 per month for car insurance in Naples, though your premium may be higher or lower depending on your location, car, and driving history.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.