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Cheap Auto Insurance Quotes in Cape Coral, FL (January 2022)

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Last Updated: January 2022
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Car Insurance in Cape Coral, FL

The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Cape Coral, FL to find you the cheapest quotes in the area.
$79
$161
$189
$190
$228
ProgressiveTravelersState FarmDirect AutoMercury

Cheapest Car Insurance in Cape Coral, FL

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$323
$210
$455
$482
$234
$234
FloridaJacksonvilleMiamiTampaOrlandoCape Coral
Click here to learn about car insurance quotes and save on your current policy.

Cape Coral, FL Driving Facts

florida

Minimum Car Insurance Requirements in FL

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:

  • $10,000 no-fault or personal injury protection (PIP) insurance

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000.  In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.

  • $10,000 property damage liability (PDL) insurance

The state minimum amount of property damage liability coverag  required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.

Find local Cape Coral agents

Ample Insurance LLC
3013 Del Prado Blvd Ste 12, Cape Coral, FL 33904
Brower Insurance Agency, Inc.
1510-5 Hancock Bridge Parkway, Cape Coral, FL 33990
Gulf Harbor Insurance
4414-4 S Del Prado Blvd, Cape Coral, FL 33904
Flagler Insurance Agency
1480 NE Pine Island Road, Cape Coral, FL 33991
Galezano Insurance LLC
1408 SE 17th Ave Ste D, Cape Coral, FL 33990
Premier Insurance Corporation, Inc.
1326 Cape Coral Pkwy E Ste 1, Cape Coral, FL 33904
Allied Insurance Management, Inc.
1617 Santa Barbara Blvd, Cape Coral, FL 33991
Schuman Family Insurance
1216 Sw 4th st, Cape Coral, FL 33991
Cape Coral Insurance Center, Inc.
4825 Coronado Pkwy, Cape Coral, FL 33904-9516
TMC Enterprises of SW FL dba Monteagle Insurance Services, Inc.
4210 Del Prado Blvd S , Cape Coral, FL 33904-7211

Insurify Insights: How Cape Coral Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Cape Coral, FL
suspended licenses
#129
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Cape Coral drivers measure up to their fellow Florida motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Cape Coral

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Cape Coral drivers rank 87 in the number of car accidents per driver across all cities in Florida.

  • Rank within state: #87
  • Percent of drivers in Cape Coral with an accident: 9.24%
  • Drivers in Cape Coral, FL with an accident in their driving history paid on average 40.57% more than drivers with a clean record

Speeding in Cape Coral

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Cape Coral drivers rank 97 in the number of speeding infractions per driver.

  • Rank within state: #97
  • Percent of drivers in Cape Coral with a speeding ticket: 6.74%
  • Drivers in Cape Coral, FL with a speeding ticket in their driving history paid on average 20.75% more than drivers with a clean record

DUI/DWIs in Cape Coral

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Cape Coral drivers rank 30 in the number of DUI’s per driver across all cities in Florida.

  • Rank within state: #30
  • Percent of drivers in Cape Coral with a DUI: 1.23%
  • Drivers in Cape Coral, FL with a DUI in their driving history paid on average 19.81% more than drivers with a clean record

Most Popular Vehicle in Cape Coral

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Cape Coral is the Honda Accord.

Rude Drivers in Cape Coral

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Cape Coral drivers rank 48 in rude driving infractions.

  • Rank within state: #48
  • Percent of drivers in Cape Coral with a reckless driving violation: 2.12%
  • Drivers in Cape Coral, FL with a reckless driving violation in their driving history paid on average 31.6% more than drivers with a clean record.

Safest Drivers in Cape Coral

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Cape Coral drivers rank 39 in clean driving records across all cities in Florida.

  • Rank within state: #39
  • Percent of drivers in Cape Coral with clean record: 84.25%

Failure to Yield the Right of Way in Cape Coral

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Cape Coral drivers rank 70 in failure to yield violations per driver across all cities in Florida.

  • Rank within state: #70
  • Percent of drivers in Cape Coral with a failure to yield violation: 0.24%
  • Drivers in Cape Coral, FL with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Cape Coral

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Cape Coral drivers rank 14 in the number of reckless driving offenses per driver.

  • Rank within state: #14
  • Percent of drivers in Cape Coral with a reckless driving offense: 0.24%

Hybrid/Electric Vehicle Ownership in Cape Coral

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Cape Coral drivers rank 77 in hybrid and electric vehicle ownership across all cities in Florida.

  • Rank within state: #77
  • Percent of drivers in Cape Coral with a hybrid/electric vehicle: 0.94%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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