8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Cheapest recent rates in Florida
Drivers using Insurify have found quotes as cheap as $78/mo for liability only and $80/mo for full coverage in Florida.
*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on March 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on March 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The overall average monthly cost for car insurance in Cape Coral is $234, which is less than the state average of $256.
The ninth-largest city in the state, Cape Coral has a population of more than 215,000 people. Motor vehicle theft rates in the area are lower than in larger cities, like Jacksonville, Miami, and Orlando, which might help explain the lower average car insurance rates in Cape Coral.
Here’s what you should know about finding cheap car insurance in Cape Coral.
Quick Facts
State Farm, GEICO, and Hugo offer Cape Coral drivers the cheapest car insurance rates.
Florida is a no-fault state, so you must file any bodily injury claims with your insurer, even when you don’t cause the accident.[1]
Cape Coral drivers pay $203 per month for liability coverage and $264 for full-coverage car insurance, on average.
Cheapest car insurance companies in Cape Coral
The best auto insurance company for you depends on your budget and insurance needs, but State Farm, GEICO, and Hugo offer some of the best cheap coverage options for drivers in Cape Coral.
Here’s what you need to know about three of the top insurers offering coverage in Cape Coral.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$73/mo
State Farm offers the most competitive car insurance rates in Cape Coral. Customers with insurance from State Farm can expect excellent customer service and high satisfaction, as indicated by the company’s high ranking in the J.D. Power 2023 U.S. Auto Insurance Study.
Pros
Discounts for safe drivers and young drivers
Most affordable average rates in Cape Coral
Cons
Doesn’t offer gap insurance
Drivers with violations pay more than expected
Craig - March 26, 2024
Verified
I called three times to talk with an agent, but he never called back. It was a very disappointing experience!
I called three times to talk with an agent, but he never called back. It was a very disappointing experience!
David - March 26, 2024
Verified
Considering Expanding Coverage
I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.
Beverly - March 26, 2024
Verified
Unsatisfactory Experience
A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$65/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$75/mo
As a well-known insurer with competitive rates and various discount options, GEICO is a top choice for drivers in Cape Coral. GEICO policyholders can earn reduced rates for bundling auto with other policies, like homeowners insurance, life insurance, renters insurance, and business insurance.
The company also earned an A++ (Superior) financial strength rating from AM Best, which indicates that the company can afford to pay claims.
Pros
Multiple discount options
Option to bundle policies
Cons
Doesn’t offer gap insurance
Limited add-on coverage options
Radera - March 26, 2024
Verified
Don't Recommend
I wouldn't recommend them. They seem to look for any reason to cancel your policy.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$70/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$80/mo
Hugo offers on-demand coverage for drivers in Cape Coral, which is helpful since a relatively high proportion of residents work from home and might not need regular access to a car.
Drivers can buy coverage for different lengths of time, from three days to six months. If you have a Flex plan, you can pause coverage when you don’t need it. The flexibility helps ensure that drivers pay the lowest rates possible.
Pros
Coverage options for less than one week
Can pause coverage as needed
Cons
On-demand coverage only for liability plans
Minimal discounts available
Ronald - March 8, 2024
Verified
Hugo gradually increases prices like other insurance companies
I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.
How to get the cheapest car insurance in Cape Coral
Your age, ZIP code, credit, and driving history affect how much you pay for car insurance. Even though you can’t control a number of factors, you can lower your coverage costs in a few different ways:[2]
Check for discounts. Most insurance companies offer driver discounts that can help you save 10% or more. Most auto insurance agents inform you about discounts before you finalize the car insurance policy, but it’s worth it to double-check and ask what discounts you qualify for.
Comparison shop. Comparing quotes from at least three insurers is the most effective way to find the lowest car insurance rates available to you.
Increase your deductible. Your deductible is the amount you pay when you file a claim. You agree to pay more for claims when you raise your deductible. As a result, your monthly premium decreases. It’s a great way to lower costs, as long as you select a deductible amount you can afford.
Find Cheap Car Insurance in Cape Coral, FL
Liability rates start at $63 per month
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Cheapest liability-only car insurance in Cape Coral: State Farm
Florida drivers must carry liability car insurance, which helps pay for your injuries and the other driver’s vehicle repairs when you cause an accident. The coverage doesn’t help pay for any of your car repairs.[3]
State Farm offers the cheapest liability-only coverage in Cape Coral, with a cost of $63 per month.
Here are the best insurers for liability-only coverage in the city.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
63
GEICO
65
Hugo
70
Allstate
110
Safeco
121
Mile Auto
122
Travelers
131
Mercury
136
Liberty Mutual
144
Direct Auto
146
Midvale Home & Auto
163
Progressive
165
Infinity
186
Foremost
195
Dairyland
197
AssuranceAmerica
216
Bristol West
255
National General
284
The General
292
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Cape Coral: State Farm
Full-coverage car insurance includes liability, comprehensive, and collision coverages. It helps pay for vehicle repairs for you and the other driver when you cause an accident. The insurance policy also covers vehicle damage from a non-collision incident, like theft or severe weather.
Most insurance experts recommend purchasing a full-coverage policy, and you may need it if you have a vehicle loan or lease. You may not need it if you have an old or inexpensive car.
Cape Coral drivers can find the cheapest full-coverage policy with State Farm. The following insurers also offer competitive pricing for full-coverage insurance.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
73
GEICO
75
Hugo
80
Allstate
127
Travelers
153
Mercury
160
Safeco
165
Mile Auto
170
GAINSCO
200
Infinity
217
Liberty Mutual
219
Midvale Home & Auto
234
Direct Auto
235
Progressive
235
National General
286
Foremost
287
AssuranceAmerica
294
Dairyland
351
Bristol West
365
The General
414
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Florida
Drivers in the state of Florida must meet the minimum legal requirement for personal injury protection (PIP) and property damage coverage.[4]
Florida is a no-fault state, which means that both drivers need to file claims with their auto insurance companies after an accident. This can make insurance more expensive for Florida drivers because insurers need to process additional claims each year.
Here’s how much auto insurance coverage you need as a driver in Florida:
You should consider purchasing additional coverage beyond Florida’s minimum requirements. Here are some common optional coverage add-ons:
Comprehensive coverage
When a non-collision incident damages your vehicle, a comprehensive policy can help cover the repair or replacement costs. It includes coverage for theft, natural disasters, and more.
Collision coverage
If you hit another car or object, a collision policy pays for your vehicle repairs.
Uninsured/underinsured motorist coverage
If an uninsured driver causes an accident, you typically have to pay for repair costs or sue the driver. Uninsured/underinsured motorist coverage provides for your vehicle repairs.
Cheapest car insurance for drivers with an incident
Your driving record significantly affects your car insurance rates. Having incidents like at-fault accidents,speeding tickets, and driving under the influence violations on your record can cause your rates to increase. Car insurance companies use driving records to determine risk, and past incidents indicate that you’re a high-risk driver who might file a claim in the future.[5] So, insurers increase rates.
Cape Coral drivers with a past incident on their record pay an average of $275 per month for car insurance. Here are the best options for drivers with an incident in Cape Coral.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
State Farm
63
72
78
95
GEICO
65
76
81
98
Hugo
70
90
88
99
Allstate
110
128
137
166
Safeco
121
156
167
183
Mile Auto
122
163
177
184
Travelers
131
155
166
198
Mercury
136
184
197
211
Liberty Mutual
144
181
195
218
Direct Auto
146
176
190
221
Progressive
165
200
216
249
Infinity
186
225
226
281
Dairyland
197
237
252
298
AssuranceAmerica
216
272
285
326
Bristol West
255
302
318
385
National General
284
332
362
429
The General
292
352
378
441
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Insurance companies consider your age when determining rates. Due to inexperience and reckless driving habits, teenagers pay the highest premiums for car insurance. Between the ages of 35 and 70, drivers typically see rates decrease with age. Drivers can expect to earn the lowest rates near retirement age, but costs tick up again for senior drivers older than 70.
Here are the average car insurance costs in Cape Coral by age.
Age
Average Monthly Quote
Teens
$404
20s
$291
30s
$253
40s
$243
50s
$223
60s
$205
70s
$211
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Cape Coral
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Cape Coral car insurance quotes by credit tier
Yourcredit history can also affect how much you pay for coverage in Florida. Insurers use credit-based insurance scores as another measure of risk, with lower scores indicating higher levels of risk.
Here are average full-coverage quotes for car insurance in Cape Coral for each credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The overall average cost of car insurance in Cape Coral is $234 per month. Drivers in Cape Coral pay $203 per month for liability coverage and $264 for full-coverage insurance, on average. Your specific premium will depend on your driving record, age, credit history, and more.
Who has the cheapest car insurance in Cape Coral?
The best way to find cheap coverage is to compare quotes from multiple auto insurers at once. The cheapest car insurance company in Cape Coral is State Farm, which has a liability car insurance rate of $63 per month. GEICO and Hugo also offer cheap coverage, with liability coverage rates of $65 and $70 per month, respectively.
What are the best car insurance companies in Cape Coral?
With a high Insurify Quality (IQ) Score of 4.4 out of 5, an A++ (Superior) financial strength rating from AM Best, and customizable coverage, State Farm is the best car insurance company in Cape Coral. On average, Florida drivers with insurance from State Farm pay $80 per month for full-coverage insurance and $69 for liability coverage. GEICO and Hugo are two of the city’s other best options.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.