Cheapest Auto Insurance in Naples, Florida (2026)
State Farm offers the cheapest rates in Naples, starting at $97 per month.
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Written byAlani Asis
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Alani AsisFreelance Personal Finance and Insurance Writer
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Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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Table of contents
Naples is home to nearly 20,000 people.[1] This makes it significantly less populated than many of Florida’s larger cities, and that’s good news from an insurance standpoint.
Cities with fewer residents usually have less traffic congestion and accidents. This could explain why Naples’ total monthly average car insurance cost is $165, less than Florida’s monthly average of $183.
However, while rates in Naples are already below the state average, you can cut your insurance costs even more by comparing quotes from multiple insurers.
Quick Facts
Florida allows insurers to review your credit history when determining your rates.
State Farm, Mile Auto, and Progressive offer the most affordable car insurance policies in Naples.
Florida requires drivers to carry personal injury protection and property damage liability coverage.
Cheapest car insurance companies in Naples
The right auto insurance company for you will depend on your specific needs, budget, and individual situation. The best way to find your ideal policy is to compare quotes from several insurers. As you begin your search, you’ll find three leading insurers here, including their statewide average quotes for full and liability coverage.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| USAA | 9.1 | $78 | $67 | Military members |
| State Farm | 9.3 | $115 | $106 | Teen drivers |
| GEICO | 9.2 | $179 | $159 | Drivers with an incident |
Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $53/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. | $100/mo |
4.9
Best choiceBased on 2,956 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,449)
Charles
Verified Review
Costs Too Much
Reviewed in Florida on February 16, 2026
Great insurance, except they are twice the price of everyone else. Lots of discounts, but without the discounts, they are four times as much as other insurance companies. Basically, the only thing wrong with them is the price.
David
Verified Review
An Insurance Company in Decline
Reviewed in North Carolina on February 15, 2026
They use computers extensively without regard to driving history, etc. There is no one to discuss how a rate can be adjusted, as the computer decides everything. In essence, there is no human underwriting.
Russell
Verified Review
Good insurance - Super expensive premiums
Reviewed in Florida on February 14, 2026
The product is good. The price is not. Very expensive. The service is excellent, but the insurance is expensive. Customer service is very good, but the price is expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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).
A++Why we picked this company
Florida is home to nearly 300,000 military-affiliated members.[2] Active-duty members, veterans, and their families trust USAA for its highly rated customer service and military-focused benefits. If you’re a member of the military, it pays to consider USAA. The insurer has several benefits exclusive to military members like you.
Pros
Affordable car insurance premiums
SafePilot program offers 30% savings for good driving
Cons
Only available to military members, families, and veterans
Customer service not available 24/7
Best insurer for teen drivers: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $97/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. | $105/mo |
4.0
Best choiceBased on 15,019 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (7,044)
Claude
Verified Review
Average
Reviewed in New York on February 16, 2026
Fine. But the price keeps going up. Looking for better value insurance.
Michael
Verified Review
Overcharged
Reviewed in Indiana on February 16, 2026
My rates kept going up and up with fewer vehicles.
Shirley
Verified Review
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
Reviewed in South Carolina on February 16, 2026
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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).
A++Why we picked this company
In Florida, teens can earn their learner’s permit at 15. And when it comes time to get their own insurance, teens pay some of the highest rates on the market. Luckily, State Farm offers discounts for good grades and safe driving to lower the insurance costs for teens.
Pros
Above-average ratings from J.D. Power
Many discount opportunities for teens
Cons
Limited coverage options
Premiums may be high for drivers with violations
Best insurer for drivers with an incident: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $145/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. | $163/mo |
4.0
Best choiceBased on 15,321 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (7,316)
Steven
Verified Review
Greedy and we need to find a solution.
Reviewed in New Jersey on February 16, 2026
Our rates doubled within a few years, even though we have a clean driving record.
James
Verified Review
I have had to make two customer service calls, and they were great! The app is very easy to navigate and understand.
Reviewed in Florida on February 16, 2026
I have had to make two customer service calls, and they were great! The app is very easy to navigate and understand.
Susan
Verified Review
Too Expensive
Reviewed in Florida on February 16, 2026
Too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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).
A++Why we picked this company
Florida drivers pay some of the highest car insurance rates in the country, and you can expect even higher rates if you have violations on your record. Fortunately, GEICO offers SR-22 and FR-44 filings for drivers as well as various discounts to lower your insurance bill.
Pros
Above-average ratings from J.D. Power
Wide array of discount and coverage options
Cons
Limited agent network
Gap insurance unavailable
How to get the cheapest car insurance in Naples
A variety of factors influence your insurance costs, including your location, age, driving history, and more. Fortunately, you have ways to reduce your auto insurance rates:
Compare quotes. Gathering at least three quotes from different insurance companies based on your needed coverages can help reduce your costs. Use a price-comparison platform to easily compare insurers against one another.
Explore discounts. Stacking insurance discounts can lower your costs significantly. Each year, check in with your insurance agent to see if you qualify for any new discounts.
Bundle policies. You can reduce your overall insurance costs by bundling insurance products from the same company. For example, you can bundle your auto policy with your homeowners, renters, or life insurance policy.
Choose a higher deductible. You must pay a deductible before your insurance company covers certain claims. By choosing a higher deductible, you can lower your insurance premium because you’re taking on more of the up-front risk yourself.
Maintain a clean driving record. Avoiding speeding tickets, accidents, and other moving violations will keep your insurance costs low.
Find Cheap Car Insurance in Naples, Florida
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Cheapest liability-only car insurance in Naples: State Farm
In Florida, liability car insurance pays for the other driver’s property repairs after an accident you cause. It also pays for your injuries. This coverage doesn’t pay for any damage to your vehicle, however.
The average cost of liability insurance in Naples is $136 per month. You can find more affordable insurance companies for liability-only policies in Naples in the table below.
The below rates in Naples, FL, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $97 |
| Mile Auto | $118 |
| Progressive | $128 |
| GAINSCO | $131 |
| Direct Auto | $141 |
| Mercury | $144 |
| GEICO | $145 |
| The General | $157 |
| Bristol West | $161 |
| Infinity | $162 |
| National General | $165 |
| AssuranceAmerica | $167 |
| Allstate | $169 |
| Travelers | $201 |
| Root | $206 |
| Dairyland | $271 |
| Liberty Mutual | $297 |
Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Naples: State Farm
While liability-only insurance pays for the other party’s property repairs, a full-coverage policy covers these expenses and your damages. A full-coverage policy offers more protection, so it’s an excellent option for people who drive frequently, drive expensive cars, or have a loan on their vehicle.
On average, full-coverage car insurance costs $194 per month in Naples. You can see a collection of quotes from area insurers in the table below.
The below rates in Naples, FL, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $105 |
| Mile Auto | $153 |
| GEICO | $163 |
| Progressive | $167 |
| Mercury | $174 |
| Allstate | $183 |
| Direct Auto | $192 |
| National General | $193 |
| Travelers | $218 |
| Bristol West | $220 |
| The General | $234 |
| Infinity | $237 |
| GAINSCO | $245 |
| AssuranceAmerica | $266 |
| Root | $268 |
| Liberty Mutual | $297 |
| Dairyland | $444 |
Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Florida
Florida is a no-fault state, meaning insurance companies pay for their own policyholder’s medical expenses after a car accident. Drivers must purchase this auto insurance for injuries, lost wages, and related expenses, commonly known as personal injury protection (PIP). The table below illustrates the minimum coverages required in Florida.
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
While liability coverage allows you to meet minimum state requirements, you may want to consider enhancing your coverage with any of the following options:
Bodily injury liability coverage
While Florida doesn’t require this coverage, a driver can still sue you for medical expenses if their PIP coverage isn’t enough.
Collision coverage
If you’re in a car accident, collision insurance pays for your vehicle damages, regardless of fault. A full-coverage policy includes this coverage.
Comprehensive coverage
Comprehensive insurance will pay for repairs if your car sustains damages due to theft, vandalism, natural disasters, or other non-collision incidents. A full-coverage policy includes this coverage.
Uninsured/underinsured motorist coverage
Suppose another driver is at fault in an accident and doesn’t have enough insurance or any insurance at all. In that case, uninsured/underinsured motorist coverage supports you so you don’t have to pay out of pocket for your medical bills or car repairs.
Cheapest recent rates near Naples, Florida
Recent Naples, Florida car insurance prices for Ford, Mazda, Nissan , and more.
*Quotes generated for Insurify users in and around Naples, Florida within the last 10 days. Last updated on February 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 February 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Naples, Florida within the last 10 days. Last updated on February 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 February 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance for drivers with an incident
Driving incidents include speeding tickets, driving under the influence, at-fault accidents, and other moving violations, and having any of these on your record can cause your insurance rates to increase dramatically. In fact, Florida drivers with an at-fault accident can expect to pay 43% more for car insurance than drivers with a clean record.
In the sections that follow, you’ll see how incident types can affect your car insurance rates.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Insurers see drivers with a speeding ticket as more likely to engage in behavior that leads to a car accident. So, to offset the risk you pose as a driver, insurers increase your auto insurance rates.
You can expect to pay a total average rate of $191 per month with a speeding ticket on your record, and the table below shows how quotes from different insurers adjust after a ticket.
The below rates in Naples, FL, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $97 | $118 |
| Mile Auto | $118 | $139 |
| Progressive | $128 | $148 |
| GAINSCO | $131 | $150 |
| Direct Auto | $141 | $170 |
| Mercury | $144 | $194 |
| GEICO | $145 | $182 |
| The General | $157 | $202 |
| Bristol West | $161 | $195 |
| Infinity | $162 | $198 |
| National General | $165 | $197 |
| AssuranceAmerica | $167 | $204 |
| Allstate | $169 | $212 |
| Travelers | $201 | $251 |
| Root | $206 | $264 |
| Dairyland | $271 | $323 |
| Liberty Mutual | $297 | $363 |
Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
An at-fault accident indicates to insurance companies that you’re more likely to be involved in an accident in the future. Because insurers see you as a riskier driver, they’ll assign higher rates for your insurance policy.
The total average rate for drivers with an accident on their record in Naples is $207 per month, and the table below shows how an accident can increase quotes compared to drivers with a clean record.
The below rates in Naples, FL, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $97 | $125 |
| Mile Auto | $118 | $155 |
| Progressive | $128 | $161 |
| GAINSCO | $131 | $163 |
| Direct Auto | $141 | $188 |
| Mercury | $144 | $212 |
| GEICO | $145 | $183 |
| The General | $157 | $211 |
| Bristol West | $161 | $206 |
| Infinity | $162 | $204 |
| National General | $165 | $213 |
| AssuranceAmerica | $167 | $217 |
| Allstate | $169 | $220 |
| Travelers | $201 | $263 |
| Root | $206 | $268 |
| Dairyland | $271 | $347 |
| Liberty Mutual | $297 | $385 |
Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is considered to be among the most serious driving offenses. In Florida, residents with a DUI usually have to get an SR-22 or FR-44 certificate to drive.
Many insurers won’t insure someone with a DUI on their record. Those who do usually charge a significantly higher rate.
The overall average rate for drivers with a DUI on their record in Naples is $233 per month. Here, you can see a collection of insurers that insure drivers with a DUI on their record.
The below rates in Naples, FL, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $97 | $139 |
| Mile Auto | $118 | $170 |
| Progressive | $128 | $181 |
| GAINSCO | $131 | $188 |
| Direct Auto | $141 | $203 |
| Mercury | $144 | $217 |
| GEICO | $145 | $208 |
| The General | $157 | $226 |
| Bristol West | $161 | $231 |
| Infinity | $162 | $233 |
| National General | $165 | $237 |
| AssuranceAmerica | $167 | $240 |
| Allstate | $169 | $243 |
| Travelers | $201 | $289 |
| Root | $206 | $299 |
| Dairyland | $271 | $390 |
| Liberty Mutual | $297 | $427 |
Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
While insurance rates decrease around age 35, they increase again around 70. Seniors typically see higher rates because of age-related conditions that may impair driving abilities and the likelihood that an accident involving a senior will lead to high medical costs.
The total average rate for senior drivers is $148 per month. The following companies offer the cheapest car insurance quotes for senior drivers in Naples.
The below rates in Naples, FL, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $78 | $84 |
| Mile Auto | $95 | $123 |
| GAINSCO | $113 | $212 |
| Progressive | $115 | $150 |
| Direct Auto | $116 | $158 |
| Mercury | $118 | $142 |
| GEICO | $118 | $132 |
| Infinity | $121 | $177 |
| National General | $132 | $155 |
| AssuranceAmerica | $133 | $213 |
| The General | $135 | $200 |
| Bristol West | $137 | $187 |
| Allstate | $140 | $152 |
| Travelers | $164 | $178 |
| Root | $176 | $229 |
| Dairyland | $235 | $386 |
| Liberty Mutual | $253 | $253 |
Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teens tend to pay the highest insurance rates of any age group. This is because insurers classify teenagers as high-risk drivers due to their lack of experience on the road and the increased likelihood they will engage in dangerous driving behaviors, like distracted driving.
Luckily, teens can lower their insurance costs by staying on their parents’ policy, buying a safe car, and getting good grades in school.
The overall average rate for teen drivers in Naples is $285 per month.
The below rates in Naples, FL, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $184 | $199 |
| Progressive | $221 | $288 |
| GAINSCO | $235 | $439 |
| Mile Auto | $238 | $308 |
| GEICO | $253 | $285 |
| Mercury | $260 | $314 |
| Direct Auto | $266 | $362 |
| The General | $268 | $399 |
| Bristol West | $280 | $383 |
| Infinity | $295 | $431 |
| Allstate | $327 | $354 |
| National General | $327 | $382 |
| AssuranceAmerica | $339 | $539 |
| Root | $347 | $451 |
| Travelers | $408 | $442 |
| Dairyland | $445 | $729 |
| Liberty Mutual | $510 | $510 |
Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.
Naples car insurance quotes by credit tier
Florida allows insurers to review your credit history in determining your insurance rates. As such, drivers with excellent or good credit usually see lower insurance rates. On the other hand, drivers with poor credit see higher rates.
The table below shows how your credit affects the quotes you can expect to see in Naples.
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.
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Is car insurance more expensive in Naples?
Naples, like most cities on the coast of Florida, is susceptible to hurricanes and strong winds. This is why the cost of car insurance in Naples is significantly more than the national monthly average cost of car insurance of $136.
More cities in Florida
While car insurance in Naples exceeds the national average, rates are cheaper here than in many other Florida cities.
The table below illustrates car insurance quotes in various cities in Florida.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Apopka | $160 | $223 |
| Cape Coral | $156 | $196 |
| Clearwater | $164 | $200 |
| Daytona Beach | $149 | $201 |
| Fort Lauderdale | $186 | $222 |
| Fort Myers | $146 | $194 |
| Gainesville | $131 | $180 |
| Jacksonville | $163 | $206 |
| Miami | $204 | $260 |
| Orlando | $182 | $229 |
| Tampa Bay | $205 | $262 |
Disclaimer: Table data is based on real-time Naples quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Naples car insurance FAQs
Looking for more information to help you find the most affordable car insurance in Naples? The following answers can help.
How much is car insurance in Naples?
The overall average rate for car insurance in Naples is $165 per month. This exceeds the national average of $136 but is still below the rates paid in many other cities in Florida.
Who has the cheapest car insurance in Naples?
State Farm offers the cheapest car insurance in Naples, at $97. Mile Auto and Progressive also offer cheap car insurance in Naples, at $118 and $128 per month, respectively.
What are the best car insurance companies in Naples?
USAA, State Farm, and GEICO are among the leading insurers in the Naples area. These insurers are widely recognized for their financial stability, customer service, and ability to offer competitive rates in the Naples market.
Who has the lowest car insurance in Florida?
State Farm offers the lowest-cost coverage in Florida. However, you can also find low rates from Mile Auto and Progressive.
What is the average cost of car insurance per month in Florida?
The average cost of car insurance in Florida is $183 per month, exceeding the national average of $136 per month. Florida is one of the most expensive states in the nation for car insurance, making it important for Naples-area drivers to save money whenever they can.
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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Sources
- Florida Demographics by Cubit. "Florida Cities by Population."
- Military State Policy Source. "Florida."
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Alani AsisFreelance Personal Finance and Insurance Writer
Alani Asis is a personal finance freelance writer with more than four years of experience. She’s written about insurance, investing, and other personal finance topics for leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.