Cheapest Auto Insurance in Naples, Florida (2024)

State Farm offers the cheapest rates in Naples, starting at $61 per month.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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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Updated July 14, 2024

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Cheapest recent rates near Naples, Florida

Recent Naples, Florida car insurance prices for Ford, Audi, Chevrolet , and more.

*Quotes generated for Insurify users in and around Naples, Florida within the last 10 days. Last updated on July 11, 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 July 11, 2024. 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 July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $200, less than Florida’s monthly average of $234.

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, GEICO, and Hugo 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 CompanyIQ 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 CoverageLiability OnlyBest For
USAA9.4$78$67Military members
State Farm9.3$83$71Teen drivers
GEICO9.0$86$73Drivers with an incident
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.
  • 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.7
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.
9.4/10
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.
$46/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

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

Read more driver reviews of USAA
Jane - July 14, 2024
Verified

Easy

Great

Ann - July 13, 2024
Verified

Mediocre Company

They are requiring us to cover our house for more than we feel is necessary. Their deductible for hail damage is $10,000 and the premiums are high.

Laurence - July 13, 2024
Verified

Greed and Lack of Respect

It's almost impossible to reach them by phone. They are rapidly raising rates without cause, despite my loyalty of over 58 years.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
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.
$61/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.
$71/mo

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

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.

Best insurer for drivers with an incident: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
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.
9.0/10
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.
$62/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.
$74/mo

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

Read more driver reviews of GEICO
Scott - July 14, 2024
Verified

Harley Davidson for an Old Man

I feel safe with my motorcycle.

Andrew - July 14, 2024
Verified

Policy Cancelled for Illegitimate Reason

I would definitely recommend setting up your policy over the phone with a representative, or in person if possible.

Patricia - July 14, 2024
Verified

Too Expensive!

I had one accident and my monthly rate jumped from $80.00 to $242.00. Not good!

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 $170 per month. You can find more affordable insurance companies for liability-only policies in Naples in the table below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$61
GEICO$62
Hugo$66
Mile Auto$105
Allstate$106
Safeco$119
Mercury$126
Travelers$126
Liberty Mutual$131
Direct Auto$135
Midvale Home & Auto$154
Progressive$157
Infinity$162
Foremost$179
Dairyland$187
GAINSCO$189
AssuranceAmerica$209
Bristol West$224
National General$254
The General$269
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 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 $230 per month in Naples. You can see a collection of quotes from area insurers in the table below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$71
GEICO$74
Allstate$124
Safeco$144
Mile Auto$146
Travelers$147
Mercury$152
GAINSCO$209
Hugo$220
Liberty Mutual$221
Progressive$222
Infinity$226
Midvale Home & Auto$231
Direct Auto$244
National General$264
Foremost$272
Dairyland$329
AssuranceAmerica$332
Bristol West$332
The General$390
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

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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 Chevrolet, Nissan, Ford , and more.

*Quotes generated for Insurify users in and around Naples, Florida within the last 10 days. Last updated on July 11, 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 July 11, 2024. 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 July 11, 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 July 11, 2024. 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 $240 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$61$72
GEICO$62$74
Hugo$66$83
Mile Auto$105$132
Allstate$106$125
Safeco$119$143
Mercury$126$161
Travelers$126$151
Liberty Mutual$131$172
Direct Auto$135$160
Midvale Home & Auto$154$190
Progressive$157$187
Infinity$162$201
Foremost$179$234
Dairyland$187$223
GAINSCO$189$248
AssuranceAmerica$209$253
Bristol West$224$264
National General$254$300
The General$269$323
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 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 $263 per month, and the table below shows how an accident can increase quotes compared to drivers with a clean record.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$61$78
GEICO$62$80
Hugo$66$82
Mile Auto$105$145
Allstate$106$136
Safeco$119$148
Mercury$126$172
Travelers$126$162
Liberty Mutual$131$183
Direct Auto$135$177
Midvale Home & Auto$154$209
Progressive$157$204
Infinity$162$204
Foremost$179$251
Dairyland$187$239
GAINSCO$189$232
AssuranceAmerica$209$267
Bristol West$224$283
National General$254$328
The General$269$351
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 car insurance for drivers with a DUI: Hugo

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 $303 per month. Here, you can see a collection of insurers that insure drivers with a DUI on their record.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$61$98
GEICO$62$99
Hugo$66$93
Mile Auto$105$150
Allstate$106$169
Safeco$119$190
Mercury$126$181
Travelers$126$201
Liberty Mutual$131$209
Direct Auto$135$216
Midvale Home & Auto$154$246
Progressive$157$251
Infinity$162$259
Foremost$179$286
Dairyland$187$299
GAINSCO$189$302
AssuranceAmerica$209$334
Bristol West$224$358
National General$254$406
The General$269$430
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 car insurance for seniors: Hugo

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 $163 per month. The following companies offer the cheapest car insurance quotes for senior drivers in Naples.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo$47$157
State Farm$47$55
GEICO$49$59
Mile Auto$79$110
Allstate$85$99
Mercury$95$115
Safeco$97$117
Travelers$98$115
Direct Auto$104$188
Liberty Mutual$105$177
Progressive$112$158
Midvale Home & Auto$117$176
Infinity$122$170
Foremost$139$212
Dairyland$149$261
GAINSCO$156$172
AssuranceAmerica$157$250
Bristol West$178$264
National General$197$205
The General$218$316
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 car insurance for teens: GEICO

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 $313 per month.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
GEICO$91$108
State Farm$97$112
Hugo$107$358
Allstate$174$204
Mile Auto$192$267
Travelers$213$248
Mercury$214$259
Liberty Mutual$226$381
Direct Auto$230$417
Safeco$233$282
Midvale Home & Auto$248$372
Progressive$265$375
Infinity$279$389
Dairyland$291$511
Foremost$297$452
GAINSCO$314$347
Bristol West$356$527
AssuranceAmerica$364$578
The General$404$585
National General$461$479
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.

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 $160.

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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Apopka$196$260
Cape Coral$180$248
Clearwater$218$264
Daytona Beach$173$254
Fort Lauderdale$249$325
Fort Myers$174$250
Gainesville$156$216
Jacksonville$187$266
Miami$258$373
Orlando$202$289
Tampa Bay$293$362
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.

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 $200 per month. This exceeds the national average of $160 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 $61. GEICO and Hugo also offer cheap car insurance in Naples, at $62 and $66 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 GEICO and Hugo.

  • What is the average cost of car insurance per month in Florida?

    The average cost of car insurance in Florida is $234 per month, exceeding the national average of $160 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 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.

Sources

  1. Florida Demographics by Cubit. "Florida Cities by Population."
  2. Military State Policy Source. "Florida."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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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