120+ more*Quotes generated for Insurify users in and around Naples, Florida within the last 10 days. Last updated on May 18, 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 May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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NPN: 21630969
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The average cost of car insurance in Naples is $160 per month, according to Insurify data. State-minimum coverage costs $114 per month, and full-coverage car insurance averages $206 per month. Naples rates are also lower than the statewide average and those in nearby Miami and Coral Springs.
A lower population density and an older population may help explain why Naples’ rates are lower. The median age in Naples is 67, compared to about 40 in Miami and Coral Springs. Collier County, which includes Naples, also has one of the lowest crime rates of any metropolitan county in Florida.[1] Lower crime rates can help reduce theft-related claims and keep insurance premiums down.
Liability quotes start at $66/mo.
Progressive offers the cheapest liability-only coverage in Naples, at $66 per month.
At $113 per month, State Farm has the lowest rates for a full-coverage policy.
Car insurance rates in Naples are generally lower than the monthly state averages of $136 for liability insurance and $234 for full-coverage insurance.
Florida drivers must meet minimum car insurance requirements of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability.[2]
Full coverage helps pay for repairs or replacement after a collision or weather-related damage. In Naples, hurricanes and flooding are common risks, and even minor flooding can cause costly damage.[3]
The following table shows the cheapest liability and full-coverage rates from some of the top insurers in Naples.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Progressive | $66 | $122 |
| State Farm | $70 | $113 |
| Mile Auto | $71 | $132 |
| Clearcover | $72 | $177 |
| GEICO | $80 | $160 |
| Dairyland | $84 | $270 |
| Embark | $89 | $215 |
| Infinity | $91 | $196 |
| Mercury | $101 | $156 |
| Direct Auto | $102 | $176 |
| GAINSCO | $103 | $242 |
| The General | $108 | $207 |
| Bristol West | $117 | $186 |
| Allstate | $121 | $196 |
| AssuranceAmerica | $122 | $222 |
| National General | $123 | $165 |
| Root | $127 | $233 |
| Travelers | $144 | $233 |
| Mendota | $191 | $299 |
| First Acceptance | $196 | $289 |
| Liberty Mutual | $198 | $257 |
Florida car insurance is expensive, but rates can vary between cities. Miami Gardens has the highest average premiums in Florida, at $258 per month, while Venice has the lowest, at $130 per month.
Though both cities are coastal, Naples has lower premiums than nearby Miami, likely due to its smaller population and lower vehicle theft. It reports about 21 thefts per 100,000 people, compared with nearly 98 in Miami, according to the National Insurance Crime Bureau.
Inland cities like Gainesville are farther from the coast and generally have lower hurricane and storm surge risk than coastal cities like Naples. The following table highlights average monthly quotes for different cities in Florida, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Apopka | $187 |
| Cape Coral | $163 |
| Clearwater | $172 |
| Davenport | $183 |
| Daytona Beach | $173 |
| Fort Lauderdale | $211 |
| Fort Myers | $172 |
| Gainesville | $152 |
| Jacksonville | $180 |
| Jupiter | $159 |
| Lakeland | $171 |
| Melbourne | $157 |
| Miami | $229 |
| Miami Gardens | $258 |
| Naples | $160 |
| Ocala | $163 |
| Orlando | $200 |
| Palm Bay | $163 |
| Panama City | $147 |
| Pensacola | $158 |
| Pompano Beach | $209 |
| Riverview | $210 |
| St. Petersburg | $181 |
| Sarasota | $151 |
| Spring Hill | $191 |
| Tallahassee | $161 |
| Tampa | $231 |
| Venice | $130 |
| West Palm Beach | $213 |
| Winter Haven | $175 |
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Naples experiences heavier traffic during its busy tourist months from late fall through spring, especially during the winter peak from December through February. This added traffic is especially noticeable on major roads like Goodlette-Frank Road, U.S. Route 41, and Golden Gate Parkway.
In 2025, there were 5,808 crashes in Collier County, resulting in 3,232 injuries and 33 fatalities, according to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Crash totals were the highest in January (569), April (560), and March (556), aligning with the tourist season.
Hit-and-run crashes are also a concern, with 1,280 reported incidents in Collier County. While Florida’s uninsured rate is 5.6%, Collier County’s rate is slightly lower, at just over 4%. Even so, Naples drivers should consider collision and uninsured motorist coverage to help protect against these accidents.
Your driving record is one of the key factors insurers use when determining your car insurance premiums. Being a safe driver and maintaining a clean driving record often helps you qualify for lower rates. A driving history with speeding tickets, at-fault accidents, or a driving under the influence (DUI) conviction usually leads to higher premiums.
Less than 1% of drivers in Naples have a DUI, 2.3% have tickets, and 3.5% have an accident on their record, according to Insurify data. In Florida, the penalties for driving under the influence are severe and can include fines, license suspension, imprisonment, and vehicle impoundment.
Below are the average monthly rates for different driving records in Naples.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $160 |
| Speeding ticket | $186 |
| At-fault accident | $204 |
| DUI | $210 |
Naples is often considered one of the top retirement destinations in the U.S. The median age in Naples is 67, which is far above the Florida and U.S. medians. About 65% of the population is aged 60 and older. The city attracts many seasonal seniors and snowbirds, which can contribute to increased traffic volumes during peak winter and spring months.
In Florida, teens can apply for a learner’s permit at age 15 and a driver’s license at 16 years old. Florida has a graduated driver licensing (GDL) system that limits when teens can drive and who they can drive with.
The following table highlights the average monthly quotes for drivers of different ages in Naples.
Age | Average Monthly Quote |
|---|---|
| Teens | $248 |
| 20s | $175 |
| 30s | $156 |
| 40s | $150 |
| 50s | $138 |
| 60s | $128 |
| 70+ | $135 |
*Quotes generated for Insurify users in and around Naples, Florida within the last 10 days. Last updated on May 18, 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 May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
To find the right coverage for your insurance needs, here’s more information about auto policies in Naples.
The average cost of car insurance in Naples is $160 per month. Liability-only coverage costs an average of $114 per month, and the average full-coverage auto insurance policy is $206 per month. Personal factors like your age, driving record, credit history, and insurance coverage limits can affect your rates.
Progressive is the cheapest car insurance company in Naples, with an average liability rate of $66 per month, according to Insurify data.
Progressive offers cheaper liability-only rates in Naples, at $87 per month, while GEICO offers cheaper full coverage, at $185 per month. Still, rates can vary based on personal factors such as age, driving record, credit history, deductible, and the coverage options you choose.
It depends. Florida requires drivers of motorized recreational vehicles (Class A, B, or C) to carry minimum liability insurance, though you’re not required to carry insurance for a towable RV (such as a fifth-wheel or a travel trailer).
Several factors affect car insurance rates in Naples, including seasonal congestion, which can lead to more accidents and claims, and higher insurance rates. Personal factors like your age, ZIP code, driving history, and the type of insurance you choose also affect your premiums.
Yes. You can just purchase only the minimum car insurance in Naples, which is $10,000 in personal injury protection and $10,000 in property damage coverage.
That said, a minimum-coverage policy only pays for the damages and injuries you cause to other drivers. The costs can quickly surpass those minimums, leaving you to pay out of pocket. Purchasing extra coverage, such as comprehensive and collision insurance, can ensure you have proper protection.
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:
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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7+ years in personal finance writing
Certified Financial Education Instructor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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