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 February 29, 2024 at 11:00 AM PST

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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 $228, less than Florida’s monthly average of $256.

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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
USAA4.5$78$67Military members
State Farm4.5$79$68Teen drivers
GEICO4.2$81$70Drivers 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.
  • 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.

Best insurer for military members: USAA

Compare personalized, real-time quotes
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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
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.
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.
$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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for drivers with an incident: GEICO

Compare personalized, real-time quotes
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.
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.
$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.
$72/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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

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 $182 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: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm61
GEICO63
Hugo69
Allstate106
Mile Auto119
Safeco122
Travelers126
Mercury131
Liberty Mutual141
Direct Auto143
Midvale Home & Auto157
Progressive162
Infinity173
Foremost188
Dairyland192
AssuranceAmerica207
Bristol West249
The General284
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 $273 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: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm71
GEICO72
Hugo77
Allstate123
Travelers149
Mercury156
Mile Auto166
Safeco168
GAINSCO195
Infinity195
Liberty Mutual214
Direct Auto222
Midvale Home & Auto229
Progressive231
National General279
AssuranceAmerica280
Foremost281
Dairyland342
Bristol West357
The General401
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 Requirements4
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.

Shop for Car Insurance in Naples, FL

Liability quotes start at $61 per month

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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 $269 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: Thursday, February 29 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm6170
GEICO6373
Hugo6989
Allstate106123
Mile Auto119164
Safeco122154
Travelers126149
Mercury131177
Liberty Mutual141178
Direct Auto143175
Progressive162197
Infinity173212
Dairyland192231
AssuranceAmerica207262
Bristol West249295
The General284342
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 $290 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: Thursday, February 29 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Accident
State Farm6175
GEICO6379
Hugo6986
Allstate106132
Mile Auto119177
Safeco122168
Travelers126159
Mercury131189
Liberty Mutual141190
Direct Auto143187
Progressive162212
Infinity173214
Dairyland192245
AssuranceAmerica207275
Bristol West249310
The General284368
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: 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 $335 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: Thursday, February 29 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith DUI
State Farm6192
GEICO6395
Hugo69100
Allstate106160
Mile Auto119180
Safeco122184
Travelers126190
Mercury131201
Liberty Mutual141213
Direct Auto143193
Progressive162245
Infinity173261
Foremost188284
Dairyland192290
AssuranceAmerica207313
Bristol West249376
The General284429
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: 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 $190 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: Thursday, February 29 at 11:00 AM PST
Insurance CompanyLiability OnlyFull Coverage
State Farm4855
GEICO5057
Allstate86100
Mile Auto94131
Travelers100118
Safeco104144
Mercury108128
Direct Auto111173
Liberty Mutual116175
Progressive118168
Dairyland157279
AssuranceAmerica161217
Bristol West202289
The General238336
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 $351 per month.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyLiability OnlyFull Coverage
GEICO92105
State Farm97113
Hugo115129
Allstate173201
Safeco204280
Mile Auto212296
Travelers212250
Liberty Mutual222337
Mercury226269
Direct Auto243377
Progressive269384
Dairyland288512
Infinity303341
Foremost314469
AssuranceAmerica366495
Bristol West383549
The General419591
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 $156.

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$207$297
Cape Coral$202$259
Clearwater$234$296
Daytona Beach$202$277
Fort Lauderdale$255$336
Fort Myers$194$260
Gainesville$160$243
Jacksonville$203$305
Miami$275$356
Orlando$220$316
Tampa Bay$309$373
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 $228 per month. This exceeds the national average of $156 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 $63 and $69 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 $256 per month, exceeding the national average of $156 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." Accessed October 16, 2023
  2. Military State Policy Source. "Florida." Accessed October 16, 2023
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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