Compare Cape Coral, FL Car Insurance Rates (2021)

Car insurance in Cape Coral, FL averages $337 a month. Cape Coral, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Cape Coral car insurance rates, compare quotes from the top car insurance companies in Cape Coral, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Cape Coral, FL are $4,049/year
  • The cheapest car insurance company in Cape Coral is USAA
  • Average car insurance rates in Cape Coral, FL after a DUI are $4,830/year

If you need to buy Cape Coral, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Cape Coral, FL is right here.

You’ll find Cape Coral car insurance rates, the cheapest Cape Coral, FL car insurance companies, and information on Florida car insurance laws. You can also compare Cape Coral, Florida car insurance rates to Jacksonville car insurance rates, St. Petersburg car insurance rates, and Miami car insurance rates.

Ready to find affordable Cape Coral, FL car insurance today? Enter your ZIP code for fast, free Cape Coral car insurance quotes.

Cheapest Cape Coral, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Cape Coral, FL car insurance rates? Every Cape Coral, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cape Coral, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,819 $3,633 $3,308 $3,354 $13,047 $14,053 $3,809 $3,858
GEICO $2,483 $2,498 $2,322 $2,322 $4,442 $5,614 $2,740 $2,795
Liberty Mutual $3,207 $3,207 $2,943 $2,943 $6,704 $10,293 $3,207 $4,326
Nationwide $2,591 $2,553 $2,312 $2,392 $6,176 $7,581 $2,846 $2,953
Progressive $3,451 $3,263 $2,971 $3,180 $9,764 $10,692 $4,169 $4,014
State Farm $2,056 $2,056 $1,862 $1,862 $5,678 $7,203 $2,289 $2,414
USAA $1,403 $1,378 $1,313 $1,301 $4,844 $5,619 $1,753 $1,891

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Minimum Car Insurance in Cape Coral, FL

Every driver must carry the minimum car insurance in Cape Coral, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Cape Coral, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Cape Coral, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Cape Coral, FL. Compare credit history car insurance rates in Cape Coral from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Cape Coral, Florida

Insurance Company Poor Fair Good
Allstate $8,521 $5,410 $4,399
GEICO $4,576 $2,782 $2,098
Liberty Mutual $5,914 $4,355 $3,542
Nationwide $4,608 $3,373 $3,046
Progressive $6,751 $4,803 $4,010
State Farm $4,368 $2,843 $2,321
USAA $3,952 $1,945 $1,417

Cheapest Cape Coral, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Cape Coral, FL to rates for a clean record with top companies.

Annual Cape Coral, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,271 $6,312 $7,007 $5,850
GEICO $2,208 $2,811 $4,164 $3,426
Liberty Mutual $3,329 $4,312 $6,241 $4,533
Nationwide $3,140 $3,446 $4,631 $3,485
Progressive $4,098 $6,059 $5,098 $5,498
State Farm $2,900 $3,455 $3,177 $3,177
USAA $1,904 $2,356 $3,494 $1,997

Cheapest Cape Coral, FL Car Insurance for Teen Drivers

Teen car insurance in Cape Coral, FL can be expensive. Take a look at rates from the top car insurance companies in Cape Coral for teenagers.

Annual Car Insurance Rates for Teen Drivers in Cape Coral, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,047 $14,053
GEICO $4,442 $5,614
Liberty Mutual $6,704 $10,293
Nationwide $6,176 $7,581
Progressive $9,764 $10,692
State Farm $5,678 $7,203
USAA $4,844 $5,619

Cheapest Cape Coral, FL Car Insurance for Seniors

Take a look at Cape Coral, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Cape Coral, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,308 $3,354
GEICO $2,322 $2,322
Liberty Mutual $2,943 $2,943
Nationwide $2,312 $2,392
Progressive $2,971 $3,180
State Farm $1,862 $1,862
USAA $1,313 $1,301

Cheapest Cape Coral, FL Car Insurance Rates After a DUI

A DUI in Cape Coral, FL increases car insurance rates. Compare Cape Coral, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Cape Coral, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,007
GEICO $4,164
Liberty Mutual $6,241
Nationwide $4,631
Progressive $5,098
State Farm $3,177
USAA $3,494

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Cheapest Cape Coral, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Cape Coral, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Cape Coral, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,938 $6,283
GEICO $3,136 $3,168
Liberty Mutual $4,457 $4,751
Nationwide $3,676 $3,676
Progressive $5,188 $5,188
State Farm $3,061 $3,293
USAA $2,411 $2,465

Cheapest Cape Coral, FL Car Insurance Rates by ZIP Code

Cape Coral car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Cape Coral, FL.

Annual Car Insurance Rates by ZIP Code in Cape Coral, Florida

ZIP Code Average Annual Rates
33904 $3,130
33909 $3,134
33914 $3,130
33990 $3,134
33991 $3,131
33993 $3,132

The Best Cheap Car Insurance Companies in Cape Coral, FL

Take a look at a side-by-side comparison of the top car insurance companies in Cape Coral, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Cape Coral, Florida

Insurance Company Average Annual Rates
Allstate $6,110
GEICO $3,152
Liberty Mutual $4,604
Nationwide $3,676
Progressive $5,188
State Farm $3,177
USAA $2,438

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Category Winners: Cheapest Car Insurance in Cape Coral, Florida

Find the cheapest car insurance companies in Cape Coral, FL for each category right here.

Best Annual Car Insurance Rates by Company in Cape Coral, Florida

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Cape Coral, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Cape Coral car insurance rates. Find the cheapest Cape Coral, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Cape Coral, Florida

Insurance Company Low Medium High
Allstate $4,914 $6,382 $7,034
GEICO $2,627 $3,258 $3,571
Liberty Mutual $4,236 $4,670 $4,905
Nationwide $2,962 $3,810 $4,255
Progressive $4,372 $5,305 $5,887
State Farm $2,734 $3,253 $3,545
USAA $2,098 $2,527 $2,688

What affects car insurance rates in Cape Coral, Florida?

What factors can have an impact on Cape Coral, FL car insurance? There are several reasons why Cape Coral car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cape Coral, Florida.

Car Theft in Cape Coral

High levels of vehicle theft can make car insurance more expensive. Cape Coral, FL car theft statistics from the FBI indicate 178 vehicle thefts a year.

Commute Time in Cape Coral

The more time you spend in your car the higher the risk of an accident. The average commute length in Cape Coral, FL is 28.3 minutes according to City-Data.

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Compare Car Insurance Quotes in Cape Coral, FL

Ready to find affordable Cape Coral, Florida car insurance today? Enter your ZIP code for fast, free Cape Coral, FL car insurance quotes.

Free Car Insurance Comparison

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