Compare Naples, FL Car Insurance Rates (2021)

Car insurance in Naples, FL averages $316 a month. Naples, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Naples car insurance rates, compare quotes from the top car insurance companies in Naples, 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

  • The cheapest car insurance company in Naples for teen drivers is USAA
  • The cheapest car insurance company in Naples is USAA
  • The cheapest ZIP code in Naples is 34102

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

You’ll find Naples car insurance rates, the cheapest Naples, FL car insurance companies, and information on Florida car insurance laws. You can also compare Naples, Florida car insurance rates to Tallahassee car insurance rates, Hialeah car insurance rates, and Port St. Lucie car insurance rates.

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

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

How do age, gender, and marital status affect Naples, FL car insurance rates? Every Naples, 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 Naples, 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 $3,808 $3,597 $3,295 $3,326 $12,934 $13,883 $3,741 $3,764
GEICO $2,426 $2,441 $2,269 $2,269 $4,329 $5,466 $2,677 $2,729
Liberty Mutual $2,757 $2,757 $2,540 $2,540 $5,639 $8,597 $2,757 $3,678
Nationwide $2,619 $2,579 $2,337 $2,417 $6,275 $7,697 $2,878 $2,983
Progressive $3,262 $3,089 $2,814 $3,007 $9,134 $9,987 $3,936 $3,782
State Farm $1,767 $1,767 $1,603 $1,603 $5,108 $6,445 $1,961 $2,092
USAA $1,247 $1,225 $1,163 $1,153 $4,254 $4,956 $1,553 $1,675

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Minimum Car Insurance in Naples, FL

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

Minimum Required Car Insurance Coverage in Naples, 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 Naples, FL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Naples, Florida

Insurance Company Poor Fair Good
Allstate $8,446 $5,349 $4,336
GEICO $4,461 $2,716 $2,050
Liberty Mutual $4,988 $3,703 $3,033
Nationwide $4,665 $3,417 $3,087
Progressive $6,361 $4,508 $3,760
State Farm $3,827 $2,503 $2,050
USAA $3,490 $1,717 $1,253

Cheapest Naples, 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 Naples, FL to rates for a clean record with top companies.

Annual Naples, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,211 $6,256 $6,925 $5,782
GEICO $2,157 $2,744 $4,060 $3,342
Liberty Mutual $2,857 $3,667 $5,258 $3,850
Nationwide $3,175 $3,488 $4,702 $3,528
Progressive $3,857 $5,690 $4,793 $5,165
State Farm $2,552 $3,034 $2,793 $2,793
USAA $1,684 $2,080 $3,083 $1,766

Cheapest Naples, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Naples, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,934 $13,883
GEICO $4,329 $5,466
Liberty Mutual $5,639 $8,597
Nationwide $6,275 $7,697
Progressive $9,134 $9,987
State Farm $5,108 $6,445
USAA $4,254 $4,956

Cheapest Naples, FL Car Insurance for Seniors

Take a look at Naples, 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 Naples, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,295 $3,326
GEICO $2,269 $2,269
Liberty Mutual $2,540 $2,540
Nationwide $2,337 $2,417
Progressive $2,814 $3,007
State Farm $1,603 $1,603
USAA $1,163 $1,153

Cheapest Naples, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Naples, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,925
GEICO $4,060
Liberty Mutual $5,258
Nationwide $4,702
Progressive $4,793
State Farm $2,793
USAA $3,083

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Cheapest Naples, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Naples, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,875 $6,212
GEICO $3,060 $3,091
Liberty Mutual $3,787 $4,029
Nationwide $3,723 $3,723
Progressive $4,876 $4,876
State Farm $2,697 $2,890
USAA $2,129 $2,177

Cheapest Naples, FL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Naples, Florida

ZIP Code Average Annual Rates
34102 $2,930
34103 $2,930
34104 $2,942
34105 $2,942
34108 $2,930
34109 $2,942
34110 $2,942
34112 $2,930
34113 $2,930
34114 $2,942
34116 $2,942
34117 $2,942
34119 $2,942
34120 $2,979

The Best Cheap Car Insurance Companies in Naples, FL

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

Average Annual Car Insurance Rates by Company in Naples, Florida

Insurance Company Average Annual Rates
Allstate $6,043
GEICO $3,076
Liberty Mutual $3,908
Nationwide $3,723
Progressive $4,876
State Farm $2,793
USAA $2,153

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Category Winners: Cheapest Car Insurance in Naples, Florida

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

Best Annual Car Insurance Rates by Company in Naples, Florida

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

Cheapest Naples, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Naples, Florida

Insurance Company Low Medium High
Allstate $4,848 $6,315 $6,967
GEICO $2,552 $3,181 $3,494
Liberty Mutual $3,601 $3,959 $4,164
Nationwide $2,996 $3,860 $4,314
Progressive $4,117 $4,985 $5,527
State Farm $2,414 $2,856 $3,110
USAA $1,872 $2,226 $2,361

What affects car insurance rates in Naples, Florida?

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

Car Theft in Naples

High levels of vehicle theft can make car insurance more expensive. Naples, FL car theft statistics from the FBI indicate 24 vehicle thefts a year.

Commute Time in Naples

The more time you spend in your car the higher the risk of an accident. The average commute length in Naples, FL is 22.4 minutes according to City-Data.

Traffic in Naples

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Naples, FL traffic data from INRIX ranks Naples as the 72nd-most congested in the world.

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Compare Car Insurance Quotes in Naples, FL

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

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Average Monthly Car Insurance Rates by State