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Get Cheap Car Insurance in Cape Coral, FL
We monitor insurance prices, helping the average driver in Cape Coral save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Cape Coral
The chart below shows the cheapest car insurance company in Cape Coral for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Cape Coral Insurer | Monthly Cost |
|---|---|
| Geico | $119 |
| State Farm | $126 |
| Gainsco | $164 |
| Bristol West | $164 |
Savings for Every Kind of Cape Coral Driver
Based on our extensive insurance data, we know the average Cape Coral driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $727 per year by choosing the right vehicle insurance company. Some Cape Coral residents are paying out over $2,484 extra every year for auto insurance in Cape Coral. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Cape Coral, FL Savings / Yr. |
|---|---|
$727 |
|
$1,067 |
|
$821 |
|
$812 |
|
$2,581 |
|
$705 |
|
$1,028 |
Cape Coral Car Insurance vs. Florida
People living in Cape Coral pay an average of 5.98% less than the typical driver in the state. The average driver in Cape Coral can expect to pay about $2,268 per year, or $2,484 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Cape Coral for most people.
Car Insurance Prices by Cape Coral Neighborhood
Insurance Prices
Where is insurance cheapest within Cape Coral?
The map shows insurance prices in and around Cape Coral, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $570 per year within the city boundaries, with insurance premiums ranging from a high of $2,815 to a low of $2,245. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Cape Coral.Pick the Best Car Insurance Company for You in Cape Coral
The best car insurance provider for most drivers in Cape Coral
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $727 over the average Cape Coral car insurance company.
The best car insurance provider for Cape Coral drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,067 over the competition.
The best car insurance company for Cape Coral drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $821 better than other car insurance companies.
The best auto insurance for Cape Coral drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $812 less each year.
The least expensive car insurance company for new and young drivers in Cape Coral
In Cape Coral, Geico costs young drivers $2,581 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Cape Coral
Geico gave the largest car insurance discounts to married couples, averaging $705 saved each year compared to an average Cape Coral couple's premiums.
The cheapest car insurance in Cape Coral for drivers with bad credit
The best Cape Coral car insurance company for customer service
Recent price drops
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The cheapest large national provider in Cape Coral
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Cape Coral driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Cape Coral, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Cape Coral
What Influences the Cost of Car Insurance in Cape Coral?
On average, car insurance in Cape Coral is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Cape Coral is 34 minutes, which is about the national average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Cape Coral are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Cape Coral is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Cape Coral is $189 per month for minimum coverage and $207 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- McGregor: Insurance costs 3.46% less
- Whiskey Creek: Insurance costs 5.64% less
- North Fort Myers: Insurance costs 1.25% less
- Cypress Lake: Insurance costs 3.02% less
- Iona: Insurance costs 4.47% less
- Villas: Insurance costs 0.40% less
- Fort Myers: Insurance costs 1.89% more
- St. James City: Insurance costs 1.97% less
- Bokeelia: Insurance costs 5.15% less
- Gateway: Insurance costs 0.60% more
Cities with Similar Populations
- Fort Wayne: Insurance costs 49.36% less
- Dallas: Insurance costs 25.68% less
- Cypress: Insurance costs 27.74% less
- Columbia: Insurance costs 19.20% less
- Compton: Insurance costs 0.28% less
- Covington: Insurance costs 20.73% less
- Daly City: Insurance costs 11.27% less
- Dallas: Insurance costs 24.80% less
- Columbia: Insurance costs 28.54% less
- Cleveland: Insurance costs 45.85% less