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Get Cheap Car Insurance in Marco Island, FL
We monitor insurance prices, helping the average driver in Marco Island save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Marco Island
The chart below shows the cheapest car insurance company in Marco Island 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.
| Marco Island Insurer | Monthly Cost |
|---|---|
| Geico | $113 |
| State Farm | $119 |
| Gainsco | $156 |
| Bristol West | $156 |
Savings for Every Kind of Marco Island Driver
Based on our extensive insurance data, we know the average Marco Island 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 $690 per year by choosing the right vehicle insurance company. Some Marco Island residents are paying out over $2,360 extra every year for auto insurance in Marco Island. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Marco Island, FL Savings / Yr. |
|---|---|
$690 |
|
$1,014 |
|
$780 |
|
$772 |
|
$2,452 |
|
$670 |
|
$976 |
Marco Island Car Insurance vs. Florida
People living in Marco Island pay an average of 10.68% less than the typical driver in the state. The average driver in Marco Island can expect to pay about $2,155 per year, or $2,360 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Marco Island for most people.
Car Insurance Prices by Marco Island Neighborhood
Insurance Prices
Where is insurance cheapest within Marco Island?
The map shows insurance prices in and around Marco Island, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $271 per year within the city boundaries, with insurance premiums ranging from a high of $2,506 to a low of $2,235. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of Marco Island.Pick the Best Car Insurance Company for You in Marco Island
The best car insurance provider for most drivers in Marco Island
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $690 over the average Marco Island car insurance company.
The best car insurance provider for Marco Island 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 $1,014 over the competition.
The best car insurance company for Marco Island drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $780 better than other car insurance companies.
The best auto insurance for Marco Island drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $772 less each year.
The least expensive car insurance company for new and young drivers in Marco Island
In Marco Island, Geico costs young drivers $2,452 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Marco Island
Geico gave the largest car insurance discounts to married couples, averaging $670 saved each year compared to an average Marco Island couple's premiums.
The cheapest car insurance in Marco Island for drivers with bad credit
The best Marco Island car insurance company for customer service
Allstate was the best company for customer service in Marco Island according to the NAIC.
Recent price drops
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The cheapest large national provider in Marco Island
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Marco Island 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 Marco Island, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Marco Island
What Influences the Cost of Car Insurance in Marco Island?
On average, car insurance in Marco Island 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 Marco Island is 30 minutes, which is a little less than 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 Marco Island are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Marco Island has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Marco Island is $180 per month for minimum coverage and $197 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
- Goodland: Insurance costs 5.25% less
- Copeland: Insurance costs 4.24% less
- Everglades: Insurance costs 2.80% less
- Jerome: Insurance costs 4.24% less
- Plantation Island: Insurance costs 2.80% less
- Chokoloskee: Insurance costs 2.12% less
- Ochopee: Insurance costs 3.39% more
- Southwest Ranches: Insurance costs 24.75% more
- Doral: Insurance costs 38.64% more
- Hialeah Gardens: Insurance costs 44.92% more
Cities with Similar Populations
- Centralia: Insurance costs 38.22% less
- Trenton: Insurance costs 52.12% less
- Tuckerton: Insurance costs 25.25% less
- Uniontown: Insurance costs 54.03% less
- Vermilion: Insurance costs 52.50% less
- Clio: Insurance costs 22.33% more
- Clearlake: Insurance costs 16.02% less
- Clayton: Insurance costs 18.64% less
- Claymont: Insurance costs 13.60% less
- Clark: Insurance costs 19.45% less