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Get Cheap Car Insurance in Naples, FL
We monitor insurance prices, helping the average driver in Naples save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Naples
The chart below shows the cheapest car insurance company in Naples 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.
| Naples Insurer | Monthly Cost |
|---|---|
| Geico | $117 |
| State Farm | $124 |
| Gainsco | $161 |
| Bristol West | $161 |
Savings for Every Kind of Naples Driver
Based on our extensive insurance data, we know the average Naples 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 $715 per year by choosing the right vehicle insurance company. Some Naples residents are paying out over $2,442 extra every year for auto insurance in Naples. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Naples, FL Savings / Yr. |
|---|---|
$715 |
|
$1,049 |
|
$807 |
|
$799 |
|
$2,537 |
|
$693 |
|
$1,010 |
Naples Car Insurance vs. Florida
People living in Naples pay an average of 7.57% less than the typical driver in the state. The average driver in Naples can expect to pay about $2,230 per year, or $2,442 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Naples for most people.
Car Insurance Prices by Naples Neighborhood
Insurance Prices
Where is insurance cheapest within Naples?
The map shows insurance prices in and around Naples, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $780 per year within the city boundaries, with insurance premiums ranging from a high of $2,976 to a low of $2,196. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Naples.Pick the Best Car Insurance Company for You in Naples
The best car insurance provider for most drivers in Naples
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $715 over the average Naples car insurance company.
The best car insurance provider for Naples 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 $1,049 over the competition.
The best car insurance company for Naples drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $807 better than other car insurance companies.
The best auto insurance for Naples drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $799 less each year.
The least expensive car insurance company for new and young drivers in Naples
In Naples, Geico costs young drivers $2,537 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Naples
Geico gave the largest car insurance discounts to married couples, averaging $693 saved each year compared to an average Naples couple's premiums.
The cheapest car insurance in Naples for drivers with bad credit
The best Naples car insurance company for customer service
Recent price drops
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The cheapest large national provider in Naples
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Naples 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 Naples, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Naples
What Influences the Cost of Car Insurance in Naples?
On average, car insurance in Naples 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 Naples is 29 minutes, which is far 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 Naples are higher than average 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 B+ according to CrimeGrade.org.
- Naples is one of the most densely populated areas 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 Naples is $186 per month for minimum coverage and $204 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
- Golden Gate: Insurance costs 13.35% more
- Naples Park: Insurance costs 4.95% less
- Jerome: Insurance costs 7.45% less
- Weston: Insurance costs 26.21% more
- Southwest Ranches: Insurance costs 20.56% more
- Pembroke Pines: Insurance costs 30.59% more
- Sunrise: Insurance costs 31.53% more
- Cooper City: Insurance costs 22.77% more
- Davie: Insurance costs 25.72% more
- Plantation: Insurance costs 26.86% more
Cities with Similar Populations
- Washington: Insurance costs 44.35% less
- Walnut Creek: Insurance costs 15.56% less
- Waipahu: Insurance costs 39.72% less
- Waco: Insurance costs 30.92% less
- Waldorf: Insurance costs 12.98% less
- Turlock: Insurance costs 16.26% less
- Tustin: Insurance costs 13.60% less
- Tucson: Insurance costs 27.35% less
- Thousand Oaks: Insurance costs 14.09% less
- Utica: Insurance costs 1.43% more