The best car insurance in Naples, FL

By

Lena Borrelli

Lena Borrelli

Insurance Expert

Lena Borrelli is a freelance contributor at Policygenius. With a diverse professional background, Lena spent time in finance, web marketing, and hospitality before settling into full-time life as a freelance writer.

Published October 21, 2021

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Naples has over 17,000 registered vehicles spread across just 13 square miles, and over 10% of households in Naples have three or more vehicles. With so many cars on the road, you need the best auto insurance company to provide the proper protection. However it is also important you find the cheapest car insurance for the area.

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To find the best car insurance companies, we looked at more than just price, considering other crucial factors like coverage, discounts, and industry ratings. Based on these factors and more, this is the best auto insurance in Naples for your family.

Key Takeaways

  • The cheapest car insurance company in Naples is at an average of $1,139 per year

  • The average cost of Naples car insurance is $1,139 per year 

  • Florida is a no-fault state that requires a minimum amount of car insurance, including  $10,000 of personal injury protection (PIP) insurance and $10,000 of property damage liability insurance.

Cheapest car insurance companies in Naples, FL

Your car insurance premiums are calculated based on a series of unique factors like your age, gender, driving history, and credit score. Insurers also consider the make and model of your vehicle, in addition to the coverage amounts you choose. 

Some of the cheapest car insurance rates for 2021 come from the insurance industry's biggest names, like GEICO, State Farm, and Travelers. 

Company

Average cost

JD Power Rating

GEICO

$1,139

871

State Farm

$1,302

881

Travelers

$1,732

861

Nationwide

$2,138

876

Mercury Insurance

$2,532

849

Cheapest car insurance rates by ZIP code in Naples, FL

One of the factors that impacts the cost of your auto insurance is the neighborhood in which you live. Your area matters because crime levels increase the risk of insuring your vehicle. 

If things like theft and vandalism are common in your ZIP code, you will likely pay more for your car insurance to cover the increased risk. In Naples, weather can also be a factor if you live Gulf-front or in a flood zone. These are the cheapest car insurance rates by zip code in Naples.

ZIP code

Average cost

34102

$2,445

34103

$2,437

34104

$2,473

34105

$2,410

34109

$2,405

34110

$2,342

34112

$2,466

34114

$2,452

Choosing the right car insurance company in Naples, FL

The average cost of car insurance in Florida is $2,914 per year, while the average Naples car insurance policy costs $1,139 per year.

However, the price you pay for car insurance depends on several individual factors. Age is one consideration; as we have seen, younger drivers tend to pay more. Other factors include your gender, neighborhood, and driver history. Insurance companies also look at your credit score to evaluate risk. The best way to find the right car insurance company for you is to work with an expert and compare quotes from more than one carrier.

Car insurance rates for drivers with driving violations in Naples, FL

Your driving record tells an insurer a lot about the kind of driver you are. Things like reckless driving, racing, and DUIs are all major red flags that can increase your insurance rates. 

These are the average costs of Naples car insurance based on various driving violations.

Violation

GEICO

State Farm

Travelers

Nationwide

Mercury Insurance

At-fault Accident

$1,648

$1,532

$2,335

$3,017

$4,126

DUI

$2,116

$1,426

$2,602

$4,555

$3,554

Driving with a suspended license

$1,209

$1,426

$2,602

$4,555

$2,475

Driving with an open container

$1,209

$1,426

$2,210

$4,555

$3,554

Driving with expired registration

$1,209

$1,426

$2,210

$2,495

$3,485

Driving without Lights

$1,209

$1,426

$2,210

$2,140

$3,485

Failure to show documents

$1,209

$1,426

$2,210

$2,495

$3,485

Failure to stop at a red light

$1,209

$1,426

$2,210

$2,495

$3,485

Cheapest car insurance for drivers with bad credit in Naples, FL

Insurance companies consider your credit score when calculating your rates. Our data shows that drivers with low credit scores can pay over $1,000 more for the average Naples car insurance policy.

Company

Rates for drivers with bad credit

GEICO

$2,237

State Farm

$2,500

AIG

$2,934

UAIC

$2,941

Nationwide

$3,270

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Buying car insurance in Naples, FL

Florida is a no-fault state, which means that each party pays for their own repairs, regardless of who is at fault. This required coverage is known as personal injury protection, or PIP insurance.

Naples drivers are required to carry a minimum amount of car insurance to ensure protection from the typical hazards that drivers face behind the wheel. This includes:

  • $10,000 of personal injury protection (PIP) insurance 

  • $10,000 of property damage liability insurance

Other popular types of car insurance to consider include:

Your insurance agent can help you find the right coverage to fit your specific needs.

How to get cheap car insurance in Naples, FL

There are several ways to save on your car insurance in Naples:

  • Car insurance discounts can help save you money for things like paying in full, having a new car, taking a defensive driver course, or earning good grades in school. 

  • Bundle your insurance by purchasing both your auto and home insurance from the same provider.

  • Increasing your deductible will help lower your monthly premiums, although this means that you will have to pay more upfront should you experience a loss.

Before you purchase your policy, ask your agent about what kinds of savings might help you save money on your auto insurance policy.

Frequently asked questions

How much is car insurance in Florida?

The average cost of car insurance in Florida is $2,914, which is much more than the average cost of car insurance in Naples, which averages $1,139 per year.

Which car insurance company is the cheapest in Naples?

GEICO is the cheapest car insurance company in Naples with an average cost of $1,139 per year. However, the cheapest company is not always the best, so be sure to carefully consider your options to find the best car insurance company for your needs.

What is the minimum required insurance in Naples?

The minimum amount of car insurance required in Naples is $10,000 of personal injury protection (PIP) and $10,000 of property damage liability insurance. However, you should consider purchasing additional coverage to limit your liability in case of an accident.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.