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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.
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
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
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.
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
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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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:
Collision coverage: This coverage pays for repairs to your vehicle when you are involved in an accident or collision
Comprehensive coverage: This protects you from other types of damage, such as fire, hail, theft, and vandalism
Uninsured and underinsured motorist coverage: Not all drivers may be insured on the road, so this protects you if you are in an accident with an uninsured or underinsured driver
Medical payments coverage: This coverage will pay for medical expenses if you or your passengers are injured
Your insurance agent can help you find the right coverage to fit your specific needs.
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.
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.
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.
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.
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.