The best car insurance in Naples, FL

Florida drivers pay some of the highest car insurance rates in the nation, but Naples drivers pay an average of $2,431 for a full coverage policy, slightly less than the Florida state average. Naples drivers can save even more on car insurance by comparing costs before picking a policy.

Policygenius makes it easy to see quotes from top car insurance companies, so you can be sure you're making the right choice.

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. 

Average 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.

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
34117	$2,472
34119	$2,386
34120	$2,452

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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 $2,431 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 driving 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. 

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
Suspended license	$1,209	$1,426	$2,602	$4,555	$2,475
Open container	$1,209	$1,426	$2,210	$4,555	$3,554
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
Not showing documents	$1,209	$1,426	$2,210	$2,495	$3,485
Running a red light	$1,209	$1,426	$2,210	$2,495	$3,485
Failure to yield	$1,209	$1,426	$2,210	$2,495	$3,485
Following too closely	$1,209	$1,426	$2,210	$2,495	$3,485
Hit and run	$2,116	$1,426	$2,602	$4,555	$3,554
Illegal turn	$1,209	$1,426	$2,239	$2,495	$3,485
Improper passing	$1,209	$1,426	$2,239	$2,495	$3,485
Not-at-fault accident	$1,209	$1,320	$1,789	$2,140	$2,804
Passing a school bus	$1,209	$1,426	$1,802	$2,495	$3,485
Racing	$2,116	$1,426	$1,802	$4,555	$3,554
Reckless driving	$2,010	$1,426	$2,602	$4,555	$3,554
Speeding	$2,010	$1,426	$2,602	$2,818	$3,083

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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.

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

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.

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.