Buy Cheap Naples, FL Auto Insurance (2021)

Naples, FL auto insurance rates average $316 a month. Minimum auto insurance requirements in Naples, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Naples, FL, compare Naples auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Naples, FL are $316/month
  • Average auto insurance rates in Naples, FL after a DUI are $4,516/year
  • The most expensive auto insurance company in Naples is Allstate

Finding affordable Naples, Florida auto insurance can be challenging, but everything you need to know to buy cheap Naples, FL auto insurance with confidence is right here. Auto insurance rates in Naples are affected by local factors as well as personal ones like your driving record.

See how Naples, FL car insurance rates compare to Port St. Lucie auto insurance rates, Tampa auto insurance rates, and Cape Coral auto insurance rates before you read more about the cost of auto insurance in Naples.

Don’t buy Naples, FL auto insurance until you’ve compared rates. Get free Naples, Florida auto insurance quotes when you enter your ZIP code above.

Naples, FL Minimum Auto Insurance Requirements

The required auto insurance in Naples, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Naples, Florida is outlined here.

Minimum Required Auto Insurance Coverage in Naples, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Naples, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Naples, FL. Take a look at Naples, Florida auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Naples, Florida

Insurance Company Poor Fair Good
Allstate $8,446 $5,349 $4,336
GEICO $4,461 $2,716 $2,050
Liberty Mutual $4,988 $3,703 $3,033
Nationwide $4,665 $3,417 $3,087
Progressive $6,361 $4,508 $3,760
State Farm $3,827 $2,503 $2,050
USAA $3,490 $1,717 $1,253

Buy Cheap Naples, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Naples, Florida auto insurance rates? Find out how car insurance rates in Naples, FL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Naples, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,808 $3,597 $3,295 $3,326 $12,934 $13,883 $3,741 $3,764
GEICO $2,426 $2,441 $2,269 $2,269 $4,329 $5,466 $2,677 $2,729
Liberty Mutual $2,757 $2,757 $2,540 $2,540 $5,639 $8,597 $2,757 $3,678
Nationwide $2,619 $2,579 $2,337 $2,417 $6,275 $7,697 $2,878 $2,983
Progressive $3,262 $3,089 $2,814 $3,007 $9,134 $9,987 $3,936 $3,782
State Farm $1,767 $1,767 $1,603 $1,603 $5,108 $6,445 $1,961 $2,092
USAA $1,247 $1,225 $1,163 $1,153 $4,254 $4,956 $1,553 $1,675

Buy Cheap Naples, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Naples can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Naples, FL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Naples, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,934 $13,883
GEICO $4,329 $5,466
Liberty Mutual $5,639 $8,597
Nationwide $6,275 $7,697
Progressive $9,134 $9,987
State Farm $5,108 $6,445
USAA $4,254 $4,956

Buy Cheap Naples, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Naples, Florida by comparing Naples senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Naples, FL here.

Annual Auto Insurance Rates for Senior Drivers in Naples, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,295 $3,326
GEICO $2,269 $2,269
Liberty Mutual $2,540 $2,540
Nationwide $2,337 $2,417
Progressive $2,814 $3,007
State Farm $1,603 $1,603
USAA $1,163 $1,153

Find Cheap Auto Insurance Rates in Naples, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Naples, Florida auto insurance. Compare Naples, FL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Naples, Florida

Insurance Company Low Medium High
Allstate $4,848 $6,315 $6,967
GEICO $2,552 $3,181 $3,494
Liberty Mutual $3,601 $3,959 $4,164
Nationwide $2,996 $3,860 $4,314
Progressive $4,117 $4,985 $5,527
State Farm $2,414 $2,856 $3,110
USAA $1,872 $2,226 $2,361

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Find Cheap Naples, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Naples. Compare auto insurance rates in Naples, FL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Naples, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,875 $6,212
GEICO $3,060 $3,091
Liberty Mutual $3,787 $4,029
Nationwide $3,723 $3,723
Progressive $4,876 $4,876
State Farm $2,697 $2,890
USAA $2,129 $2,177

Find Cheap Naples, FL Auto Insurance Rates by ZIP Code

Auto insurance rates in Naples, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Naples, FL to see how much where you live in Naples affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Naples, Florida

ZIP Code Average Annual Rates
34102 $2,930
34103 $2,930
34104 $2,942
34105 $2,942
34108 $2,930
34109 $2,942
34110 $2,942
34112 $2,930
34113 $2,930
34114 $2,942
34116 $2,942
34117 $2,942
34119 $2,942
34120 $2,979

Find Cheap Naples, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Naples, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Naples, FL, take a look at the average cost for various violations versus rates for a clean driving record in Naples.

Annual Naples, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,211 $6,256 $6,925 $5,782
GEICO $2,157 $2,744 $4,060 $3,342
Liberty Mutual $2,857 $3,667 $5,258 $3,850
Nationwide $3,175 $3,488 $4,702 $3,528
Progressive $3,857 $5,690 $4,793 $5,165
State Farm $2,552 $3,034 $2,793 $2,793
USAA $1,684 $2,080 $3,083 $1,766

Find Cheap Naples, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Naples, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Naples for less when you shop around and compare rates from multiple Naples, FL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Naples, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,925
GEICO $4,060
Liberty Mutual $5,258
Nationwide $4,702
Progressive $4,793
State Farm $2,793
USAA $3,083

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Winners by Category: Where to Buy Cheap Auto Insurance in Naples, FL

Compare rates from the cheapest auto insurance companies in Naples, FL for your needs. Take a look at how Naples, Florida auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Naples, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Find Cheap Naples, Florida Auto Insurance Companies

If you’re looking for the cheapest Naples, FL auto insurance companies overall, you can compare them here. Find the best price for Naples, Florida car insurance by company.

Average Annual Auto Insurance Rates by Company in Naples, Florida

Insurance Company Average Annual Rates
Allstate $6,043
GEICO $3,076
Liberty Mutual $3,908
Nationwide $3,723
Progressive $4,876
State Farm $2,793
USAA $2,153

What affects Naples, Florida auto insurance rates?

Local factors affect auto insurance rates in Naples, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Naples auto insurance rates.

Auto Theft in Naples

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Naples, FL auto theft show a total of 24 vehicle thefts annually.

Commute Times in Naples

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Naples, FL is 22.4 minutes according to City-Data.

Traffic in Naples

How is traffic in Naples, Florida? Inrix data shows that Naples, FL traffic makes it the 72nd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Naples, FL

You can buy cheap Naples, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Naples, Florida auto insurance quotes from top companies.

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