Best Cheap Auto Insurance in Captiva, FL (2021)

The average Captiva, FL auto insurance rates are $326 per month. The minimum auto insurance in Captiva is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Captiva, Florida, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Captiva is State Farm
  • The minimum auto insurance required in Captiva, Florida is 10/20/10
  • The most expensive auto insurance company in Captiva for teen drivers is Allstate

Captiva, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Captiva can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Captiva, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Captiva to other Florida cities, including Cape Coral auto insurance rates, Miami auto insurance rates, and St. Petersburg auto insurance rates to see how Captiva, Florida auto insurance rates stack up.

Before you buy Captiva, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Captiva, Florida auto insurance quotes.

Minimum Auto Insurance in Captiva, Florida

Captiva, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Captiva, Florida.

Minimum Required Auto Insurance Coverage in Captiva, 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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Cheap Captiva, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Captiva, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Captiva, 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 $3,746 $3,555 $3,250 $3,291 $12,908 $13,898 $3,711 $3,748
GEICO $2,483 $2,498 $2,322 $2,322 $4,442 $5,614 $2,740 $2,795
Liberty Mutual $3,207 $3,207 $2,943 $2,943 $6,704 $10,293 $3,207 $4,326
Nationwide $2,591 $2,553 $2,312 $2,392 $6,176 $7,581 $2,846 $2,953
Progressive $3,429 $3,239 $2,954 $3,161 $9,725 $10,647 $4,136 $3,976
State Farm $1,495 $1,495 $1,362 $1,362 $4,315 $5,500 $1,653 $1,779
USAA $1,403 $1,378 $1,313 $1,301 $4,844 $5,619 $1,753 $1,891

Cheap Captiva, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Captiva, Florida is a challenge. Take a look at the annual teen auto insurance rates in Captiva, Florida.

Annual Auto Insurance Rates for Teen Drivers in Captiva, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,908 $13,898
GEICO $4,442 $5,614
Liberty Mutual $6,704 $10,293
Nationwide $6,176 $7,581
Progressive $9,725 $10,647
State Farm $4,315 $5,500
USAA $4,844 $5,619

Cheap Captiva, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Captiva, Florida? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Captiva, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,250 $3,291
GEICO $2,322 $2,322
Liberty Mutual $2,943 $2,943
Nationwide $2,312 $2,392
Progressive $2,954 $3,161
State Farm $1,362 $1,362
USAA $1,313 $1,301

Cheap Captiva, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Captiva, Florida compared to the annual auto insurance rates with a clean record in Captiva, Florida.

Annual Captiva, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,177 $6,215 $6,907 $5,754
GEICO $2,208 $2,811 $4,164 $3,426
Liberty Mutual $3,329 $4,312 $6,241 $4,533
Nationwide $3,140 $3,446 $4,631 $3,485
Progressive $4,066 $6,032 $5,068 $5,469
State Farm $2,170 $2,570 $2,370 $2,370
USAA $1,904 $2,356 $3,494 $1,997

Cheap Captiva, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Captiva, Florida is not easy. Compare the annual rates for DUI auto insurance in Captiva, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in Captiva, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,907
GEICO $4,164
Liberty Mutual $6,241
Nationwide $4,631
Progressive $5,068
State Farm $2,370
USAA $3,494

Cheap Captiva, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Captiva, Florida annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Captiva, Florida

Insurance Company Poor Fair Good
Allstate $8,381 $5,328 $4,330
GEICO $4,576 $2,782 $2,098
Liberty Mutual $5,914 $4,355 $3,542
Nationwide $4,608 $3,373 $3,046
Progressive $6,710 $4,775 $3,990
State Farm $3,227 $2,130 $1,753
USAA $3,952 $1,945 $1,417

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Cheap Captiva, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Captiva, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Captiva, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Captiva, Florida

ZIP Code Average Annual Rates
33924 $3,034

Cheap Captiva, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Captiva, Florida auto insurance. Find the cheapest annual Captiva, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Captiva, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,846 $6,180
GEICO $3,136 $3,168
Liberty Mutual $4,457 $4,751
Nationwide $3,676 $3,676
Progressive $5,159 $5,159
State Farm $2,292 $2,448
USAA $2,411 $2,465

Cheap Captiva, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Captiva, Florida? Check out the comparison of annual Captiva, Florida auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Captiva, Florida

Insurance Company Low Medium High
Allstate $4,818 $6,285 $6,937
GEICO $2,627 $3,258 $3,571
Liberty Mutual $4,236 $4,670 $4,905
Nationwide $2,962 $3,810 $4,255
Progressive $4,344 $5,275 $5,856
State Farm $2,034 $2,424 $2,653
USAA $2,098 $2,527 $2,688

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Best By Category: Cheapest Auto Insurance in Captiva, Florida

Compare the cheapest auto insurance companies in Captiva, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Captiva, Florida

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

The Cheapest Captiva, Florida Auto Insurance Companies

What auto insurance companies in Captiva, Florida are the cheapest? Compare the top Captiva, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Captiva, Florida

Insurance Company Average Annual Rates
Allstate $6,013
GEICO $3,152
Liberty Mutual $4,604
Nationwide $3,676
Progressive $5,159
State Farm $2,370
USAA $2,438

What affects auto insurance rates in Captiva, Florida?

There are a lot of reasons why auto insurance rates in Captiva, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Captiva, Florida. Many local factors may affect your Captiva auto insurance rates.

Captiva Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Captiva, Florida commute length is 49.9 minutes according to City-Data.

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Compare Captiva, Florida Auto Insurance Quotes

Before you buy Captiva, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Captiva, Florida auto insurance quotes.

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