Best Cheap Auto Insurance in Naples, FL (2021)

The average Naples, FL auto insurance rates are $316 per month. The minimum auto insurance in Naples is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Naples, Florida, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Naples is USAA
  • Average auto insurance rates in Naples, FL for senior drivers are $2,310 per year
  • The most expensive auto insurance company in Naples for teen drivers is Allstate

Naples, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Naples 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 Naples, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Naples to other Florida cities, including Jacksonville auto insurance rates, St. Petersburg auto insurance rates, and Port St. Lucie auto insurance rates to see how Naples, Florida auto insurance rates stack up.

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

Minimum Auto Insurance in Naples, Florida

Naples, 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 Naples, Florida.

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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Cheap Naples, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Naples, 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 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

Cheap Naples, Florida Auto Insurance for Teen Drivers

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

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

Cheap Naples, Florida Auto Insurance for Seniors

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

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

Cheap Naples, 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 Naples, Florida compared to the annual auto insurance rates with a clean record in Naples, Florida.

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

Cheap Naples, Florida Auto Insurance Rates After a DUI

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

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

Cheap Naples, Florida Auto Insurance By Credit History

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

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

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Cheap Naples, Florida Auto Insurance Rates By ZIP Code

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

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

Cheap Naples, Florida Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Naples, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Naples, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Naples, Florida? Check out the comparison of annual Naples, Florida 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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Best By Category: Cheapest Auto Insurance in Naples, Florida

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

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

The Cheapest Naples, Florida Auto Insurance Companies

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

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 auto insurance rates in Naples, Florida?

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

Naples Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Naples, Florida auto theft statistics, there have been 24 auto thefts in the city.

Naples Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Naples, Florida commute length is 22.4 minutes according to City-Data.

Naples Traffic

How does Naples, Florida rank for traffic? According to Inrix Naples, Florida is the 72nd most congested worldwide.

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Compare Naples, Florida Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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