Cheapest Auto Insurance in Naples, Florida (2026)

Naples is home to nearly 20,000 people.^[1] This makes it significantly less populated than many of Florida’s larger cities, and that’s good news from an insurance standpoint. 

Cities with fewer residents usually have less traffic congestion and accidents. This could explain why Naples’ total monthly average car insurance cost is $159, less than Florida’s monthly average of $184.

However, while rates in Naples are already below the state average, you can cut your insurance costs even more by comparing quotes from multiple insurers.

Cheapest car insurance companies in Naples

The right auto insurance company for you will depend on your specific needs, budget, and individual situation. The best way to find your ideal policy is to compare quotes from several insurers. As you begin your search, you’ll find three leading insurers here, including their statewide average quotes for full and liability coverage.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
USAA	9.1	$78	$67	Military members
State Farm	9.3	$116	$106	Teen drivers
GEICO	9.2	$179	$158	Drivers with an incident

Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for military members: USAA

Military Members

Compare Quotes

User Reviews	4.9 1,517 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$52/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$100/mo

Details

Driver Reviews

4.9

Best choice in Naples, FLBased on 3,317 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Naples for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Naples for

Members of the military community

Outstanding customer service

Competitive rates

Showing 73 Florida reviews for Naples drivers - See all 1,517 USAA reviews

Michael

Verified Review

65-year customer

Reviewed in Florida on March 26, 2026

Service is unsurpassed. It may cost a little more, but service and response with yearly discounts make up for it. All personnel are responsive and professional.

Alene

Verified Review

Great company

Reviewed in Florida on March 17, 2026

They're a great company - I've been with them for almost 60 years, but the price has become prohibitive compared to other companies.

Jeffrey

Verified Review

Insurance Online Direct

Reviewed in Florida on March 16, 2026

Cheap enough to try, given Florida's outrageous premiums.

Marcus

Verified Review

Used to be great

Reviewed in Florida on March 10, 2026

Same as any other insurance company. They used to be great when we just covered officers, but now that we cover anyone who can spell Army, the company has become mediocre and expensive to boot.

Bernadette

Verified Review

Priced out of the Insurance Company I Love

Reviewed in Florida on March 10, 2026

USAA is top-notch; just getting too pricey for me.

Michael

Verified Review

Poor

Reviewed in Florida on March 2, 2026

Great customer service. Rates are way too high.

Gunther

Verified Review

Very Happy with USAA!

Reviewed in Florida on March 1, 2026

I have been with USAA for many years. I am very happy with them and recommend them highly.

Eva

Verified Review

USAA

Reviewed in Florida on February 28, 2026

It is good but expensive.

Robert

Verified Review

Customer for over 35 years

Reviewed in Florida on February 28, 2026

Good customer service but very high rates.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Florida is home to nearly 300,000 military-affiliated members.^[2] Active-duty members, veterans, and their families trust USAA for its highly rated customer service and military-focused benefits. If you’re a member of the military, it pays to consider USAA. The insurer has several benefits exclusive to military members like you.

Pros

• Affordable car insurance premiums

• SafePilot program offers 30% savings for good driving

Cons

• Only available to military members, families, and veterans

• Customer service not available 24/7

Best insurer for teen drivers: State Farm

Teen Drivers

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User Reviews	4.0 7,299 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$94/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$131/mo

Details

Driver Reviews

4.0

Best choice in Naples, FLBased on 16,551 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Naples for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Naples for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for Naples drivers - See all 7,299 State Farm reviews

Robert

Verified Review

State Farm

Reviewed in Florida on March 30, 2026

State Farm is expensive, and despite their plug-in for my car, they don’t offer any discounts. I have been with them for about 7 years, same vehicle, no tickets or accidents, and they won’t decrease my rate.

Peter

Verified Review

Had enough.

Reviewed in Florida on March 28, 2026

Overpriced, don’t receive proof of insurance card frequently, and do not give you a reminder until the last minute.

Sylvia

Verified Review

State Farm is too expensive!

Reviewed in Florida on March 28, 2026

I still have State Farm, but I'm looking for lower rates with full coverage! I received offers from Progressive, Allstate, and others using the same coverage specs, and prices were lower. I asked State Farm to review my rates and get them closer to the other car insurance offers. So far, I've not received any better offers.

James

Verified Review

State Farm is the best

Reviewed in Florida on March 27, 2026

State Farm auto insurance is about $2000 less per 6 months than my former insurance company (The Hartford), for the exact same coverage.

Jacquelyn

Verified Review

Evaluation

Reviewed in Florida on March 23, 2026

My local agent is great. The national level, not so much. I was in an accident two years ago and was told I would get no help from your company even though I was not at fault and the other driver was cited. I never got reimbursed for my expenses to get home to Florida from Virginia.

Barbara

Verified Review

Competitors Admit They Can’t Compete with SF Prices

Reviewed in Florida on March 22, 2026

Tap into discount advantages, open to questions, respectful, responds in a timely manner, knowledgeable.

Rebscca

Verified Review

State Farm

Reviewed in Florida on March 22, 2026

The folks at the State Farm office are awesome. However, the insurance is way too expensive.

Linda

Verified Review

Reasonable Rates

Reviewed in Florida on March 21, 2026

My current rate is much more reasonable than other companies.

Troy

Verified Review

Great service, price is a little high

Reviewed in Florida on March 21, 2026

It's a little expensive.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

In Florida, teens can earn their learner’s permit at 15. And when it comes time to get their own insurance, teens pay some of the highest rates on the market. Luckily, State Farm offers discounts for good grades and safe driving to lower the insurance costs for teens.

Pros

• Above-average ratings from J.D. Power

• Many discount opportunities for teens

Cons

• Limited coverage options

• Premiums may be high for drivers with violations

Best insurer for drivers with an incident: GEICO

Drivers with an Incident

Compare Quotes

User Reviews	4.0 7,536 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$106/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$184/mo

Details

Driver Reviews

4.0

Best choice in Naples, FLBased on 16,802 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Naples for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Naples for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for Naples drivers - See all 7,536 GEICO reviews

Pamala

Verified Review

Mostly Happy with Geico 😏

Reviewed in Florida on March 28, 2026

I have been very happy with Geico. They were there and insured me when everyone else wanted to charge me twice as much, and that was more than 5 years ago. My rates at one point were as low as $35 a month, and then all of a sudden they shot up to $55 to $58 a month with zero tickets, zero accidents, and zero claims, which is why I started shopping around. But to be perfectly honest, even though I can get insurance for $14 less a month on average, I think I'm going to stick with Geico because they were there when I needed a break, and that goes a long way with me.

Jeffrey

Verified Review

Dump Geico, Go to Progressive

Reviewed in Florida on March 28, 2026

Nice, no one calls me for anything, and they are very competitive on pricing. Good price for the money.

William

Verified Review

Excellent

Reviewed in Florida on March 26, 2026

I like them, but they're just too expensive.

Laura

Verified Review

Paying Too Much

Reviewed in Florida on March 21, 2026

Paying for a no-fault accident.

Gerald

Verified Review

Shop for insurance

Reviewed in Florida on March 21, 2026

Check around for lower prices.

Joseph

Verified Review

Great

Reviewed in Florida on March 21, 2026

Great customer support.

Jeff

Verified Review

Doubling my premium

Reviewed in Florida on March 20, 2026

I have GEICO. I had a very small accident and they doubled my insurance for two years. I don’t think that’s fair, considering I’ve had no claims in over 30 years.

Thelma

Verified Review

I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.

Reviewed in Florida on March 19, 2026

I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.

Patricia

Verified Purchase

I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.

Reviewed in Florida on March 12, 2026

I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Florida drivers pay some of the highest car insurance rates in the country, and you can expect even higher rates if you have violations on your record. Fortunately, GEICO offers SR-22 and FR-44 filings for drivers as well as various discounts to lower your insurance bill.

Pros

• Above-average ratings from J.D. Power

• Wide array of discount and coverage options

Cons

• Limited agent network

• Gap insurance unavailable

How to get the cheapest car insurance in Naples

A variety of factors influence your insurance costs, including your location, age, driving history, and more. Fortunately, you have ways to reduce your auto insurance rates:

• Compare quotes. Gathering at least three quotes from different insurance companies based on your needed coverages can help reduce your costs. Use a price-comparison platform to easily compare insurers against one another.

• Explore discounts. Stacking insurance discounts can lower your costs significantly. Each year, check in with your insurance agent to see if you qualify for any new discounts.

• Bundle policies. You can reduce your overall insurance costs by bundling insurance products from the same company. For example, you can bundle your auto policy with your homeowners, renters, or life insurance policy.

• Choose a higher deductible. You must pay a deductible before your insurance company covers certain claims. By choosing a higher deductible, you can lower your insurance premium because you’re taking on more of the up-front risk yourself.

• Maintain a clean driving record. Avoiding speeding tickets, accidents, and other moving violations will keep your insurance costs low.

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Cheapest liability-only car insurance in Naples: Progressive

In Florida, liability car insurance pays for the other driver’s property repairs after an accident you cause. It also pays for your injuries. This coverage doesn’t pay for any damage to your vehicle, however.

The average cost of liability insurance in Naples is $121 per month. You can find more affordable insurance companies for liability-only policies in Naples in the table below.

The below rates in Naples, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Progressive	$86
Mile Auto	$94
State Farm	$94
Clearcover	$96
GEICO	$106
Dairyland	$110
Embark	$119
Infinity	$121
Direct Auto	$134
Mercury	$134
GAINSCO	$137
The General	$144
Bristol West	$155
Root	$162
Allstate	$163
AssuranceAmerica	$166
National General	$166
Travelers	$194
Mendota	$252
First Acceptance	$263
Liberty Mutual	$263

Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Naples: State Farm

While liability-only insurance pays for the other party’s property repairs, a full-coverage policy covers these expenses and your damages. A full-coverage policy offers more protection, so it’s an excellent option for people who drive frequently, drive expensive cars, or have a loan on their vehicle.

On average, full-coverage car insurance costs $198 per month in Naples. You can see a collection of quotes from area insurers in the table below.

The below rates in Naples, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$131
Progressive	$146
Mile Auto	$151
Mercury	$179
GEICO	$184
National General	$193
Clearcover	$200
Direct Auto	$203
Bristol West	$217
Allstate	$227
Infinity	$228
The General	$238
Embark	$259
Root	$261
AssuranceAmerica	$262
Travelers	$270
GAINSCO	$279
Liberty Mutual	$298
Dairyland	$310
First Acceptance	$337
Mendota	$343

Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Florida

Florida is a no-fault state, meaning insurance companies pay for their own policyholder’s medical expenses after a car accident. Drivers must purchase this auto insurance for injuries, lost wages, and related expenses, commonly known as personal injury protection (PIP). The table below illustrates the minimum coverages required in Florida.

Coverage	Minimum Requirements
Personal injury protection	$10,000 per accident
Property damage liability	$10,000 per accident

While liability coverage allows you to meet minimum state requirements, you may want to consider enhancing your coverage with any of the following options:

• 

  Bodily injury liability coverage

  While​​ Florida doesn’t require this coverage, a driver can still sue you for medical expenses if their PIP coverage isn’t enough.

• 

  Collision coverage

  If you’re in a car accident, collision insurance pays for your vehicle damages, regardless of fault. A full-coverage policy includes this coverage.

• 

  Comprehensive coverage

  Comprehensive insurance will pay for repairs if your car sustains damages due to theft, vandalism, natural disasters, or other non-collision incidents. A full-coverage policy includes this coverage.

• 

  Uninsured/underinsured motorist coverage

  Suppose another driver is at fault in an accident and doesn’t have enough insurance or any insurance at all. In that case, uninsured/underinsured motorist coverage supports you so you don’t have to pay out of pocket for your medical bills or car repairs.

Cheapest car insurance for drivers with an incident

Driving incidents include speeding tickets, driving under the influence, at-fault accidents, and other moving violations, and having any of these on your record can cause your insurance rates to increase dramatically. In fact, Florida drivers with an at-fault accident can expect to pay 43% more for car insurance than drivers with a clean record.

In the sections that follow, you’ll see how incident types can affect your car insurance rates.

Cheapest car insurance for drivers with a speeding ticket: Progressive

Insurers see drivers with a speeding ticket as more likely to engage in behavior that leads to a car accident. So, to offset the risk you pose as a driver, insurers increase your auto insurance rates.

You can expect to pay a total average rate of $185 per month with a speeding ticket on your record, and the table below shows how quotes from different insurers adjust after a ticket.

The below rates in Naples, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Progressive	$86	$100
Mile Auto	$94	$111
State Farm	$94	$115
GEICO	$106	$134
Dairyland	$110	$133
Embark	$119	$138
Infinity	$121	$148
Direct Auto	$134	$161
Mercury	$134	$181
GAINSCO	$137	$157
The General	$144	$186
Bristol West	$155	$188
Root	$162	$208
Allstate	$163	$205
AssuranceAmerica	$166	$203
National General	$166	$199
Travelers	$194	$243
Mendota	$252	$292
First Acceptance	$263	$305
Liberty Mutual	$263	$322

Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Progressive

An at-fault accident indicates to insurance companies that you’re more likely to be involved in an accident in the future. Because insurers see you as a riskier driver, they’ll assign higher rates for your insurance policy.

The total average rate for drivers with an accident on their record in Naples is $200 per month, and the table below shows how an accident can increase quotes compared to drivers with a clean record.

The below rates in Naples, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Progressive	$86	$108
Mile Auto	$94	$124
State Farm	$94	$121
GEICO	$106	$135
Dairyland	$110	$142
Embark	$119	$150
Infinity	$121	$153
Direct Auto	$134	$179
Mercury	$134	$198
GAINSCO	$137	$171
The General	$144	$194
Bristol West	$155	$199
Root	$162	$212
Allstate	$163	$213
AssuranceAmerica	$166	$216
National General	$166	$215
Travelers	$194	$255
Mendota	$252	$318
First Acceptance	$263	$332
Liberty Mutual	$263	$342

Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Progressive

A DUI is considered to be among the most serious driving offenses. In Florida, residents with a DUI usually have to get an SR-22 or FR-44 certificate to drive.

Many insurers won’t insure someone with a DUI on their record. Those who do usually charge a significantly higher rate.

The overall average rate for drivers with a DUI on their record in Naples is $226 per month. Here, you can see a collection of insurers that insure drivers with a DUI on their record.

The below rates in Naples, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Progressive	$86	$122
Mile Auto	$94	$137
State Farm	$94	$137
GEICO	$106	$152
Dairyland	$110	$160
Embark	$119	$169
Infinity	$121	$176
Direct Auto	$134	$195
Mercury	$134	$202
GAINSCO	$137	$199
The General	$144	$209
Bristol West	$155	$225
Root	$162	$236
Allstate	$163	$237
AssuranceAmerica	$166	$241
National General	$166	$241
Travelers	$194	$282
Mendota	$252	$358
First Acceptance	$263	$373
Liberty Mutual	$263	$382

Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

While insurance rates decrease around age 35, they increase again around 70. Seniors typically see higher rates because of age-related conditions that may impair driving abilities and the likelihood that an accident involving a senior will lead to high medical costs.

The total average rate for senior drivers is $143 per month. The following companies offer the cheapest car insurance quotes for senior drivers in Naples.

The below rates in Naples, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Mile Auto	$75	$121
State Farm	$75	$105
Progressive	$77	$131
GEICO	$86	$149
Infinity	$91	$171
Dairyland	$95	$267
Embark	$107	$233
Mercury	$109	$146
Direct Auto	$110	$167
GAINSCO	$119	$242
The General	$124	$204
Bristol West	$132	$184
AssuranceAmerica	$133	$209
National General	$133	$155
Allstate	$135	$188
Root	$138	$223
Travelers	$158	$220
Liberty Mutual	$224	$254
Mendota	$226	$308
First Acceptance	$236	$303

Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Progressive

Teens tend to pay the highest insurance rates of any age group. This is because insurers classify teenagers as high-risk drivers due to their lack of experience on the road and the increased likelihood they will engage in dangerous driving behaviors, like distracted driving.

Luckily, teens can lower their insurance costs by staying on their parents’ policy, buying a safe car, and getting good grades in school.

The overall average rate for teen drivers in Naples is $275 per month.

The below rates in Naples, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Progressive	$149	$252
State Farm	$178	$249
Dairyland	$184	$518
GEICO	$185	$321
Mile Auto	$190	$305
Embark	$206	$448
Infinity	$220	$415
Mercury	$243	$324
GAINSCO	$244	$497
The General	$246	$407
Direct Auto	$252	$382
Bristol West	$270	$378
Root	$273	$439
Allstate	$316	$440
National General	$329	$383
AssuranceAmerica	$338	$533
Travelers	$395	$550
Mendota	$436	$593
Liberty Mutual	$452	$512
First Acceptance	$455	$583

Disclaimer: Table data sourced from real-time Naples car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Naples may vary based on the policy buyer's unique driver profile.

Naples car insurance quotes by credit tier

Florida allows insurers to review your credit history in determining your insurance rates. As such, drivers with excellent or good credit usually see lower insurance rates. On the other hand, drivers with poor credit see higher rates.

The table below shows how your credit affects the quotes you can expect to see in Naples.

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Is car insurance more expensive in Naples?

Naples, like most cities on the coast of Florida, is susceptible to hurricanes and strong winds. This is why the cost of car insurance in Naples is significantly more than the national monthly average cost of car insurance of $136.

More cities in Florida

While car insurance in Naples exceeds the national average, rates are cheaper here than in many other Florida cities.

The table below illustrates car insurance quotes in various cities in Florida.

City	Average Quote: Liability Only	Average Quote: Full Coverage
Apopka	$143	$235
Cape Coral	$127	$203
Clearwater	$135	$209
Daytona Beach	$132	$218
Fort Lauderdale	$172	$246
Fort Myers	$136	$207
Gainesville	$114	$190
Jacksonville	$141	$220
Miami	$184	$272
Orlando	$161	$239
Tampa Bay	$187	$271

Disclaimer: Table data is based on real-time Naples quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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