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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Many know Naples, Florida, for its beautiful white-sand beaches and luxury shopping experiences. If you’re planning a move to this picturesque town on the Gulf Coast, you may be looking for a new car insurance policy.
The average premium in Naples is $233 per month — a bit lower than the statewide average of $258, according to Compare.com data. But your rate could be different depending on your unique driver profile.
This guide explores everything you need to know about car insurance in Naples, including average rates for different demographics, the cheapest insurers, and how to save on your next policy.
State Farm offers the cheapest overall average monthly premiums in Naples, at $68.
The average Naples driver pays $188 per month for liability coverage and $277 for full coverage.
Florida drivers must have personal injury protection (PIP) and property damage liability (PDL) insurance to drive in the state.
Location ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Naples, FL | $188 | $277 | $233 |
| Florida | $216 | $300 | $258 |
| National average | $106 | $210 | $158 |
The overall average monthly cost for auto insurance in Naples is $233, according to Compare.com data. Drivers pay $188 per month for liability insurance and $233 per month for full-coverage car insurance.
While insight into average insurance rates can be helpful, it’s important to understand that costs will vary based on your unique situation. To give you a starting point for comparing coverage, here’s a look at Naples’ cheapest car insurance companies.
Compare personalized quotes from the city's best insurers
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Regardless of average rates, several companies offer auto insurance rates below the citywide average. Let’s look at the five cheapest companies in Naples, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $68 |
| GEICO | $70 |
| Allstate | $118 |
| Travelers | $141 |
| Safeco | $146 |
State Farm offers the cheapest average monthly premium of $68. But again, your insurance rates will vary based on your driving record, gender, age, ZIP code, how much coverage you want, and other factors.
The following sections detail the cheapest rates based on coverage levels and driver demographics.
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Because rates vary by person, there’s no single best car insurance company for everyone. The best company for you will depend on your unique coverage needs, budget, and other factors — and you have plenty of options to choose from.
We chose the following companies based on average rates, available discounts, customer ratings and reviews, and coverages offered in Naples.
Average premium: $63 per month
Compare.com Rating: 4.90 out of 5
Among the cheapest rates for Naples seniors
Above-average J.D. Power score
Many available discounts
Downgraded financial strength rating from AM Best
Poor online reviews
Few local agents
State Farm offers some of the cheapest average rates for senior drivers in Naples, as well as several discounts that could help you reduce your insurance premiums even further. Seniors can take advantage of discounts, including ones for bundling multiple policies and owning a car with advanced safety features or anti-theft devices.
It’s also worth noting that the company earned the second-highest rating in Florida in the J.D. Power 2024 U.S. Auto Insurance Study.
Average premium: $110 per month
Compare.com Rating: 4.93 out of 5
High customer satisfaction ratings in Florida
Plenty of available discounts
Several local insurance agents
Poor online reviews
Higher average rates than some competitors
Claims process needs improvement
Naples drivers seeking an excellent customer experience may want to get a quote from Allstate. The insurer ranked fourth in Florida for customer satisfaction in the J.D. Power 2024 U.S. Auto Insurance Study. It also offers a broad network of local insurance agents, so you can easily get personalized assistance for all your insurance needs.
Allstate has higher average rates than some competitors, but its many discounts could help offset your car insurance prices. You can get discounts if you purchase multiple policies with the company, buy a new car, or are a student. Other ways to save include installing anti-lock brakes or anti-theft devices in your vehicle.
Average premium: $65 per month
Compare.com Rating: 4.65 out of 5
Low rates for teens
Above-average customer satisfaction scores
Many local agents
Gap insurance not available
Poor online reviews
Few age-specific discounts
Though teen drivers pay more for insurance nationwide, they can find affordable coverage with our top pick, GEICO. The insurer charges teens an average of $134 per month but offers even more savings opportunities with its discounts and telematics program.
Young drivers who enroll in GEICO’s DriveEasy program will receive 10% off. Teens who earn good grades can save as much as 15%, and they can earn up to 22% off coverage for remaining accident-free for at least five years.
Compare quotes and find the best company for your unique needs
Your coverage needs greatlyaffect your rates — the more coverage you get, the more you’ll pay. On the other hand, liability insurance at the state-minimum limits is the cheapest policy available.
A liability-only policy will only cover other drivers’ medical expenses and property damage if you cause a car accident. But this leaves you vulnerable because it doesn’t cover your injuries or vehicle damage.
Here are five insurers offering the cheapest liability-only auto insurance policies in Naples, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $63 |
| GEICO | $65 |
| Hugo | $70 |
| Allstate | $110 |
| Safeco | $124 |
State Farm offers the cheapest liability coverage in Naples, with an average rate of $63 per month, according to our research. If you’d prefer a higher coverage level, let’s take a look at average rates for full-coverage insurance policies.
Full-coverage car insurance commonly includes liability coverage, plus collision and comprehensive insurance, which protect your car and pay for your medical expenses if you get into an accident. But while more coverage means more protection and financial security, it also translates to a more expensive auto policy.
The insurers in the table below offer the cheapest rates for full-coverage policies, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $72 |
| GEICO | $74 |
| Allstate | $126 |
| Travelers | $151 |
| Mercury | $158 |
State Farm is the cheapest insurer for full coverage in Naples, with an average monthly premium of $72, according to our data.
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Your insurance costs will also vary based on your age. Teenage drivers typically pay the highest insurance rates because statistics show they’re more likely to get into crashes. In fact, teens are four times more likely to have a car accident than drivers older than 20, according to the Insurance Institute for Highway Safety (IIHS).
Here’s how average monthly premiums in Naples vary by age group and the cheapest insurer for each group, according to Compare.com data.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $289 | GEICO | $134 |
| 20s | $215 | GEICO | $104 |
| 30s | $186 | State Farm | $87 |
| 40s | $180 | State Farm | $83 |
| 50s | $168 | State Farm | $77 |
| 60s | $156 | State Farm | $69 |
| 70s | $163 | State Farm | $68 |
In the section below, we’ll take a closer look at the cost of insurance for teen and senior drivers.
Crash statistics show that teen drivers pose a higher risk on the road because of their inexperience and likelihood of distracted driving, so insurance companies typically charge them higher car insurance rates.
The citywide average insurance cost for teenage drivers in Naples is $289 per month, according to our data. But teens can find the cheapest average rate with GEICO, at just $134 per month.
Drivers approaching retirement age benefit from some of the cheapest insurance rates available. Older drivers tend to drive safer and are involved in fewer fatal crashes, according to IIHS, so it makes sense that insurance rates would be lower for this demographic.
We found that senior drivers in their 60s pay an average of $156 per month for car insurance in Naples. But these drivers can find the cheapest rates with State Farm, at about $68 per month.
Your driving record also has a major effect on your car insurance rates. Insurance companies generally view drivers with past speeding tickets, at-fault accidents, or driving under the influence (DUI) convictions as high risk.
The table below shows how average insurance rates vary based on different driving records, according to our analysis.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $188 | State Farm | $89 |
| Speeding ticket | $222 | State Farm | $102 |
| At-fault accident | $239 | State Farm | $110 |
| DUI | $276 | State Farm | $135 |
The following sections provide further insight into how insurance rates change after certain driving infractions.
A speeding ticket increases your risk profile, and insurance companies will generally increase your rates if you get one. Just one speeding ticket can raise average rates by 27% nationwide, according to Compare.com data.
The average citywide premium for Naples drivers with a speeding ticket is $222 per month, but State Farm offers the lowest average premiums of $102 per month.
Your insurance premiums will also go up if you cause an accident. Insurance rates increase nationally by an average of 34% after one at-fault accident, according to our analysis.
On average, Naples drivers with an at-fault accident on their record pay $239 per month for car insurance. State Farm offers the cheapest average rate for people with a recent accident, at $110 per month.
A DUI conviction is one of the most serious driving infractions that always leads to a rate increase and other penalties. In fact, national average insurance rates increase by 50% after a DUI, according to Compare.com data.
The citywide average premium for Naples drivers with a DUI is $276. State Farm offers the most affordable coverage for these drivers, with an average monthly premium of $135.
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Before you can register a vehicle in the state of Florida, you’ll need to prove you meet the state’s minimum auto insurance requirements. Florida differs from many other states in that it doesn’t require drivers to have bodily injury liability insurance. That’s because Florida is what’s known as a “no-fault” state, where each driver’s insurance company covers its own medical costs.
Here are the minimum requirements:
$10,000 in personal injury protection (PIP) coverage
$10,000 in property damage liability (PDL) coverage
Your PIP coverage can pay for your medical expenses if you’re in an accident, regardless of who’s responsible. And PDL coverage pays for damage to the other driver’s car or other property, such as mailboxes, fences, or landscaping if you’re responsible for an accident.
If you don’t have the required coverage, the state may suspend your license and registration, and you may have to pay a reinstatement fee of up to $500.
Though the cost of car insurance can vary from person to person, there are plenty of ways to lower your premium. Here are four ways you to save on your auto policy:
Research potential discounts: Many insurers offer discounts on car insurance, but the available options vary by company. Research potential discounts before you get a new policy.
Maintain a clean record: Avoiding accidents and tickets is one of the best ways to keep your car insurance costs as low as possible.
Opt for a higher deductible: Choosing a higher deductible — the amount you pay before your insurer pays after a claim — can result in lower insurance rates. Just be sure that you can afford to pay more out of pocket if you file a claim.
Compare car insurance companies: Getting car insurance quotes from multiple companies is one of the best ways to ensure you’re getting affordable coverage. You can also use a car insurance comparison tool to make it easier to gather quotes.
Get Cheaper Car Insurance in Minutes
Here are some of the most commonly asked questions about auto insurance in Naples if you’re still unsure about coverage options.
State Farm offers the cheapest average monthly car insurance rates in Florida. Its average monthly rate is $68, according to Compare.com data. But your personal rate will depend on your unique driver profile.
The average monthly cost of car insurance in Naples, Florida, is $233, according to our data. That breaks down to an average monthly rate of $188 for liability insurance and $277 for full coverage.
Florida requires drivers to purchase $10,000 in PIP coverage and $10,000 in property damage liability coverage to drive in the state.
It’s illegal to drive without insurance in Naples. You could end up paying expensive fines, or worse, the state will suspend your license. Ensure you meet the state’s minimum requirements for auto insurance before getting behind the wheel.
The average monthly cost of car insurance in Florida is $258, according to our data. Drivers pay an average rate of $300 per month for full coverage and $216 per month for minimum coverage.
Data Methodology:
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Sources:
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed September 17, 2024.
A.M. Best, “AM Best Downgrades Credit Ratings of State Farm General Insurance Company,” accessed September 17, 2024.
Trustpilot, “State Farm,” accessed September 17, 2024.
Trustpilot, “Allstate,” accessed September 17, 2024.
Trustpilot, “GEICO,” accessed September 17, 2024.
Insurance Information Institute (Triple_I), “What is covered by a basic auto policy?”, accessed September 17, 2024.
IIHS, “Teenagers,” accessed September 17, 2024.
IIHS, “Older drivers,” accessed September 17, 2024.
Florida Highway Safety and Motor Vehicles (FLHSMV), “Florida Insurance Requirements,” accessed September 17, 2024.
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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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