Best Cape Coral, Florida Auto Insurance in 2024
The average Cape Coral, FL auto insurance rates are $337 per month. The minimum auto insurance in Cape Coral is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Cape Coral, Florida, compare quotes from multiple companies.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Sep 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Cape Coral, Florida is 10/20/10
- The cheapest auto insurance company in Cape Coral is USAA
- The most expensive auto insurance company in Cape Coral for teen drivers is Allstate
Cape Coral, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Cape Coral 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 Cape Coral, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Cape Coral to other Florida cities, including St. Petersburg auto insurance rates, Tampa auto insurance rates, and Tallahassee auto insurance rates to see how Cape Coral, Florida auto insurance rates stack up.
Before you buy Cape Coral, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Cape Coral, Florida auto insurance quotes.
Minimum Auto Insurance in Cape Coral, Florida
Cape Coral auto insurance laws require that you meet the state minimums for car insurance in Florida to be financially responsible in the event of an accident. Take a look at the required auto insurance in Cape Coral, Florida.
Minimum Required Auto Insurance Coverage in Cape Coral, 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 Cape Coral, Florida Auto Insurance by Age, Gender, and Marital Status
There are many factors that affect car insurance rates. Insurance rates in Cape Coral, 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 Cape Coral, 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 | $3,819 | $3,633 | $3,308 | $3,354 | $13,047 | $14,053 | $3,809 | $3,858 |
| 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 | $3,451 | $3,263 | $2,971 | $3,180 | $9,764 | $10,692 | $4,169 | $4,014 |
| State Farm | $2,056 | $2,056 | $1,862 | $1,862 | $5,678 | $7,203 | $2,289 | $2,414 |
| USAA | $1,403 | $1,378 | $1,313 | $1,301 | $4,844 | $5,619 | $1,753 | $1,891 |
Cheap Cape Coral, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Cape Coral, Florida is a challenge. Take a look at the annual teen auto insurance rates in Cape Coral, Florida.
Annual Auto Insurance Rates for Teen Drivers in Cape Coral, Florida
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,047 | $14,053 |
| Geico | $4,442 | $5,614 |
| Liberty Mutual | $6,704 | $10,293 |
| Nationwide | $6,176 | $7,581 |
| Progressive | $9,764 | $10,692 |
| State Farm | $5,678 | $7,203 |
| USAA | $4,844 | $5,619 |
Cheap Cape Coral, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Cape Coral, Florida? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Cape Coral, Florida
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,308 | $3,354 |
| Geico | $2,322 | $2,322 |
| Liberty Mutual | $2,943 | $2,943 |
| Nationwide | $2,312 | $2,392 |
| Progressive | $2,971 | $3,180 |
| State Farm | $1,862 | $1,862 |
| USAA | $1,313 | $1,301 |
Cheap Cape Coral, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. If you have a bad record you may need to get high-risk auto insurance, which will greatly increase your cost. See the annual auto insurance rates for a bad record in Cape Coral, Florida compared to the annual auto insurance rates with a clean record in Cape Coral, Florida.
Annual Cape Coral, Florida Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,271 | $6,312 | $7,007 | $5,850 |
| 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 | $4,098 | $6,059 | $5,098 | $5,498 |
| State Farm | $2,900 | $3,455 | $3,177 | $3,177 |
| USAA | $1,904 | $2,356 | $3,494 | $1,997 |
Cheap Cape Coral, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Cape Coral, Florida is not easy. Compare the annual rates for DUI auto insurance in Cape Coral, Florida to find the best deal.
Annual Auto Insurance Rates After a DUI in Cape Coral, Florida
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,007 |
| Geico | $4,164 |
| Liberty Mutual | $6,241 |
| Nationwide | $4,631 |
| Progressive | $5,098 |
| State Farm | $3,177 |
| USAA | $3,494 |
Cheap Cape Coral, Florida Auto Insurance By Credit History
Insurance companies use credit scores to determine rates. Therefore, credit history can have a major effect on the cost of auto insurance. See how Cape Coral, Florida annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Cape Coral, Florida
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,521 | $5,410 | $4,399 |
| Geico | $4,576 | $2,782 | $2,098 |
| Liberty Mutual | $5,914 | $4,355 | $3,542 |
| Nationwide | $4,608 | $3,373 | $3,046 |
| Progressive | $6,751 | $4,803 | $4,010 |
| State Farm | $4,368 | $2,843 | $2,321 |
| USAA | $3,952 | $1,945 | $1,417 |
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Cheap Cape Coral, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Cape Coral, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Cape Coral, Florida to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Cape Coral, Florida
| ZIP Code | Average Annual Rates |
|---|---|
| 33904 | $3,130 |
| 33909 | $3,134 |
| 33914 | $3,130 |
| 33990 | $3,134 |
| 33991 | $3,131 |
| 33993 | $3,132 |
Cheap Cape Coral, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Cape Coral, Florida auto insurance. Find the cheapest annual Cape Coral, Florida auto insurance by commute length. If you don’t drive very often, consider pay-per-mile car insurance.
Annual Auto Insurance Rates by Commute Length in Cape Coral, Florida
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,938 | $6,283 |
| Geico | $3,136 | $3,168 |
| Liberty Mutual | $4,457 | $4,751 |
| Nationwide | $3,676 | $3,676 |
| Progressive | $5,188 | $5,188 |
| State Farm | $3,061 | $3,293 |
| USAA | $2,411 | $2,465 |
Cheap Cape Coral, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Cape Coral, Florida? Your rates will change dramatically depending on the types of car insurance coverage you choose. Check out the comparison of annual Cape Coral, Florida auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Cape Coral, Florida
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,914 | $6,382 | $7,034 |
| Geico | $2,627 | $3,258 | $3,571 |
| Liberty Mutual | $4,236 | $4,670 | $4,905 |
| Nationwide | $2,962 | $3,810 | $4,255 |
| Progressive | $4,372 | $5,305 | $5,887 |
| State Farm | $2,734 | $3,253 | $3,545 |
| USAA | $2,098 | $2,527 | $2,688 |
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Best By Category: Cheapest Auto Insurance in Cape Coral, Florida
Compare the cheapest auto insurance companies in Cape Coral, Florida in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Cape Coral, Florida
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Cape Coral, Florida Auto Insurance Companies
What auto insurance companies in Cape Coral, Florida are the cheapest? Compare the top Cape Coral, Florida auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Cape Coral, Florida
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,110 |
| Geico | $3,152 |
| Liberty Mutual | $4,604 |
| Nationwide | $3,676 |
| Progressive | $5,188 |
| State Farm | $3,177 |
| USAA | $2,438 |
What affects auto insurance rates in Cape Coral, Florida?
There are a lot of reasons why auto insurance rates in Cape Coral, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Cape Coral, Florida. Many local factors may affect your Cape Coral auto insurance rates.
Cape Coral Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims, especially if your car insurance covers theft. According to the FBI’s annual Cape Coral, Florida auto theft statistics, there have been 178 auto thefts in the city.
Cape Coral Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cape Coral, Florida commute length is 28.3 minutes according to City-Data.
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Compare Cape Coral, Florida Auto Insurance Quotes
Before you buy Cape Coral, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Cape Coral, Florida auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Cape Coral, Florida?
To comply with Florida auto insurance laws in Cape Coral, the minimum coverage requirements are 10/20/10. This means you must have at least $10,000 in bodily injury liability coverage per person, $20,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
How can I find the best cheap auto insurance in Cape Coral, Florida?
To find the best cheap auto insurance in Cape Coral, Florida, it is recommended to compare quotes from multiple companies. By comparing rates and coverage options, you can find the most affordable policy that meets your needs. Consider using online tools or working with an insurance agent to gather and compare quotes.
How do age, gender, and marital status affect auto insurance rates in Cape Coral, Florida?
Factors such as age, gender, and marital status can impact auto insurance rates in Cape Coral, Florida. Younger drivers, especially teenagers, typically have higher insurance rates due to their lack of driving experience. Gender can also play a role, as statistically, some groups may be more prone to accidents. Marital status can sometimes result in lower rates, as married individuals tend to be seen as more responsible drivers.
What are the average auto insurance rates for teen drivers in Cape Coral, Florida?
Teen drivers often face higher auto insurance rates in Cape Coral, Florida. The exact rates can vary depending on various factors, but generally, teen drivers are considered higher risk due to their limited experience. It’s advisable to contact insurance providers directly to get personalized quotes for teen drivers.
How do driving records affect auto insurance rates in Cape Coral, Florida?
Driving records have a significant impact on auto insurance rates in Cape Coral, Florida. If you have a clean driving record with no accidents or traffic violations, you are likely to receive lower rates. On the other hand, if you have a history of accidents, tickets, or DUI offenses, your rates may increase as you may be considered a higher risk to insure.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.