Cheapest Auto Insurance in Naples, Florida (2025)

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 $169, less than Florida’s monthly average of $182.

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.

Best insurer for military members: USAA

Best insurer for teen drivers: State Farm

Best insurer for drivers with an incident: GEICO

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.

Cheapest liability-only car insurance in Naples: State Farm

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 $139 per month. You can find more affordable insurance companies for liability-only policies in Naples in the table below.

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 $200 per month in Naples. You can see a collection of quotes from area insurers in the table below.

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.

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

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: State Farm

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 $226 per month with a speeding ticket on your record, and the table below shows how quotes from different insurers adjust after a ticket.

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

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 $211 per month, and the table below shows how an accident can increase quotes compared to drivers with a clean record.

Cheapest car insurance for drivers with a DUI: State Farm

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 $220 per month. Here, you can see a collection of insurers that insure drivers with a DUI on their record.

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 $150 per month. The following companies offer the cheapest car insurance quotes for senior drivers in Naples.

Cheapest car insurance for teens: State Farm

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 $289 per month.

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.

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 $144.

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.