Cheapest Car Insurance Quotes in Captiva

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Captiva Car Insurance

^$ 46

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Captiva

The car insurance rate in Captiva is $1251 for a six-month policy, which is $374 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $745, making it a popular choice for budget-conscious drivers. Rates in Captiva can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Captiva

$1251

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Captiva

1st place: Travelers

At $745 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $832 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $910 for six months, making it the third cheapest auto insurance company in Captiva.

Captiva Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Captiva, FL is Travelers, offering policies at just $745 for a six-month term. This is followed by State Farm, which has an average six-month premium of $832.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1839 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Captiva drivers find the best deals.

Cheap Car Insurance Companies in Captiva, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$745	$126
State Farm	$832	$140
Nationwide	$910	$153
Progressive	$965	$162
United Automobile Ins Group	$1052	$176
UAIC	$1153	$196
Allstate	$1880	$313
Mercury	$1985	$337
MetLife	$1157	$197
Farmers	$1839	$306

Key Takeaways

Way's key takeaways about car insurance in Captiva

The auto insurance costs in Captiva fall around $745 for six months.
The cheapest auto insurance company in Captiva is Travelers.
Teen drivers pay the highest rate in Captiva at $1063 per month.

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Cheapest Minimum Liability Car Insurance in Captiva

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Captiva are given below.

Travelers provides the cheapest minimum car insurance coverage in Captiva. Their Average 6 Month Premium is $274. Farmers is the most expensive at $507 for the same period.

Cheapest Liability Coverage in Captiva, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$274	$46
State Farm	$297	$50
Mercury	$330	$55
Nationwide	$366	$62
MetLife	$384	$64
AIG	$430	$73
Progressive	$540	$91
United Automobile Ins Group	$554	$94
UAIC	$599	$100
Allstate	$686	$116
Patrons Insurance	$96	$16
Farmers	$507	$85

Cheapest Full Coverage Car Insurance in Captiva

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Captiva is Travelers at $126 per month and $745 for six months.

Cheapest Full Coverage Car Insurance Quotes in Captiva, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$745	$126
State Farm	$832	$140
Nationwide	$910	$153
Progressive	$965	$162
United Automobile Ins Group	$1052	$176
UAIC	$1153	$196
Allstate	$1880	$313
Mercury	$1985	$337
MetLife	$1157	$197
Farmers	$1839	$306

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Average Car Insurance in Captiva by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Captiva, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Captiva, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Captiva's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Captiva

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Captiva,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Captiva at $69 per month. At $6252 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$417	$69
AIG	$563	$95
Travelers	$1226	$206
State Farm	$1473	$248
UAIC	$1962	$330
United Automobile Ins Group	$2593	$441
Allstate	$3202	$539
Progressive	$4121	$694
Mercury	$4876	$821
Farmers	$6252	$1063

Teen Car Insurance Rates in FL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Captiva, Nationwide is the cheapest car insurance provider. At $498 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Captiva is Farmers, offering rates of around $2543 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$498	$85
Mercury	$544	$91
Direct General Insurance	$567	$96
UAIC	$1103	$184
Travelers	$1207	$203
Progressive	$2122	$353
Allstate	$3723	$633
State Farm	$3810	$635
Farmers	$2543	$433

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Car Insurance Rates with An Accident in Captiva

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Captiva, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Captiva

The cheapest car insurance companies after an at-fault accident in Captiva include Nationwide and AIG, offering $526 and $672, respectively. Farmers is an expensive provider with an average six-month premium of $2566.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$526	$88
AIG	$672	$114
State Farm	$782	$132
Travelers	$796	$134
United Automobile Ins Group	$1368	$228
Mercury	$1413	$238
UAIC	$1431	$239
Progressive	$1875	$316
Allstate	$3339	$562
Farmers	$2566	$427

Captiva Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Captiva FL. For example, the car insurance in Captiva after a DUI increases to $723 for a six month policy. While the rate increases by $220 for a six-month policy in the case of a speeding ticket.

Captiva auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1404	$234
One Med/PIP claim	$1404	$239
Not-at-fault accident	$1518	$253
Two Med/PIP claims	$1560	$265
One comp claim	$1582	$264
Child safety restraint	$1587	$270
Failure to wear a seat belt	$1587	$265
Driving without lights	$1592	$270
Failure to show documents	$1592	$266
Speeding 6 - 10 MPH over limit	$1624	$276
Improper passing	$1629	$271
Passing school bus	$1629	$277
Wrong way/wrong lane	$1629	$271
Failure to stop at a red light	$1633	$278
Failure to yield	$1633	$272
Illegal turn	$1633	$278
Cell phone violation	$1638	$273
Driving with expired registration	$1638	$279
Following too closely	$1638	$273
Texting while driving	$1642	$280
Two comp claims	$1679	$280
Driving too slowly	$1688	$287
Speeding in school zone	$1688	$281
Speeding 11 - 15 MPH over limit	$1692	$288
In 65 MPH zone	$1752	$292
Speeding 16 - 20 MPH over limit	$1752	$298
Speeding 21 - 25 MPH over limit	$1761	$293
Open container	$1779	$303
Operating a vehicle without permission	$1779	$296
At-fault accident - less than $1000	$1930	$328
At-fault accident - $1000-$2000	$1962	$327
At-fault accident - greater than $2000	$1962	$333
Racing	$2122	$353
DUI	$2127	$362
Refusal to submit to a chemical test	$2127	$354
Driving with a suspended license	$2164	$368
Reckless driving	$2209	$368
Leaving scene of an accident/hit and run	$2232	$380

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Captiva after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Captiva.

The cheapest car insurance premiums in Captiva are offered by AIG at $494 for a six-month policy. However, it can be as expensive as $2091 with companies like Farmers.

Captiva car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$494	$84
Travelers	$809	$136
Progressive	$929	$156
State Farm	$1116	$188
Allstate	$1509	$254
UAIC	$1940	$323
Farmers	$2091	$348

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Captiva are offered by Nationwide at $430. However, it can be as expensive as $2232 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Captiva after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$430	$72
State Farm	$544	$92
Travelers	$618	$104
Allstate	$1619	$273
UAIC	$1770	$295
Progressive	$2168	$369
Farmers	$2232	$380

Car Insurance Price Trends in Captiva, Florida

Car insurance rates in Captiva have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Captiva dipped by $197 in January compared to $213 of December. In other words, there has been an decrease by $16 when you compare January and December.

The average cost of liability insurance in the Captiva dipped to $64 in January, compared to $65 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Captiva?

The car insurance in Captiva is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Captiva?

The cheapest car insurance in Captiva is $126 per month for full coverage.

How much is car insurance in Captiva for teenagers?

Car insurance for teenagers costs $417 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Captiva?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $210 per month to insure your car in Captiva.

Is car insurance expensive in Captiva?

Car insurance can be expensive in Captiva if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Captiva can be affordable.

Cheapest Car Insurance Quotes in Captiva

Why you can trust Way?

How Much Is Car Insurance in Captiva

Avg. Car Insurance in Captiva

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Captiva

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Captiva Car Insurance Rates by Company

Cheap Car Insurance Companies in Captiva, FL

Way's key takeaways about car insurance in Captiva

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Captiva

Cheapest Liability Coverage in Captiva, FL

Cheapest Full Coverage Car Insurance in Captiva

Cheapest Full Coverage Car Insurance Quotes in Captiva, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Captiva by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Captiva, FL increasing?

Car Insurance Premiums by Age in Captiva

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Captiva,FL

If you are in your twenties N/A is the best choice for car insurance in Captiva.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Captiva

Cheapest Car Insurance Companies after an At-Fault Accident in Captiva

Captiva Car Insurance Rates by Violation

Captiva auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Captiva after a DUI

Captiva car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Captiva after Speeding ticket

Car Insurance Price Trends in Captiva, Florida

Average Car Insurance Cost in Captiva by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Captiva, FL

Car Insurance Rates by State in the USA (2025 Update)

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