Cheapest Car Insurance Quotes in Naples

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401,895 Policies Sold

Naples Car Insurance

^$ 17

/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 Naples

The car insurance rate in Naples is $1382 for a six-month policy, which is $283 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $848, making it a popular choice for budget-conscious drivers. Rates in Naples 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 Naples

$1382

Avg. Car Insurance in Florida

$1665

National Average

$1140

Cheapest Car Insurance Companies in Naples

1st place: Travelers

At $848 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 $902 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1050 for six months, making it the third cheapest auto insurance company in Naples.

Naples Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Naples, FL is Travelers, offering policies at just $848 for a six-month term. This is followed by State Farm, which has an average six-month premium of $902.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2155 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Naples drivers find the best deals.

Cheap Car Insurance Companies in Naples, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$848	$143
State Farm	$902	$152
Nationwide	$1050	$177
United Automobile Ins Group	$1134	$189
Progressive	$1184	$199
UAIC	$1184	$198
MetLife	$1247	$212
Farmers	$1982	$330
Mercury	$2140	$364
Allstate	$2155	$363

Key Takeaways

Way's key takeaways about car insurance in Naples

The auto insurance costs in Naples fall around $848 for six months.
The cheapest auto insurance company in Naples is Patrons Insurance.
Teen drivers pay the highest rate in Naples at $1146 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Naples

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 Naples are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Naples. Their Average 6 Month Premium is $104. Allstate is the most expensive at $745 for the same period.

Cheapest Liability Coverage in Naples, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$104	$17
Travelers	$315	$53
State Farm	$335	$56
Mercury	$355	$60
Nationwide	$394	$67
Farmers	$547	$91
AIG	$557	$95
Progressive	$582	$98
United Automobile Ins Group	$597	$101
UAIC	$646	$108
Allstate	$745	$125

Cheapest Full Coverage Car Insurance in Naples

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 Naples is Travelers at $143 per month and $848 for six months.

Cheapest Full Coverage Car Insurance Quotes in Naples, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$848	$143
State Farm	$902	$152
Nationwide	$1050	$177
United Automobile Ins Group	$1134	$189
Progressive	$1184	$199
UAIC	$1184	$198
MetLife	$1247	$212
Farmers	$1982	$330
Mercury	$2140	$364
Allstate	$2155	$363

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Average Car Insurance in Naples 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 Naples, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Naples, 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, Naples's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Naples

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1077
40s	Travelers	$813
50s	Travelers	$758
60s	Travelers	$747

Cheapest Car Insurance Rates for Teen Drivers in Naples,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Naples at $75 per month. At $6740 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$449	$75
AIG	$607	$103
Travelers	$1375	$232
State Farm	$1809	$305
UAIC	$2692	$449
United Automobile Ins Group	$2795	$476
Allstate	$4240	$714
Mercury	$5256	$885
Progressive	$5616	$945
Farmers	$6740	$1146

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Naples.

As young drivers face the highest rates in Naples, Travelers offers the cheapest auto insurance rates at $1077 for six months.

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 Naples, Nationwide is the cheapest car insurance provider. At $537 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 Naples is Allstate, offering rates of around $4309 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$537	$91
Mercury	$587	$98
Direct General Insurance	$612	$104
Travelers	$1164	$196
UAIC	$1184	$201
Progressive	$2287	$381
Farmers	$2741	$466
State Farm	$4107	$685
Allstate	$4309	$733

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Car Insurance Rates with An Accident in Naples

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 Naples, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Naples include Nationwide and AIG, offering $567 and $725, respectively. National General is an expensive provider with an average six-month premium of $877.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$567	$95
AIG	$725	$123
Travelers	$818	$138
State Farm	$843	$142
United Automobile Ins Group	$1474	$246
Mercury	$1523	$256
UAIC	$1543	$257
Progressive	$2021	$340
Farmers	$2766	$461
Allstate	$3742	$630
National General	$877	$149

Naples Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Naples FL. For example, the car insurance in Naples after a DUI increases to $778 for a six month policy. While the rate increases by $236 for a six-month policy in the case of a speeding ticket.

Naples auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1514	$252
One Med/PIP claim	$1514	$257
Not-at-fault accident	$1637	$273
Two Med/PIP claims	$1682	$286
One comp claim	$1706	$285
Child safety restraint	$1711	$291
Failure to wear a seat belt	$1711	$286
Driving without lights	$1716	$291
Failure to show documents	$1716	$286
Speeding 6 - 10 MPH over limit	$1750	$298
Improper passing	$1755	$292
Passing school bus	$1755	$299
Wrong way/wrong lane	$1755	$292
Failure to stop at a red light	$1760	$300
Failure to yield	$1760	$293
Illegal turn	$1760	$300
Cell phone violation	$1765	$294
Driving with expired registration	$1765	$300
Following too closely	$1765	$294
Texting while driving	$1770	$301
Two comp claims	$1809	$301
Driving too slowly	$1819	$310
Speeding in school zone	$1819	$303
Speeding 11 - 15 MPH over limit	$1824	$310
In 65 MPH zone	$1888	$315
Speeding 16 - 20 MPH over limit	$1888	$321
Speeding 21 - 25 MPH over limit	$1898	$316
Open container	$1918	$326
Operating a vehicle without permission	$1918	$320
At-fault accident - less than $1000	$2081	$354
At-fault accident - $1000-$2000	$2115	$353
At-fault accident - greater than $2000	$2115	$359
Racing	$2287	$381
DUI	$2292	$390
Refusal to submit to a chemical test	$2292	$382
Driving with a suspended license	$2332	$397
Reckless driving	$2381	$397
Leaving scene of an accident/hit and run	$2406	$409

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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 Naples 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 Naples.

The cheapest car insurance premiums in Naples are offered by AIG at $533 for a six-month policy. However, it can be as expensive as $661 with companies like National General.

Naples car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$533	$89
Travelers	$848	$143
State Farm	$1030	$173
Progressive	$1040	$175
Allstate	$1893	$319
UAIC	$2086	$354
Farmers	$2253	$375
National General	$661	$110

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 Naples are offered by Nationwide at $463. However, it can be as expensive as $2406 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Naples after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$463	$79
State Farm	$597	$100
Travelers	$715	$120
UAIC	$1184	$198
Allstate	$1356	$228
Progressive	$1957	$326
Farmers	$2406	$409

Car Insurance Price Trends in Naples, Florida

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

The average cost of full coverage in the Naples remained steady at $229 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Naples remained steady at $70 in both December and November, indicating no change over the two month period.

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Average Car Insurance Cost in Naples by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Naples. At $1478 for a six-month policy, insuring your car at 34110 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
34110	$1478	$248
34120	$1533	$257
34117	$1451	$244
34116	$1533	$257
34105	$1451	$244
34104	$1478	$248
34114	$1451	$244
34103	$1437	$241
34113	$1464	$246
34102	$1423	$239
34112	$1492	$250
34109	$1478	$248
34108	$1451	$244
34119	$1520	$255

Frequently Asked Questions

How much is car insurance in Naples?

The car insurance in Naples is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Naples?

The cheapest car insurance in Naples is $143 per month for full coverage.

How much is car insurance in Naples for teenagers?

Car insurance for teenagers costs $449 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 Naples?

The average cost of car insurance is $1665 for a six-month policy. It will cost around $232 per month to insure your car in Naples.

Is car insurance expensive in Naples?

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

Cheapest Car Insurance Quotes in Naples

Why you can trust Way?

How Much Is Car Insurance in Naples

Avg. Car Insurance in Naples

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Naples

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Naples Car Insurance Rates by Company

Cheap Car Insurance Companies in Naples, FL

Way's key takeaways about car insurance in Naples

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Naples

Cheapest Liability Coverage in Naples, FL

Cheapest Full Coverage Car Insurance in Naples

Cheapest Full Coverage Car Insurance Quotes in Naples, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Naples by Rating Factor

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

Car Insurance Premiums by Age in Naples

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Naples,FL

If you are in your twenties Travelers is the best choice for car insurance in Naples.

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 Naples

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

Naples Car Insurance Rates by Violation

Naples auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Naples after a DUI

Naples car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Naples after Speeding ticket

Car Insurance Price Trends in Naples, Florida

Average Car Insurance Cost in Naples by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Naples, FL

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

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Data Sources