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Finding the cheapest car insurance quotes in Naples shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 $560 for a six-month policy, which is $32 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $321, 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.
At $321 for a six
month policy, American National P&C offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto
insurance rates at $347 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Idaho Farm Bureau
Idaho Farm Bureau offers auto insurance
rates at $377
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, ID is American National P&C, offering policies at just $321 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $347.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1077 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.
The auto insurance costs in Naples fall around $321 for six
months.
The cheapest auto insurance company in Naples is USAA.
Teen drivers pay the highest rate in Naples at $589 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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.
USAA provides
the cheapest minimum car insurance
coverage in Naples. Their Average 6 Month Premium is $120.
Farm Bureau is the most
expensive at $220 for the same
period.
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 American National P&C
at $53 per month and $321
for six months.
Cheapest Full Coverage Car Insurance Quotes in Naples,
ID
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, ID increasing?
Despite maintaining a clean driving record, your car insurance rates
in Naples, Idaho, may be increasing due to several external factors.
Idaho 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
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Cheapest Car Insurance Rates for Teen Drivers in
Naples,ID
If you are planning to get a car insurance policy for your teenage
dependent, American National P&C provides the cheapest car
insurance in the Naples at $27
per
month. At $3501 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Naples.
As young drivers face the highest rates in Naples, N/A
offers the cheapest auto insurance rates at $N/A 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,
Idaho Farm Bureau is
the cheapest car insurance provider. At $233 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 USAA, offering
rates of around $869 for six
months.
Save up to $971/yr on car insurance rates in Naples.
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, ID,
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 American National
and AutoOwners Insurance Co, offering $170
and $182,
respectively. Sentry is an expensive provider
with an average six-month premium of
$2538.
Here is a list of driving violations that can increase your car
insurance rates in Naples ID. For example, the car
insurance in Naples
after a DUI increases to $522 for a six
month policy. While the rate increases by $156 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
$769
$128
One Med/PIP claim
$775
$131
Not-at-fault accident
$793
$133
One comp claim
$818
$139
Failure to wear a seat belt
$831
$139
Two Med/PIP claims
$831
$141
Child safety restraint
$888
$148
Driving without lights
$888
$151
Two comp claims
$894
$149
Failure to show documents
$900
$153
Cell phone violation
$919
$154
Driving with expired registration
$919
$156
Following too closely
$919
$154
Illegal turn
$919
$156
Texting while driving
$919
$154
Wrong way/wrong lane
$919
$156
Driving too slowly
$925
$155
Failure to yield
$925
$157
Speeding 11 - 15 MPH over limit
$925
$155
Speeding 6 - 10 MPH over limit
$925
$157
Failure to stop at a red light
$932
$156
Improper passing
$938
$159
Speeding 16 - 20 MPH over limit
$938
$157
In 65 MPH zone
$944
$161
Speeding in school zone
$944
$158
Speeding 21 - 25 MPH over limit
$957
$163
Open container
$1020
$170
At-fault accident - less than $1000
$1026
$175
Passing school bus
$1052
$175
Operating a vehicle without permission
$1064
$181
At-fault accident - $1000-$2000
$1127
$188
At-fault accident - greater than $2000
$1127
$192
Driving with a suspended license
$1234
$206
Reckless driving
$1240
$211
Refusal to submit to a chemical test
$1253
$209
DUI
$1291
$219
Racing
$1291
$215
Leaving scene of an accident/hit and run
$1322
$225
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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 American National P&C at $220 for a six-month policy.
However, it can be as
expensive as $2090 with companies
like Mutual of Enumclaw.
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 AutoOwners Insurance Co
at $158. However,
it can be as expensive as $491
with companies like USAA for a similar
six-month premium.
Cheapest Car Insurance in Naples after Speeding ticket
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 rose by
$158 in January
compared to $141 of December. In other words, there has been an increase by $17 when you
compare January and December.
The average cost of liability insurance in the Naples dipped to $32 in January,
compared to $35 in December.
This represents an decrease of $3
when comparing January and December.
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 $1119 for a
six-month policy, insuring
your car at 83847 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Naples?
The car insurance in Naples is $20 per month, which is lower than the national average.
What is the cheapest car insurance in Naples?
The cheapest car insurance in Naples
is $53 per month
for full coverage.
How much is car insurance in Naples for teenagers?
Car insurance for teenagers costs $158 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 $528 for a six-month
policy. It will cost around $93 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.
What is the best car insurance in Naples,
ID?
The best car insurance company in Naples
ID is
American National P&C, offering $321 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Naples, ID
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Naples Car Insurance
