Naples, FL Car Insurance

On average, Naples drivers pay around $106 a month for their car insurance. Learn more in our handy guide below.
Map of cities where drivers can find cheaper car insurance
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How much can residents of Naples expect to pay for their car insurance? Compared to their surrounding area, how do rates in Naples stack up? What about against the rest of Florida? Discover the factors that go into calculating the average cost in our writeups and charts below:

How much is car insurance in Naples?

Area Average Monthly Car Insurance Premium
Naples$106
FL$123
United States$80

As you can see in the chart above, it is around $17 a month cheaper to insure your vehicle in Naples than it is in the rest of Florida.

Drivers relocating the Naples should take note of the differences in average rates. It's about $26 more expensive than the national average to insure your vehicle in Naples.

While these numbers are the average rates for auto insurance in Naples, that doesn't mean it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Naples so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!


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Naples Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$149
25-34$104
35-44$101
45-54$105
55-64$74
65+$78

It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Naples drivers may see their rates begin to go back up once they hit retirement.

Naples Car Insurance Rates by Gender

Gender Average
Male$107
Female$103

In general, women pay slightly less for car insurance than men. The difference in Naples is around $4 a month. As you can see in the table above, male drivers in the area typically pay $107 on average, while female drivers typically pay $103 each month.

Naples Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$132
Multiple Accidents$147
1 Ticket$115
Multiple Tickets$163

Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Naples, having a single accident on your record will usually get you rates around $132 a month. In addition, drivers with one ticket can expect to pay around $115 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Naples Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$107
2-3 Years$102
4-5 Years$101
6-7 Years$107
8-10 Years$104
11-14 Years$117
15 Years or Older$99

If you look at the first table above, the cheapest vehicles to insure in Naples are typically trucks and vans, at $91 per month.

SUV drivers will see rates of about $94, while the rates for car owners average out to about $113 per month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Naples, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Naples Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$110
Married$98
Divorced$96
Widowed$107

More often than not, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Naples can be as much as $12 a month, so it's worth taking into consideration.

Naples Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$82
Rent$112
Live with parents$183

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $30 a month more than if you own your own home in Naples. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in Naples, FL

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

Car insurance rates in Naples decreased from 2017-2018, before increasing from 2019-2020. They finished up in 2022 at $101.

How does Naples compare to neighboring areas?

Why are car insurance rates in Naples different from other areas?

There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

  • Road Safety (frequency of car accidents)
  • Laws
  • Off-street parking availability
  • Total number of drivers in the community
  • Crime levels

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Naples?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Don't worry, Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering plans in Naples.


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Naples Auto Insurance FAQs

What factors affect car insurance quotes in Naples?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Naples different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Naples?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Naples?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Naples or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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