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How much is car insurance in Naples?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $18 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 around $24 more expensive for coverage in Naples than the average rates seen in the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Naples, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down average rates for Naples residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $71 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Naples.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Naples, this difference shakes out to about $4 a month. Based on the chart above, you can see that male drivers pay $107 on average, while female drivers typically pay $103 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Naples with a single accident on their record will usually see rates around $132 a month. Similarly, drivers with one ticket will typically pay around $111 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$107|
|15 Years or Older||$98|
According to the first table above, the cheapest vehicles to insure in Naples are usually trucks and vans, at $90 per month.
SUV drivers will see rates of about $95, while the rates for car owners average out to about $113 per month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Naples are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$109|
Generally, people who are married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Naples is no exception, with the difference totaling to around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$183|
One other element taken into consideration is your living situation. Renters can expect to pay around $31 a month more than homeowners in Naples. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Naples, FL
Recent trends in car insurance for Naples drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
Car insurance rates in Naples have been mixed recently. They dropped in 2017, increased in 2019, and fell again in 2021, before finishing at $92 in 2022.
How does Naples compare to neighboring areas?
Why are car insurance rates in Naples different from other areas?
Car insurance companies take in many factors when figuring out how much individual insurance policies will cost. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Local laws
- Number of drivers
- Road Safety (how many accidents each locality has)
- Access to off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
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 to request a quote from a car insurance company.
But hold on! Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in Naples.
Naples 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 like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Naples different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Naples?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Naples or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?