Cheap Car Insurance in Naples, FL
Everything You Need to Know about Auto Insurance in Florida
The Naples Metro Area includes Immokalee and Marco Island and is one of Florida’s most underrated destinations, known for its stunning beaches, cultural opportunities, and luxury retreats. Start by visiting Marco Island’s white sand beaches before heading to the legendary Naples Pier with its breathtaking sunsets. While you’re at it, visit the Naples Botanical Garden and Corkscrew Swamp Sanctuary, which immerse their visitors into radically different ecosystems for a trip to remember.
If you want to drive legally in Naples-Immokalee-Marco Island, you must be insured. Continue reading to learn more about car insurance in Florida with a word on its no-fault status, minimum requirements to drive legally, and ways to save on your next bill.
How Much Does Car Insurance Cost in Naples-Immokalee-Marco Island, FL?
Naples residents pay an average monthly liability-only premium of $70 and an average total coverage premium of $180. Florida has some of the most expensive insurance in the country. These averages compare to $58 for state-required minimum liability and $168 for full coverage, nationwide.
What Does it Mean if Florida Is No-Fault?
Florida is a no-fault state, which means drivers must carry personal injury protection (PIP) insurance, which covers the cost of each driver’s medical bills and lost wages, regardless of who is determined to be responsible for an accident. Each party’s insurance company is required to pay out all damages for their policyholder (with some key exceptions).
As a result, bodily injury coverage is not required. However, we highly recommend carrying it to avoid exorbitant out-of-pocket costs. Please consult your insurance company or the Department of Motor Vehicles for more information on Florida’s no-fault status.
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Affordable Car Insurance Rates Comparison by Cities in Florida
To learn the average monthly premiums paid by cities throughout the state of Florida, refer to our breakdown below:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Naples | $180 | $70 |
| Jacksonville | $210 | $80 |
| Miami | $310 | $100 |
| Orlando | $240 | $90 |
| Tallahassee | $190 | $60 |
Affordable Naples Car Insurance Rates by Zip Code
One major factor providers look at to determine the cost of your premiums is your zip code. Residents of zip codes with high theft, vandalism, and claims rates will almost always see higher premiums.
For the average monthly premium paid by Naples residents by zip code, see our breakdown below:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 34101 | $190 | $70 |
| 34102 | $190 | $70 |
| 34103 | $190 | $70 |
| 34104 | $190 | $70 |
| 34145 | $190 | $70 |
| 34142 | $200 | $70 |
Low-Cost Car Insurance Rates by Age in Naples
Younger drivers can always expect higher premiums than older drivers, thanks to a higher claims rate and less experienced driving record. As you go into your 30s, 40s, and 50s, expect your rates to stabilize (assuming a clean driving record) before eventually going back up in your 60s and 70s due to slower reflexes and a higher risk of accidents.
For the average monthly premium paid by Naples residents by age, see our breakdown below:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $630 | $200 |
| 20s | $210 | $70 |
| 30s | $190 | $70 |
| 40s | $180 | $60 |
| 50s | $170 | $60 |
| 60s | $180 | $60 |
| 70s | $210 | $80 |
* Methodology: The following demographic profile was used to determine average monthly premiums for this guide: a 30-year-old male with the minimum limits required by Florida state drivers. Many factors affect premium pricing, including your age, zip code of residence, gender, and eligibility for various types of discounts like multi-policy and multi-vehicle discounts.
Driving Conditions in Naples, FL
How Many Fatal Accidents Happen in Naples, Florida?
In 2020, there were four fatal road traffic accidents in Naples involving a total of five vehicles. Of these, seven people were involved, including zero pedestrians.
How Are the Road Infrastructure and Bridges in the Naples Metro Area?
The Naples Metro Area has dedicated Public Works departments that focus on improving its residents’ roads and infrastructure. This includes the maintenance of all shared-use paths, bridges, infrastructure, stormwater management, and similar initiatives.
For more information on Naples-Immokalee-Marco Island Public Works, visit the following websites:
Minimum Car Insurance Requirements in Naples, FL
Here are the liability-only requirements all Florida drivers must adhere to:
- Property Damage: $10,000 per accident
In addition, Florida is a no-fault state, which means every driver must carry personal injury protection (PIP) of $10,000 to cover the cost of medical bills, lost wages, and similar expenses.
As always, we recommend purchasing full coverage and carrying limits above what the Florida Department of Highway Safety and Motor Vehicles (DHSMV) mandates, preferably a 100/300/100 policy for greater peace of mind. With the cost of a new vehicle now averaging more than $40,000, Florida’s property damage minimum barely scrapes the surface.
What Are the Penalties for Driving Without Insurance in Naples, FL?
If you are caught driving without insurance in Florida, expect to pay the following penalties:
- Driver’s license and registration suspension
- $150 reinstatement fee and license registration suspension of up to three years for first-time offenders
- $250 reinstatement fee and license registration suspension up to three years for second-time offenders (within three years of the first offense)
- $500 reinstatement fee and license registration suspension up to three years for subsequent offenses (within three years of the first offense)
Remember, all Florida drivers must carry $10,000 for property damage liability (PDL) and $10,000 for personal injury protection (PIP).
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Factors Allowed in Naples Car Insurance Rates
There are many factors providers use to determine the cost of your premiums, including but not limited to:
- Driving record
- Liability limits
- Amount of deductible
- Vehicle make and model
- Zip code of residence
- Credit history
- Age and gender
Feel free to reach out to your provider to understand how it calculates premiums and what factors are weighted the heaviest. One provider may have radically different underwriting policies than a competing provider.
Here’s What You Need to Know When Driving in Florida
When driving in Florida, be mindful of the following rules and regulations to limit the chances of filing a claim due to an at-fault accident, moving violation, or similar scenario:
- Move Over Law. Upon approaching an emergency vehicle, this law requires all Florida drivers to move to the next lane. If moving to the next lane is impossible, slowing down to 20 mph less than the posted speed limit is required.
- No Texting and Driving. Florida law prevents drivers from texting and driving in designated school children and construction zones. Any citation for texting and driving must come with a primary reason by law enforcement for being pulled over, e.g., running a red light.
- Child Restraint Law. All children under the age of five must be in a child restraint seat, with provisions for children ages three or younger (separate or built-in car seat) and ages four to five (use of separate car seat, booster, or built-in child seat).
What Are the Best Discounts for Car Insurance in Naples, FL?
One of the best ways residents can save on a policy is by enrolling in discount programs. You can be rewarded for everything from paying your annual premium upfront to maintaining a clean driving record.
Here is only a tiny sampling of the types of discounts you can enjoy with a clean record:
Not all providers offer the same discounts, so we highly recommend you shop around and compare programs before signing on the dotted line.
Get an Online Quote for Car Insurance in Naples, Florida Today!
If you are a Naples Metro Area resident interested in a new auto insurance policy, let Freeway Insurance lend you a hand.
There are three ways to contact Freeway Insurance. Feel free to visit us online, visit an office near you, or call (800) 777-5620 for an obligation consultation with one of our friendly agents. Let’s discuss all of your policy options today!