Cape Coral, FL Auto Insurance Rates

Cape Coral, FL residents can save $510 by comparing multiple quotes & reading reviews & research on Cape Coral car insurance rates, quotes, agents & coverage.

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$1,031 $1,273 $1,712

Latest Auto Insurance Reviews in Cape Coral, Florida


Geico
It's the least expensive I've found for the same, or better, liability coverage. I'm happy with it because I get a discount for paying six months at a time online.
Citizens Property Insurance
My premium is average as far as costs go. It's a necessity so no use complaining about it. My only complaint would be when to pay the premium.
Usaa
It seems as though my premium is affordable, given the coverage that I have. I think the offerings are appropriate and suitable for my needs.
Esurance
The premium with essurance is slightly lower than the premiums with other insurance companies for the same coverage. It is reasonable and there is not a large charge to break the payments up versus paying it for a year at a time.
Allstate
I wish I could have a lower premium. Insurance costs are so high and I feel like I am not getting as much as I should for the money I pay. I think you pay a company enough every year that they should give you the best coverage. Especially when you have no claims to increase costs.
Progressive
The premium is of really good value compared to other insurance agencies that I have looked into. On the flip side, there are some extras that are not included in that price.
Geico
Unfortunately one of the main drivers in my policy got in an accident causing the rate to go up, but it is still competitive with others based on driving history.
Usaa
This is the only company I could find that offered coverage in the US and in the Virgin Islands
Geico
less expensive for the same coverage
Allstate
Honestly I have not look at any competing companies, I have been very satisfied with the rates I have been offered and have not felt the need to look at other providers.
Geico
Compared to other insurance providers, I am able to have a lower deductible and higher coverage for a lower price.
Usaa
I get full coverage for a very good price compared to my old insurance agency.
Geico
Affordable
State Farm
Dependable service without penalty for using
Usaa
available customer service reps used to be affordable
State Farm
My insurance is comparable to other insurance companies.
Usaa
They have an app as well as a very friendly and efficient call center staff. The last time I used a claim I had a tow truck in 10 minutes and I wasn't in an especially well-populated area.
Usaa
I honestly can say that there is not much I would change. I have never had an issue with their customer service and have always been great.
Usaa
There may not be any physical locations for my company, but when you call them, they do everything they possibly can to fix whatever problem you are calling with.
Citizens Property Insurance
Being able to communicate through email is great. Having the ability to text chat and face time is paramount. Being we live in the country, it takes a while to get anywhere.
Geico
I like that it is all auto-pay so I don't have to really think about it. If I need any information, I will just go to the Geico website and see all the information there.
Usaa
I"m apprehensive about calling in to speak with an agent because I feel like I may admonish for my history versus advised for ways to improve my experience.
Usaa
They offered coverage worldwide with affordable premiums and excellent coverage options that I was able to custom fit to my needs. I would recommend them to anyone.
Geico
Prices, coverage, accessibility.
Geico
Well, I don't need comp in order to get roadside assistance. I an PARANOID car no go in the middle of nowhere. My only problem is the deadline.One time left stupid lights on the car and it was in a parking lot so no problem there. 1-hour service.
Usaa
I mostly like the customer service, when we have called in the past they have bent over backward to help us or save us money.
Usaa
I love that USAA takes care of my banking and my insurance at the same time. It is very convenient for me to only have one website/company to deal with so many things at one time.
Geico
I have all the access I can with Geico 24/7. It is great to be able to get in touch with Geico whenever I need to. The policy has been great and the price I pay is definitely worth it.
Citizens Property Insurance
Always willing to help. Never catch any flack from them about why I'm filing a claim. Agents are helpful and courteous and go above and beyond their duty every time I deal with them.
Motorist Insurance
The only thing I like about the company is that it's the cheapest insurance available to me. I plan on looking elsewhere soon though.
Liberty Mutual
I like them because they are not intrusive, I make my payments and they leave me alone. I think their cost is reasonable. I don't have any problems with them.
Geico
I like the prices for my coverage--Geico is very competitive and I feel like they work to get you the best possible rate. They make the claims process quick and easy.
Esurance
the best thing for me about it is that the premium is the lowest I could find and I can combine it with my rental insurance to make it even cheaper
Geico
It is easy to get in contact with the company, people are friendly and helpful. Everything has gone smoothly and I am saving money. No complaints thus far.
Usaa
I personally have no dislikes. I believe you have to be affiliated with the military to use them by blood or marriage so they are not available to everyone. But I would recommend them to anyone who qualifies.
Progressive
I don't dislike anything about the company. I will never go through another company
Geico
I wish the premium were lower. Other than that, I like everything about them.
Geico
I wish I had a lower price on insurance since I barely drive around at all and there is no freaking traffic out here except deer and cattle.
Usaa
Once again, I don't have anything bad to say, I guess I would always like cheaper rates in general.
Usaa
What most people don't like about USAA is that there aren't any physical locations that we could walk into and deal with stuff.
Citizens Property Insurance
Costs are always going up. At least once a year I have an added cost added to my bill and have to call and have them correct it. It gets frustrating at times.
Usaa
I would like it if there was a way to have the best coverage with a more affordable option. I would also like to feel like I can call in to express my concerns openly.
Write Your Review | Cape Coral, Florida Auto Insurance Analysis
State Farm Auto Insurance, Cape Coral, FL
$110/1 month
Car Insurance Policy Holder
  • Divorced 66 Years old Female licensed 32 years ago with Own Nissan 370Z Nismo used for Business with estimated annual mileage of 15,001 - 20,000.
  • Associate, pursuing Bachelors Degree & Retired.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & >3 people are part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 10 K Property Damage
  • 50 K Personal Injury Protection
  • 10 K Uninsured Motorists Bodily Injury
  • 20 K Uninsured Motorists Property Damage

Cape Coral Car Insurance Rate Comparisons

Cape Coral, FL's average car insurance of $1273 differs from Pineland, FL (-$443), Suncoast Estates, FL (+$567), Fort Myers, FL (+$7) and Florida (+$91)

Cape Coral Pineland, FL Suncoast Estates, FL Fort Myers, FL Florida
Median Insurance Rates $1273 -$443 +$567 +$7 +$91

Cape Coral Car Insurance Savings By Neighborhood & Street Area

Cape Coral Driver Street Residence & Car Locations Car Details in Cape Coral Cape Coral Driver Demographics Cape Coral Auto Insurance Estimates Recent Cape Coral Insurance Savings
Del Tura Country Club Mobile Home Park
Lake Butler Ct2005 Buick Rendezvous CXL42 year married woman$955$463
Bonita Dr2001 Cadillac Seville SLS49 year married man$2,240$824
Other Area
Matecumbe Key Rd2006 Ford Fusion V6 SEL18 year female teenager$2,896$392
Gaspar Key Ln2006 Chrysler 300 C70 year senior$1,713$844
Waterway Estates
SE 10th Ter2004 Chevrolet Silverado 2500HD Work Truck23 year woman$1,127$362
SE 21st St2009 Acura TSX Base16 year male teenager$3,467$559
Serendipity Mobile Home Park
NE 13th Ave2012 Hyundai Sonata GLS19 year teenager$3,157$673
Diplomat Pkwy E2007 Lexus GS 35072 year female senior$1,967$876
Lake Fairways Country Club Mobile Home Park
NW 24th Ave2010 Toyota Prius V21 year man$2,014$641
Harbor Tree Ct2010 Mazda 3 S83 year male senior$1,840$406

Cape Coral Post DUI Car Insurance Rates

Cape Coral Pineland Pine Manor Burnt Store Marina Florida
Median Post DUI Insurance Rate $2367 -$824 +$1111 -$656 +$170
Male Teenager Post DUI Insurance Rate $6368 -$2217 +$2987 -$1767 +$456
Female Teenager Post DUI Insurance Rate $5682 -$1977 +$2665 -$1576 +$405

The Post DUI insurance in Cape Coral, FL's is $2367 compared to Pineland (-$824), Pine Manor (+$1111), Burnt Store Marina (-$656) and Florida (+$170)

In Cape Coral, a male teenager with Post DUI pays $686 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2006 Ford Fusion V6 SEL in Cape Coral, FL would pay $6037 on auto insurance while a female teenager POST DUI would pay $5386.

Cape Coral Car Insurance by Segment

Cape Coral Teenagers Car Insurance Rates Comparison

10618 Cape Coral Teenagers (6% of total population), 58% Male & 42% Female.

Cape Coral Whiskey Creek Cypress Lake St. James City Florida
All Teenagers $3207 -$133 +$1127 -$839 +$230
Male Teenager $3424 -$143 +$1202 -$896 +$245
Female Teenager $3055 -$127 +$1073 -$799 +$218

Cape Coral teenagers pay $3207 in insurance in contrast with Whiskey Creek (-$133), Cypress Lake (+$1127), St. James City (-$839) and Florida (+$230). The difference between Male & Female teenagers in Cape Coral is $369

Example

  • 2013 Honda Civic LX Male Teenager Insurance Rate $3,238
  • 2010 Lincoln MKZ Base Female Teenager Insurance Rate $3,096

Cape Coral Men & Women Car Insurance

168038 Cape Coral Adults (100% of total population), 49% Men & 51% Women.

Cape Coral St. James City Matlacha Isles-Matlacha Shores Lochmoor Waterway Estates Florida
All Women $1171 -$307 +$475 +$190 +$83
Married Women $1069 -$280 +$434 +$174 +$76
All Men $2100 -$549 +$853 +$342 +$150
Married Men $2036 -$532 +$828 +$332 +$146

The typical insurance rate of $2100 that Cape Coral Men pay varies from St. James City (-$549), Matlacha Isles-Matlacha Shores (+$853), Lochmoor Waterway Estates (+$342) and Florida (+$150). In Cape Coral, married men pay $967 more than married women.

Example

  • 2012 GMC Sierra 1500 SLE Married Men Insurance Rate $1,960
  • 2013 Volkswagen Beetle 2.5 PZEV Married Women Insurance Rate $1,910

Cape Coral Senior Car Insurance

45039 Cape Coral Seniors (26% of total population), 47% Senior Men & 53% Senior Women.

Cape Coral St. James City Pine Island Center Suncoast Estates Florida
All Seniors $1884 -$493 +$202 +$839 +$134
Senior Men $1934 -$506 +$209 +$862 +$139
Senior Women $1833 -$480 +$197 +$816 +$131

Cape Coral seniors pay $1884 in insurance compared to St. James City (-$493), Pine Island Center (+$202), Suncoast Estates (+$839) and Florida (+$134). In Cape Coral, senior men pay $101 more than senior women.

Cape Coral Car Insurance Discounts for Multiple Vehicles

Cape Coral Population with 1 Vehicle 26414 (42% of Cape Coral population), 2 Vehicles 26038 (42% of the Cape Coral population) and 3 vehicles 6124 (10% of the population)

Cape Coral Iona McGregor Pine Island Center Florida
2 Vehicles $2419 +$317 -$690 +$260 +$173
3 Vehicles $3692 +$484 -$1053 +$397 +$264
4 Vehicles $4965 +$651 -$1416 +$534 +$355

Car Insurance Agents in Cape Coral, FL

Rank Agent Name Agent Contact
1 Acentria Insurance 405 Del Prado Blvd N Ste 100, Cape Coral, FL 33909
2 Brower Insurance Agency 1510 Hancock Bridge Pkwy Ste 5, Cape Coral, FL 33990
3 Capt David Schuman 1830 NE Pine Island Rd Ste 170, Cape Coral, FL 33909
4 Flagler Insurance Group 1327 NE Pine Island Rd Ste 109, Cape Coral, FL 33909
5 Great Florida Insurance - Mark Pollock 923 Del Prado Blvd S Ste 102, Cape Coral, FL 33990
6 Halbrehder Family Agency 601 Del Prado Blvd N Ste 11, Cape Coral, FL 33909
7 Look Insurance Agency 441 Del Prado Blvd N Ste 6, Cape Coral, FL 33909
8 Marc Anthony Agency 1508 SE 17th Ave, Cape Coral, FL 33990
9 Pamela Vadas 1218 Del Prado Blvd S Ste B, Cape Coral, FL 33990
10 Pine Island Corridor Insurance Agency 2328 Hancock Bridge Pkwy Ste 1, Cape Coral, FL 33990