Updated: December 29, 2025
Advertising & Editorial Disclosure
Among Cape Coral insurers, Travelers offers the lowest minimum coverage at $46 per month and the most affordable full coverage at $99 per month or $1,186 annually. These rates apply to drivers with clean records.
Your age and driving history influence which provider offers the lowest premium, so comparing quotes from several carriers helps identify your best option.
| Travelers | $99 | $46 | -54% |
| Geico | $175 | $54 | -27% |
| Metropolitan Group | $159 | $65 | -29% |
| State Farm | $138 | $65 | -35% |
| Nationwide | $154 | $73 | -27% |
Auto insurance costs in Cape Coral average $94 per month for minimum coverage and $219 per month for full coverage. Both figures come in higher than Florida’s statewide averages of $87 for minimum coverage and $205 for full coverage.
Local premiums trend higher due to heavier traffic, higher accident frequency and increased vehicle theft in more developed areas. Comparing quotes from multiple insurers helps Cape Coral drivers spot more competitive rates for their profile.
| $219 | $205 |
Read More: The cheapest car insurance in Florida
Cape Coral's insurance costs vary considerably across age groups, with driving experience being the biggest factor. Young drivers average $300 monthly across the top five insurers, while adults pay $144 and seniors pay $175. High young driver premiums reflect their inexperience behind the wheel and higher accident rates.
Cheapest Cape Coral car insurance by age:
Once drivers establish experience, age matters less in premium calculations. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.
Cape Coral's young drivers ages 16 to 25 pay the highest insurance costs because insurers view them as the greatest risk group due to inexperience and higher accident rates. Travelers offers the most affordable option at $224 monthly or $2,684 annually for full coverage.
Young drivers across Cape Coral's cheapest insurers average $300 monthly compared to $144 for adults, making youth premiums more than double what experienced drivers pay.
Drivers save $115 monthly by switching from Nationwide at $339 to Travelers at $224. Adding a young driver to your family policy costs less than getting them standalone coverage, but rates remain high until age 25.
Note: Teen driver insurance requirements differ by state. Parents should check local regulations for coverage minimums and supervision requirements.
| Travelers | $224 | $2,684 |
| State Farm | $297 | $3,560 |
| UAIC | $316 | $3,789 |
| Metropolitan Group | $324 | $3,893 |
| Nationwide | $339 | $4,068 |
Cape Coral seniors benefit from decades of driving experience and often maintain clean driving records, with Travelers offering the most affordable rates at $134 monthly or $1,603 annually for full coverage.
While experienced drivers generally enjoy competitive premiums, some insurers increase rates slightly for drivers over 70 due to concerns about slower reaction times. Across Cape Coral's five cheapest insurers, seniors average $175 monthly, just $31 more than the $144 adult average. This shows insurers view experienced drivers favorably.
Seniors save $65 monthly by choosing Travelers at $134 instead of GEICO at $199. Additional discounts are available for completing defensive driving courses or keeping annual mileage below 7,500 miles.
| Travelers | $134 | $1,603 |
| State Farm | $166 | $1,994 |
| UAIC | $176 | $2,112 |
| Metropolitan Group | $198 | $2,378 |
| Geico | $199 | $2,391 |
Adult drivers between ages 26 and 64 enjoy Cape Coral's most competitive insurance rates because they blend extensive driving experience with statistically lower accident involvement than younger and older drivers. Travelers delivers the cheapest full coverage at $99 monthly or $1,186 annually for this age group.
Across Cape Coral's five most affordable insurers, adults average $144 monthly, the lowest rates of any age category. Shopping smart saves Cape Coral adults $73 monthly by choosing Travelers over UAIC's $172 rate, the fifth cheapest option. Maintaining clean driving records, bundling policies and qualifying for good driver discounts can push premiums even lower.
| Travelers | $99 | $1,186 |
| State Farm | $138 | $1,651 |
| Nationwide | $154 | $1,850 |
| Metropolitan Group | $159 | $1,903 |
| UAIC | $172 | $2,063 |
Cape Coral drivers pay higher rates when violations appear on their records. Travelers offers the cheapest coverage across categories, charging $46 monthly for clean records, $58 for speeding tickets and $68 for DUI violations. Average rates among the five most affordable insurers climb from $60 for clean drivers to $73 for speeding violations, $81 for at-fault accidents and $86 for DUIs.
DUIs trigger the harshest penalties because they combine reckless behavior with serious legal consequences, placing drivers in insurers' highest-risk category and usually requiring SR-22 documentation. Accidents push rates higher since you've caused actual property damage or injuries. Speeding tickets create the smallest increases because they signal risky driving without proving you've crashed.
| Travelers | $68 | $818 |
| State Farm | $70 | $844 |
| Geico | $93 | $1,112 |
| AIG | $97 | $1,160 |
| Metropolitan Group | $100 | $1,197 |
ZIP code 33991 offers Cape Coral's cheapest car insurance at $80 monthly, while ZIP code 33909 reaches the highest at $276. Check the table to find your specific ZIP code and see what you'll pay.
Cape Coral's most populated areas (33990, 33991, and 33993) see minimum coverage rates of $190, $189, and $187 monthly. These differences reflect neighborhood factors like accident frequency, theft rates, population density and uninsured driver percentages.
Use the filter above to locate your ZIP code and check typical costs in your area.
| 33904 | $81 | $188 |
Cape Coral drivers can secure competitive rates without sacrificing proper coverage with the right approach.
Try our car insurance coverage needs calculator for customized advice. This tool analyzes your specific situation to recommend appropriate coverage levels. Getting personalized recommendations helps you avoid buying too little or too much insurance for your Cape Coral lifestyle.
Familiarize yourself with types of car insurance options in Cape Coral. Pay-per-mile works well if you drive infrequently, while non-owner coverage suits occasional borrowers. Understanding your options ensures you select the right protection for your driving habits.
Look up average vehicle insurance costs for your specific Cape Coral neighborhood. Insurance rates vary by location, even within the same city. Knowing local averages helps you identify fair pricing and spot quotes that seem unusually high or low.
Explore every savings option insurers offer through car insurance discount programs. Consider bundling multiple policies or getting multi-car discount rates. You can save with safe driver, student and anti-theft discounts that add up quickly.
Review company ratings and customer feedback for Cape Coral insurers before making your decision. Check financial stability scores and complaint ratios to ensure your chosen company can pay claims reliably. Strong ratings indicate you'll receive quality service when you need it most.
Request quotes from multiple carriers in Cape Coral, targeting at least three companies for comparison. Prices vary dramatically between insurers for identical coverage. Shopping around saves hundreds of dollars annually while helping you find the best combination of price and service quality.
Schedule an annual policy review to stay competitive with current market rates and coverage needs. Your circumstances change over time, and new discounts may become available. Regular reviews ensure you're not overpaying or missing better options that have emerged since your last purchase.
Want to find affordable coverage in Cape Coral? This FAQ offers clear answers about available discounts, state regulations and policy options to help you find coverage that fits your budget.
Travelers offers the lowest auto insurance rates in Cape Coral for both minimum and full coverage. Rates vary by driver profile, so comparing quotes from multiple insurers helps you find your best option.
Travelers ranks first among Cape Coral car insurance companies with a MoneyGeek score of 98 out of 100, beating State Farm by eight points. The company performs well in affordability and customer experience.
Car insurance premiums cost $1,128 annually for minimum coverage and $2,628 for full coverage in Cape Coral. Your actual rates depend on personal details like driving record and age.
Cape Coral car insurance costs are among Florida's highest, with the city ranking 452nd for full coverage and 454th for minimum coverage affordability statewide.
Cape Coral drivers pay some of Florida's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Cape Coral's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
