Travelers offers the lowest car insurance rates in Cape Coral at $549 per year for minimum coverage and $1,186 annually for full coverage. Other affordable insurers in the city include State Farm, Nationwide and GEICO.
Car Insurance in Cape Coral
Updated: August 10, 2025
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Key Takeaways
Cape Coral's cheapest car insurance companies are Travelers, State Farm and Metropolitan Group, with savings up to 54% compared to the city average.
In Cape Coral, monthly car insurance costs average $219 for full coverage and $94 for minimum coverage.
To get the best cheap auto insurance in Cape Coral, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Cape Coral?
| Travelers | $46 | $99 | -54% |
| State Farm | $65 | $138 | -35% |
| Metropolitan Group | $65 | $159 | -29% |
| Nationwide | $73 | $154 | -27% |
| GEICO | $54 | $175 | -27% |
Compare the Cheapest Cape Coral Car Insurance for You
Your car insurance rates depend heavily on your driving history and personal details. Check the table below to find the cheapest insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $133 | $1,598 | -59% |
| State Farm | $158 | $1,896 | -51% |
| Nationwide | $215 | $2,585 | -34% |
| Metropolitan Group | $222 | $2,662 | -32% |
| UAIC | $225 | $2,697 | -31% |
Cheapest Car Insurance by Age Group in Cape Coral
Car insurance rates in Cape Coral vary based on age. Here's what we found for each age group:
- Cheapest car insurance for young drivers (16 to 25): Travelers at $98 per month
- Cheapest car insurance for adults (26 to 64): Travelers at $46 per month
- Cheapest car insurance for seniors (65+): GEICO at $59 per month
Cheapest Car Insurance for Young Drivers in Cape Coral
Travelers and GEICO provide the most affordable car insurance options for young drivers in Cape Coral, with monthly premiums starting at $98 and $104 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $98 | $1,176 | -53% |
| GEICO | $104 | $1,245 | -51% |
| Metropolitan Group | $125 | $1,502 | -40% |
| State Farm | $132 | $1,587 | -37% |
| Nationwide | $154 | $1,845 | -27% |
Cheapest Car Insurance for Adult Drivers in Cape Coral
In Cape Coral, Travelers provides the cheapest car insurance for adult drivers with rates around $46 monthly, saving drivers 51% compared to the city average. GEICO and State Farm also offer affordable rates for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $46 | $549 | -51% |
| GEICO | $54 | $648 | -42% |
| Metropolitan Group | $65 | $777 | -30% |
| State Farm | $65 | $783 | -30% |
| Nationwide | $73 | $875 | -22% |
Cheapest Car Insurance for Senior Drivers in Cape Coral
For seniors in Cape Coral, GEICO offers the lowest minimum coverage rates at $59 per month ($708 annually), while Travelers provides the most affordable full coverage at $134 per month ($1,603 annually).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $59 | $708 | -50% |
| Travelers | $61 | $737 | -48% |
| State Farm | $80 | $959 | -32% |
| Metropolitan Group | $81 | $968 | -32% |
| Nationwide | $101 | $1,212 | -14% |
Cheapest Car Insurance for High-Risk Drivers in Cape Coral
If you have a high-risk profile, these are the cheapest car insurance providers in Cape Coral based on your situation:
- Cheapest for Bad Credit: GEICO (from $74 per month)
- Cheapest With a DUI: Travelers (from $68 per month)
- Cheapest With an Accident: Travelers (from $62 per month)
- Cheapest With a Speeding Ticket: Travelers (from $58 per month)
Cheapest Car Insurance for Bad Credit in Cape Coral
In Cape Coral, the cheapest monthly premium for bad credit drivers is $74 for minimum coverage from GEICO and $144 for full coverage from Travelers. GEICO's state minimum liability policy provides basic protection. For drivers wanting more protection, Travelers offers full coverage with higher liability limits and comprehensive/collision coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| GEICO | $74 | $892 | -40% |
| Travelers | $80 | $965 | -35% |
| Nationwide | $89 | $1,065 | -28% |
| Metropolitan Group | $91 | $1,091 | -26% |
| Progressive | $118 | $1,421 | -4% |
Cheapest Car Insurance With a DUI in Cape Coral
Travelers and State Farm offer the most affordable car insurance rates for Cape Coral drivers with a DUI. State Farm charges up to 49% less than the city average for full coverage and Travelers charges 47% less for minimum coverage policies.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $68 | $818 | -47% |
| State Farm | $70 | $844 | -45% |
| GEICO | $93 | $1,112 | -28% |
| AIG | $97 | $1,160 | -25% |
| Metropolitan Group | $100 | $1,197 | -22% |
Cheapest Car Insurance With an Accident in Cape Coral
Travelers offers the lowest car insurance rates in Cape Coral for drivers with an accident, with premiums starting at $62 monthly. That's 53% less than the city's average premium for drivers with accident records.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $62 | $738 | -53% |
| GEICO | $75 | $905 | -42% |
| State Farm | $76 | $911 | -42% |
| Metropolitan Group | $91 | $1,086 | -31% |
| Nationwide | $101 | $1,213 | -23% |
Cheapest Car Insurance With a Speeding Ticket in Cape Coral
For Cape Coral drivers with speeding tickets, Travelers provides the most affordable car insurance options. Their minimum liability coverage costs about $58 per month, while full coverage with higher limits runs around $127 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $58 | $696 | -48% |
| Metropolitan Group | $65 | $777 | -42% |
| State Farm | $70 | $844 | -37% |
| Nationwide | $83 | $995 | -25% |
| GEICO | $90 | $1,079 | -19% |
Best Car Insurance Companies in Cape Coral
Cape Coral's highest-rated car insurance companies are Travelers, State Farm, Nationwide and GEICO. These providers stand out for their competitive rates, quality customer service and comprehensive coverage options.
| Travelers | 98 | 1 | 1 | 4 |
| State Farm | 90 | 2 | 3 | 7 |
| Nationwide | 89 | 4 | 6 | 4 |
| GEICO | 87 | 5 | 5 | 7 |
| Mercury Insurance | 87 | 6 | 4 | 5 |
Travelers: Best Overall Value
pros
Excellent customer service ratings
Wide range of discounts available
Coverage for all driver types
cons
Limited add-on options
Online claims process needs improvement
COMPANY HIGHLIGHTS
Travelers ranks first in Cape Coral with top scores in both affordability and customer experience. The company stands out for offering the most competitive rates across all driver categories, from new drivers to those with accidents. Cape Coral drivers appreciate Travelers' straightforward claims process and responsive local agents. While the company could expand its selection of add-on coverages, it delivers reliable protection at rates well below the city average.
State Farm: Best for Customer Service
pros
Strong local agent network
Easy claims filing process
Multiple discount options
cons
Limited coverage selections
Higher rates for high-risk drivers
COMPANY HIGHLIGHTS
State Farm earns its second-place ranking through exceptional customer service and competitive rates. The company's network of local agents provides personalized support that Cape Coral drivers value. State Farm offers straightforward policies with clear terms and a user-friendly claims process. While coverage options aren't as extensive as some competitors, the company's reliable service and competitive rates make it a solid choice for most drivers.
How Much Is Car Insurance in Cape Coral?
In Cape Coral, minimum coverage costs about $94 per month or $1,127 per year, ranking 454th out of all Florida cities for affordability. Full coverage averages $219 monthly or $2,624 annually, ranking 452nd among Florida cities.
| Full Coverage | $219 | $2,624 |
| Minimum Coverage | $94 | $1,127 |
Compare Personalized Cape Coral Car Insurance Costs
Filter Cape Coral car insurance rates below by combining factors like age and driving history to find averages that match your situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $271 | $3,254 | 0% |
Cape Coral Car Insurance Costs by ZIP Code
In Cape Coral, car insurance rates by ZIP code range from $80 to $276 per month. ZIP code 33909 is the most expensive, while 33991 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:33909
| 33909 | $119 | $276 |
How to Get the Best Cheap Cape Coral Car Insurance
Finding affordable car insurance in Cape Coral can feel overwhelming, with local rates running higher than many other Florida cities. This step-by-step guide shows you how to secure better coverage while keeping your premium costs down.
- 1
Know your coverage requirements
Start by understanding exactly how much coverage you need. Use our car insurance coverage needs calculator to determine appropriate coverage levels based on your car's value and personal assets. Consider Florida's minimum requirements as your baseline, but remember that more coverage often provides better protection.
- 2
Explore different insurance types
Familiarize yourself with various types of car insurance options available. If you drive infrequently, consider pay-per-mile insurance. Don't own a car? Look into non-owner coverage.
- 3
Check local average costs
Research average vehicle insurance costs in Cape Coral to set realistic expectations. Understanding typical rates helps you recognize good deals and avoid overpaying. Local factors like traffic patterns and weather risks influence these averages.
- 4
Find available discounts
Look for every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, defensive driving courses and good student discounts can also reduce your premium significantly.
- 5
Research insurance company ratings
Check each insurer's financial strength and customer service ratings. Look for companies with strong records in claim handling and customer satisfaction in Florida. Read recent reviews from Cape Coral customers to understand local service quality.
- 6
Get and compare multiple quotes
Request quotes from at least three different insurance providers. Use insurance comparison websites, contact local agents, and visit company websites directly.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance policy. Changes in your driving habits, vehicle value or personal circumstances might qualify you for better rates.
Cheapest Car Insurance in Cape Coral: Bottom Line
Car insurance rates in Cape Coral depend on your driving record, vehicle and credit score. While Travelers and State Farm consistently offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Cheap Cape Coral Car Insurance: FAQ
Our research team answers your questions about finding affordable car insurance in Cape Coral. We break down coverage options and rates to help you choose the right policy for your budget.
What is the cheapest car insurance company in Cape Coral, Florida?
Travelers offers the lowest rates in Cape Coral, with average annual premiums of $549 for minimum coverage and $1,186 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Cape Coral?
Travelers offers Cape Coral's best car insurance, with a MoneyGeek score of 98 out of 100. It ranks eight points above State Farm and delivers excellent service with competitive rates.
What is the average cost of car insurance in Cape Coral?
In Cape Coral, full coverage car insurance costs $2,624 annually, while minimum coverage averages $1,127. Your actual rates may vary based on individual factors.
Is car insurance in Cape Coral expensive?
Car insurance in Cape Coral costs more than average, ranking 454th for minimum coverage affordability and 452nd for full coverage compared to all other Florida cities.
How We Chose the Best and Cheapest Car Insurance in Cape Coral, FL
To help Cape Coral drivers find the most affordable auto insurance companies, MoneyGeek analyzed Cape Coral auto insurance rates based on data and information from the Florida Office of Insurance Regulation and Quadrant Information Services. We studied all ZIP codes in Cape Coral and hundreds of thousands of quotes for 12 companies offering auto insurance in Florida to tailor options as closely as possible to you.
Cape Coral Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Cape Coral with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Cape Coral
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Florida are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Cape Coral based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.