Updated: November 4, 2025
Advertising & Editorial Disclosure
Travelers offers the cheapest car insurance in Cape Coral. State Farm, GEICO, Progressive and AAA also provide coverage in the city.
Car insurance in Cape Coral costs an average of $1,127 per year for minimum coverage and $2,624 per year for full coverage.
Travelers also offers the cheapest car insurance in Florida at $618 per year for minimum coverage and $1,343 per year for full coverage.
Travelers dominates Cape Coral's market with minimum coverage at $549 per year, 51% lower than the city average of $1,127. Travelers also charges $1,186 per year for full coverage.
State Farm presents an alternative at $783 annually for minimum coverage. While higher than Travelers, State Farm appeals to drivers who value its extensive agent network and comprehensive local service presence.
| Travelers | $46 | $99 | -54% |
| State Farm | $65 | $138 | -35% |
| Metropolitan Group | $65 | $159 | -29% |
| Nationwide | $73 | $154 | -27% |
| Geico | $54 | $175 | -27% |
Young drivers in Cape Coral pay $1,176 annually with Travelers for minimum coverage. Adult drivers access the market's best rates at $549 per year with Travelers, enjoying a 53% discount compared to young drivers.
GEICO charges seniors $708 annually, a 29% increase over adult rates. Cape Coral's age-based pricing reflects Florida's elevated youth surcharges driven by statewide accident statistics.
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.
| 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% |
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.
| Travelers | $46 | $549 | -51% |
| Geico | $54 | $648 | -42% |
| Metropolitan Group | $65 | $777 | -30% |
| State Farm | $65 | $783 | -30% |
| Nationwide | $73 | $875 | -22% |
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).
| Geico | $59 | $708 | -50% |
| Travelers | $61 | $737 | -48% |
| State Farm | $80 | $959 | -32% |
| Metropolitan Group | $81 | $968 | -32% |
| Nationwide | $101 | $1,212 | -14% |
If you have a high-risk profile, these are the cheapest car insurance providers in Cape Coral based on your situation:
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.
| Geico | $74 | $892 | -40% |
| Travelers | $80 | $965 | -35% |
| Nationwide | $89 | $1,065 | -28% |
| Metropolitan Group | $91 | $1,091 | -26% |
| Progressive | $118 | $1,421 | -4% |
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.
| 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% |
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.
| Travelers | $62 | $738 | -53% |
| Geico | $75 | $905 | -42% |
| State Farm | $76 | $911 | -42% |
| Metropolitan Group | $91 | $1,086 | -31% |
| Nationwide | $101 | $1,213 | -23% |
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.
| Travelers | $58 | $696 | -48% |
| Metropolitan Group | $65 | $777 | -42% |
| State Farm | $70 | $844 | -37% |
| Nationwide | $83 | $995 | -25% |
| Geico | $90 | $1,079 | -19% |
Travelers dominates Cape Coral's market with the city's lowest premiums and strong customer satisfaction scores. State Farm provides competitive rates alongside outstanding customer service ratings.
Both insurers serve Cape Coral drivers well, with Travelers winning on pure affordability and State Farm offering superior service experiences.
| 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 |
Excellent customer service ratings
Wide range of discounts available
Coverage for all driver types
Limited add-on options
Online claims process needs improvement
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.
Strong local agent network
Easy claims filing process
Multiple discount options
Limited coverage selections
Higher rates for high-risk drivers
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.
Cape Coral averages $1,127 per year for minimum coverage and $2,624 per year for full coverage. These rates exceed Florida's state average of $995 for minimum coverage.
Travelers' $549 minimum coverage rate sits well below Cape Coral's average. This Gulf
Coast community faces elevated premiums typical of Florida coastal cities, where hurricane risks and uninsured motorist rates drive up costs.
| Full Coverage | $219 | $2,624 |
| Minimum Coverage | $94 | $1,127 |
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.
| 33909 | $119 | $276 |
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.
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.
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.
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.
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.
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.
Request quotes from at least three different insurance providers. Use insurance comparison websites, contact local agents, and visit company websites directly.
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.
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.
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.
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.
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.
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.
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.
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:
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:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies in Cape Coral based on the following rating scale:
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
