Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Cape Coral, Florida.

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Updated on Sep 9, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance in Cape Coral
Cheapest Cape Coral car insurance for good drivers
Best Car Insurance Companies in Cape Coral
Best cheap car insurance quotes in Cape Coral
Average cost of car insurance in Cape Coral
Car insurance quotes in Cape Coral by rating factors
How do different factors impact your car insurance costs in Cape Coral?
How to lower car insurance costs in Cape Coral
FAQ
Methodology
Meet our Experts

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How to find the cheapest car insurance in Cape Coral

On average, car insurance in Cape Coral costs about $135 per month for minimum coverage liability insurance, and about $154 per month for full coverage insurance. Cape Coral drivers pay 15% more than the average rate in Florida.

With hundreds of providers and thousands of

car insurance

products on the market, finding the right coverage—let alone the right price!—can be challenging.

Jerry

helps you compare quotes and makes finding

cheap car insurance in Florida

and Cape Coral quick and hassle-free!

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$172	Franklin, 62 Zip: 33993	Toyota Tacoma Double Cab	• 100,000/300,000 Liability • Comp / Collision
Nationwide	$113	Lelia, 52 Zip: 33909	Toyota Tundra Access Cab	• 100,000/300,000 Liability • Comp / Collision
Allstate	$91	Anthony, 27 Zip: 33990	Buick Lesabre Limited	• State Minimum Liability
Safeco	$89	Janie, 46 Zip: 33909	KIA Sportage LX	• 50,000/100,000 Liability • Comp / Collision
Mercury	$141	Blake, 26 Zip: 33904	Honda Civic Hybrid	• State Minimum Liability

Last Updated Sep 9, 2024

Compare car insurance quotes now

Cheapest Cape Coral car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.

Good drivers in Cape Coral can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.

Customer	Driving Score	Insurance Savings	Has Violations	Insurance Coverage
Jonas, 25	94	35%	No	State Minimum Liability Minimum Coverage
Alejandra, 34	77	24%	No	100/300 Comp/Collision
Jean, 44	85	29%	No	State Minimum Liability Minimum Coverage
Michelle, 54	97	38%	No	State Minimum Liability Minimum Coverage
Eric, 64	67	22%	No	State Minimum Liability Comp/Collision

Let your good driving pay off

Best Car Insurance Companies in Cape Coral

Looking for the cheapest car insurance rates in Cape Coral? Jerry conducted the largest insurance shopping survey in the nation to help figure it out.

State Farm

is often cited as the cheapest car insurance company in Florida, but some survey respondents reported that they were overcharged and their rates increased frequently. If you’re wondering who to trust among the big five in Cape Coral—

, and

—here’s the truth: the most affordable insurance company is different for everyone.

You’ll need to compare rates from all of them, as well as providers like Assurance America and

Safeco

, before you can confidently name the best auto insurance provider for you. To get you started, here’s how survey respondents in Cape Coral rated the biggest companies on a scale of 0 to 5.

Insurance company	Overall rating	Price	Claims experience	Customer service
Liberty Mutual	4.6	4.2	4.7	4.5
Progressive	4.2	3.7	3.6	4.4
State Farm	4	3.3	3.7	4
Geico	3.9	3.1	3.4	4
USAA	3.9	2	N/A	4

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Best cheap car insurance quotes in Cape Coral

Florida’s minimum car insurance requirements

reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Cape Coral. However, minimum liability coverage provides minimal financial protection.

You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the Sunshine State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in Florida, and how it could affect your policy choices in Cape Coral.

Cheap minimum liability insurance quotes in Cape Coral

You need both

PIP

and

PDL

to drive in Cape Coral because Florida is a

no-fault state

. Your car insurance policy must include at least $10,000 of PIP coverage and $10,000 of PDL coverage.

If you’re looking to pay the cheapest rates, you can stop reading here. Although sticking with the minimum coverage isn’t advised (more on that later), Jerry has helped many drivers find cheap, no-frills coverage in Cape Coral.

Progressive

Lula (54 years old)

Coverage

State Minimum

Cape Coral, FL
(Zip Code: 33909)

Dodge Challenger SXT Plus

$115

per month

Safeco

Ernest (35 years old)

Coverage

State Minimum

Cape Coral, FL
(Zip Code: 33991)

Jeep Grand Cherokee Limited

$101

per month

Allstate

Anthony (27 years old)

Coverage

State Minimum

Cape Coral, FL
(Zip Code: 33990)

Buick Lesabre Limited

$91

per month

Gainsco

Bettie (28 years old)

Coverage

State Minimum

Cape Coral, FL
(Zip Code: 33904)

Nissan Rogue Select S

$102

per month

Bristol West

Betty (37 years old)

Coverage

State Minimum

Cape Coral, FL
(Zip Code: 33904)

Ford Mustang

$179

per month

Do you need more than minimum coverage in Cape Coral?

The state's minimum liability coverage is insufficient for most Cape Coral drivers.

If you cause a serious injury to somebody else in {city}, their medical bills are likely to climb far past $10,000—and because Florida doesn’t require bodily injury liability car insurance, you could be at serious risk of a lawsuit if the other driver's PIP runs out. The same goes for PDL.

Florida’s car accident laws

allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key.

The bottom line: It's a good idea to consider liability coverage with higher limits for greater financial protection in case of an at-fault accident.

Cheap full coverage car insurance quotes in Cape Coral

Full coverage car insurance

is essential for protecting yourself from the costs associated with repairing or replacing your car. It typically includes both

collision

and

comprehensive coverage

. Collision insurance pays for damages after an accident, while comprehensive insurance pays for damages after a vandalism, theft, or natural disaster.

Your lender will usually require collision and comprehensive coverage if you finance or lease your car. And even if your vehicle is paid off, you should carry full coverage if its value exceeds $3,000.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• 100,000/300,000 Liability • Comp / Collision	Progressive	$172	Franklin, 62 Zip: 33993	Toyota Tacoma Double Cab
• 15,000/30,000 Liability • Comp / Collision	Allstate	$371	Minerva, 28 Zip: 33914	Toyota Corolla L
• 50,000/100,000 Liability • Comp / Collision	Safeco	$89	Janie, 46 Zip: 33909	KIA Sportage LX
• 100,000/300,000 Liability • Comp / Collision	Travelers	$184	Lucy, 32 Zip: 33991	KIA Telluride S
• State Minimum Liability • Comp / Collision	Infinity	$210	Craig, 32 Zip: 33904	Toyota Corolla L

Last Updated Sep 9, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry,

a top insurance agency

, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Cape Coral

Based on our experience working with thousands of Cape Coral insurance policyholders, minimum liability coverage costs an average of $135 per month or $1,621 per year, while full coverage insurance costs an average of $154 per month or $1,848 per year.

Note that the type of car you drive, your driving record, claim history, and demographics all play a role in how your insurance premiums are calculated. Although the average rates in Cape Coral can give you an idea of the cost, the full price of your policy could vary by hundreds of dollars.

Average cost of car insurance in Cape Coral by zip code

Your zip code tells your car insurance provider where to send your bills, but it also hints at how likely you are to make a claim.

How? Some zip codes are “riskier” than others, either because of a high rate of congestion, crime, or car accidents (or all three). The drivers living in these neighborhoods tend to pay more than people in other parts of Cape Coral.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
33904	$117	$202
33909	$116	$204
33914	$151	$176
33990	$146	$223
33991	$156	$200

Compare car insurance costs in other states

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Car insurance quotes in Cape Coral by rating factors

Is car insurance calculated

at random? No, even if it seems like it. Here are the five factors that determine the rates you pay for Cape Coral car insurance:

Driving record and claims history: A history of car accidents and traffic tickets may increase your insurance premiums.

Vehicle location: Some ZIP codes come with higher rates.

Vehicle type: Sports cars, luxury cars, and high-performance cars tend to have higher collision and comprehensive coverage rates.

Usage: If you use your car regularly for work, your annual premium may be higher than if you use it only occasionally for pleasure.

Credit score: Drivers with good credit typically pay lower insurance premiums than those with bad credit for the same coverage.

How do different factors impact your car insurance costs in Cape Coral?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.

Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Cape Coral:

Cheap car insurance quotes in Cape Coral after driving violations

Your Florida driving record can significantly affect your car insurance rates. High-risk drivers receive proportionally higher insurance premiums. While a conviction for running a red light, committing a DUI, or

reckless driving in Florida

makes it harder to find an affordable rate in Cape Coral, it’s not impossible.

Cheapest car insurance in Cape Coral after speeding ticket

Florida speeding tickets come in several different flavors, each with a different amount of driver violation points:

1-5 MPH over limit: No points

6-9 MPH over limit: 3 points

10-14 MPH over limit: 3 points

15-19 MPH over limit: 4 points

20-29 MPH over limit: 4 points

30 MPH or more over limit: 4 points and mandatory court appearance

The more severe the offense, the more you’ll pay for car insurance. In spite of this, Jerry has helped a number of drivers save money by finding the lowest rates in Cape Coral.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 16-20	Progressive	$120	Hettie, 37 Zip: 33904	Nissan Kicks S	• No Coverage Liability
Speeding 21+	National General	$367	Tony, 36 Zip: 33904	Lexus RX 350	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 9, 2024

Cheapest car insurance in Cape Coral after DUI

Committing a

DUI in Florida

can have a significant impact on your car insurance rates. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums.

If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in Cape Coral even after a DUI conviction.

Progressive

Matthew (37 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Cape Coral, FL
(Zip Code: 33909)

Chevrolet Colorado

$284

per month

Mercury

Frank (48 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Cape Coral, FL
(Zip Code: 33909)

BMW 328 i

$101

per month

Cheapest car insurance in Cape Coral after an at-fault accident

Your driving record in Florida is one of the crucial factors that affect your car insurance rates. Insurance companies look at any past accidents where you were at fault to determine the level of risk you pose to your insurer.

If you have been involved in an at-fault accident in the recent past, your car insurance rates in Cape Coral could significantly increase when your policy is up for renewal. It is essential to shop around and compare rates from different insurers to find the cheapest auto insurance after an at-fault accident.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Progressive	$90	Brett, 26 Zip: 33914	Acura TSX	• State Minimum Liability
At Fault With No Injury	Allstate	$371	Scott, 28 Zip: 33914	Toyota Corolla L	• 15,000/30,000 Liability • Comp / Collision
Not At Fault	Safeco	$177	Fanny, 33 Zip: 33990	Lexus UX 250H	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Travelers	$184	Henrietta, 32 Zip: 33991	KIA Telluride S	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 5, 2024

Cheapest car insurance in Cape Coral after other driving violations

Apart from speeding tickets and DUIs, there are several other violations that can lead to an increase in car insurance costs in Cape Coral, including careless driving, driving without a license, and reckless driving.

We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Progressive	$290	Logan, 21 Zip: 33904	Mitsubishi Mirage ES	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Safeco	$179	Leroy, 35 Zip: 33993	Hyundai Santa FE Limited	• 100,000/300,000 Liability • Comp / Collision
Careless Driving	National General	$120	Lou, 30 Zip: 33993	Toyota Camry LE	• No Coverage Liability
Driving on Sus. License	Mercury	$190	Susan, 32 Zip: 33909	Chevrolet Malibu LT	• State Minimum Liability
Failure to Obey Signal	Bristol West	$165	Bertha, 26 Zip: 33909	Chevrolet Equinox LT	• No Coverage Liability
Improper Passing	Progressive	$669	Terry, 36 Zip: 33904	Lexus RX 350	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 6, 2024

Cheap car insurance quotes in Cape Coral by age

Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates.

On the other hand, drivers over the age of 75 may see an increase in their rates due to potential health issues and slower reflexes.

Cheapest car insurance in Cape Coral for young drivers

In Cape Coral, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group.

The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.

Progressive

Ivan (23 years old)

Coverage

No Coverage

Cape Coral, FL
(Zip Code: 33991)

Ford Fiesta SE

$126

per month

Bristol West

Adam (23 years old)

Coverage

No Coverage

Cape Coral, FL
(Zip Code: 33909)

KIA Optima EX

$131

per month

Gainsco

Lillie (24 years old)

Coverage

No Coverage

Cape Coral, FL
(Zip Code: 33909)

Nissan Altima 2.5

$143

per month

Mercury

Adelaide (21 years old)

Coverage

State Minimum

Cape Coral, FL
(Zip Code: 33904)

Mitsubishi Mirage ES

$262

per month

National General

Lilly (22 years old)

Coverage

State Minimum

Cape Coral, FL
(Zip Code: 33993)

Honda Civic EX

$146

per month

Cheapest car insurance in Cape Coral for senior drivers

Similar to teenage drivers,

car insurance rates for senior drivers

are typically higher than the national average. Insurers consider senior drivers high-risk because:

Senior drivers have a higher likelihood of being involved in car accidents

Accidents involving senior drivers typically result in more severe injuries and increased medical expenses

Progressive

Roy (79 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Cape Coral, FL
(Zip Code: 33904)

Hyundai Santa FE Sport

$229

per month

Travelers

Myrtle (66 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Cape Coral, FL
(Zip Code: 33990)

Chevrolet Colorado LT

$92

per month

Allstate

Elijah (67 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Cape Coral, FL
(Zip Code: 33990)

Dodge Caliber SE

$75

per month

Mercury

Louis (69 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Cape Coral, FL
(Zip Code: 33909)

Ford Escape SE

$136

per month

Mercury

Essie (71 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Cape Coral, FL
(Zip Code: 33990)

Nissan Altima 2.5

$251

per month

Cheap car insurance quotes in Cape Coral based on insurance history

If you've had a car insurance lapse or you're currently uninsured, it can lead to higher car insurance rates.

To help our customers avoid a lapse in coverage and make payments on time, Jerry sends payment reminders to eligible customers when a payment is due or if they're late on their payments.

We've helped many customers in Cape Coral who are currently uninsured or have had a lapse in coverage find affordable insurance options.

Progressive

Marian (23 years old)

Coverage

No Coverage

Cape Coral, FL

Ford Fiesta SE

$126

per month

Bristol West

Maria (24 years old)

Coverage

State Minimum

Cape Coral, FL

Nissan Altima 2.5

$166

per month

Mercury

Dorothy (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Cape Coral, FL

Toyota Corolla L

$214

per month

Bristol West

Leah (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Cape Coral, FL

Subaru WRX STI

$471

per month

National General

Lottie (22 years old)

Coverage

State Minimum

Cape Coral, FL

Honda Civic EX

$146

per month

Bristol West

William (23 years old)

Coverage

No Coverage

Cape Coral, FL

KIA Optima EX

$131

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Gainsco has given the cheapest price on vehicle insurance as well as kept their word on the quote.

Anna

Mercury auto insurance is the most affordable option and the service has been excellent.

Sean

Very happy with National Generals service. Was skeptical at first but they are great!

Jessica

I searched for good car insurance and Progressive was the best deal I could find by far!

Alyssa

Cheap car insurance quotes in Cape Coral for drivers with poor credit

While your credit rating doesn't necessarily reflect your driving ability, insurance companies have found a correlation between lower credit scores and higher claim filings. Cape Coral drivers with poor credit scores tend to face higher car insurance costs than those with good credit scores.

If you have a credit score of 550 or less, Jerry partners with companies that provide insurance to Cape Coral drivers with poor credit, taking the stress out of comparison shopping.

Here’s how drivers with low credit scores saved with Jerry.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$115	Lucas, 54 Zip: 33909	Dodge Challenger SXT Plus	• State Minimum Liability • Comp / Collision
660 - 750	Travelers	$184	Andre, 32 Zip: 33991	KIA Telluride S	• 100,000/300,000 Liability • Comp / Collision
660 - 750	Infinity	$283	Andre, 51 Zip: 33909	Toyota Tundra Crewmax SR5	• State Minimum Liability • Comp / Collision
550 - 659	Bristol West	$452	Chester, 52 Zip: 33909	Dodge Avenger SXT	• No Coverage Liability • Comp / Collision
< 550	Progressive	$202	Shane, 31 Zip: 33914	Chrysler Town & Country Touring	• State Minimum Liability

Last Updated Sep 7, 2024

Cheap car insurance quotes in Cape Coral for popular cars

If you want to save on car insurance, avoid sports cars, luxury SUVs, and high-performance models. These vehicles might be beautifully-made, but they cost a ton to repair, and thus insure.

Insurance companies look at a vehicle’s cost of repairs and replacements, likelihood of theft, and safety ratings when determining its insurance premiums. Here are the top five picks of Cape Coral drivers that perform well in all three categories:

Nissan Altima

MORE: How different kinds of cars affect your car insurance rates

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota Camry LE	Progressive	$128	Alma, 30 Zip: 33993	• State Minimum Liability
Honda Accord EXL	Travelers	$137	Glen, 40 Zip: 33909	• 50,000/100,000 Liability • Comp / Collision
Nissan Altima 2.5	Infinity	$213	Genevieve, 32 Zip: 33991	• 15,000/30,000 Liability

Last Updated Sep 3, 2024

Cheapest car insurance in Cape Coral for new vs. old car

It usually costs more to insure a new car in Cape Coral than an older one. According to our research, the average cost of full coverage insurance for a car over 10 years old is $129 per year. However, the average cost for insuring a car less than 4 years old increases to $129 per year.

Progressive

Lula (54 years old)

2015 Dodge Challenger SXT Plus

Coverage

State Minimum

Cape Coral, FL
(Zip Code: 33909)

$115

per month

Safeco

Warren (40 years old)

2019 Nissan Rogue S

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Cape Coral, FL
(Zip Code: 33990)

$177

per month

Allstate

Anthony (27 years old)

2004 Buick Lesabre Limited

Coverage

State Minimum

Cape Coral, FL
(Zip Code: 33990)

$91

per month

Travelers

Myrtle (66 years old)

2008 Chevrolet Colorado LT

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Cape Coral, FL
(Zip Code: 33990)

$92

per month

Plymouth Rock

Justin (32 years old)

2017 Chevrolet Equinox LT

Coverage

15,000 per person

30,000 per accident bodily injury

Comp / Collision

Cape Coral, FL
(Zip Code: 33993)

$257

per month

National General

Alice (30 years old)

1995 Toyota Camry LE

Coverage

No Coverage

Cape Coral, FL
(Zip Code: 33993)

$120

per month

How to lower car insurance costs in Cape Coral

1. Shop around and compare quotes

You can’t be 100% certain that you’ve found the best deal on auto insurance until you’ve compared it to the other products on the market. Experts recommend

shopping for car insurance quotes

from at least three different companies every six months.

Sounds like a huge chore—until you remember that Jerry makes the process lighting-fast! Get signed up in 45 seconds and compare five to seven quotes in less than a minute. It’s all the benefits of comparison shopping with none of the time commitment… and did we mention it’s free?

MORE:

How do I get multiple car insurance quotes at once?

Compare car insurance quotes now

2. Hunt for car insurance discounts

You can make an okay rate into a great one with the right

car insurance discount

. See if your provider offers a program for:

Good drivers. If you’ve held a

clean driving record

for at least three years, you’re due for some sweet discounts.

Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!

Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.

Bundling insurance products.

Bundle your car and home insurance

and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Cape Coral?

People living in Cape Coral pay on average $135 per month – or $1,621 per year – on state-minimum liability coverage. Full coverage in Cape Coral costs on average $154 per month or $1,848 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Cape Coral?

Based on thousands of Cape Coral drivers Jerry has worked with, car insurance in Cape Coral costs an average of $135 per month for state-minimum coverage and $154 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Cape Coral?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Progressive, Arrowhead, and AmWINS receive good ratings from Cape Coral drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance in Cape Coral, Florida?

The state-minimum car insurance in Cape Coral, Florida is $10,000 of personal injury protection coverage and $10,000 of property damage liability coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.