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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$1031 $1273 $1712

Latest Auto Insurance Reviews in Cape Coral, Florida

I couldn't be happier with this company. Every time I've had to file a claim, they are very reasonable and don't raise rates for every single thing. They are fast, efficient, and super caring.
State Farm
Customer service is very good! My insurance agent is very friendly, he remembers me when I call and asks about details of my life. I feel like I am being treated like family rather than a customer.
The premium and deductible are high. I am not sure why, because I have clean driver records. There are better policies from their competitors that I plan to explore and compare.
I would say that the premium and deductible of the USAA policy would be a little higher than other competitors. However, you are paying a premium for quality service.
Liberty Mutual
They work with you to make sure your auto is covered to meet your needs. They are more flexible in their coverage compared to other companies out there.
I am not sure about my premium or deductible or if it is different than my last company (progressive)
My experience with Esurance's customer service so far has been stellar. They have responded quickly and courteously to all of my requests and went the extra mile to help find discounts I was eligible for.
The only thing I dislike about this company is that there are no local insurance agents in an office. I'm sure this is one of the reasons they can keep their rates so low.
This was the most economical insurance I could find, that offered such good coverage. I found that the rates were lower than anywhere else I checked.
I liked how easy it was to go through the entire process, and how easy they made it for me to understand auto insurance.
State Farm
I don't actually have anything to say bad about Statefarm. My family has always used them from the time I could remember. Then when I turned 17 I started using them too.
Liberty Mutual
I like that the company has been around for over 100 years. They have amazing customer service and care about their clients.
I would have to say the only thing I dislike about this insurance company is there should be more locations in our area. That's the only thing I dislike about this company.
it covered more compared to the others I called and asked about. It offered more items to add to the list of things covered for the most part. The other companies wanted to charge more for each item added to the list.
There is not really much I do not like about this company. The rates are low but in my opinion, I think rates should be lower overall for insurance in general.
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.
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$2240$824
Other Area
Matecumbe Key Rd2006 Ford Fusion V6 SEL18 year female teenager$2896$392
Gaspar Key Ln2006 Chrysler 300 C70 year senior$1713$844
Waterway Estates
SE 10th Ter2004 Chevrolet Silverado 2500HD Work Truck23 year woman$1127$362
SE 21st St2009 Acura TSX Base16 year male teenager$3467$559
Serendipity Mobile Home Park
NE 13th Ave2012 Hyundai Sonata GLS19 year teenager$3157$673
Diplomat Pkwy E2007 Lexus GS 35072 year female senior$1967$876
Lake Fairways Country Club Mobile Home Park
NW 24th Ave2010 Toyota Prius V21 year man$2014$641
Harbor Tree Ct2010 Mazda 3 S83 year male senior$1840$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


  • 2013 Honda Civic LX Male Teenager Insurance Rate $3238
  • 2010 Lincoln MKZ Base Female Teenager Insurance Rate $3096

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.


  • 2012 GMC Sierra 1500 SLE Married Men Insurance Rate $1960
  • 2013 Volkswagen Beetle 2.5 PZEV Married Women Insurance Rate $1910

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

Cape Coral Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Audi, Q5 2.0T $400 $1390 $1790 $1300 $1700 $90
Ford, Mustang $300 $1250 $1550 $1170 $1470 $80
Lexus, GX 460 $700 $1350 $1850 $1260 $1960 $-110
Chevrolet, Equinox 2LT AWD $500 $1260 $1760 $1180 $1680 $80
GMC, Sierra 2500HD SLE $100 $1370 $1470 $1290 $1390 $80