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Cheapest Car Insurance Rates in Cape Coral, florida

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Driving Conditions in Cape Coral, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

108Rainy Days a Year
53 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Cape Coral, florida Car Insurance Rates by Provider

White Chip Insurance has relationships with a variety of insurance providers, such as, Geico, Progressive, State Farm, Allstate, and USAA. It is important that you, the car owner, compare rates and coverage options to ensure you are receiving the best policy possible. White Chip will utilize these relationships to make sure you find the best policies available in Cape Coral.

ProviderAverage Annual Rate
State Farm$1,608

Cape Coral, florida Car Insurance Rates by Age

Depending on the age of the driver, car insurance rates in Cape Coral can vary. On average, insurance companies require younger drivers to pay higher rates than older drivers due to age being considered a risk factor when qualifying for insurance rates. White Chip Insurance is committed to providing cheap insurance rates to all drivers, despite their age.

AgeAverage Annual Rate

Cape Coral, florida Car Insurance Rates by Gender and Marital Status

Most states have laws prohibiting insurance companies from using gender as a basis for determining rates. Most likely, you will not find gender bias in car insurance quotes in Cape Coral, FL. Although, you will typically find higher insurance rates for female drivers in Cape Coral. Married couples often have lower car insurance rates than single drivers because it is assumed that married drivers will take fewer risks behind the wheel than single drivers. In Cape Coral, FL, divorced or widowed drivers will usually find an increase in their insurance rates than single or married drivers.

Gender and Marital StatusAverage Annual Rate

Cape Coral, florida Car Insurance Rates by Driving Record

Driving records hold weight in the process of determining insurance rates for most insurance companies. While a faulty driving record can cause prices to spike, drivers with a clean driving record are more likely to receive discounts on their insurance. On average, Cape Coral, Florida offers a rate of $1,839 for clean driving records, but the rate for faulty driving records runs around $3,056.

Driving RecordAverage Annual Rate
Reckless Driving$3,056
At-fault Accident (damages less than $1,000)$2,793
At-fault Accident (damages greater than $2,000)$2,793
Speeding Ticket (16-20mph over speed limit)$2,527

Cape Coral, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Cape Coral, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 570$3,977
580 - 669$2,476
670 - 739$2,026
740 - 799$1,839
800 - 850$1,633

Cheapest Area Codes in Cape Coral, florida

Cape Coral, Florida car insurance can be more expensive depending on its location and surroundings. If it is in close proximity to elite education and top-tier job opportunities, as well as safe neighborhoods and affluent ammenities, then you can expect the rates to be more pricey. The most expenzive zip code in Cape Coral, Florida is 33921 with an average home value of $2,818,443 and the least expensive zip code is 33909 with an average home value of $322,662.

Most Expensive Cape Coral, florida ZIP Codes

33907, 33928, 33931, 33913, 33909

Least Expensive Cape Coral, florida ZIP Codes

33921, 33924, 33957, 33914, 33956

Local Amenities in Cape Coral, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Cape Coral, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institue, the average cost of car insurance in Florida is $1,939 per year. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Cape Coral is $2,026.

Why is car insurance so expensive in Florida?

Car insurance is more expensive in Florida because of the high risk of natural disasters, such as hurricanes and floods. Florida also has a high rate of car theft. Additionally, Florida is a no fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. This leads to higher costs of insurance in Florida.

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How much is car insurance near Cape Coral, FL?
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OrlandoSt. PetersburgHialeah
HollywoodPembroke PinesPort St. Lucie
Miami GardensGainesvilleCoral Springs
Lehigh AcresClearwaterPalm Bay
Pompano BeachWest Palm BeachMiramar
LakelandDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

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