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Car Insurance in Cape Coral

Illustration of van driving by Freeway Insurance headquarters

Cape Coral is a large and gorgeous city located between Miami and Tampa. And residents and visitors alike love to marvel at the sight of a city with more navigable waterways than any other place on the planet!

Of course, you’ll need more than a boat to get around. You need a good car to take you to places like the beach, local golf courses, and numerous museums and studios.

However, a good car needs good car insurance. To make sure you have the protection you need, we put together all the tips you need to know about car insurance in Cape Coral.

Quick Facts

  • In 2019, there were 15 traffic-related fatalities in Cape Coral.
  • The average cost of car insurance for the city is $160.58.

How Much Is Car Insurance in Cape Coral?

Let’s cut to the chase: how much will car insurance in Cape Coral cost you? The average cost of car insurance for the city is $160.58. That is better than the average cost of car insurance for Florida, which is $187.97. But the cost of insurance in Cape Coral is more expensive than the national average cost of car insurance, which is $135.29.

As you can already tell, the average cost of car insurance can vary quite a bit across different cities and states. Below, we have a brief breakdown of average car insurance costs in different Florida cities:

City Average Monthly Rate
Fort Lauderdale $224.34
Jacksonville $175.48
Miami $272.22
Orlando $202.57
Tampa $255.29

Cape Coral Car Insurance Rates by Zip Code

As our chart above proves, someone moving to different cities in Florida may end up paying very different amounts for their car insurance. Interestingly, though, the same thing may happen to someone simply moving from one part of Kissimmee to another!

That is because different zip codes have different average car insurance rates. Below, we have a breakdown of average automobile insurance prices in various Kissimmee zip codes.

Zipcode Average Monthly Rate
33904 $146.90
33909 $159.94
33910 $215.61
33914 $160.71
33990 $170.46
33991 $172.17
33993 $156.46

Cape Coral Car Insurance Rates by Age

Because car insurance prices can vary by location, moving can influence your monthly premium either up or down. But one thing stays consistent no matter where you go: your age!

No matter where you live, your age plays a role in how much you will pay for car insurance. Below, we have info about the average prices residents of Kissimmee pay based on their age:

Age Average Car Insurance Rate
Teenagers $299.52
20s $202.03
30s $154.40
40s $140.79
50s $120.95
60s $123.08
70s $145.70

Driving Conditions in Cape Coral

How Many Fatal Accidents Happen in Cape Coral?

In 2019, there were 15 traffic-related fatalities in Cape Coral. Overall, 23 vehicles were involved in fatal accidents that year.

How Are the Road Infrastructure and Bridges in Cape Coral?

For the most part, the infrastructure in Cape Coral is in good condition. The city regularly paves the roads to make for smoother travel. And the city’s Utilities Extension Project is devoted to installing new water lines, sewer lines, and irrigation lines. Honestly, many residents’ biggest infrastructure concern is the lack of affordable housing, but the actual roads are in excellent condition.

Get a Quote for Car Insurance in Florida Today!

Minimum Car Insurance Requirements in Cape Coral

We have been pretty consistent in our message to drivers: you should have more than the minimum required insurance coverage to protect yourself and your vehicle. However, you can’t exceed the minimum coverage if you don’t know what it is.

The state of Florida requires a minimum of liability insurance in the following amounts:

  • Property damage liability coverage: $10,000
  • Personal Injury Protection: $10,000

Factors Included in Cape Coral Car Insurance Rates

By now, you’ve probably figured out that many different factors influence how much you pay for car insurance. We’ve already mentioned location and age, but below, we have a breakdown of all the factors that may affect your bottom line:

  • Driving record
  • Credit score
  • Marital status
  • Age
  • Gender
  • Education

Some of these things may change over time. If that happens, it may be worth contacting your carrier and seeing if they can lower your premium. Otherwise, one of the best ways to get a better premium is to ask your carrier about special discounts.

Discounts for Car Insurance in Cape Coral

Insurance premium discounts are not mandated or regulated by the state. Instead, different insurance carriers are allowed to establish special discounts for drivers who meet certain conditions.

Here are some common discounts:

  • Blue icon of a blue car

    Good driver

  • Pink icon of a thief

    Anti-theft systems

  • Hands holding a box with a check mark

    Safety features

  • Illustration of a smiling person

    Customer loyalty

  • Graphic of a man driving a car

    Graduating from a defensive driving course

  • Blue icon of a document with a checklist

    Bundled policy

Because carriers set their own discounts, you will not know what your own carrier has to offer until you contact them and ask about it.

What Are the Penalties for Driving Without Insurance in Cape Coral?

In Florida, driving without insurance is a very big deal. And you may be wondering what will happen if you are caught driving without insurance.

When you are initially caught, you will have three days to obtain insurance and provide proof that you are sufficiently covered. If you cannot provide such proof, your license, plates, and registration will be suspended for three whole years. After you get properly insured, reinstatement will cost $150.

Should you commit a second violation within three years, you’ll have the same penalties, but the reinstatement fee is now $250. Should you commit a third offense within three years, your reinstatement fee will now be $500.

Get a Cape Coral Car Insurance Quote Today!

Panoramic view of a bay with boats in cape coral florida

Cape Coral is one of the greatest planned communities in the state of Florida. But you can’t really enjoy living there until you have a “plan” to get better car insurance.

The good news is that Freeway Insurance is here to help Cape Coral drivers get competitive automobile insurance quotes. Get started with a quote online, or visit us at an office near you. You can also call us at (800) 777-5620 for a quote.