On average your neighbors pay $98 a month.See Your Rates
When people think of canals, they often think of Amsterdam or Venice, Italy. However, did you know that the city with the most canals on earth is actually Cape Coral, Florida? Halfway between Tampa and Miami, Cape Coral has over 400 miles of canals, which can make driving a pain. Drivers who have to deal with this everyday deserve affordable car insurance rates.
How much is car insurance in Cape Coral, FL? The average cost of insurance coverage in Cape Coral is higher than both the state and national average. The average cost of auto insurance in Florida is $1,185.25 per year. The national average price is $889.01.
Prices may vary depending on your driving record and the number of insurance claims filed in your zip code.
|Total Cost Per Year||$1,185.25|
|Price Per Month||$98.77|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in Florida's insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Florida car insurance rates increased from $1,090 in 2011 to $1,140 in 2015, a jump of $94, or 8.68 percent.
QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. QuoteWizard can help you find cheap car insurance rates near Cape Coral, Florida and save up to 40% on your premium.
Last year, 4,902 people used QuoteWizard to compare car insurance quotes in Cape Coral, FL from multiple companies and get the cheapest rates.
This is our list of the most common car insurance companies reported by QuoteWizard users living in Cape Coral, Florida last year. Of the 4,902 people who requested quotes last year, only 107 did not have insurance.
These are the most common car makes and models owned by Cape Coral, FL drivers requesting quotes through QuoteWizard last year.
Cape Coral, Florida has a minimum coverage requirement known as the 10/20/10 rule, which means each policy must include at least:
Congratulations Cape Coral! According to the 2016 Best Drivers Report published by Allstate Insurance, Cape Coral, Florida ranked fifth out of 200 cities for safe driving. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 12.2 years.
Factors affecting insurance rates include the weather, driving, and road conditions.
Cape Coral, FL enjoys a tropical humid climate and endures dry winters. On average residents can expect 265 sunny days and around 112 days with any measurable precipitation. Cape Coral receives an average of 54.3 inches in precipitation a year and it never snows in this area.
TRIP reports that 6 percent of the Cape Coral's major roads have pavement conditions rated as poor. Another 45 percent are mediocre. These road conditions costs drivers $384 a year in extra vehicle operating costs. These costs are a direct result of driving on rough roads that damage cars and waste gas because of delays due to congestion. They’re also a factor in car accidents.
Traffic data provider Inrix ranks Cape Coral 86th for worst traffic congestion in the US. Their data shows that area commuters wasted 30 hours in traffic congestion last year. Area commuters also spent a total of $669 per commuter in congestion costs.
Moving violations like speeding, drunk driving, and accidents can have a dramatic impact on your insurance rates.
The Lee County Clerk of Circuit Court website allows you to pay traffic citations, tells drivers how to plead not guilty and contest tickets, elect to attend driver improvement school, and provides helpful traffic court information.
Getting a DUI can cause all kinds of problems, especially increasing your rates. After your rates go up, legal and financial woes can stick around for months. Lee County Sheriff’s office provides DUI data via its website. At the end of the day, a DUI can typically cost between $10,000 and $15,000.
A DUI conviction may require you to obtain an SR-22 or FR-44 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Cape Coral DUI insurance.
Cape Coral Police reported 2,197 motor vehicle crashes in 2016, resulting in 1,418 injuries. This was a big decrease from the 1,717 crashes reported in 2015.
Cape Coral reported ten fatalities from car crashes in 2016. This was nearly the same as the 11 crash fatalities reported in 2015.
Cape Coral Police reported 141 vehicle thefts in 2016. This was a rate of 0.80 thefts per 1,000 residents. This is much lower than the rate for the US as a whole, which is 2.20 thefts per 1,000 people.
Are you looking for cheap car insurance? Discounts are a great way to lower your insurance rates. These are some of the auto insurance discounts available to Cape Coral drivers depending on your carrier. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies
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