For a 40-year-old driver with a clean record, Cape Coral car insurance rates average about $277 a month ($3,329 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 16% below the Florida average of $331 a month. Travelers has the lowest full-coverage average of the four major insurers we compared (Allstate, GEICO, Progressive and Travelers), at about $159 a month.
Cape Coral is one of the least expensive of our 26 Florida city guides: at about $277 a month for our benchmark driver, only Tallahassee and Gainesville cost less, and it’s about 16% below the statewide average on our Florida car insurance rates page.
Our data covers six ZIP codes with a Cape Coral mailing address, all within about $11 a month of each other, from $272 in 33914, on the west side, to $283 in 33909, the northernmost.
Cost data comes from the auto rates insurers file with state regulators, priced across all six Cape Coral ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Cape Coral averages $3,329 a year, or about $277 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,243 a year ($104 a month), and 50/100/50 liability with comprehensive and collision averages $2,882 ($240 a month).
Travelers has the lowest full-coverage average among the four insurers in our Cape Coral rate data. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average among these four insurers, at about $61 a month, followed by Travelers at $68.
Full-coverage averages by insurer in Cape Coral
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $819 | $68 | $1,902 | $159 |
| GEICO | $727 | $61 | $2,496 | $208 |
| Allstate | $1,396 | $116 | $4,023 | $335 |
| Progressive | $2,028 | $169 | $4,894 | $408 |
| State Farm (Nov. 2025 rates)* | $1,094 | $91 | $2,375 | $198 |
| United Automobile Insurance* | $1,712 | $143 | $2,503 | $209 |
| Nationwide* | $1,379 | $115 | $2,909 | $242 |
| Mercury Insurance* | $950 | $79 | $3,228 | $269 |
| Farmers* | $1,274 | $106 | $4,144 | $345 |
| National General* | $1,454 | $121 | $4,362 | $364 |
| Cape Coral average | $1,243 | $104 | $3,329 | $277 |
This table uses Cape Coral ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the six Cape Coral ZIP codes we price, full coverage for our driver ranges from about $272 a month in 33914 to $283 in 33909, a gap of $133 a year.
Lowest-priced Cape Coral ZIP codes
Highest-priced Cape Coral ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Cape Coral’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 33904 | $1,235 | $103 | $3,307 | $276 | About average |
| 33909 | $1,262 | $105 | $3,395 | $283 | +2% |
| 33914 | $1,218 | $102 | $3,262 | $272 | -2% |
| 33990 | $1,265 | $105 | $3,384 | $282 | +2% |
| 33991 | $1,237 | $103 | $3,305 | $275 | -1% |
| 33993 | $1,239 | $103 | $3,320 | $277 | About average |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $447 a year on average in our Cape Coral data, with the same $500 deductibles. That’s about $37 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Cape Coral ZIP codes, their full-coverage average fell from $4,271 a year nine months earlier to $3,804 in rates as of Aug. 31, 2026, a 10.9% drop. Progressive cut its Cape Coral average 17.5%, GEICO 6.1% and Allstate 4.7%. Travelers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Cape Coral average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 10.1%, led by Progressive, which cut its liability-only average 14.4%.
Lee County averages about $283 a month for full coverage, the 34th-most expensive of the 66 Florida counties we price, and Cape Coral comes in a little below that. Fort Myers and North Fort Myers, to the northeast, average about $283 and $281 a month, and Estero, to the southeast, $267. Where you live is one of the factors Florida insurers use, so neighboring cities can be priced differently.
Of these four insurers in Cape Coral, Travelers has the lowest full-coverage average, about $159 a month, and Progressive the highest, about $408, a difference of about $2,992 a year for the same driver and car.
More Florida cities and towns are in the Florida rates by city table, and you can compare states on our car insurance rates by state page.
Fort Myers, about six miles northeast, averages $283 a month and Lehigh Acres, about 20 miles east, $293. The nearest guides up the coast, St. Petersburg and Tampa, are more than 90 miles away and average $381 and $411.
Drivers in Cape Coral follow Florida’s rules. Every vehicle registered in Florida must carry at least:
Bodily injury liability isn’t required for most Florida drivers. You need it after certain at-fault injury crashes, at 10/20 with an SR-22 filing for three years, according to the Florida Department of Highway Safety and Motor Vehicles, or after a DUI conviction, at 100/300/50 with an FR-44 filing for at least three years, under Florida Statutes section 324.023. Uninsured motorist coverage comes with any bodily injury liability policy unless you reject it in writing, under section 627.727.
Florida’s no-fault law is still in place. The 2026 bills that would have repealed it, S.B. 522 and H.B. 769, died in committee on March 13, 2026. Our Florida requirements guide covers the no-fault rules and the penalties for letting coverage lapse.
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Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Cape Coral averages about $277 a month ($3,329 a year) and liability-only coverage at 15/30/10 limits about $104 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 16% below the Florida average of $331 a month.
Travelers has the lowest full-coverage average in our Cape Coral rate data, at about $159 a month, followed by GEICO at $208 among the four major insurers we compared. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average in our Cape Coral rate data, at about $61 a month. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. Rates vary by driver, so compare quotes for your own car and ZIP code.
It’s one of the less expensive of our 26 Florida city guides. At about $277 a month for our benchmark driver, Cape Coral costs less than every guide city except Tallahassee ($271) and Gainesville ($257), and it’s about 16% below the Florida average of $331.
In our data, 33914 has the lowest full-coverage average in Cape Coral, at about $272 a month, and 33909 the highest, at about $283. The ZIP code table on this page lists all six.
In our Cape Coral data, full coverage (100/300/100 with $500 deductibles) averages about $277 a month and liability-only coverage at 15/30/10 limits about $104, a difference of about $173 a month ($2,086 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Florida law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the three insurers in both sets of rates (Travelers is new over the past nine months), their Cape Coral full-coverage average fell 10.9%, from about $4,271 to $3,804 a year. That’s higher than the Cape Coral average of $3,329 because it leaves out Travelers. Progressive cut its Cape Coral average 17.5%, GEICO 6.1% and Allstate 4.7%. Liability-only coverage at 15/30/10 limits fell 10.1%.
For our benchmark driver, full coverage in Cape Coral averages about $277 a month. Nearby, Fort Myers averages about $283, Lehigh Acres about $293 and St. Petersburg about $381. Cape Coral is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
