Cape Coral Car Insurance

Surrounded by the gorgeous views of the Gulf Coast, Cape Coral, FL offers beach lovers endless opportunities for entertainment with over 400 miles of canals to explore and some of the best water sports on the southern shore. Whether you’re spending a day fishing in the Gulf or taking the kids for an afternoon at the Sun Splash Family Waterpark, make sure you have comprehensive Cape Coral car insurance before you get behind the wheel. 

Finding the best Cape Coral auto insurance begins with a call to our Independent Insurance Agents. Our experienced agents can help you navigate all of your options from liability to collision to comprehensive coverage and can find the policy that is right for you. Our independent insurance agents offer a unique advantage for Cape Coral drivers because they can quote from multiple policies. This allows you to have a side-by-side comparison of policies and premiums so you can select a policy that works for you.

• National average cost per year: $1,311
• Florida average cost per year: $1,742
• 5th most expensive auto premium in the U.S.

Living in Cape Coral offers lots of perks, but car insurance does tend to be expensive. However, the good news is that our independent insurance agents can help you discover all the best discounts so you can save money on Cape Coral auto insurance and still feel confident that you have the best comprehensive coverage to protect you against accidents.

Florida Car Insurance Requirements

• Body injury liability: required
• Property damage reliability: required
• Personal injury protection (PIP): required
• Uninsured motorists: not required
• Minimum liability limits: 10/20/10

Florida law requires that drivers have a minimum coverage of $10,000 for individual bodily injury, $20,000 for all injuries in an accident and $10,000 for property damage per accident. These minimums are meant to protect drivers against the potentially devastating financial consequences of an accident. However, these minimums might not be enough. If you are in a serious accident and suffer major injuries, $10,000 might not go very far in paying the resulting medical bills. If the costs exceed your coverage limits, you will have to pay the difference out of pocket, so it’s always best to get as much coverage as you can reasonably afford. 

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Number of Uninsured Motorists in Florida

• Number of uninsured U.S. drivers: 12.6%
• Number of uninsured Florida drivers: 23.80%

Florida has a high rate of uninsured drivers, which poses a serious risk to any motorist on the highway. If you get into an accident, there’s nearly a one in four chance that the other party won’t be insured. If this happens to you, will you be able to cover the cost of car repairs? Many Cape Coral drivers choose to add uninsured motorist coverage to their auto insurance as an added layer of protection against this scenario.

Number of Auto Thefts in Florida

• National number of thefts for 1,000 vehicles: 2.28
• Number of thefts for 1,000 vehicles in Florida: 1.93

Cape Coral is generally a low-crime area, but car thefts do happen from time to time. Take precautions to lower the risks of becoming a victim. Always park in a well-lit area, lock your car doors and never leave a vehicle running unattended. You can also add protection against auto theft to your Cape Coral car insurance policy.

Find a Great Cape Coral Car Insurance Policy

Choosing the best Cape Coral car insurance can be a challenge, but our experienced independent insurance agents make it simple. With one call, you can get instant access to quotes from multiple insurance providers. Best of all, our friendly agents can help you weigh the options and find a policy with the right amount of coverage for your lifestyle and budget. 

Contact an agent today to learn more about the best Cape Coral car insurance and to start building a customized policy that is right for you.