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Auto Insurance in Cape Coral, FL

Local car insurance for Cape Coral. Pick your ZIP for the most local rates, or get free quotes now.

Short answer: car insurance in Cape Coral, FL depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026
Cape Coral, FL
Population ~165,831 · Lee County · Florida statewide average: ~$1,864/yr (NAIC, 2023).

Cape Coral ZIP codes

Car Insurance 33904
Car Insurance 33909
Car Insurance 33910
Car Insurance 33914
Car Insurance 33915
Car Insurance 33990
Car Insurance 33991
Car Insurance 33993

FAQ

How much is car insurance in Cape Coral, FL?

Cape Coral rates depend on your ZIP, coverage and profile; the Florida statewide average is about $1,864/yr (NAIC, 2023). Compare free car insurance quotes from licensed partners.

Which ZIP codes are covered in Cape Coral?

We list Cape Coral ZIP-level pages below; each shows local car insurance details and free quotes.