Car Insurance in Cape Coral, Florida [The Complete Guide]

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Cape Coral Statistics Details
Population 179,795
City Density Per Square Mile 1,709 people

Average Cost of Insurance $3,134
Cheapest Car Insurance Company USAA
Road Conditions Poor: 6%
Mediocre: 45%
Fair: 3%
Good: 46%
Vehicle Operating Costs $384

Researching car insurance can be frustrating, especially if you are moving to a new area and are considering switching providers. Which company actually has the best rates for your area?

That’s why we are going to break down the important car insurance facts you need to know about Cape Coral. From providers to rate changes, we will cover it all here.

We will also cover what Cape Coral’s living environment is like, as knowing about crime rates and natural disasters in your city can help you prepare accordingly.

So let’s jump right into it. Want to start comparison shopping today? Enter your zip code in our FREE online tool above.

Table of Contents

The Cost of Car Insurance in Cape Coral

We don’t often consider car insurance costs when we first move, concerned instead with location issues like neighborhood safety and taxes. If you are reading this guide, though, its because you are interested in car insurance in Cape Coral.

Car insurance can cost quite a bit every month, and most people want to make sure they are getting the best deal possible.

To help you analyze Cape Coral’s insurance costs, we are going to look through Cape Coral’s rates, companies, and much more. So let’s jump right into it.

– Male vs. Female vs. Age 

Almost every insurer will base rates on gender, and EVERY insurer will base rates on age. Why are insurers so concerned with age?

Well, age usually relates directly to drivers’ experience levels. The older drivers are the more driving experience they have. Unless, of course, they are elderly drivers, which is when rates may start to creep back up.

The average median age in Cape Coral is 45.9, which means the majority of drivers will have normal rates as they are neither new or elderly drivers.

Let’s take a look at companies’ average annual rates based on age.

Age 17 25 35 60 Cheapest Age
Average Annual Cost $7,979 $3,075 $2,685 $2,456 60

Need a reason to celebrate turning 60? You’ll have the cheapest rates and can put that extra money towards a celebratory birthday trip.

Now that we’ve covered age, let’s look at how gender impacts rates. Generally, males will pay more for car insurance, though females may pay more at some companies. Below is the average cost of insurance for males versus females in Cape Coral.

  • Males’ Insurance Costs — $4,049
  • Females’ Insurance Costs — $3,839

Males in Cape Coral tend to pay a few hundred more than females. Why is this? Well, most insurers consider male drivers to be riskier to insure than female drivers based on accident data.

So what if we put all this gender and age information together? What are the cheapest demographics? A look at the table below will show you what the different gender and age groups are paying.

Demographic Rates
Married 60-year old female $2,433.28
Married 60-year old male $2,479.27
Married 35-year old male $2,655.33
Married 35-year old female $2,715.74
Single 25-year old female $2,973.19
Single 25-year old male $3,178.58
Single 17-year old female $7,236.55
Single 17-year old male $8,722.18

Once again, drivers 60 years of age have the best rates out of all the demographics. Interestingly, married couples usually receive better rates than single people, as insurers count on two people paying the costs rather than one (and consider married people to be more responsible).

– Cheapest Zip Codes in Cape Coral

Where you live within Cape Coral can also affect your rates. Below is a list of the cheapest zip codes in Cape Coral.

Zip Code Average Annual Rate
33904 $3,130.27
33914 $3,130.27
33991 $3,130.76
33993 $3,131.53
33909 $3,134.40
33990 $3,134.40

The difference between the most and least expensive zip codes on the list is only a few dollars. This is great news, as it means various areas in Cape Coral basically cost the same amount.

– What’s the Best Car Insurance Company in Cape Coral?

This is the question on everyone’s mind when shopping for car insurance. You want to know who has the best coverages and rates in your area so that you aren’t paying more than you need to.

Luckily, we’ve done most of the hard work for you. You already know that gender and age can affect rates, but there are other factors at car insurance companies you may not be aware of.

These factors can be a huge part of the decision process when picking out a company, so we are going to go through everything from the cheapest providers to coverage level rates.

Keep scrolling to see who the best provider is for YOU.

– Cheapest Car Insurance Rates by Company

Below is a list of the CHEAPEST rates providers offer in Cape Coral.

Group Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Average
Allstate $13,047.13 $14,053.33 $3,809.09 $3,857.91 $3,819.08 $3,632.98 $3,308.14 $3,353.65 $6,110.16
Progressive $9,764.32 $10,692.40 $4,168.64 $4,013.63 $3,451.30 $3,262.69 $2,971.39 $3,180.47 $5,188.11
Liberty Mutual $6,704.19 $10,293.18 $3,206.68 $4,325.73 $3,206.68 $3,206.68 $2,943.49 $2,943.49 $4,603.77
Nationwide $6,175.96 $7,581.40 $2,846.08 $2,952.55 $2,590.95 $2,553.06 $2,312.48 $2,392.40 $3,675.61
State Farm $5,677.99 $7,202.69 $2,288.57 $2,414.25 $2,055.77 $2,055.77 $1,861.89 $1,861.89 $3,177.35
Geico $4,441.78 $5,613.54 $2,740.14 $2,794.64 $2,483.29 $2,497.74 $2,322.33 $2,322.33 $3,151.97
USAA $4,844.47 $5,618.74 $1,753.10 $1,891.37 $1,403.12 $1,378.42 $1,313.24 $1,300.63 $2,437.89

In general, USAA has the cheapest rates. USAA is only for military personnel and their families, though, so if you aren’t military personnel you may want to check out Geico or State Farm instead.

– Best Car Insurance for Commute Rates

Did you know that some insurers charge more for a long commute? Not only are you paying more for gas, but you are also paying more to your insurer.

The reasoning behind this extra cost is that the longer a person is on the road, the higher the chance there is of being in an accident.

Still, nobody wants to pay more for insurance. The table below shows which companies charge more (or don’t) for longer commutes.

Group 10 Miles Commute. 6000 Annual Mileage. 25 Miles Commute. 12000 Annual Mileage. Average
Allstate $5,937.69 $6,282.64 $6,110.17
Progressive $5,188.10 $5,188.10 $5,188.10
Liberty Mutual $4,456.78 $4,750.74 $4,603.76
Nationwide $3,675.61 $3,675.61 $3,675.61
State Farm $3,061.38 $3,293.32 $3,177.35
Geico $3,136.14 $3,167.81 $3,151.98
USAA $2,410.52 $2,465.25 $2,437.89

Nationwide and Progressive are the only companies in Cape Coral who don’t charge more for a longer commute. Most companies (with the exception of Allstate), though, have increases under $100, which isn’t terrible.

– Best Car Insurance for Coverage Level Rates

High coverage is always best in an accident, but the higher price tag can sometimes discourage people from purchasing high coverage. The good news is that at some companies, high coverage can be affordable.

Take a look at the table below to see how coverage level rates compare.

Group Low Medium High Average
Allstate $4,914.17 $6,382.16 $7,034.16 $6,110.16
Progressive $4,372.48 $5,305.15 $5,886.68 $5,188.10
Liberty Mutual $4,235.63 $4,670.41 $4,905.26 $4,603.77
Nationwide $2,962.06 $3,809.95 $4,254.82 $3,675.61
State Farm $2,733.54 $3,253.13 $3,545.38 $3,177.35
Geico $2,627.02 $3,257.80 $3,571.10 $3,151.97
USAA $2,098.17 $2,527.05 $2,688.44 $2,437.89

At Liberty Mutual, the jump from low to high coverage is only $607. This means you will only have to pay an extra $55 a month to have better protection.

– Best Car Insurance for Credit History Rates

Getting behind on bills can be daunting to overcome, and it becomes even more upsetting when people realize that they are being charged more by their car insurer for bad credit.

In Cape Coral, insurers will charge customers more if they have bad credit scores.

Group Fair Good Poor
Allstate $5,410.18 $4,399.22 $8,521.09
Progressive $4,803.38 $4,009.99 $6,750.94
Liberty Mutual $4,354.70 $3,542.39 $5,914.20
Nationwide $3,373.03 $3,046.29 $4,607.51
Geico $2,782.35 $2,097.83 $4,575.74
State Farm $2,843.28 $2,320.73 $4,368.04
USAA $1,944.56 $1,416.69 $3,952.41

Generally, bad credit will cost drivers at least an extra thousand a year. At some insurers, like Allstate, this increase may be much more.

– Best Car Insurance for Driving Record Rates

DUIs are one of the worst offenses drivers can have on their record. Accidents and speeding violations will also contribute to a bad driving record.

The worse drivers’ records are, the more insurers will charge.

Group Clean Record With 1 Speeding Violation With 1 Accident With 1 DUI
Allstate $5,271.40 $5,849.93 $6,312.36 $7,006.98
Geico $2,207.89 $3,425.65 $2,810.62 $4,163.74
Liberty Mutual $3,328.75 $4,533.22 $4,312.08 $6,241.00
Nationwide $3,140.00 $3,485.22 $3,446.11 $4,631.11
Progressive $4,097.72 $5,497.69 $6,059.48 $5,097.53
State Farm $2,899.61 $3,177.34 $3,455.12 $3,177.34
USAA $1,904.08 $1,997.47 $2,355.79 $3,494.19

These rate increases are also only for ONE offense. Multiple offenses may increase rates even further.

– Car Insurance Factors in Cape Coral

So what else influences car insurance beyond drivers’ personal history? Generally, area factors such as income, education, or poverty can impact how much insurers charge.

Let’s dive right into Cape Coral’s car insurance factors to show what it’s like to own a car in Cape Coral.

– Growth and Prosperity

What do growth and prosperity mean in regard to a city? Essentially, growth measures how much a city changes in size and entrepreneurial activity.

Prosperity looks at the average wealth and income generated by the city’s economy. To see how Cape Coral is growing and prospering, we are going to take a look at Brookings’ Metro Meter Data from 2005 to 2015.

  • Cape Coral’s Prosperity
    • Productivity: -11.8% (100th of 100)
    • Standard of Living: -21.9% (100th of 100)
    • Average Annual Wage:  -2.4% (99th of 100)

Unfortunately, Cape Coral’s prosperity has declined over the years. Standard of living has had the biggest decline, though productivity has also declined over 10 percent since 2005.

Let’s move onto growth to take a closer look at Cape Coral’s statistics.

  • Cape Coral’s Growth
    • Jobs: +11.9% (23rd of 100)
    • Gross metropolitan product (GMP):  -1.2% (92nd of 100)
    • Jobs at young firms: -28.8% (85th of 100)

Cape Coral’s jobs have increased, though GMP (value of goods and services produced in an area) and jobs at young firms have both decreased.

– Median Household Income

Do you know how much of your income is going to car insurance each year? If you don’t, don’t fear. We are going to go through Cape Coral’s average income and see how much is going to car insurance, as well as give you the tool to calculate your exact percentage.

Let’s jump right into it. Below, you will see Data USA’s information on Cape Coral’s incomes compared to other areas in Florida.

Cape Coral Median Household Income

The average income in Cape Coral is $53,653. With an average of $3,134 being spent on car insurance each year, this means the average Cape Coral resident spends 5.8 percent of his or her income on car insurance each year.

This percentage actually isn’t terrible, as Cape Coral has lower car insurance costs than other Florida cities AND residents tend to earn more median income.

Want to see what percentage you are paying for car insurance? Check out our free tool below to calculate your insurance as a percentage of your income.

CalculatorPro

– Homeownership in Cape Coral

Owning a home can help lower your insurance rates. Why? Insurers figure that if a person can faithfully make house payments, he or she will also be responsible enough to pay for car insurance each month.

With this in mind, let’s look at Cape Coral’s ratio of homeowners compared to renters.

In 2017, 70.3 percent of Cape Coral residents owned their homes. This is higher than the Florida’s statewide percentage of homeowners (64.8).

Cape Code’s homeownership percentage is fantastic, especially considering it is higher than both Florida’s AND the U.S.’s percentages. With so many homeowners, we next want to take a look at how much homeowners paid for their homes.

Cape Coral Property Value

On average, most Cape Coral homes are valued at $196,800. This value is much higher than most U.S. homes (represented by the grey bars on the chart above).

Since so many Cape Coral residents own their homes, there is a good chance they are getting better rates from their insurers.

– Education in Cape Coral

Education is one of the most important privileges we receive in our lives, even if final college exams can make students want to tear their hair out.

So what education does Cape Coral offer? Well, Cape Coral’s only school is the Cape Coral Technical College, which awarded 197 degrees in 2016.  

Though Cape Coral only has one college in the area, Cape Coral doesn’t have a local community college. If Cape Coral residents are looking for a four-year university nearby, they will have to travel outside of Cape Coral.

The good news is that many colleges (including community colleges) are moving towards offering more online classes and degrees. So if residents can’t tear themselves away from Cape Coral, they may still receive an education online.

– Wage by Race and Ethnicity in Common Jobs

Even in the exact same job, wages can vary by race and ethnicity. Below is the average salary for managers in Cape Coral, along with the percentage of income going to car insurance.

Miscellaneous Managers' Race/Ethnicity Average Full Time Salary Percentage of Income Going to Car Insurance
Asian $90,199 3.47%
White $85,535 3.66%
Native Hawaiian and Other Pacific Islanders $69,397 4.52%
Two or More Races $68,409 4.58%
Black $65,761 4.77%
American Indian $64,992 4.82%
Other $52,027 6.02%

The highest paid race or ethnicity (Asian) has over 3 percent of their income going to car insurance. This percentage isn’t terrible, though it does increase to over six percent for the lowest paid race or ethnicity.

Make sure to shop around for car insurance so that you aren’t paying more than you need to.

– Wage by Gender in Common Jobs

Even if males and females have the SAME job, statistically males will earn more than females. The graphic below shows the wage gap in several different jobs in Cape Coral.

Cape Coral Wage by Gender

As you can see, males consistently earn more than females in most common occupations shown above. In 2017, male employees made 1.34 times more than female employees in Cape Coral.

  • Average Male Salary — $58,931
  • Average Female Salary — $44,078

The difference in salaries means that while females are spending seven percent of their income on car insurance, males are only paying 5 percent!

Two percent may not seem like much, but it means that males earn over $10,000 MORE than females.

– Poverty by Age and Gender

Just like wage gaps, poverty also shows gender trends.

Cape Coral Poverty by Age and Gender

In Cape Coral, the largest demographic living in poverty is females aged 45-54. As you can see from the graphic above, in most of the age groups more females than males are living in poverty.

The good news is that only 12.7 percent of the Cape Coral population labeled as poverty status are living BELOW the poverty line. This number is below the national average of 13.4 percent.

– Poverty by Race and Ethnicity

Race and ethnicity also show trends in poverty. In Cape Coral, whites have the largest number of people living in poverty, followed by Hispanics and Blacks.

Cape Coral Poverty by Race and Ethnicity

Approximately 18,915 whites are living in poverty in Cape Coral, compared to only 7,825 Hispanics.

– Employment by Occupations

Moving on from poverty statistics, let’s take a look at the three most common occupations in Cape Coral.

  1. Office and Administrative Support Occupations (11, 742 people)
  2. Sales and Related Occupations (11,374 people)
  3. Management Occupations (6,782 people)

In 2017, the employment rate in Cape Coral also grew from 73.7k employees to 75.9k employees. The employment growth rate, combined with the lower poverty rate in Cape Coral, is good news for Cape Coral residents.

Driving in Cape Coral

Every teenager dreams of the day they will get their license and the newfound freedom that comes with driving. But driving can lose its allure after a few years, especially after a few years of paying for car insurance and repairs.

Driving around cities also comes with the headaches of traffic, parking, tolls, and more. To help you navigate these annoyances, we are going to go through everything you need to know about driving in Cape Coral.

Stick with us, because we are going to dive right into major roads, traffic, vehicles, and much more.

– Roads in Cape Coral

Like every city, Cape Coral has numerous routes to take. We are going to go through important roads in Cape Coral to help show where everything is, from route options to red light cameras.

– Major Highways

Currently, Cape Coral doesn’t have a major interstate running through the city. Cape Coral residents don’t have direct access to any of Florida’s 12 active interstates, meaning they must go roundabout ways to access a highway.

Cape Coral Map

The good news is that FDOT is working to see if an interchange can be made out of Cape Coral to connect to I-75. If the preliminary planning goes through, Cape Coral residents may finally have a route to access the highway easily.

Since most Cape Coral residents take highways to drive around Florida, they must also deal with toll roads. Florida has 700 miles of toll roads, which is more miles than any U.S. state! 

If you are looking for a more cost-effective way to go through tolls, you may want to look into Florida’s SunPass. SunPass is accepted at cashless toll booths, and the devices cost around $20. The user is then responsible for setting up an account to bill tolls.

SunPass doesn’t appear to have an annual pass cost, but the good news is that SunPass users pay the lowest tolls available on Florida’s highways. This could save quite a bit of money in the long run.

If you want a toll pass more specific to Cape Coral’s area, you can purchase a LeeWay transponder instead. The LeeWay responder will also work at SunPass toll roads outside of Lee County.

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– Popular Road Trips/Sites

While Cape Coral is a beautiful place to live, the rest of Florida also has amazing road trip options and sites to visit for that weekend when you simply want to get away.

Check out the list below to see some great places to visit in Florida.

  • One-Day Trip — If you want to drive to numerous amazing places in one day, check out Florida’s attractions that are close together.
  • Weekend Getaway Trips — These places are perfect for a weekend getaway for those who don’t want to spend a whole week road tripping across Florida.
  • Top Historical Landmarks — Visiting Florida’s top 12 historical landmarks is a must for history enthusiasts.
  • Family Attractions — If you want a family-friendly trip, Florida has plenty of options to try.

If you are looking for a fun trip outside of Cape Coral, make sure to plan a trip to one of Florida’s amazing attractions.

– Road Conditions

Let’s take a close look at the condition of Cape Coral’s roads. After all, the last thing you want is to live in a city with numerous potholes threatening to take your tire off.

Poor Mediocre Fair Good Vehicle Operating Costs (VOC)
6% 45% 3% 46% $384

The good news is that only 6 percent of Cape Coral’s roads are in poor condition, though a less high percentage of mediocre roads would be ideal. Cape Code is working on road construction, but construction can lead to frustration — even if the end result is good roads.

– Speeding or Red light Cameras in Cape Coral 

According to the Insurance Institute for Highway Safety (IIHS), Cape Coral does not currently have red light cameras or speeding cameras. However, red light cameras are legal in Florida, so be careful when driving through other cities.

– Vehicles in Cape Coral

Vehicles are an important part of transportation in many people’s lives. To see how vehicle transportation functions in Cape Coral, we are going to dive into everything from car ownership to vehicle thefts.

– How Many Cars Per Household?

Today, most American households have at least one car. In Cape Coral, most residents actually own two cars.

Cape Coral Car Ownership

– Households Without a Car

While most Cape Coral residents own cars, there are also households who depend on other methods of transportation.

Year Households Without Vehicles Vehicles Per Household
2015 3.0% 1.72
2016 3.0% 1.78

The percentage of households without cars remained the same from 2015 to 2016. The good news is that only 3 percent of Cape Coral’s residents don’t have cars, which is a fairly low number.

– Speed Traps in Cape Coral

The good news is that Cape Coral is NOT one of the 10 worst cities for speed traps. What is a speed trap?

A speed trap is an area where police officers can hide out of view of the road and use radar guns to catch speeders.

Just because Cape Coral isn’t notorious for its speed traps doesn’t mean that you won’t be pulled over for speeding. Make sure to drive the speed limit to avoid a ticket.

– Vehicle Theft in Cape Coral

The possibility of having your vehicle stolen is an unfortunate risk of owning a car. The FBI created a 2013 report that tracked multiple crimes, including vehicle theft, in Cape Coral.

The FBI found that 145 vehicles were stolen in 2013. While this number isn’t great, it is much lower than other cities in Florida, where vehicle thefts can equal over a thousand a year.

The latest data by Neighborhood Scout also reported that 170 vehicles were stolen in 2017. This number has increased since 2013, though not astronomically.

Let’s take a moment from vehicle theft to look at where the safest neighborhood is in Cape Coral — where you have the least chance of having your car stolen.

According to Neighborhood Scout, the safest neighborhood is Matlacha Shores. If you live in this area, there is less of a chance of a crime happening to you.

Safest Cape Coral Neighborhood

Other safe neighborhoods include the following.

  • Matlacha Isles
  • Burnt Store Rd N/Diplomat Parkway W
  • Cape Coral Pky W/Chiquita Blvd S
  • SW Pine Island Rd/Chiquita Blvd S
  • Del Prado Blvd S/Cape Coral Pky E
  • SE 28th St/Del Prado Blvd S
  • Jacaranda Pky/NE 7th Place
  • Bayshore Dr/Bayshore Ave
  • Santa Barbara Blvd N/Kismet Pky W

Let’s dive a little deeper into crime in Cape Coral.

In Cape Coral, there is a one in 780 chance of becoming a victim of a violent crime. This chance is much LOWER than the country overall, where the national average is a one in 245 chance.

Cape Coral Violent Crimes 2017 Murder Rape Robbery Assault
Report Total 3 16 41 175
Rate per 1,000 0.02 0.09 0.22 0.95

Cape Coral also has a crime index rating of 40, which means Cape Coral is safer than 40 percent of U.S. cities. With this in mind, let’s take a look at Cape Coral’s 2017 annual crime report.

Cape Coral Annual Crimes 2017 Violent Property Total
Number of Crimes 235 2,896 3,131
Crime Rate (Per 1,000 Residents) 1.28 15.79 17.08

While these numbers may seem large, these rates are lower than other Florida cities, such as Hialeah. Of course, living in one of Cape Coral’s safest neighborhoods will make sure that there is less of a likelihood of becoming a crime victim.

– Traffic

Sitting in traffic is never enjoyable. No one wants to sit in a long line of beeping cars with the complete inability to move beyond a snail’s pace. So let’s take a look at TomTom’s traffic information on Cape Coral to see how much time you’ll spend in traffic.

Congestion Level Extra Travel Time Morning Peak Evening Peak Highways Non-Highways
21% 19 min per day
71 hours per year
24% 35% 33 miles 6,121 miles

Evening traffic peaks more than morning traffic in Cape Coral, though traffic only adds 19 minutes a day to most residents commute.

– Transportation

Now that we’ve taken a look at traffic, let’s look a little closer into Cape Coral’s average commute time.

Cape Coral Commute Time

The average Cape Coral resident’s commute time is 26.4 minutes, which is slightly higher than Florida’s average commute time of 25.5 minutes.

2.23 percent of Cape Coral residents have commutes over 90 minutes.

Part of the reason for Cape Coral’s long commutes could be attributed to traffic, as well as a lack of highways.

Let’s move on to take a look at how Cape Coral residents commute each day.

Cape Coral Commuter Transportation

As expected, driving alone is the most common method of transportation. Interestingly, no percentage of residents are shown to take public transportation.

– How Safe are Cape Coral’s Streets and Roads?

We’ve covered crimes, but what about your risks when driving? To help give you an idea of Cape Coral’s crash statistics, we are going to take a look at the National Highway Traffic Safety Administration’s (NHTSA) 2017 data.

Below, you will see fatalities for all types of crashes in Cape Coral (statistics are for Lee County, of which Cape Coral is a part of).

Lee County 2013 2014 2015 2016 2017
Total Crashes 92 81 95 105 113

Unfortunately, the number of fatal crashes has increased slightly since 2013 in Lee County. Next, let’s take a look at fatalities that are caused by one of the worst driving offenses — drunk driving.

Fatal Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) 2013 2014 2015 2016 2017
Total Fatal Crashes 24 19 33 33 38

Once again, drunk driving fatalities went up slightly since 2013. Other fatalities by crash type are listed below.

Crash Type 2013 2014 2015 2016 2017
Single Vehicle 54 56 51 47 48
Involving Speeding 15 13 18 12 21
Involving a Roadway Departure 37 30 28 38 35
Involving an Intersection (or Intersection Related) 34 28 37 45 53

Car occupants are not the only ones to suffer from crashes. Pedestrians and cyclists are also victims of car crashes every year.

Person Type Fatalities 2013 2014 2015 2016 2017
Car Passenger 26 22 26 43 49
Pedestrian 24 17 17 15 18
Cyclist 3 9 5 10 3

Don’t depend on drivers to avoid you. Keep a wary eye out when near roadways.

Below is NHTSA’s information on Florida highways with the most fatal crashes, as well as other road types.

Florida Road Type Fatal Crashes
Rural Interstate 97
Urban Interstate 156
Freeway and Expressway 84
Other 876
Minor Arterial 458
Collector Arterial 309
Local 258
Unknown 684
Total Crashes 2,922

So what do all these road types mean?

  • Arterial Road — High-capacity urban road. May be classified as highway or minor arterial road depending on the amount of traffic that needs to move through.
  • Collector Road — Gathers traffic from local roads to take drivers to arterial roads.

Cape Coral doesn’t have arterial roads (highways) in the area, which means most of Cape Coral’s fatal crashes will occur on minor arterial roads or collector roads.

– Allstate America’s Best Drivers Report

Another part of road safety is the drivers. To see how safe Cape Coral’s drivers are, we are going to take a look at Allstate’s data on drivers.

According to Allstate, an average of 11.6 years passes between claims in Cape Coral.

This is great news. It means that drivers in Cape Coral aren’t getting into that many accidents, as over a decade typically passes between drivers’ claims.

This average places Cape Coral’s relative claim likelihood (compared to the national average) at -14.10 percent. To further see how Cape Coral’s drivers are performing, let’s take a look at Allstate’s report on hard-braking incidents.

Cape Coral’s hard-braking incidents per 1,000 miles is 19.6.

Why would drivers brake hard? While it may sometimes be because drivers are inattentive, drivers may also brake hard because they are alert. Animals, sudden stopping of cars ahead, and other factors can all contribute to the need to brake hard to avoid an accident.

– Ridesharing

If you are looking for a rideshare option in Cape Coral, it helps to know who has the cheapest rates. Below, we’ve listed ridesharing options in Cape Coral from least to most expensive.

  1. Taxi — Surprisingly, a taxi is one of the cheapest options in Cape Coral.
  2. Lyft — This ridesharing company has one of the cheapest options, costing only a little more than a traditional taxi ride.
  3. Uber — Uber has the most expensive rates in Cape Coral, though the cost is only a bit more than a taxi.

In Cape Coral, most rideshare providers are similar in pricing. Luxury rides at Uber and Lyft, though, will cost significantly more than the standard pricing.

– EStar Repair Shops

Esurance has a car repair program called EStar, which helps drivers find the best car repair shop near them. Within 30 miles of Cape Coral, there are six EStar repair shops.

Shop Address Contact Info
Gerber Cape Coral 1403 SE 10TH STREET
CAPE CORAL FL 33990
email: gerberflaudits@gerbercollision.com
P: (239) 574-2324
F: (239) 574-6853
Gerber Ft. Myers
12791 METRO PKWY
FORT MYERS FL 33966
email: gerberflaudits@gerbercollision.com
P: (239) 225-0600
F: (239) 225-0602
Sam Galloway Collision Center 15565 S. TAMIAMI TRAIL. PO BOX 70
FORT MYERS FL 33902
email: abingham@gallowayauto.com
P: (239) 936-2193
F: (239) 332-5336
Gettel Chevrolet Buick GMC 1901 TAMIAMI TRL
PUNTA GORDA FL 33950
email: palmbs@aol.com
P: (941) 639-1155
F: (941) 639-9529
Deveo Collision Center
1411 SOLANA ROAD
NAPLES FL 34103
P: (239) 649-1400
F: (239) 649-1238
Gerber Naples 1851 PINE RIDGE ROAD
NAPLES FL 34109
email: gerberflaudits@gerbercollision.com
P: (239) 566-2101
F: (239) 566-1650

Gerber has three locations near Cape Coral within a reasonable distance, and there are other options as well.

– Weather

Because Cape Coral resides in the Sunshine State, it makes sense that Cape Coral residents will see more sunny days than other states. The difference between most Florida weather and Cape Coral, though, is that Cape Coral receives more rainfall (as a result of being by the coast).

Let’s take a closer look at just what type of weather Cape Coral residents can expect throughout the year.

Cape Coral Weather Details
Annual High Temperature 82.4 F
Annual Low Temperature 63.5 F
Average Temperature 73.76 F
Average Annual Precipitation (Rainfall) 52 inches

Snowfall wasn’t included for a reason. In a state where the lowest average temperature is above 60 degrees, snowfall is an extremely rare occurrence.

Unfortunately, natural disasters are not as rare as snowfalls. The Cape Coral area has seen a total of 21 natural disasters.

This number is MUCH higher than the U.S. national average of 13 natural disasters.

Cape Coral has seen hurricanes, tropical storms, and fires. Living so close to the shoreline, it makes sense that Cape Coral residents have experienced a number of hurricanes and tropical storms.

If you want to make sure that your vehicle is protected in case of a natural disaster, the best thing you can purchase is comprehensive coverage.

Comprehensive coverage will help cover the costs of repairs or replacement if your vehicle is damaged by something other than a collision with another vehicle. These disasters include fire, storms, falling debris, animal collisions, theft, and vandalism.

– Public Transit

If you are looking for a way to get around Cape Coral that doesn’t involve a car, the best option is public transport. The catch is that buses only run along the main routes in Cape Coral, meaning you may have to hike a bit out of a residential neighborhood to reach a bus stop.

One of the main bus systems in Cape Coral is the LeeTran, which is a transit bus station throughout LeeCounty. Below are the prices for LeeTran.

  • One-Time Pass — $1.50
  •  All Day Pass — $4
  • Seven-Day Pass — $15
  • 31-Day Pass — $40

You also have the option of buying a 12-trip pass. There also discounts for seniors (age 65+) and full-time students. Children under 42 inches get to ride the LeeTran for free.

Currently, there isn’t a public train system, but Lee County is considering building one.

– Alternate Transportation

Currently, Cape Coral doesn’t offer scooter and bike rental systems like Lime or Bird. Because these rental companies are beginning to become available in other parts of Florida, though, they may eventually expand to Cape Coral.

If you do want a bike or scooter, there may be a local rental shop.

– Parking in Metro Areas

Parking in cities can be frustrating. Between the heavier traffic and limited spots, it can be a daunting task for even the most experienced driver.

The good news is that Cape Coral has free parking. If you are planning on visiting the Cape Coral beach, you won’t have to bring spare change with you.

There are also parking garages you can use around the city, which can sometimes be free (usually with a time limit).

Just remember that you can’t park on the median or sidewalk no matter how packed the street or you will face fines.

As for electric vehicles, there are 23 charging stations within 15km of Cape Coral, with only one station situated directly in Cape Coral.

If you are looking for satellite parking, this is most often offered at airports and hotels. The nearest airport to Cape Coral is in Fort Myers, which means satellite parking for airports is not in Cape Coral.

– Air Quality in Cape Coral

Air quality is more important than most people think. Bad air quality can have a serious negative effect on people’s health, and cars, trucks, and buses are major contributors to air pollution.

To see how the air quality in Cape Coral is faring, we are going to take a look at some data from the Environmental Protection Agency’s (EPA) study on air quality.

Lee County Air Quality Index 2016 2017 2018
Days with AQI 366 363 365
Good Days 324 325 321
Days Moderate 41 38 43
Days Unhealthy for Sensitive Groups 1 0 1
Days Unhealthy 0 0 0
Days Very Unhealthy 0 0 0

Cape Coral has mostly good and moderate days, which is great. In three years, there were only two days that were considered unhealthy for those sensitive to air pollution.

Military/Veterans

Paying for car insurance is expensive. Sometimes, that monthly bill can make you do a double take. The good news is that if you are military personnel or a veteran, you may be eligible for car insurance discounts.

To help you understand what rates you should be getting, we are going to go through everything you need to know about the military in Cape Coral and how to save money on car insurance.

Keep scrolling to learn about Cape Coral veterans, military bases, and car insurance.

– Veterans by Service Period

In Cape Coral, the greatest number of veterans served in Vietnam.

Cape Coral Veterans

As of 2017, there were 5,184 people living in Cape Coral who served in Vietnam. The second highest number of veterans in Cape Coral is Gulf War veterans (1,831 people).

– Military Bases Within an Hour

There are no military bases within an hour of Cape Coral. The closest one to Cape Coral is MacDill AFB Base Guide, which is about six hours away.

MacDill AFB Base Guide is a tactical air command training base and has been around since 1941.

While there are no military bases around Cape Coral, Florida does have numerous military bases throughout the state.

– Military Discounts by Providers

Most providers will over discounts to military personnel or veterans. Below, we have included a list of insurers who offer military discounts.

Insurance Company Percentage Saved with Discount
Farmers NA
Geico 15%
Liberty Mutual (must be active duty) 4%
MetLife 15%
Safeco NA
USAA* NA

*USAA also offers a military garaging discount. 

If you are military personnel or a veteran, make sure to ask your provider if they have a discount for you.

– USAA Available in Florida

USAA has made a name for itself by providing affordable car insurance for military personnel and their families. Often, USAA has the lowest rates out of all the providers available.

Below is USAA’s rates compared to insurer competitors in Florida.

Group Annual Premium Compared to State Average (+/-) Compared to State Average (%)
Allstate $7,440.46 $2,760.00 37.09%
Progressive $5,583.30 $902.84 16.17%
Liberty Mutual $5,368.15 $687.69 12.81%
Nationwide $4,339.60 -$340.86 -7.85%
Geico $3,783.63 -$896.83 -23.70%
State Farm $3,397.67 -$1,282.79 -37.75%
USAA $2,850.41 -$1,830.05 -64.20%

USAA is almost 65 percent cheaper than the Florida state average, which is significantly cheaper. While other companies also have lower rates, they are still higher than USAA’s.

Unique Cape Coral Laws

Every city has its own unique laws about driving. If you are new to Cape Coral or simply looking to for unique laws (such as parking a food truck), we will cover it all here.

After all, knowing your city’s laws will help prevent you from getting a ticket.

So let’s jump right into everything from cellphone laws to parking laws.

– Hands-Free Law

Florida has a general hands-free law that prohibits texting while driving for ALL drivers. The enforcement is secondary, meaning that law enforcement has to have another reason to pull you over besides texting on your phone.

Texting doesn’t just mean sending a text — it’s also includes anything that requires entering a lot of text, such as sending an email.

If you drive distracted in Cape Coral because of texting, you will likely receive a ticket. In fact, most car insurance rates are increasing because most U.S. drivers drive distracted.

– Food Trucks

If you want to operate a food truck in Cape Coral, you will need to get the proper permits and follow food safety regulations. You will need a food establishment license (which extends to food trucks) to operate in Lee County.

You will also need to pass food safety inspections periodically. Another important part of owning a food truck is parking in the right areas.

Obviously, you can’t park your food truck on medians and sidewalks, but you also need to stay clear of intersections and other prohibited parking areas.

– Tiny Home

Tiny homes have become all the rage in the 21st century. Not only do they allow people to own their home outright, but their small nature forces people to cut down on clutter and reduces living expenses.

If you own a tiny home, you will need to follow the same rules as mobile homes when parking your tiny home. This means that most tiny homes will end up parked in mobile home parks.

If you are parked in a flood zone, you will also need to make sure your tiny home is raised off the ground. You may also need to purchase a septic permit and show proof of private water access to a utility company if parking on private land (such as a backyard).

– Parking Laws

Parking laws are fairly simple, as they are the same in Cape Coral as in any Florida city. One important law is that you must make sure you aren’t facing the wrong direction when parking on the street.

If you whip into a parallel parking spot on the other side of the street and are facing a different direction than the other cars, law enforcement will know that you drove on the wrong side of the road to park.

Parking in the wrong direction will likely result in a ticket, especially since you have to pull out into opposing, oncoming traffic when you leave.

Because the majority of parking in Cape Coral is free, though, there isn’t the option to reserve spots at most parking garages.

Cape Coral Car Insurance FAQs

Still have questions about driving in Cape Coral and its attractions? A new city can seem overwhelming at first, and make navigating its streets a headache.

The good news is that we will answer some frequently asked questions to help guide you through some remaining information about Cape Coral.

So keep reading to see what moving to and driving in Cape Coral is like.

Is Cape Coral bridge a toll road? — The main bridge in Cape Coral does require a toll, which is why many residents opt to have a prepaid LeeWay toll transponder.

What beaches are near Cape Coral? — Part of the attraction of moving to Cape Coral is the nearby beaches. Closeby beaches include Fort Myers Beach Pier, Lovers Key, and Cape Coral’s Yacht Club beach.

What happens if I’m in a car accident in Cape Coral? — Florida is a no-fault state, meaning YOU will be responsible for paying off the accident costs (not the person who caused the accident).

What car insurance coverage do I need? — While it’s always best to have a full, high coverage plan, the minimum coverage Florida requires is Personal Injury Protection (PIP). PIP will cover your medical costs after an accident, but it will NOT cover damage cost to your property.

Are there places for boat driving? — If you live in Cape Coral, the likelihood is that you will someday own a boat (if you don’t already). Cape Coral has multiple canals throughout the city, making accessibility to a waterway easy. In fact, Cape Coral has more canals than Venice, Italy.

Now that you’ve made it through our guide of Cape Coral, you are ready to venture out on Cape Coral’s beautiful sandy beaches and waterways.

Enter your zip code in our FREE online tool below to start comparison shopping today.

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