Naples isn’t an average Florida market — and your auto insurance shouldn’t be average either.
Naples is one of the most affluent communities in the United States, with a median household income exceeding $153,000 and a population of approximately 21,000 inside city limits. The broader Naples-Marco Island metro area in Collier County extends that reach considerably.
Naples isn't an average Florida market — and your auto insurance shouldn't be average either. Naples is one of the most affluent communities in the United States, with a median household income exceeding $153,000 and a population of approximately 21,000 inside city limits. The broader Naples-Marco Island metro area in Collier County extends that reach considerably. The vehicles on Naples roads reflect the demographics: newer luxury sedans, high-end SUVs, specialty sports cars, and collector vehicles. Insuring those vehicles at standard-market rates leaves money on the table — or worse, leaves coverage gaps that turn a fender bender into a five-figure problem. Average full coverage rates in Naples run approximately $2,324 per year — roughly $470 less than the Florida state average, partly due to the area's older, more experienced driver base. But those averages mask wide variation depending on vehicle value, coverage selections, and carrier choice. Goodlad & Swank serves Naples from our Lee County headquarters, with access to dozens of carriers writing policies across both Lee and Collier Counties.
Higher vehicle values. Naples drivers own some of the most expensive vehicles in Southwest Florida. Higher vehicle values mean higher repair and replacement costs, which directly impact collision and comprehensive premiums. Carrier selection matters more here than in most markets — rate differences between carriers for the same vehicle can exceed $1,000 per year.
Seasonal population. Naples’ population surges between November and April with seasonal residents. That surge increases traffic density, particularly along US-41, Airport-Pulling Road, and Pine Ridge Road. More drivers, more congestion, more accidents — and more claims.
Coastal flood and storm risk. Naples sits in a Tier 1 hurricane evacuation zone. Storm surge, wind damage, and flooding pose meaningful risks to vehicles — especially those parked in low-lying areas or near the coast. Comprehensive coverage is the only way to protect against weather-related vehicle damage.
Vehicle theft. Collier County has experienced higher-than-average vehicle theft rates relative to its population size. Comprehensive coverage protects against theft, and anti-theft vehicle features can qualify you for premium discounts.
Florida’s $10,000 PIP and $10,000 PDL minimums were designed for a different market. Naples drivers should carry:
Bodily Injury Liability — with the value of vehicles and assets at stake in Collier County, higher BIL limits are a practical necessity
Uninsured/Underinsured Motorist Coverage — protects you from Florida’s high uninsured driver population, regardless of where the accident occurs
Comprehensive Coverage — coastal storms, vehicle theft, and falling tree debris are not hypothetical risks in Naples
Collision Coverage — luxury and specialty vehicles carry higher repair costs; collision coverage absorbs those costs
Rental Reimbursement — Naples is car-dependent; being without a vehicle creates immediate lifestyle disruption
If you own a classic car, collector vehicle, or specialty automobile, standard auto insurance will not properly protect it. Goodlad & Swank works with carriers that offer agreed-value policies — coverage that pays the full agreed-upon value of the vehicle, not a depreciated market estimate.
→ Learn more about classic car insurance
We search every carrier we represent for applicable discounts:
Good driving record
Multi-car policies (common in Naples households with multiple vehicles)
Multi-policy bundling (auto + homeowners or condo insurance)
Drivers over 50
Safe vehicle features (anti-theft systems, advanced driver assist)
Seasonal driver status
Defensive driving course completion
We’re not the insurance company. We’re your agent — and that distinction matters.
Independent, not captive. A captive agent sells one company’s products. We represent dozens of carriers, which means we can shop the entire market and find the policy that actually fits your situation.
Local, not remote. Our office is at 702 Leeland Heights Blvd W in Lehigh Acres. We serve Lee and Collier Counties — Lehigh Acres, Fort Myers, Cape Coral, Bonita Springs, Estero, and Naples. You’re not a policy number. You’re a neighbor.
Family-owned since 2009. Butch Swank built this agency on one idea: change the way people feel about their insurance agency. Our team — Butch, Stephanie, Mary, and the rest — treats every client like family, because that’s how this business should work.
Community-rooted. Butch serves on the Board of Lehigh Regional Medical Center, co-founded the East Lee Education Cooperative, and established the Watch D.O.G.S. program at Lehigh Elementary. Mary sits on the Board for Lehigh Community Services. We don’t just work here — we live here.
We insure primary homes, secondary and seasonal homes, condo units, as well as property you own and rent to others.
We provide coverage for cars, motorcycles, motor homes and recreational vehicles. We provide the best price and coverage.
Our business is protecting your business from the risks you face everyday, whether your business is large or small.
At Goodlad & Swank, we are proud to offer a full suite of insurance options.
Find out your risk and get protected. We offer coverage through the National Flood Insurance Program as well as private insurance carriers.
Whether life insurance is needed for your family or your business we can help you find the right policy at the best possible price.
Your property’s risk of damage from a hurricane in Florida is elevated. If the past has taught us anything, it’s to be prepared.
If you are a renter, you should have renters insurance. You will get the coverage you need at a price that fits your budget.
We not only help clients prepare for the unknown. We also provide various resources to understanding Florida’s Insurance options. Through our partnerships with top rated insurance companies, our affiliations and community resources, we can help you navigate through the insurance world.
Don’t just take our word for it. We’re proud to be able to serve our customers.
This is an amazing company to do business with. I have several properties and slowly I have changed all properties to be with Goodlad & Swank Insurance.
Fast, courteous, professional service with comparable rates. What else do you need?
