New Port Richey, FL Car Insurance

On average, drivers in New Port Richey pay around $131 per month for their car insurance. Check out our guide below to find out how much you'll pay.
What rates can residents of New Port Richey expect to pay for their car insurance? Compared to their surrounding area, how do rates in New Port Richey stack up? What about against the rest of Florida? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in New Port Richey?

Area Average Monthly Car Insurance Premium
New Port Richey$131
FL$123
United States$81

Car insurance policies in New Port Richey are about $8 a month more expensive than the rest of Florida.

Drivers relocating the New Port Richey should take note of the differences in average rates. The average monthly payment in New Port Richey is about $50 more expensive than the rate for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for New Port Richey residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$249
18-24$168
25-34$146
35-44$131
45-54$110
55-64$101
65+$109

It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in New Port Richey may see their rates creep back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$132
Female$130

On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a bit less than male drivers on their monthly auto insurance coverage, the difference in New Port Richey is only about $2 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$154
Multiple Accidents$199
1 Ticket$132
Multiple Tickets$203

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay less than those with infractions. The rate for drivers in New Port Richey with a single accident on their record is about $154 a month. In addition, drivers with one ticket can expect to pay around $132 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$125
2-3 Years$114
4-5 Years$123
6-7 Years$117
8-10 Years$119
11-14 Years$145
15 Years or Older$132

The most affordable vehicles to insure in New Port Richey are by and large trucks and vans, which run about $115 per month.

Car owners will see a monthly rate of about $138, while SUV owners typically pay around $126 per month.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In New Port Richey, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$134
Married$120
Divorced$123
Widowed$119

More often than not, those who are currently married will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in New Port Richey can be as much as $14 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$116
Rent$138
Live with parents$183

Another factor that comes into play is your living accommodations. Renters can expect to pay around $22 a month more than those who own their own home in New Port Richey. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in New Port Richey, FL

Recent trends in car insurance for New Port Richey drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

In New Port Richey, the rates for auto insurance declined from 2017-2019, where they reached a low of $121, before leveling out in 2020. Since 2021, policy premiums have once again been decreasing and hit $85 in 2022.

How does New Port Richey compare to neighboring areas?

Why are car insurance rates in New Port Richey different from other areas?

Car insurance companies will take into account several factors when they're figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Frequency of car accidents
  • Area laws
  • Amount of off-street parking
  • Regional crime rates
  • Total number of drivers in the region

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in New Port Richey?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies that offer policies in New Port Richey.

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New Port Richey Insurance FAQs

What factors affect car insurance quotes in New Port Richey?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.

Why is the cost of car insurance in New Port Richey different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in New Port Richey?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to New Port Richey?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to New Port Richey or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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