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How much is car insurance in New Port Richey?
|Area||Average Monthly Car Insurance Premium|
|New Port Richey||$132|
As you can tell from the chart above, the cost of coverage in New Port Richey is about $10 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 cost of insuring a vehicle in New Port Richey is about $52 more expensive than the average rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for New Port Richey, it isn't guaranteed that it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
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're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Drivers in New Port Richey may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In New Port Richey, although women do pay a little bit less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In New Port Richey, drivers with one accident on their record will experience rates around $159 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $165.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$121|
|15 Years or Older||$135|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in New Port Richey, with drivers paying around $112 per month for auto insurance.
Car owners can expect to pay an average of around $139 a month for their policy, while SUVs usually cost around $122 a month to insure.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink 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|
More often than not, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in New Port Richey can be as much as $7 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$183|
Another factor that comes into play is your living accommodations. Homeowners in New Port Richey can expect to pay around $14 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in New Port Richey, FL
Recent trends in car insurance for New Port Richey drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In New Port Richey, the rates for car insurance went up from 2016-2017, when they reached a high of $162. This shifted in 2018, when they began to decrease again. They finished down in 2021, at $108 a month
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 numerous factors when deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Total drivers
- Availability of off-street parking
- Road Safety (frequency of local car accidents)
- Rate of crime
- Regional regulations
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in New Port Richey?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in New Port Richey in no time.
New Port Richey Insurance FAQs
What factors affect car insurance quotes in New Port Richey?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in New Port Richey different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in New Port Richey?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to New Port Richey or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.