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How much is car insurance in New Port Richey?
|Area||Average Monthly Car Insurance Premium|
|New Port Richey||$131|
Auto insurance policies in New Port Richey are about $8 a month more expensive than the rest of Florida.
Likewise, New Port Richey residents should prepare to pay higher rates for coverage than the rest of the country. It's about $51 more for coverage in New Port Richey than in the rest of the U.S.
While these are the average car insurance rates for New Port Richey, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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.
We've analyzed the average rate for New Port Richey and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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New Port Richey Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may climb back up a bit in New Port Richey.
New Port Richey Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. While female drivers pay slightly less than male drivers on their monthly auto coverage, the difference in New Port Richey is only about $1 per month.
New Port Richey Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In New Port Richey, drivers with one accident on their record will experience rates around $153 a month. In addition, drivers with a single ticket on their record can expect to pay around $133 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
New Port Richey Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$125|
|15 Years or Older||$130|
The most affordable vehicles to insure in New Port Richey are by and large trucks and vans, which run about $114 per month.
Car owners can expect to pay an average of around $138 a month for their policy, while SUVs usually cost around $126 a month to insure.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. In New Port Richey, vehicles eleven-to-fourteen years old are the most expensive to insure.
New Port Richey Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$133|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. New Port Richey is no exception, with the difference totaling to around $13 a month.
New Port Richey Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$183|
Another factor taken into consideration is your housing situation. In New Port Richey, homeowners can expect to pay around $20 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in New Port Richey, FL
Recent trends in car insurance for New Port Richey drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The rates for auto insurance in New Port Richey had been decreasing from 2017-2019, before steadying out in 2020. Insurance rates dropped again recently, hitting a low of $107 in 2022.
How does New Port Richey compare to neighboring areas?
Why are car insurance rates in New Port Richey different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Road Safety (frequency of local car accidents)
- Area laws
- Total drivers
- Off-street parking access
- Area crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in New Port Richey?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in New Port Richey.
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New Port Richey Auto 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 gender and age, but also factors like your driving record, address, credit score, and marital status.
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 crime rates, parking situations, 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?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to New Port Richey or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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