North Port, FL Car Insurance

The average cost for car insurance in North Port is about $97 a month. To learn more about policy rates and coverage in the North Port area, continue reading our guide below.
How much can residents of North Port expect to pay for their car insurance? How do rates in North Port measure up compared to neighboring areas, including Florida as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in North Port?

Area Average Monthly Car Insurance Premium
North Port$97
FL$123
United States$81

Based on the chart above, you can see that it's about $26 a month cheaper to insure your vehicle in North Port than it is in the rest of Florida.

The average cost of insuring your vehicle in North Port is above the national rate. The average monthly payment in North Port is about $16 more expensive than the rate for the rest of the U.S.

Bear in mind that while these rates represent the expected monthly payments for North Port drivers, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

Don't sweat it however, we've broken down average rates for North Port residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$136
25-34$95
35-44$110
45-54Not Enough Data
55-64$68
65+$80

It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates start to rise again in North Port.

Average Car Insurance Rates by Gender

Gender Average
Male$98
Female$97

On average, female drivers pay slightly less for car insurance than their male counterparts. In North Port, although women do pay slightly less on their monthly auto insurance coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$114
Multiple Accidents$170
1 Ticket$70
Multiple Tickets$173

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In North Port, having a single accident on your record will usually get you rates around $114 a month. In addition, drivers with a single ticket on their record can expect to pay around $70 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$94
2-3 Years$69
4-5 Years$72
6-7 Years$131
8-10 Years$105
11-14 Years$112
15 Years or Older$89

The most affordable vehicles to insure in North Port are usually trucks and vans, which run about $79 per month.

Car owners will see a monthly rate of about $101, while SUV owners by and large pay around $98 per month.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In North Port, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$104
Married$82
Divorced$77
Widowed$80

More often than not, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, single drivers typically pay more than married couples do for auto insurance. North Port is no exception, with the difference totaling to around $22 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$83
Rent$106
Live with parents$117

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $23 a month more than drivers who own property in North Port. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in North Port, FL

Recent trends in car insurance for North Port 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 deciding when and where to shop.

In North Port, car insurance rates had been decreasing from 2017-2020, before steadying out in 2021. Policy premiums finished down in 2022, at $48 a month

How does North Port compare to neighboring areas?

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

There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Off-street parking access
  • Crime
  • Regional laws
  • Amount of drivers
  • Number of car accidents

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in North Port?

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.

But wait! Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in North Port.

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North Port Insurance FAQs

What factors affect car insurance quotes in North Port?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.

Why is the cost of car insurance in North Port 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, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 North Port?

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. 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 North Port 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?

Find your best rate in just a few minutes