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How much is car insurance in Port Richey?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Port Richey as it does in the rest of Florida.
Compared to the national average cost of auto coverage, Port Richey has higher rates. It's around $42 more expensive to insure your vehicle in Port Richey compared to the average rate for the rest of the U.S.
These rates may be the average amount drivers in Port Richey pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But worry not, we've done the heavy lifting and broken down the average rate for Port Richey to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement age in Port Richey.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Port Richey, however, male and female drivers both pay, on average, $123 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Port Richey with one accident will pay around $173 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $171 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$105|
|15 Years or Older||$118|
According to the first table above, the cheapest vehicles to insure in Port Richey are usually SUVs, at $115 per month.
Truck and van drivers will see rates of about $120, while the rates for car owners average out to about $128 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Port Richey, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$125|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Port Richey, the difference in rates based on relationship status can be as much as $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$145|
Another factor taken into consideration is your housing status. Renters can expect to pay around $9 a month more than homeowners in Port Richey. 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 Port Richey, FL
Recent trends in car insurance for Port Richey drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Port Richey, the rates for auto insurance had been decreasing from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $130.
How does Port Richey compare to neighboring areas?
Why are car insurance rates in Port Richey different from other areas?
Car insurance companies will take into account many factors when choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Total number of drivers
- Regional laws
- Crime rates
- Availability of off-street parking
- Number of car accidents
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. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Port Richey?
While knowing 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.
But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Port Richey.
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Port Richey Insurance FAQs
What factors affect car insurance quotes in Port Richey?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 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 Port Richey?
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 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 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.
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