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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, car insurance rates in Port Richey are slightly less expensive than the rest of Florida.
That being said Port Richey residents will likely pay higher rates for their insurance policy than the rest of the country. You can expect to pay about $42 more for your policy in Port Richey.
Bear in mind that while these are the average car insurance rates for Port Richey, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down the average rates for Port Richey to help you understand what your monthly premium might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Port Richey Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates creep back up in Port Richey.
Port Richey Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. Male and female drivers in Port Richey, however, both pay around $122 a month for car insurance.
Port Richey Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Port Richey, drivers with one accident on their record will experience rates 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.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Port Richey Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$105|
|15 Years or Older||$117|
In Port Richey, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $114 per month for insurance coverage.
Car owners can expect to pay an average of around $127 a month for their policy, while truck and van drivers are usually around $119 to insure each month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Port Richey, the most expensive vehicles to insure are vehicles four-to-five years old.
Port Richey Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$124|
On average, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Port Richey is about $5 a month, with married couples paying less for coverage than single drivers.
Port Richey Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$145|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Port Richey. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
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 shopping for coverage.
The rates for auto insurance in Port Richey declined from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $117.
How does Port Richey compare to neighboring areas?
Why are car insurance rates in Port Richey different from other areas?
Car insurance companies look at several factors when they're figuring out how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Crime levels
- Access to off-street parking
- Total number of drivers
- Area regulations
- Rate of car accidents
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 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.
Luckily, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Port Richey.
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Port Richey Auto Insurance FAQs
What factors affect car insurance quotes in 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 vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Port Richey different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in 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 Port Richey?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Port Richey or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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