Cheapest Car Insurance Quotes in New Port Richey

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New Port Richey Car Insurance

^$ 84

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in New Port Richey

The car insurance rate in New Port Richey is $2002 for a six-month policy, which is $291 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1265, making it a popular choice for budget-conscious drivers. Rates in New Port Richey can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in New Port Richey

$2002

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in New Port Richey

1st place: Travelers

At $1265 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1321 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1383 for six months, making it the third cheapest auto insurance company in New Port Richey.

New Port Richey Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Port Richey, FL is Travelers, offering policies at just $1265 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1321.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2794 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Port Richey drivers find the best deals.

Cheap Car Insurance Companies in New Port Richey, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1265	$213
State Farm	$1321	$222
Nationwide	$1383	$233
United Automobile Ins Group	$1598	$271
UAIC	$1766	$297
Progressive	$2085	$351
Mercury	$3016	$503
Allstate	$3037	$511
MetLife	$1759	$300
Farmers	$2794	$466

Key Takeaways

Way's key takeaways about car insurance in New Port Richey

The auto insurance costs in New Port Richey fall around $1265 for six months.
The cheapest auto insurance company in New Port Richey is Mercury.
Teen drivers pay the highest rate in New Port Richey at $1616 per month.

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Cheapest Minimum Liability Car Insurance in New Port Richey

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in New Port Richey are given below.

Mercury provides the cheapest minimum car insurance coverage in New Port Richey. Their Average 6 Month Premium is $501. Farmers is the most expensive at $771 for the same period.

Cheapest Liability Coverage in New Port Richey, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$501	$84
Nationwide	$556	$95
MetLife	$584	$97
AIG	$653	$111
United Automobile Ins Group	$841	$140
Travelers	$973	$164
State Farm	$1439	$242
Progressive	$2404	$405
Allstate	$2697	$454
UAIC	$3148	$536
Patrons Insurance	$146	$25
Farmers	$771	$129

Cheapest Full Coverage Car Insurance in New Port Richey

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in New Port Richey is Travelers at $213 per month and $1265 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Port Richey, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1265	$213
State Farm	$1321	$222
Nationwide	$1383	$233
United Automobile Ins Group	$1598	$271
UAIC	$1766	$297
Progressive	$2085	$351
Mercury	$3016	$503
Allstate	$3037	$511
MetLife	$1759	$300
Farmers	$2794	$466

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Average Car Insurance in New Port Richey by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in New Port Richey, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in New Port Richey, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, New Port Richey's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in New Port Richey

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in New Port Richey,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the New Port Richey at $105 per month. At $9500 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$633	$105
AIG	$855	$145
Travelers	$2286	$385
State Farm	$2822	$475
United Automobile Ins Group	$3941	$656
UAIC	$4038	$687
Allstate	$6004	$1011
Mercury	$7408	$1247
Progressive	$10890	$1833
Farmers	$9500	$1616

Teen Car Insurance Rates in FL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in New Port Richey, Nationwide is the cheapest car insurance provider. At $757 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in New Port Richey is Farmers, offering rates of around $3865 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$757	$129
Mercury	$827	$138
Direct General Insurance	$862	$146
UAIC	$1773	$295
Travelers	$2099	$353
Progressive	$5609	$935
Allstate	$6004	$1021
State Farm	$7520	$1253
Farmers	$3865	$658

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Car Insurance Rates with An Accident in New Port Richey

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In New Port Richey, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in New Port Richey

The cheapest car insurance companies after an at-fault accident in New Port Richey include Nationwide and AIG, offering $799 and $1021, respectively. Farmers is an expensive provider with an average six-month premium of $3898.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$799	$133
AIG	$1021	$173
State Farm	$1293	$218
Travelers	$1314	$221
United Automobile Ins Group	$2078	$346
Mercury	$2147	$362
UAIC	$2321	$387
Progressive	$3829	$645
Allstate	$5309	$894
Farmers	$3898	$649

New Port Richey Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Port Richey FL. For example, the car insurance in New Port Richey after a DUI increases to $1098 for a six month policy. While the rate increases by $334 for a six-month policy in the case of a speeding ticket.

New Port Richey auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2134	$356
One Med/PIP claim	$2134	$363
Not-at-fault accident	$2307	$385
Two Med/PIP claims	$2370	$402
One comp claim	$2404	$401
Child safety restraint	$2411	$410
Failure to wear a seat belt	$2411	$402
Driving without lights	$2418	$411
Failure to show documents	$2418	$404
Speeding 6 - 10 MPH over limit	$2468	$420
Improper passing	$2475	$412
Passing school bus	$2475	$421
Wrong way/wrong lane	$2475	$412
Failure to stop at a red light	$2482	$422
Failure to yield	$2482	$413
Illegal turn	$2482	$422
Cell phone violation	$2489	$414
Driving with expired registration	$2489	$424
Following too closely	$2489	$414
Texting while driving	$2494	$425
Two comp claims	$2551	$425
Driving too slowly	$2565	$436
Speeding in school zone	$2565	$427
Speeding 11 - 15 MPH over limit	$2572	$438
In 65 MPH zone	$2662	$443
Speeding 16 - 20 MPH over limit	$2662	$453
Speeding 21 - 25 MPH over limit	$2676	$446
Open container	$2704	$460
Operating a vehicle without permission	$2704	$450
At-fault accident - less than $1000	$2933	$498
At-fault accident - $1000-$2000	$2981	$497
At-fault accident - greater than $2000	$2981	$507
Racing	$3225	$537
DUI	$3232	$550
Refusal to submit to a chemical test	$3232	$538
Driving with a suspended license	$3288	$559
Reckless driving	$3357	$559
Leaving scene of an accident/hit and run	$3392	$577

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in New Port Richey after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in New Port Richey.

The cheapest car insurance premiums in New Port Richey are offered by AIG at $751 for a six-month policy. However, it can be as expensive as $3177 with companies like Farmers.

New Port Richey car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$751	$128
Travelers	$1439	$242
State Farm	$1787	$301
Progressive	$1981	$333
Allstate	$2683	$452
UAIC	$3148	$524
Farmers	$3177	$529

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in New Port Richey are offered by Nationwide at $653. However, it can be as expensive as $3392 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in New Port Richey after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$653	$109
State Farm	$1042	$176
Travelers	$1286	$216
UAIC	$1773	$302
Allstate	$1918	$323
Progressive	$4503	$765
Farmers	$3392	$577

Car Insurance Price Trends in New Port Richey, Florida

Car insurance rates in New Port Richey have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the New Port Richey rose by $331 in March compared to $300 of February. In other words, there has been an increase by $31 when you compare March and February.

The average cost of liability insurance in the New Port Richey rose to $225 in March, compared to $97 in February. This represents an increase of $128 when comparing March and February.

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Average Car Insurance Cost in New Port Richey by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the New Port Richey. At $2682 for a six-month policy, insuring your car at 34655 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
34655	$2682	$449
34654	$2362	$396
34653	$2562	$429
34652	$2382	$399

Frequently Asked Questions

How much is car insurance in New Port Richey?

The car insurance in New Port Richey is $84 per month, which is lower than the national average.

What is the cheapest car insurance in New Port Richey?

The cheapest car insurance in New Port Richey is $213 per month for full coverage.

How much is car insurance in New Port Richey for teenagers?

Car insurance for teenagers costs $633 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in New Port Richey?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $336 per month to insure your car in New Port Richey.

Is car insurance expensive in New Port Richey?

Car insurance can be expensive in New Port Richey if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in New Port Richey can be affordable.

Cheapest Car Insurance Quotes in New Port Richey

Why you can trust Way?

How Much Is Car Insurance in New Port Richey

Avg. Car Insurance in New Port Richey

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in New Port Richey

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

New Port Richey Car Insurance Rates by Company

Cheap Car Insurance Companies in New Port Richey, FL

Way's key takeaways about car insurance in New Port Richey

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Port Richey

Cheapest Liability Coverage in New Port Richey, FL

Cheapest Full Coverage Car Insurance in New Port Richey

Cheapest Full Coverage Car Insurance Quotes in New Port Richey, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Port Richey by Rating Factor

I have a clean driving record. Why is my car insurance rate here in New Port Richey, FL increasing?

Car Insurance Premiums by Age in New Port Richey

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Port Richey,FL

If you are in your twenties N/A is the best choice for car insurance in New Port Richey.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in New Port Richey

Cheapest Car Insurance Companies after an At-Fault Accident in New Port Richey

New Port Richey Car Insurance Rates by Violation

New Port Richey auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Port Richey after a DUI

New Port Richey car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Port Richey after Speeding ticket

Car Insurance Price Trends in New Port Richey, Florida

Average Car Insurance Cost in New Port Richey by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Port Richey, FL

Car Insurance Rates by State in the USA (2025 Update)

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