Cheapest Car Insurance Quotes in New Port Richey

Finding the cheapest car insurance quotes in New Port Richey shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

New Port Richey Car Insurance

^$ 25

/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 $1873 for a six-month policy, which is $272 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1196, 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

$1873

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in New Port Richey

1st place: Travelers

At $1196 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 $1272 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1480 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 $1196 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1272.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1119 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	$1196	$201
State Farm	$1272	$214
Nationwide	$1480	$249
United Automobile Ins Group	$1598	$267
Progressive	$1668	$281
UAIC	$1668	$278
MetLife	$1759	$300
Farmers	$2794	$466
Mercury	$3016	$512
Allstate	$3037	$511
Metropolitan Group	$1119	$186

Key Takeaways

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

The auto insurance costs in New Port Richey fall around $1196 for six months.
The cheapest auto insurance company in New Port Richey is Patrons Insurance.
Teen drivers pay the highest rate in New Port Richey at $1616 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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.

Patrons Insurance provides the cheapest minimum car insurance coverage in New Port Richey. Their Average 6 Month Premium is $146. Metropolitan Group is the most expensive at $445 for the same period.

Cheapest Liability Coverage in New Port Richey, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$146	$25
Travelers	$445	$75
State Farm	$473	$80
Mercury	$501	$84
Nationwide	$556	$95
Farmers	$771	$129
AIG	$785	$133
Progressive	$820	$138
United Automobile Ins Group	$841	$143
UAIC	$910	$152
Allstate	$1049	$177
Metropolitan Group	$445	$74

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 $201 per month and $1196 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1196	$201
State Farm	$1272	$214
Nationwide	$1480	$249
United Automobile Ins Group	$1598	$267
Progressive	$1668	$281
UAIC	$1668	$278
MetLife	$1759	$300
Farmers	$2794	$466
Mercury	$3016	$512
Allstate	$3037	$511
Metropolitan Group	$1119	$186

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in New Port Richey Instantly!

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1517
40s	Travelers	$1145
50s	Travelers	$1068
60s	Travelers	$1053

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	$1939	$326
State Farm	$2551	$429
UAIC	$3794	$633
United Automobile Ins Group	$3941	$670
Allstate	$5976	$1006
Mercury	$7408	$1247
Progressive	$7916	$1333
Farmers	$9500	$1616

Teen Car Insurance Rates in FL by Age

Way Tip

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

As young drivers face the highest rates in New Port Richey, Travelers offers the cheapest auto insurance rates at $1517 for six months.

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 Allstate, offering rates of around $6075 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$757	$129
Mercury	$827	$138
Direct General Insurance	$862	$146
Travelers	$1640	$276
UAIC	$1668	$283
Progressive	$3225	$537
Farmers	$3865	$658
State Farm	$5789	$965
Allstate	$6075	$1033

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in New Port Richey.

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. National General is an expensive provider with an average six-month premium of $1237.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$799	$133
AIG	$1021	$173
Travelers	$1154	$194
State Farm	$1189	$200
United Automobile Ins Group	$2078	$346
Mercury	$2147	$362
UAIC	$2175	$363
Progressive	$2849	$480
Farmers	$3898	$649
Allstate	$5274	$888
National General	$1237	$211

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

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 $931 with companies like National General.

New Port Richey car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$751	$125
Travelers	$1196	$201
State Farm	$1452	$245
Progressive	$1466	$247
Allstate	$2669	$449
UAIC	$2940	$500
Farmers	$3177	$529
National General	$931	$156

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	$111
State Farm	$841	$142
Travelers	$1007	$170
UAIC	$1668	$278
Allstate	$1912	$322
Progressive	$2759	$460
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 remained steady at $323 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the New Port Richey remained steady at $98 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

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 $2510 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	$2510	$421
34654	$2210	$371
34653	$2397	$402
34652	$2229	$374

Frequently Asked Questions

How much is car insurance in New Port Richey?

The car insurance in New Port Richey is $25 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 $201 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 $1601 for a six-month policy. It will cost around $315 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 Travelers 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)

Featured Blogs

Data Sources