Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The annual number of car thefts in New Port Richey is 32.
  • The cheapest car insurance company in New Port Richey after a DUI is State Farm
  • Average car insurance rates in New Port Richey, FL for senior drivers are $3,210/year

Average car insurance rates in New Port Richey, Florida are $445 a month. But with a little research you can get a great deal from the top car insurance companies in New Port Richey, FL. Before you buy New Port Richey, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare New Port Richey car insurance rates with Miami car insurance rates, Tallahassee car insurance rates, or Jacksonville car insurance rates to make sure you’re getting the best New Port Richey, FL car insurance quotes available.

Need affordable New Port Richey, FL car insurance? Enter your ZIP code to compare New Port Richey car insurance quotes from multiple car insurance companies near you.

New Port Richey, FL Minimum Car Insurance Coverage

New Port Richey, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in New Port Richey, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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New Port Richey, FL Car Insurance Rates by Coverage Level

Some New Port Richey drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your New Port Richey, Florida car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in New Port Richey, Florida

Insurance Company Low Medium High
Allstate $6,395 $9,263 $10,544
GEICO $3,677 $4,809 $5,409
Liberty Mutual $5,521 $6,169 $6,489
Nationwide $3,747 $5,071 $5,770
Progressive $4,851 $6,296 $7,208
State Farm $3,038 $3,696 $4,067
USAA $2,811 $3,479 $3,733

New Port Richey, FL Car Insurance Rates by Age, Gender, and Marital Status

New Port Richey, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy New Port Richey, FL car insurance, get quotes from multiple car insurance companies in the New Port Richey area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in New Port Richey, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,281 $5,086 $4,645 $4,735 $18,855 $20,712 $5,241 $5,318
GEICO $3,673 $3,691 $3,431 $3,431 $6,529 $8,153 $4,045 $4,099
Liberty Mutual $4,150 $4,150 $3,790 $3,790 $8,929 $13,837 $4,150 $5,682
Nationwide $3,388 $3,344 $3,020 $3,125 $8,239 $10,157 $3,737 $3,891
Progressive $4,134 $3,853 $3,524 $3,776 $11,616 $12,517 $4,930 $4,595
State Farm $2,247 $2,247 $2,037 $2,037 $6,607 $8,452 $2,502 $2,673
USAA $1,918 $1,883 $1,808 $1,784 $6,681 $7,685 $2,394 $2,575

New Port Richey, FL Car Insurance Rates for Teens

How much is New Port Richey, Florida car insurance for teens? Compare rates from top New Port Richey car insurance companies below to help find the cheapest teen car insurance in New Port Richey, FL.

Annual Car Insurance Rates for Teen Drivers in New Port Richey, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $18,855 $20,712
GEICO $6,529 $8,153
Liberty Mutual $8,929 $13,837
Nationwide $8,239 $10,157
Progressive $11,616 $12,517
State Farm $6,607 $8,452
USAA $6,681 $7,685

New Port Richey, FL Car Insurance Rates for Seniors

Before seniors buy New Port Richey, Florida car insurance, they should make sure to shop around. Some New Port Richey, FL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in New Port Richey, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,645 $4,735
GEICO $3,431 $3,431
Liberty Mutual $3,790 $3,790
Nationwide $3,020 $3,125
Progressive $3,524 $3,776
State Farm $2,037 $2,037
USAA $1,808 $1,784

New Port Richey, FL Car Insurance Rates by Credit History

How does your credit history affect New Port Richey, FL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in New Port Richey, Florida

Insurance Company Poor Fair Good
Allstate $12,232 $7,724 $6,247
GEICO $6,741 $4,084 $3,070
Liberty Mutual $7,849 $5,721 $4,609
Nationwide $6,089 $4,464 $4,035
Progressive $7,974 $5,673 $4,708
State Farm $4,932 $3,227 $2,642
USAA $5,434 $2,662 $1,927

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New Port Richey, FL Car Insurance Rates by Driver History

How does a single speeding ticket affect your New Port Richey, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in New Port Richey.

Annual New Port Richey, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,500 $9,020 $10,063 $8,354
GEICO $3,225 $4,123 $6,138 $5,039
Liberty Mutual $4,282 $5,650 $8,346 $5,961
Nationwide $4,139 $4,550 $6,155 $4,606
Progressive $4,852 $7,122 $6,030 $6,469
State Farm $3,290 $3,911 $3,600 $3,600
USAA $2,607 $3,232 $4,788 $2,737

New Port Richey, FL Car Insurance Rates With a DUI

Even a single DUI can increase your New Port Richey, FL car insurance rates. Compare rates below to see which New Port Richey car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in New Port Richey, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,063
GEICO $6,138
Liberty Mutual $8,346
Nationwide $6,155
Progressive $6,030
State Farm $3,600
USAA $4,788

New Port Richey, FL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your New Port Richey, FL car insurance rates may be. Let’s take a look at average car insurance rates from top New Port Richey companies based on commute time.

Annual Car Insurance Rates by Commute Length in New Port Richey, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,482 $8,986
GEICO $4,609 $4,654
Liberty Mutual $5,859 $6,261
Nationwide $4,863 $4,863
Progressive $6,118 $6,118
State Farm $3,475 $3,726
USAA $3,303 $3,379

New Port Richey, FL Cheapest Car Insurance Rates

How do the top New Port Richey, Florida car insurance companies’ average rates stack up against the New Port Richey average monthly car insurance rates of $445? Take a look and see.

Best Annual Car Insurance Rates by Company in New Port Richey, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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New Port Richey, FL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top New Port Richey, Florida car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in New Port Richey, Florida

Insurance Company Average Annual Rates
Allstate $8,734
GEICO $4,631
Liberty Mutual $6,060
Nationwide $4,863
Progressive $6,118
State Farm $3,600
USAA $3,341

Other Factors Affecting New Port Richey, FL Car Insurance Rates

Before you buy New Port Richey, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

New Port Richey, FL Car Theft Rates

The car theft rate in New Port Richey, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for New Port Richey, Florida is 32 stolen cars.

New Port Richey, FL Commute Time

How does your New Port Richey, FL commute time compare with the average driver? In New Port Richey, the average commute is 30.1 minutes.

New Port Richey, FL Traffic

Spending time in New Port Richey traffic can lead to higher car insurance rates. According to INRIX data, New Port Richey, FL ranks as the 694th-most congested with traffic in the world.

New Port Richey, FL Car Insurance Quotes

Compare New Port Richey, FL car insurance quotes from multiple companies by entering your ZIP code now.