New Port Richey Auto Insurance Rates, Quotes, Agents & Reviews in FL

New Port Richey, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in New Port Richey, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Save Up to $952 on Multi-Car Insurance in New Port Richey, FL

The average cost of auto insurance in New Port Richey, FL, is $1,830. This is much lower than the cost of auto insurance in neighboring places such as Holiday, Jasmine Estates, Beacon Square, Elfers, and River Ridge. Below is a list of discounts available to motorists in New Port Richey, FL.

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Anti-Theft Discounts:

Car insurers across Florida offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Driving Record:

Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

Driving violations can prove to be very expensive. The cost of auto insurance post-DUI increases to $2,864, from $1,830. Other violations that can prove to be expensive include driving with an expired license and speeding. The former leads to an increase of $1.233, while the latter leads to an increase of $448.

Hybrid and Electric Vehicles:

Auto insurance companies are lending a hand in the fight against increasing emission levels in the country. Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered to be environmentally friendly thanks to lower emission rates. In a few states, Farmers also offers a 5% discount to encourage environmentally prudent drivers. 

Bundling and Multi-Car Insurance:

Bundling is a standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. State Farm offers up to a 17% discount on multiple policies, while Progressive offers a discount of 5%. Also, Progressive offers a 10% discount if you are a homeowner.  To avail of this offer, it is not mandatory to have insured one’s home through Progressive’s network of home insurers.

Discounts are also offered if one covers multiple vehicles under the same insurer. GEICO, for instance, offers multi-vehicle discounts of up to 25%. 

The cost of insuring two vehicles using a multi-car insurance policy is $3,184, and the cost of insuring 4 vehicles under the same policy in New Port Richey is $6,368. Savings from multi-car insurance policies can range from $476 to $952. It depends on other factors such as the rate of deductible and the make and model of the car.

Factors that can influence the cost of car insurance in New Port Richey, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


New Port Richey, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in New Port Richey, FL with that of other cities in and around New Port Richey.

New Port Richey Holiday Jasmine Estates Beacon Square Elfers River Ridge
Average Insurance Rates $1,830 $2,032 $2,035 $2,031 $2,035 $2,142

New Port Richey, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around New Port Richey, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
New Port Richey $1,978 $1,670
New Port Richey East $1,912 $1,615
Elfers $1,894 $1,600
Trinity $1,556 $1,315
River Ridge $1,106 $934
Jasmine Estates $1,283 $1,084
Beacon Square $1,598 $1,349
Holiday $1,890 $1,596

New Port Richey, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in New Port Richey, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,938
20 Years $2,351
30 Years $1,811
40 Years $1,743
50 Years $1,614
60 Years $1,636
70 Years $1,904

New Port Richey, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in New Port Richey, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,184 $476
3 Vehicles $4,776 $714
4 Vehicles $6,368 $952

Savings on 2 Vehicles bundle:$476

Savings on 3 Vehicles bundle:$714

Savings on 4 Vehicles bundle:$952


New Port Richey, FL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around New Port Richey, FL.

Location Average Insurance Cost Post DUI Insurance Rate
New Port Richey $1,830 $2,864
New Port Richey East $2,051 $3,210
Elfers $2,035 $3,185
Trinity $2,260 $3,537
River Ridge $2,142 $3,352
Jasmine Estates $2,035 $3,185
Beacon Square $2,031 $3,179
Holiday $2,032 $3,180

New Port Richey, FL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,570
Excellent (740-799) $1,792
Good (670-739) $1,907
Average (580-669) $2,488
Poor (300-579) $2,985

New Port Richey, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$81 $1,911
Driver's Failure In Showing Documents +$178 $2,008
Driving With An Expired Registration +$188 $2,018
Driving At A Considerably Slow Pace +$397 $2,227
Using A Cellphone While Driving +$419 $2,249
Running A Red Light +$426 $2,256
Speeding +$448 $2,278
Driving A Vehicle Without The Required Permission +$569 $2,399
Driving With An Expired/Suspended License +$1,233 $3,063

New Port Richey, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,757
Active Disabling Device $1,757
Tracking Device $1,720
Passive Disabling Device $1,702

Latest Auto Insurance Reviews in New Port Richey, FL | Back to Top

Usaa
I haven't any accidents, so I'm in good shape there. I'm happy with the premium and deductible, because I know they will take care of me if something ever happened.
Progressive
I have not had to file a claim with my car insurance company, but my deductible is reasonably high so that I can save money in the long run as long as I continue to drive safely.
Progressive
I am very happy to recommend my car insurance company Progressive car insurance to other customers.They have the good customer service and customer follow ups than other companies.
Progressive
Progressive auto insurance offers the same policy coverage as other auto insurance I have had in the past but at a more competitive rate.I was able to qualify for a safe driver discount to help save me money.
Metlife
I pay about $3,000+ a year with a $1,500 deductible I know that there are cheaper insurance companies out there however I like the value MetLife gives.
State Farm
the only times i have used my insurance the deductible has been paid through the claim, so i am happy that additional funding wasn't needed.
Farmer's Insurance
I absolutely love Farmers Insurance customer service. They are easy to get ahold of and are able to help whenever they can and however they can. The office is also a friendly environment.
Mapfre Insurance
I would recommenced Mapfre, they are local and country wide. They have good customer service and are easy to work with. I have no issues with them.
State Farm
My semi annual premium is $500 and deductible is $1000 to cover replacement of car. I'm sure other companies provide similar coverage, but I have a longer history with State Farm, giving me discounts.
State Farm
My semi annual premium is $500 and deductible is $1000 to cover replacement of car. I'm sure other companies provide similar coverage, but I have a longer history with State Farm, giving me discounts.
Geico
When it comes to premiums and coverage, my insurance company seems to have the best value when it comes to premiums as compared to other big name insurance companies such as Progressive or State Farm. However these premium rates can change depending on where you live in the country.
State Farm
I dislike the rates increases from time time even when I first signed up with State Farm and had no car accidents in the beginning.
Usaa
We have had to submit two claims in the past both were handled quickly and without much pain to us in the process. It was much smoother then the claim I had to submit to Geico in the Past.
Geico
THE MAIN THING THAT I LIKE ABOUT THE INSURANCE COMPANY IS THE PRICE FOR THE COVERAGE THAT I RECEIVE. AND THEY ARE THERE IF YO U NEED THEM
Allstate
Allstate covers any thing that could possibly happen, and it does it for the same price of other providers BUT offers roadside assistance. I rate it a 4, because it is a bit expensive.
Usaa
We use USAA for car insurance. We previously had Geico. USAA is cheaper, with more benefits. They are really easy to work with and very customizavle.
Geico
I just recent made a switch because my previous insurance went up about $90 a month over 2 years. I basically cut the payment in half
State Farm
Premiums for me, based on where I live, hours I commute, my age and any discounts for a safe driver are comparable. I have tried a few times checking out other prices and find them not low enough to consider.
Esurance
The premium with essurance is slightly lower than the premiums with other insurance companies for the same coverage. It is reasonable and there is not a large charge to break the payments up versus paying it for a year at a time.