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Get Cheap Car Insurance in Port Richey, FL
We monitor insurance prices, helping the average driver in Port Richey save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Port Richey
The chart below shows the cheapest car insurance company in Port Richey for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Port Richey Insurer | Monthly Cost |
|---|---|
| Geico | $132 |
| State Farm | $140 |
| Gainsco | $182 |
| Bristol West | $182 |
Savings for Every Kind of Port Richey Driver
Based on our extensive insurance data, we know the average Port Richey driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $807 per year by choosing the right vehicle insurance company. Some Port Richey residents are paying out over $2,759 extra every year for auto insurance in Port Richey. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Port Richey, FL Savings / Yr. |
|---|---|
$807 |
|
$1,185 |
|
$912 |
|
$902 |
|
$2,867 |
|
$783 |
|
$1,141 |
Port Richey Car Insurance vs. Florida
People living in Port Richey pay an average of 4.43% more than the typical driver in the state. The average driver in Port Richey can expect to pay about $2,519 per year, or $2,759 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Port Richey for most people.
Car Insurance Prices by Port Richey Neighborhood
Insurance Prices
Where is insurance cheapest within Port Richey?
The map shows insurance prices in and around Port Richey, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $243 per year within the city boundaries, with insurance premiums ranging from a high of $2,880 to a low of $2,637. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northeast parts of Port Richey.Pick the Best Car Insurance Company for You in Port Richey
The best car insurance provider for most drivers in Port Richey
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $807 over the average Port Richey car insurance company.
The best car insurance provider for Port Richey drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,185 over the competition.
The best car insurance company for Port Richey drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $912 better than other car insurance companies.
The best auto insurance for Port Richey drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $902 less each year.
The least expensive car insurance company for new and young drivers in Port Richey
In Port Richey, Geico costs young drivers $2,867 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Port Richey
Geico gave the largest car insurance discounts to married couples, averaging $783 saved each year compared to an average Port Richey couple's premiums.
The cheapest car insurance in Port Richey for drivers with bad credit
The best Port Richey car insurance company for customer service
Recent price drops
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The cheapest large national provider in Port Richey
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Port Richey driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Port Richey, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Port Richey
What Influences the Cost of Car Insurance in Port Richey?
On average, car insurance in Port Richey is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Port Richey is 36 minutes, which is a little more than average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Port Richey are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Port Richey is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Port Richey is $210 per month for minimum coverage and $230 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Jasmine Estates: Insurance costs 2.50% more
- New Port Richey East: Insurance costs 2.28% more
- Bayonet Point: Insurance costs 0.51% less
- New Port Richey: Insurance costs 0.65% more
- Elfers: Insurance costs 3.81% more
- Moon Lake: Insurance costs 2.43% less
- Holiday: Insurance costs 2.46% more
- Hudson: Insurance costs 3.15% less
- Tarpon Springs: Insurance costs 3.52% more
- Odessa: Insurance costs 0.80% more
Cities with Similar Populations
- Colfax: Insurance costs 33.78% less
- Wilson: Insurance costs 46.79% less
- Wilton: Insurance costs 28.09% less
- Columbiana: Insurance costs 44.62% less
- Columbia Station: Insurance costs 60.17% less
- Winchester: Insurance costs 23.63% less
- Colonie: Insurance costs 19.93% less
- Colonial Beach: Insurance costs 56.47% less
- Winnabow: Insurance costs 54.91% less
- Collingdale: Insurance costs 38.93% less