Cheap Car Insurance New Port Richey FL: Compare Quotes From Best Companies - [Mom Prepared] (2025)

As a wife and mother of four children in New Port Richey, Florida, finding affordable car insurance is a top priority for me. With a range of ages and driving experience among my children, as well as multiple vehicles to insure, it can be a challenge to find the right coverage at the right price. That’s why I decided to do some research and compare quotes from the best insurance companies in the area. In this article, I will share my findings on five national insurance carriers, details on the vehicles owned by our family, and insights on sometimes forgotten issues when it comes to auto insurance.

When it comes to car insurance in New Port Richey, FL, there are several national insurance carriers that stand out for their competitive rates and quality coverage options. After requesting quotes from multiple companies, I found that the following five insurers consistently offered some of the best rates in the area:

1. State Farm – State Farm is known for its excellent customer service and wide range of coverage options. The average annual premium for our family’s vehicles with State Farm was $1,200.

2. Geico – Geico is well-known for its affordable rates and user-friendly online tools. We found that Geico offered an average annual premium of $1,100 for our vehicles.

3. Progressive – Progressive is a popular choice for drivers looking for customizable coverage options and competitive rates. Our family’s average annual premium with Progressive was $1,300.

4. Allstate – Allstate is known for its strong financial stability and variety of discounts for policyholders. The average annual premium for our vehicles with Allstate was $1,400.

5. USAA – USAA is a top choice for military families and offers excellent customer service and coverage options. While not everyone is eligible for USAA, our family’s average annual premium with them was $1,000.

In addition to comparing insurance carriers, it’s important to consider the vehicles owned by our family when looking for coverage. We currently own six vehicles, each with their own maintenance and insurance costs:

1. Honda Accord – The Honda Accord is a reliable and fuel-efficient sedan that is affordable to insure. The average annual insurance cost for our Honda Accord is $800.

2. Toyota Sienna – The Toyota Sienna is a spacious and family-friendly minivan that is slightly more expensive to insure due to its size. The average annual insurance cost for our Toyota Sienna is $900.

3. Ford F-150 – The Ford F-150 is a popular pick-up truck that is known for its durability and towing capabilities. The average annual insurance cost for our Ford F-150 is $1,000.

4. Subaru Outback – The Subaru Outback is a versatile and off-road capable SUV that is slightly more expensive to insure due to its features. The average annual insurance cost for our Subaru Outback is $1,100.

5. Chevrolet Tahoe – The Chevrolet Tahoe is a large and powerful SUV that is more expensive to insure due to its size and capabilities. The average annual insurance cost for our Chevrolet Tahoe is $1,200.

6. Ford Mustang – The Ford Mustang is a sporty and high-performance coupe that is the most expensive to insure due to its speed and risk factor. The average annual insurance cost for our Ford Mustang is $1,300.

When it comes to insuring our four children, who range in age from 16 to 21, the costs can vary greatly depending on their driving experience and the type of vehicle they drive. On average, we found that the insurance costs for our children ranged from $1,000 to $2,000 per year, with our youngest and least experienced drivers paying the highest premiums.

While comparing insurance carriers and vehicles is important, there are also several sometimes forgotten issues to consider when it comes to auto insurance. Here are eight key factors to keep in mind:

1. Uninsured/Underinsured Motorist Coverage – It’s important to make sure you have adequate uninsured/underinsured motorist coverage to protect yourself in case you are involved in an accident with a driver who does not have enough insurance.

2. Gap Insurance – If you have a loan or lease on your vehicle, gap insurance can help cover the difference between what you owe on the vehicle and its actual cash value in the event of a total loss.

3. Roadside Assistance – Adding roadside assistance to your policy can provide peace of mind in case you experience a breakdown or other emergency while on the road.

4. Rental Car Coverage – If your vehicle is in the shop for repairs after an accident, rental car coverage can help cover the cost of a temporary vehicle.

5. Usage-Based Insurance – Some insurance companies offer usage-based insurance programs that track your driving habits and adjust your rates accordingly. This can be a good option for safe drivers looking to save money on their premiums.

6. Teen Driver Programs – Many insurance companies offer discounts for teen drivers who complete a safe driving course. Encouraging your teenage children to participate in these programs can help lower their insurance costs.

7. Multi-Policy Discounts – Bundling your auto insurance with other policies, such as homeowners or life insurance, can often result in significant discounts on your premiums.

8. Annual Policy Review – It’s a good idea to review your auto insurance policy annually to make sure you are still getting the best rates and coverage options available.