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Licensed auto and home insurance agent
4+ years in content creation and marketing
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
North Port drivers pay an average of $111 per month for liability coverage and $189 for full coverage. Both rates are lower than the Florida average cost of $142 per month for liability insurance and $237 for full coverage. North Port’s rates are also significantly lower than Tampa’s monthly averages of $186 for liability coverage and $296 for full-coverage insurance.
North Port is farther inland, which helps keep its car insurance rates lower than many other Florida cities, since it faces a lower risk of storm surge than coastal cities. That said, North Port sits along the Myakka River, which can expose it to flooding as river levels rise. Insurance companies consider these factors when setting car insurance rates.
Average liability quotes start at $64/mo.
State Farm is the cheapest car insurance company in North Port for liability-only car insurance. Florida law requires all drivers to have minimum coverage with at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage.[1]
The cheapest company for full-coverage car insurance in North Port is State Farm. In general, North Port drivers pay lower rates than the Florida average for both coverage levels.
North Port sits along a floodplain that saw significant flood damage during Hurricane Ian in 2022.[2] You may want to opt for full coverage to protect against water damage that liability insurance doesn’t cover. Full coverage typically includes bodily injury liability coverage, collision coverage, and comprehensive coverage, which Florida doesn’t legally require.
The following table shows the cheapest liability-only and full-coverage car insurance rates in North Port.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $64 |
| Clearcover | $69 |
| Mile Auto | $69 |
| Progressive | $69 |
| GEICO | $72 |
| Embark | $84 |
| Dairyland | $89 |
| GAINSCO | $95 |
| Direct Auto | $96 |
| Mercury | $98 |
| The General | $101 |
| Bristol West | $109 |
| Allstate | $111 |
| AssuranceAmerica | $111 |
| National General | $116 |
| Insurify Car | $120 |
| Root | $130 |
| Travelers | $132 |
| Hugo | $161 |
| Mendota | $179 |
| First Acceptance | $180 |
| Liberty Mutual | $184 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $102 |
| Progressive | $114 |
| Mile Auto | $130 |
| Mercury | $144 |
| GEICO | $149 |
| National General | $151 |
| Direct Auto | $160 |
| Bristol West | $168 |
| Clearcover | $168 |
| Allstate | $178 |
| The General | $195 |
| AssuranceAmerica | $201 |
| Embark | $205 |
| Travelers | $211 |
| GAINSCO | $227 |
| Root | $230 |
| Liberty Mutual | $238 |
| Dairyland | $256 |
| First Acceptance | $263 |
| Mendota | $278 |
Car insurance rates in North Port are among the more affordable in Florida, coming in lower than both the Florida average and nearby Sarasota’s average. North Port’s lower population density and inland location can help offset some of the weather-related risks that often drive up car insurance costs in Florida.[3]
In the table below, you can see average car insurance costs in other Florida cities.
City | Average Monthly Quote |
|---|---|
| Venice | $134 |
| Milton | $142 |
| The Villages | $143 |
| Saint Augustine | $149 |
| Panama City | $150 |
| Punta Gorda | $150 |
| Vero Beach | $150 |
| Port Orange | $153 |
| Eustis | $155 |
| Gainesville | $157 |
| Sarasota | $158 |
| Melbourne | $161 |
| Palm Coast | $161 |
| Cocoa | $164 |
| Naples | $164 |
| Pensacola | $164 |
| Palm Bay | $166 |
| Jupiter | $167 |
| Cape Coral | $169 |
| Tallahassee | $169 |
| Ocala | $170 |
| Largo | $172 |
| Bradenton | $175 |
| Clearwater | $175 |
| Daytona Beach | $175 |
| Port Saint Lucie | $175 |
| Lakeland | $177 |
| Winter Springs | $177 |
| Saint Cloud | $178 |
| Clermont | $179 |
| Winter Haven | $179 |
| Fort Myers | $180 |
| Sanford | $180 |
| Pinellas Park | $183 |
| Oviedo | $185 |
| Plant City | $185 |
| Coral Springs | $186 |
| Orange Park | $186 |
| Saint Petersburg | $186 |
| Jacksonville | $187 |
| Palm Harbor | $188 |
| Davenport | $189 |
| Apopka | $190 |
| Altamonte Springs | $192 |
| Deltona | $196 |
| Palm Beach Gardens | $197 |
| Spring Hill | $198 |
| Kissimmee | $199 |
| New Port Richey | $204 |
| Wesley Chapel | $206 |
| Orlando | $208 |
| Wellington | $212 |
| Boca Raton | $215 |
| Brandon | $215 |
| Riverview | $215 |
| Fort Lauderdale | $218 |
| Hollywood | $220 |
| North Miami Beach | $220 |
| Holiday | $223 |
| Pompano Beach | $224 |
| West Palm Beach | $224 |
| Homestead | $227 |
| Miami Beach | $227 |
| Deerfield Beach | $233 |
| Delray Beach | $239 |
| Lake Worth | $239 |
| Hialeah | $240 |
| Tampa | $241 |
| Miami | $242 |
| Boynton Beach | $255 |
| Miami Gardens | $268 |
Insurify Car makes it affordable and easy to get same-day liability coverage
North Port’s population increased by nearly 30% between 2020 and 2025, bringing more drivers and additional traffic to the roads. Drivers should drive safely and defensively and keep an eye out for any road construction projects.
While North Port has no coastline, the Myakka River runs through it, which can flood during heavy storms. Know your evacuation routes before hurricane season comes, and never drive through a flooded street. You can easily get stuck and irreparably damage your car if you try to do so.
If you’re a homeowner, consider adding flood insurance, as your homeowners insurance won’t cover flood damage from a storm. If you’re a renter, you should have renters insurance to protect your belongings from flood damage. Ensuring you have proper coverage for auto and home insurance can make a difference in saving you thousands of dollars.
Nearly 28% of North Port residents are 65 or older, so drivers should watch for slower-moving vehicles and pedestrians. The city’s average commute time is 29 minutes, which is longer than the national average. Leave extra time for your commute during rush hour.
Your driving record significantly affects your car insurance rates in North Port. More than 3% of North Port drivers have a ticket, 4% have been in a car accident, and about 1% have a DUI on their driving records, according to Insurify data. Florida is a no-fault state for car insurance, meaning that your own PIP coverage will pay for your injuries regardless of fault.[4]
That being said, a DUI will still significantly increase your car insurance rates in North Port. An at-fault accident or speeding ticket will also drive up your rates, though not as dramatically.
Take a look at the table below to see the average rates for North Port drivers based on their driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $150 |
| Speeding ticket | $174 |
| At-fault accident | $189 |
| DUI | $192 |
Your age also affects your car insurance rates. Teen drivers pay significantly more than older drivers due to their lack of driving experience. In Florida, 15-year-olds can earn their learner’s permit, and 16-year-olds can earn their driver’s license with driving restrictions until turning 18 years old.[5]
After gaining experience, young drivers tend to earn lower rates beginning in their 20s. Senior drivers with clean records typically pay much lower rates than younger drivers but may experience slight increases with age.
Below, you can see the average monthly car insurance costs for North Port drivers of different ages.
Age | Average Monthly Quote |
|---|---|
| Teens | $187 |
| 20s | $132 |
| 30s | $117 |
| 40s | $116 |
| 50s | $108 |
| 60s | $100 |
| 70+ | $104 |
*Quotes generated for Insurify users in and around North Port, Florida within the last 10 days. Last updated on September 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around North Port, Florida within the last 10 days. Last updated on September 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Take a look at the following answers to some of the most commonly asked questions about auto insurance in North Port.
The average cost of car insurance in North Port is $111 per month for liability coverage and $189 per month for full coverage, according to Insurify data.
State Farm offers the cheapest coverage for North Port drivers, with an average monthly liability insurance rate of $64. Progressive and Mile Auto are two more of the cheapest insurers for North Port drivers.
The best car insurance company in North Port depends on your needs, budget, and driving history, among other factors. You have plenty of excellent insurers to choose from in North Port. You should compare quotes from multiple companies to find one with affordable rates and coverage that fits your situation. Don’t just settle for the first cheap car insurance that you find.
Many factors affect auto insurance rates in North Port, including your age, driving record, credit history, coverage level, and local factors, such as flood risks from the Myakka River and the city’s growing population.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
