Cheapest Auto Insurance in Spring Hill, Florida (2026)
Progressive has the cheapest liability rates in Spring Hill, starting at $83 per month.
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Written byJess Ullrich
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Jess UllrichFreelance Insurance Writer
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
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Reviewed byDavid Marlett
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Spring Hill drivers pay overall average car insurance rates similar to the Florida state average. Overall, the average cost of car insurance in Spring Hill is $192 per month versus $186 per month statewide. The city’s location on Florida’s Gulf coast makes it vulnerable to storms that can damage vehicles and homes, which likely contributes to drivers’ higher-than-average insurance costs.
Here’s what you should know if you’re comparing auto insurance companies in Spring Hill.
Quick Facts
The average cost of car insurance in Spring Hill is $136 per month for liability coverage and $247 per month for full coverage.
Florida requires drivers to purchase only property damage liability and personal injury protection coverages.
State Farm is the cheapest full-coverage car insurance company in Spring Hill, with rates starting at $134 per month.
3 of the cheapest car insurance companies in Spring Hill
Though cost is an important factor to consider when choosing an auto insurance company, other factors also play a role. You should select an insurer based on your coverage needs, available discounts, driving record, and more. The best auto insurance company for you isn’t necessarily the cheapest option available.
The cheapest car insurance companies in Spring Hill include State Farm, Hugo, and GEICO. Here’s what you should know about what the companies offer and who the coverage works best for.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $129 | $80 | Cheap rates |
| Hugo | 6.3 | N/A | $202 | Usage-based insurance |
| GEICO | 9.2 | $186 | $92 | Senior drivers |
Disclaimer: Table data is based on real-time Spring Hill quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $83/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $134/mo |
4.1
Best choice in Spring Hill, FLBased on 18,955 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Spring Hill for
Showing 75 Florida reviews for Spring Hill driversSee all 7,686 State Farm reviews
Verified Review
Reviewed in Florida on June 19, 2026
No claims, but expensive.
Verified Review
Reviewed in Florida on June 19, 2026
I'm pleased with State Farm. I shop rates often and no one beats them for my needs.
Verified Review
Reviewed in Florida on June 17, 2026
They are very expensive. I’m driving a 12-year-old car and pay $700 every 6 months. One claim in 5 years in which I was not at fault.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm is a long-standing, financially sound insurance company offering multiple discounts for customers. Its auto coverage is relatively affordable compared to other insurers in the city. Customer reviews for the company vary online. Some customers are happy with their coverage, while others report issues with rising rates and unexpected policy cancellations.
Overall, this company works well for people seeking cheap full-coverage auto insurance and multiple discounts in Spring Hill.
Pros
AM Best financial strength rating of A++ (Superior)
At least 10 advertised discounts
Cons
Mixed customer reviews online
Teenagers can find cheaper rates elsewhere
Best insurer for usage-based insurance: Hugo
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $206/mo |
4.6
Best choice in Spring Hill, FLBased on 236 verified driver reviews and ratings
Hugo's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.2 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
Based on analysis of verified reviews collected by Insurify
Best in Spring Hill for
Showing recent national reviewsSee all 73 Hugo reviews
Verified Purchase
Reviewed in Georgia on June 16, 2026
I love Hugo Insurance. I would definitely recommend this to anyone who has financial issues and is not financially stable. They have definitely helped me through hard times. I am a single mother and they’re always offering me things that will help me. I truly appreciate this. Thank you so much, Hugo.
Verified Purchase
Reviewed in Georgia on June 2, 2026
I would tell my friend to try out Hugo because it's affordable, convenient, and instant!
Verified Review
Reviewed in Texas on May 24, 2026
If you need day-to-day insurance, Hugo has you covered.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
A newer insurer offering affordable on-demand coverage, Hugo only offers car insurance. This means you can’t bundle your homeowners or renters insurance to get a discount.
Hugo can be a great choice for drivers seeking flexible coverage. Drivers can purchase coverage for short periods of three days to six months.
Pros
Affordable policies
Flexible coverage options
Cons
No option to bundle coverage
Fairly low IQ Score
Best insurer for senior drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $94/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $192/mo |
4.0
Best choice in Spring Hill, FLBased on 18,942 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Spring Hill for
Showing 75 Florida reviews for Spring Hill driversSee all 7,842 GEICO reviews
Verified Review
Reviewed in Florida on June 21, 2026
Best price I could find.
Verified Review
Reviewed in Florida on June 20, 2026
I honestly don’t have anything bad to say about GEICO, besides the fact that they’re on the more expensive side. I’m on a fixed income and am looking for a lower rate.
Verified Review
Reviewed in Florida on June 20, 2026
It's too expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
An established insurer, GEICO offers multiple insurance products, including auto insurance coverages. The company receives high ratings for financial strength and offers multiple insurance discounts. But GEICO receives mixed reviews from customers, with some mentioning issues with policy cancellation and high premiums. Still, others indicate satisfaction with their coverage.
Overall, GEICO provides quality insurance for an affordable price and an opportunity to bundle coverages.
Pros
AM Best financial strength rating of A++ (Superior)
At least 16 advertised discounts
Cons
Mixed customer reviews online
Gap insurance not available
How to get the cheapest car insurance in Spring Hill
If you’re looking for coverage in Spring Hill, several different companies offer affordable policies. But the cost of your policy will depend on several factors, including your driving record, age, credit history, and the type of vehicle you drive.
To increase your chances of securing cheap car insurance coverage in Spring Hill, follow these tips:
Maintain a clean record. Do your best to maintain a clean driving record by following posted speed limits, paying close attention on the road, and limiting driving during inclement weather.
Compare quotes. It often doesn’t make sense to choose the first insurer you come across. Instead, compare coverage options across insurance companies, because auto premiums vary.
Look for discounts. Ask about what coverage discounts you may qualify for with the insurers you’re considering. You can save money with safe driving, bundling with homeowners insurance, and low-mileage discounts.
Get Cheap Insurance in Spring Hill, FL
Minimum-coverage rates start at $83/mo.
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Cheapest liability-only car insurance in Spring Hill: Progressive
Liability-only car insurance typically costs less than full-coverage policies. With liability-only insurance, your insurance covers you if you cause vehicle damages or injuries to another driver or their passengers.[1] But it won’t pay for your injuries or vehicle repairs.
The average cost of liability insurance in Spring Hill, Florida, is $136 per month. Here are the cheapest insurers in the area to start your search.
The below rates in Spring Hill, FL, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $83 |
| State Farm | $83 |
| Mile Auto | $87 |
| Clearcover | $88 |
| GEICO | $94 |
| Dairyland | $104 |
| Embark | $107 |
| Infinity | $117 |
| Direct Auto | $123 |
| Mercury | $123 |
| GAINSCO | $124 |
| The General | $130 |
| Bristol West | $140 |
| AssuranceAmerica | $143 |
| Allstate | $145 |
| National General | $148 |
| Root | $158 |
| Travelers | $171 |
| Insurify Car | $173 |
| Hugo | $206 |
| Mendota | $231 |
| First Acceptance | $235 |
| Liberty Mutual | $236 |
Disclaimer: Table data sourced from real-time Spring Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Spring Hill may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Spring Hill: State Farm
Full-coverage insurance offers a broader range of protection than liability-only insurance. In addition to liability coverage, it typically includes comprehensive and collision coverage. This protects you if you face vehicle damage in a covered weather event, fire, theft, or a collision with another vehicle or object. If you have an auto loan, your lender will typically require this coverage.
You should consider full-coverage insurance if you have a new or high-value car, or if you drive frequently. If your total annual premiums for full coverage exceed the value of your car, you may only need liability coverage.
The average cost of full-coverage in Spring Hill is $247 per month. The table below shows the cheapest full-coverage insurers.
The below rates in Spring Hill, FL, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $134 |
| Progressive | $146 |
| Mile Auto | $161 |
| Mercury | $185 |
| GEICO | $192 |
| National General | $195 |
| Direct Auto | $209 |
| Clearcover | $214 |
| Bristol West | $220 |
| Allstate | $233 |
| Infinity | $246 |
| The General | $248 |
| AssuranceAmerica | $261 |
| Embark | $262 |
| Travelers | $277 |
| Root | $286 |
| GAINSCO | $290 |
| Liberty Mutual | $307 |
| Dairyland | $324 |
| First Acceptance | $343 |
| Mendota | $358 |
Disclaimer: Table data sourced from real-time Spring Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Spring Hill may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Spring Hill, Florida drivers
Recent Spring Hill, Florida car insurance prices for Dodge, Honda, Mazda, and more.
*Quotes generated for Insurify users in and around Spring Hill, Florida within the last 10 days. Last updated on June 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Spring Hill, Florida within the last 10 days. Last updated on June 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
Florida is a no-fault state, which means you’ll always need to file a claim with your own insurance company after an accident, regardless of who’s at fault.
Minimum coverage requirements in Florida only include personal injury protection and property damage liability.[2] PIP covers your medical expenses, and property damage liability kicks in for damage you cause to another person’s vehicle or property. Many states require more coverage. You can also elect to purchase higher coverage limits than the minimum requirements.
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection (PIP) | $10,000 |
| Property damage liability | $10,000 |
Beyond the required insurance, you may want to purchase additional coverage for more protection. You should consider these common optional coverages:
Bodily injury liability coverage
This provides protection if you injure another driver or their passengers in a car accident.
Collision coverage
Collision insurance covers your car if an accident or other collision incident causes damage to your vehicle.
Comprehensive coverage
If a non-collision incident — including a weather event, theft, or fire — damages your vehicle, Comprehensive insurance kicks in.[3]
Cheapest car insurance for drivers with an incident
Insurers generally understand the rarity of a perfect driving history and should issue you a policy even if you have an incident on your record. Driving incidents could include speeding tickets, driving under the influence (DUI) charges, at-fault accidents, and other moving violations.
You may not have trouble getting a policy, but a spotty driving history could increase your insurance costs.
“If you’re classified as a high-risk driver, you may pay significantly higher premiums than someone with a clean driving record,” says John Espenschied, owner of Insurance Brokers Group. “In fact, some drivers may see their rates double or triple compared to what they were paying before. However, it’s worth noting that not all insurers treat high-risk drivers the same way, so it’s important to shop around for the best rates.”
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Cheapest car insurance for drivers with a speeding ticket: Progressive
You’ll generally pay more for auto coverage if you have a speeding ticket. Fortunately, some Spring Hill insurers still offer affordable policies.
On average, Spring Hill drivers pay $158 per month for liability car insurance if they have a speeding ticket on their record. You can compare quotes from cheapest insurers below.
The below rates in Spring Hill, FL, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Progressive | $83 | $97 |
| State Farm | $83 | $102 |
| Mile Auto | $87 | $102 |
| Clearcover | $88 | $108 |
| GEICO | $94 | $119 |
| Embark | $107 | $125 |
| Dairyland | $104 | $125 |
| GAINSCO | $124 | $143 |
| Infinity | $117 | $144 |
| Direct Auto | $123 | $149 |
| Mercury | $123 | $165 |
| The General | $130 | $169 |
| Bristol West | $140 | $171 |
| AssuranceAmerica | $143 | $176 |
| National General | $148 | $178 |
| Root | $158 | $182 |
| Allstate | $145 | $182 |
| Insurify Car | $173 | $201 |
| Travelers | $171 | $214 |
| Hugo | $206 | $254 |
| Mendota | $231 | $269 |
| First Acceptance | $235 | $274 |
| Liberty Mutual | $236 | $291 |
Disclaimer: Table data sourced from real-time Spring Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Spring Hill may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Progressive
At-fault accidents will also increase your insurance costs — typically affecting costs more than a single speeding ticket. You’ll likely have more expensive coverage from every insurer with this type of incident on your record.
The average cost of liability insurance is $173 per month for Spring Hill drivers with an at-fault accident on their record. Compare insurance quotes from the cheapest insurers below.
The below rates in Spring Hill, FL, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Progressive | $83 | $106 |
| State Farm | $83 | $108 |
| Mile Auto | $87 | $115 |
| GEICO | $94 | $122 |
| Clearcover | $88 | $123 |
| Dairyland | $104 | $135 |
| Embark | $107 | $136 |
| Infinity | $117 | $153 |
| GAINSCO | $124 | $156 |
| Direct Auto | $123 | $165 |
| The General | $130 | $176 |
| Mercury | $123 | $181 |
| Bristol West | $140 | $182 |
| AssuranceAmerica | $143 | $187 |
| Allstate | $145 | $191 |
| National General | $148 | $194 |
| Root | $158 | $195 |
| Insurify Car | $173 | $220 |
| Travelers | $171 | $227 |
| Hugo | $206 | $269 |
| Mendota | $231 | $294 |
| First Acceptance | $235 | $299 |
| Liberty Mutual | $236 | $308 |
Disclaimer: Table data sourced from real-time Spring Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Spring Hill may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Progressive
Due to the severity of the infraction, a DUI will cause your premiums to increase even more than a speeding ticket or at-fault accident. Many top insurance companies offer coverage to high-risk drivers with a DUI.
The average cost of liability insurance is $177 per month for Spring Hill drivers with a DUI on their record. Find the cheapest coverage options below.
The below rates in Spring Hill, FL, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Progressive | $83 | $108 |
| State Farm | $83 | $114 |
| Clearcover | $88 | $116 |
| Mile Auto | $87 | $119 |
| GEICO | $94 | $128 |
| Embark | $107 | $139 |
| Dairyland | $104 | $143 |
| Infinity | $117 | $161 |
| Direct Auto | $123 | $169 |
| GAINSCO | $124 | $170 |
| The General | $130 | $173 |
| Mercury | $123 | $180 |
| Bristol West | $140 | $192 |
| AssuranceAmerica | $143 | $196 |
| Allstate | $145 | $199 |
| National General | $148 | $203 |
| Root | $158 | $217 |
| Insurify Car | $173 | $225 |
| Travelers | $171 | $235 |
| Hugo | $206 | $283 |
| Mendota | $231 | $301 |
| First Acceptance | $235 | $306 |
| Liberty Mutual | $236 | $324 |
Disclaimer: Table data sourced from real-time Spring Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Spring Hill may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Progressive
Your car insurance costs can also vary by age. Drivers around age 35 start to benefit from decreased rates, thanks to their years of experience on the road. This trend of decreasing rates typically continues until drivers reach age 70.
Older drivers may begin to face slightly increased rates again — on average, Spring Hill’s senior drivers pay $123 per month for liability coverage and $223 per month for full coverage.
The below rates in Spring Hill, FL, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $67 | $108 |
| Mile Auto | $70 | $130 |
| Progressive | $75 | $132 |
| GEICO | $76 | $156 |
| Clearcover | $79 | $193 |
| Infinity | $87 | $182 |
| Dairyland | $90 | $281 |
| Embark | $96 | $236 |
| Mercury | $100 | $150 |
| Direct Auto | $103 | $175 |
| GAINSCO | $109 | $254 |
| The General | $113 | $216 |
| AssuranceAmerica | $115 | $209 |
| National General | $119 | $157 |
| Bristol West | $119 | $188 |
| Allstate | $120 | $193 |
| Travelers | $140 | $226 |
| Root | $148 | $268 |
| Liberty Mutual | $201 | $261 |
| Mendota | $208 | $323 |
| First Acceptance | $212 | $309 |
Disclaimer: Table data sourced from real-time Spring Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Spring Hill may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Progressive
Insurers generally view teenagers as high-risk drivers to insure because of their lack of experience on the road. That higher risk equates to higher costs, so teenagers receive some of the highest car insurance premiums. Costs tend to decrease for young drivers in their mid-20s.
Fortunately, some insurers may offer good student, safe vehicle, or away-at-school discounts. You can also pay less as a teen by staying on your parents’ insurance auto policy rather than seeking a policy on your own.
Teen drivers in Spring Hill pay averages of $230 per month for liability coverage and $418 per month for full coverage. Find the best coverage options for Spring Hill teenagers below.
The below rates in Spring Hill, FL, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Clearcover | $139 | $338 |
| Progressive | $140 | $247 |
| State Farm | $156 | $252 |
| GEICO | $164 | $335 |
| Mile Auto | $173 | $320 |
| Dairyland | $175 | $544 |
| Embark | $181 | $443 |
| Infinity | $196 | $411 |
| GAINSCO | $212 | $496 |
| Mercury | $217 | $327 |
| The General | $226 | $431 |
| Root | $229 | $414 |
| Direct Auto | $231 | $393 |
| Bristol West | $239 | $376 |
| Allstate | $277 | $446 |
| National General | $286 | $377 |
| AssuranceAmerica | $287 | $524 |
| Travelers | $345 | $559 |
| Mendota | $391 | $606 |
| First Acceptance | $398 | $580 |
| Liberty Mutual | $398 | $518 |
Disclaimer: Table data sourced from real-time Spring Hill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Spring Hill may vary based on the policy buyer's unique driver profile.
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Spring Hill car insurance quotes by credit tier
Your credit history will also affect your car insurance costs in Florida. Drivers with excellent or good credit scores are likely to pay less for coverage than drivers with poor credit scores. Insurers may view drivers with poor credit as more of a financial risk due to their past credit history.
Here’s how your credit tier can affect your overall insurance costs in Spring Hill.
Rates by Credit Tier
Excellent | Good | Fair | Poor | |
|---|---|---|---|---|
| Credit Tier | $424 | $501 | $551 | $854 |
Is car insurance more expensive in Spring Hill?
Car insurance in Florida is relatively expensive compared to other states — partially due to the hurricanes and tropical storms that occur in the state. A resulting flood can cause vehicle damage or loss. Floridians pay an overall average of $186 per month for coverage, while U.S. drivers pay an overall average of $142 per month.
Car insurance costs can also vary widely depending on where you live in Florida, but costs skew high in Spring Hill.
More cities in Florida
The average cost of car insurance in Spring Hill is $136 per month for liability coverage and $247 per month for full coverage. Here’s what drivers pay for insurance in different Florida cities, on average.
City | Full Coverage | Liability Only |
|---|---|---|
| Cape Coral | $208 | $123 |
| Clearwater | $217 | $127 |
| Daytona Beach | $226 | $123 |
| Fort Lauderdale | $262 | $167 |
| Fort Myers | $219 | $131 |
| Gainesville | $200 | $110 |
| Jacksonville | $233 | $135 |
| Jupiter | $211 | $110 |
| Miami | $287 | $179 |
| Orlando | $252 | $154 |
Disclaimer: Table data is based on real-time Spring Hill quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Spring Hill car insurance FAQs
If you need help finding cheap coverage in Spring Hill, the information below provides helpful insights into car insurance in the city.
How much is car insurance in Spring Hill?
The average cost of car insurance in Spring Hill is $136 per month for liability coverage and $247 per month for full coverage.
Which company has the cheapest car insurance in Spring Hill?
Progressive, State Farm, and Mile Auto are the cheapest minimum-coverage insurers in Spring Hill, with rates starting at $83, $83, and $87 per month, respectively. You should compare insurance quotes from multiple Florida car insurance companies to find the best option for you.
What are the best car insurance companies in Spring Hill?
Based on IQ Scores, the best car insurance companies in Spring Hill include State Farm, GEICO, and Travelers. State Farm has an A++ (Superior) financial strength rating from AM Best, affordable monthly coverage in Spring Hill, and customizable coverage. The best insurer for infrequent drivers is Hugo.
What factors affect the costs of car insurance in Spring Hill?
Factors related to Spring Hill that affect costs include weather, crime and accident rates, population density, and traffic congestion. Depending on where you live in Spring Hill, you could potentially face vehicle damage from weather events like hurricanes and tropical storms. Insurers factor in an area’s risk factors when determining rates for policyholders who live there.
Drivers with additional policies for life insurance or home insurance can typically earn a bundling discount. You can call your local agent or your insurance agency’s customer service phone number with questions.
Is Florida a no-fault state?
Yes. Florida is a no-fault state. This means both involved parties in an accident must file claims with their respective insurers to cover costs, regardless of who caused the collision. Drivers in the state must purchase a minimum of personal injury protection coverage.
Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
Methodology
Insurify data scientists analyzed more than 190 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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