Best Cheap Auto Insurance in Spring Hill, Florida (2023)

Drivers in Spring Hill, Florida, pay average auto rates much higher than the national average.

Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • 10+ years writing insurance and personal finance topics

  • Former associate finance editor for Investopedia

Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated November 17, 2023 at 6:30 AM PST

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Spring Hill drivers pay on average about 8% more per month for car insurance than the Florida state monthly average — $466 vs. $451. 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.

Still, Spring Hill residents can find affordable car insurance options. State Farm and GEICO offer the cheapest standard policies in this city, and Hugo offers affordable pay-as-you-drive coverage.

Here’s what you should know if you’re comparing auto insurance companies in Spring Hill.

Quick Facts
  • Drivers in the state must purchase a minimum amount of property damage liability and personal injury protection coverage.

  • Florida law permits insurers to consider your credit history when determining premiums.

  • On average, Spring Hill drivers pay $551 per month for full-coverage car insurance and $359 for liability only.

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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.

Cheapest insurer in Spring Hill: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$71/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.
$82/mo

State Farm is a long-standing, financially sound insurance company offering multiple discounts for customers. Its auto coverage is relatively affordable, with customers paying $131 per month for full coverage and $140 for liability coverage. 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
  • A.M. Best financial strength rating of A++ (Superior)

  • At least 10 advertised discounts

Cons
  • Mixed customer reviews online

  • Teenagers can find cheaper rates elsewhere

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023
Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023
Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023
Verified
Read our State Farm review

Best insurer for usage-based insurance: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
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
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.
$79/mo

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. While Hugo gets high ratings from customers, it earned an IQ Score of 3.0 out of 5. This score is an indicator of a company’s customer service and financial health.

Hugo serves as a great choice for drivers seeking flexible coverage. Drivers can purchase coverage for short periods of three days to six months. On average, Hugo drivers pay $117 per month for liability insurance.

Pros
  • Affordable policies

  • Flexible coverage options

Cons
  • No option to bundle coverage

  • Fairly low IQ Score

Very helpful in times of need.

Alessandra - July 14, 2023
Verified

I love it.

Jamaica - July 12, 2023
Verified
Read our Hugo review

Best insurer for seniors: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$73/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.
$85/mo

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. Seniors earn cheap rates with GEICO, paying $144 per month for liability insurance, on average.

Pros
  • A.M. Best financial strength rating of A++ (Superior)

  • At least 16 advertised discounts

Cons
  • Mixed customer reviews online

  • Gap insurance not available

Unwilling to work with clients. Especially senior citizens on a fixed income.

Janina - September 10, 2023
Verified

Awesome customer service, good prices, easy to deal with.

Kathleen - September 9, 2023
Verified

Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.

James - September 7, 2023
Verified
Read our GEICO review

Cheapest liability-only car insurance in Spring Hill

Liability-only car insurance tends to cost less than full-coverage policies, though that isn’t always the case. With liability-only coverage, your insurance covers you if you cause vehicle damages or injuries to another driver or their passengers.[1]

Insurers offering the cheapest liability-only policies in Spring Hill include Hugo, State Farm, and GEICO.

Insurance CompanyAverage Monthly Quote
Hugo$117
State Farm$140
GEICO$144
Mile Auto$204
Travelers$232
Allstate$244
Direct Auto$279
Mercury$346
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Spring Hill

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 typically requires 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. State Farm offers the cheapest full-coverage quote, at $131 per month.

Insurance CompanyAverage Monthly Quote
State Farm$131
GEICO$135
Allstate$228
Travelers$252
Mile Auto$252
Direct Auto$311
Mercury$316
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    This provides protection if you injure another driver or their passengers in a car accident.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

    This covers your car if an accident or other collision incident causes damage to your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    If a non-collision incident — including a weather event, theft, or fire — damages your vehicle, comprehensive coverage 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.”

For instance, drivers with a clean record pay around $140 per month for liability-only coverage with State Farm, but premiums increase to $188 with a speeding ticket.

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Cheapest car insurance for drivers with a speeding ticket

You’ll generally pay more for auto coverage if you have a speeding ticket. Fortunately, some Spring Hill insurers still offer affordable policies. Compare quotes below.

Insurance CompanyAverage Monthly Quote
Hugo$157
State Farm$188
GEICO$193
Mile Auto$273
Travelers$310
Allstate$327
Safeco$361
Direct Auto$374
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: How Long Do Speeding Tickets Stay on Your Record?

Learn More: How Long Do Speeding Tickets Stay on Your Record?

Cheapest car insurance for drivers with an at-fault accident

At-fault accidents will also increase your insurance costs — typically affecting costs more than a single speeding ticket. You’ll likely see more expensive coverage from every insurer with this type of incident on your record.

Compare insurance quotes from the cheapest insurers below.

Insurance CompanyAverage Monthly Quote
Hugo$168
State Farm$201
GEICO$206
Mile Auto$291
Travelers$331
Allstate$349
Safeco$385
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

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. 

Find the cheapest coverage options for Spring Hill drivers with a DUI below.

Insurance CompanyAverage Monthly Quote
Hugo$234
State Farm$279
GEICO$287
Mile Auto$405
Travelers$461
Allstate$486
Safeco$536
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Your car insurance costs can also vary by age. Drivers around the age of 35 start to benefit from decreased rates, thanks to their years of experience driving. This trend of decreasing rates typically continues until drivers reach the age of 75. Older drivers may begin to face slightly increased rates again.

Senior drivers in Spring Hill with clean driving records can expect to pay affordable auto insurance rates.

Insurance CompanyAverage Monthly Quote
Hugo$74
State Farm$88
GEICO$91
Mile Auto$128
Travelers$146
Allstate$154
Safeco$170
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

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.

Find the best coverage options for Spring Hill teenagers below.

Insurance CompanyAverage Monthly Quote
Hugo$173
State Farm$206
GEICO$212
Mile Auto$299
Travelers$341
Allstate$359
Safeco$396
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Keep Reading: What Are the Best Cars for Teens to Drive?

Keep Reading: What Are the Best Cars for Teens to Drive?

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 this guidance.

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Compare coverage

    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.

  • illustration card https://a.storyblok.com/f/162273/x/7955361cf0/customer-support-1.svg

    Look into available 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.

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Spring Hill car insurance quotes by credit tier

Your credit history will also affect your car insurance costs in Florida. For instance, drivers with excellent or good credit scores are likely to pay less for coverage than people 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 can affect your overall insurance costs in Spring Hill.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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. Floridans pay an average of $451 per month for coverage, while drivers in Indiana pay around $156 per month. And U.S. drivers pay $212 per month, on average.

Car insurance costs can also vary widely depending on where you live in Florida, but costs skew high in Spring Hill. For example, drivers in Spring Hill pay an average of $466 per month for coverage, but people in Sarasota pay around $348 per month. Even within Spring Hill, your ZIP code can result in higher or lower rates due to the area’s accident and crime rates.

More cities in Florida

Your car insurance costs may increase or decrease if you opt to move from Spring Hill to another city in Florida. For instance, coverage in Miami costs around 8% more than rates in Spring Hill, but coverage in Fort Myers is 21% less expensive. Here’s what you can expect to pay for insurance in different Florida cities.

CityAverage Monthly QuoteCompared to Spring Hill
Fort Lauderdale$5653%
Fort Myers$435-21%
Hollywood$5734%
Jacksonville$516-6%
Kissimmee$544-1%
Lakeland$511-7%
Miami$5948%
Ocala$442-20%
Orlando$5500%
Pompano Beach$5592%
Saint Petersburg$541-2%
Tampa$67823%
West Palm Beach$66621%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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?

    On average, Spring Hill drivers pay $466 per month for car insurance. Full-coverage insurance costs $551 per month, on average, and liability coverage is $359 per month. Your specific premium will ultimately depend on your driving record, credit history, age, coverage needs, insurer, location, and more.

  • Who has the cheapest car insurance in Spring Hill?

    State Farm offers the cheapest full-coverage insurance in Spring Hill, at $131 per month. Liability coverage from the company costs $140 per month. Hugo has the cheapest liability coverage, at $117 per month, on average.

    Other affordable coverage options include GEICO and Travelers. 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 (4.4), GEICO (4.2), and Travelers (4.2). State Farm has an A++ (Superior) financial strength rating from A.M. Best, affordable monthly coverage in Spring Hill ($131 for full coverage and $140 for liability), 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.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed June 21, 2023
  2. Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements." Accessed June 21, 2023
  3. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?." Accessed June 21, 2023
Jess Ullrich
Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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