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

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.

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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

Best insurer for usage-based insurance: Hugo

Best insurer for seniors: GEICO

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.

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.

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.

Beyond the required insurance, you may want to purchase additional coverage for more protection. You should consider these common optional coverages:

• 

  Bodily injury liability

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

• 

  Collision

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

• 

  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.

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.

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.

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.

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.

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.

• 

  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 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.

• 

  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.

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.

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