Cheapest Auto Insurance in Spring Hill, Florida (2024)

State Farm has the cheapest liability rates in Spring Hill, starting at $71 per month.

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.

Featured in

media logomedia logo
Katie Powers
Edited byKatie Powers
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.

Featured in

media logomedia logo

Updated May 23, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Spring Hill, Florida

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $83/mo for full coverage in Spring Hill and other Florida cities.

*Quotes generated for Insurify users in and around Spring Hill, Florida within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. 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 May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $251 per month versus $255 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 $223 per month for liability coverage and $279 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 $82 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
State Farm4.6$83$71Cheap rates
Hugo3.5$124$77Usage-based insurance
GEICO4.4$85$73Senior drivers
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.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: 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.
4.6
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 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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

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.
3.5
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.
$76/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.

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

Read our Hugo review
David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

Marlee - May 11, 2024
Verified

Great

I loved the pay options, such as daily, weekly, etc. That was great! However, if I wanted comprehensive or collision coverage, they don't offer it in Indiana.

Best insurer for senior drivers: 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.
4.4
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.
$72/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.
$84/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.

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

  • At least 16 advertised discounts

Cons
  • Mixed customer reviews online

  • Gap insurance not available

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

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 $71/mo.

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest liability-only car insurance in Spring Hill: State Farm

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 $223 per month. Here are the cheapest insurers in the area to start your search.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm71
GEICO72
Hugo76
Allstate123
Safeco129
Mile Auto130
Mercury145
Travelers146
Liberty Mutual150
Direct Auto157
Midvale Home & Auto172
Progressive180
Infinity196
Foremost208
Dairyland215
GAINSCO219
AssuranceAmerica239
Bristol West269
National General302
The General315
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: 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 $279 per month. The table below shows the cheapest full-coverage insurers.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm82
GEICO84
Hugo136
Allstate142
Safeco163
Travelers169
Mercury174
Mile Auto180
GAINSCO229
Liberty Mutual250
Progressive256
Midvale Home & Auto260
Infinity261
Direct Auto273
Foremost311
National General311
AssuranceAmerica356
Dairyland380
Bristol West392
The General456
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.

Estimate your Spring Hill car insurance costs

Select discounts that apply to you
Save 26%
Save 4%
Save 20%
Save 38%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

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 coverage

    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 coverage

    Collision insurance 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 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.”

Compare Car Insurance Rates in Spring Hill

See custom quotes from top auto insurers in minutes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest car insurance for drivers with a speeding ticket: State Farm

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 $266 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 are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm7183
GEICO7285
Hugo7695
Allstate123144
Safeco129155
Mile Auto130166
Mercury145184
Travelers146173
Liberty Mutual150197
Direct Auto157187
Midvale Home & Auto172210
Progressive180212
Infinity196241
Foremost208273
Dairyland215255
GAINSCO219287
AssuranceAmerica239288
Bristol West269314
National General302396
The General315376
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 an at-fault accident: State Farm

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 $288 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 are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm7189
GEICO7291
Hugo7693
Allstate123155
Safeco129157
Mile Auto130181
Mercury145195
Travelers146185
Liberty Mutual150208
Direct Auto157203
Midvale Home & Auto172230
Progressive180231
Infinity196244
Foremost208288
Dairyland215271
GAINSCO219267
AssuranceAmerica239303
Bristol West269334
National General302379
The General315406
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: State Farm

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 $332 per month for Spring Hill drivers with a DUI on their record. Find the cheapest coverage options below.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm71112
GEICO72114
Hugo76120
Allstate123195
Safeco129204
Mile Auto130186
Mercury145206
Travelers146231
Liberty Mutual150238
Direct Auto157249
Midvale Home & Auto172273
Progressive180285
Infinity196311
Foremost208330
Dairyland215341
GAINSCO219347
AssuranceAmerica239379
Bristol West269426
National General302479
The General315499
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: Hugo

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 $185 per month for liability coverage and $232 per month for full coverage.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo5497
State Farm5564
GEICO5767
Allstate99114
Mile Auto99137
Safeco104131
Mercury110132
Travelers115133
Liberty Mutual119198
Direct Auto121211
Progressive130185
Midvale Home & Auto131198
Infinity148198
Foremost163243
Dairyland173305
GAINSCO179187
AssuranceAmerica182271
Bristol West216315
National General243250
The General259375
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: GEICO

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 $343 per month for liability coverage and $429 per month for full coverage. Find the best coverage options for Spring Hill teenagers below.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
GEICO104121
State Farm111128
Hugo123220
Allstate199230
Mile Auto234325
Travelers243282
Mercury245294
Safeco253319
Liberty Mutual259432
Direct Auto266462
Midvale Home & Auto277418
Progressive302429
Dairyland332588
Infinity333443
Foremost341510
GAINSCO363380
AssuranceAmerica412614
Bristol West423616
The General469679
National General523539
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?

Shop for Spring Hill Car Insurance Online

Save up to $717 when you compare rates with Insurify

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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

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. Floridians pay an overall average of $255 per month for coverage, while U.S. drivers pay an overall average of $160 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 $223 per month for liability coverage and $279 per month for full coverage. Here’s what drivers pay for insurance in different Florida cities, on average.

CityFull CoverageLiability Only
Cape Coral$265$200
Clearwater$279$239
Daytona Beach$279$185
Fort Lauderdale$348$264
Fort Myers$274$194
Gainesville$237$163
Jacksonville$287$205
Jupiter$244$223
Miami$387$283
Orlando$306$222
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?

    The average cost of car insurance in Spring Hill is $223 per month for liability coverage and $279 per month for full coverage.

  • Which company has the cheapest car insurance in Spring Hill?

    State Farm, GEICO, and Hugo are the cheapest minimum-coverage insurers in Spring Hill, with rates starting at $71, $72, and $76 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.

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."
  2. Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  3. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
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.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all