Cheapest Auto Insurance in Spring Hill, Florida (2024)

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 $264 per month versus $256 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.

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.

Best insurer for cheap rates: State Farm

Best insurer for usage-based insurance: Hugo

Best insurer for senior drivers: GEICO

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.

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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 $226 per month. Here are the cheapest insurers in the area to start your search.

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 $303 per month. The table below shows the cheapest full-coverage insurers.

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 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: 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 $268 per month for liability car insurance if they have a speeding ticket on their record. You can compare quotes from cheapest insurers below.

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 $290 per month for Spring Hill drivers with an at-fault accident on their record. Compare insurance quotes from the cheapest insurers below.

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 $335 per month for Spring Hill drivers with a DUI on their record. Find the cheapest coverage options below.

Cheapest car insurance for seniors: State Farm

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 $189 per month for liability coverage and $253 per month for full coverage.

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 $346 per month for liability coverage and $464 per month for full coverage. Find the best coverage options for Spring Hill teenagers below.

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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.

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 $256 per month for coverage, while U.S. drivers pay an overall average of $159 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 $226 per month for liability coverage and $303 per month for full coverage. Here’s what drivers pay for insurance in different Florida cities, on average.

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