Cheapest Auto Insurance in Spring Hill, Florida (2024)
State Farm has the cheapest liability rates in Spring Hill, starting at $70 per month.
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Written byJess Ullrich
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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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Edited byKatie Powers
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Licensed auto and home insurance agent
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Updated September 19, 2024
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Table of contents
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 $231 per month versus $211 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 $200 per month for liability coverage and $262 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 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 | $83 | $66 | Cheap rates |
| Hugo | 7.0 | N/A | $337 | Usage-based insurance |
| GEICO | 9.0 | $85 | $68 | Senior 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 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 28,000 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 | 4.2 |
|---|---|
| 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. | $70/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 |
4.2
Best choiceBased on 7723 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,213)
Robert
September 19, 2024
Verified Review
Costs Keep Rising
Stay away, I have never had a claim yet my costs keep rising. I guess they don't have a good loyalty program for safe drivers.
John
September 19, 2024
Verified Review
My ex-wife was a friend of the agent. A tree fell on her car and totaled it. The insurance company issued her a check for $6,000, while I was the one making the monthly payments.
My ex-wife was a friend of the agent. A tree fell on her car and totaled it. The insurance company issued her a check for $6,000, while I was the one making the monthly payments.
Wilda
September 19, 2024
Verified Review
Excellent
You should be careful not to get into accidents or speed, because they will drop you immediately.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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 | 4.0 |
|---|---|
| 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. | 7.0 /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. | $76/mo |
4.0
Best choiceBased on 76 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (32)
Sheila
September 10, 2024
Verified Review
Great in a Pinch
It's good when you need it on the spot and don't have a lot of money because you pay daily. However, it's very expensive in the long run.
William
August 26, 2024
Verified Review
Hugo: The Good and the Bad
It was okay at the start, but the price increase was off-putting.
Alfred
August 22, 2024
Verified Review
Bring Back Full Coverage
Hugo is good in a pinch, but not for the long term. Plus, there are no full coverage policies for Illinois.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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. | 9.0 /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. | $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. | $85/mo |
4.0
Best choiceBased on 9338 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,159)
Darrin
September 19, 2024
Verified Review
Good Insurance Company, Bad Pricing
Poor.
Tony
September 19, 2024
Verified Review
My Insurance Goes Up Every Couple of Months
It is good.
Harri
September 19, 2024
Verified Review
Crazy Expensive with Geico Despite Excellent Driving Record
It's very expensive. Despite having an excellent driving history for many years, they keep increasing my rates insanely.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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
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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 $200 per month. Here are the cheapest insurers in the area to start your search.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $70 |
| GEICO | $72 |
| Hugo | $76 |
| Mile Auto | $121 |
| Allstate | $122 |
| Safeco | $137 |
| Travelers | $145 |
| Mercury | $146 |
| Liberty Mutual | $151 |
| Direct Auto | $156 |
| Midvale Home & Auto | $178 |
| Progressive | $182 |
| Infinity | $188 |
| Foremost | $207 |
| Dairyland | $216 |
| GAINSCO | $218 |
| AssuranceAmerica | $242 |
| Bristol West | $259 |
| National General | $293 |
| The General | $311 |
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 $262 per month. The table below shows the cheapest full-coverage insurers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $82 |
| GEICO | $85 |
| Allstate | $143 |
| Safeco | $166 |
| Mile Auto | $169 |
| Travelers | $170 |
| Mercury | $176 |
| GAINSCO | $242 |
| Hugo | $254 |
| Liberty Mutual | $256 |
| Progressive | $257 |
| Infinity | $261 |
| Midvale Home & Auto | $267 |
| Direct Auto | $281 |
| National General | $305 |
| Foremost | $314 |
| Dairyland | $380 |
| AssuranceAmerica | $384 |
| Bristol West | $384 |
| The General | $450 |
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 recent rates near Spring Hill, Florida
Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $80/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 September 19, 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 September 19, 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 September 19, 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 September 19, 2024. 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: 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 $243 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $70 | $83 |
| GEICO | $72 | $86 |
| Hugo | $76 | $90 |
| Mile Auto | $121 | $150 |
| Allstate | $122 | $146 |
| Safeco | $137 | $167 |
| Travelers | $145 | $175 |
| Mercury | $146 | $189 |
| Liberty Mutual | $151 | $197 |
| Direct Auto | $156 | $187 |
| Progressive | $182 | $218 |
| Infinity | $188 | $235 |
| Foremost | $207 | $270 |
| Dairyland | $216 | $260 |
| GAINSCO | $218 | $284 |
| AssuranceAmerica | $242 | $294 |
| Bristol West | $259 | $311 |
| National General | $293 | $353 |
| The General | $311 | $378 |
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 $262 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $70 | $89 |
| GEICO | $72 | $93 |
| Hugo | $76 | $105 |
| Mile Auto | $121 | $164 |
| Allstate | $122 | $157 |
| Safeco | $137 | $172 |
| Travelers | $145 | $188 |
| Mercury | $146 | $201 |
| Liberty Mutual | $151 | $209 |
| Direct Auto | $156 | $205 |
| Progressive | $182 | $237 |
| Infinity | $188 | $238 |
| Foremost | $207 | $286 |
| Dairyland | $216 | $276 |
| GAINSCO | $218 | $268 |
| AssuranceAmerica | $242 | $309 |
| Bristol West | $259 | $330 |
| National General | $293 | $379 |
| The General | $311 | $407 |
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 $302 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $70 | $111 |
| GEICO | $72 | $114 |
| Hugo | $76 | $120 |
| Mile Auto | $121 | $191 |
| Allstate | $122 | $193 |
| Safeco | $137 | $217 |
| Travelers | $145 | $229 |
| Mercury | $146 | $210 |
| Liberty Mutual | $151 | $239 |
| Direct Auto | $156 | $247 |
| Progressive | $182 | $288 |
| Infinity | $188 | $297 |
| Foremost | $207 | $327 |
| Dairyland | $216 | $341 |
| GAINSCO | $218 | $345 |
| AssuranceAmerica | $242 | $383 |
| Bristol West | $259 | $409 |
| National General | $293 | $463 |
| The General | $311 | $492 |
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: 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 $160 per month for liability coverage and $209 per month for full coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $54 | $63 |
| GEICO | $57 | $67 |
| Hugo | $59 | $198 |
| Mile Auto | $90 | $126 |
| Allstate | $96 | $113 |
| Mercury | $111 | $134 |
| Travelers | $112 | $131 |
| Safeco | $113 | $137 |
| Direct Auto | $120 | $216 |
| Liberty Mutual | $124 | $210 |
| Progressive | $128 | $181 |
| Infinity | $140 | $195 |
| Foremost | $162 | $245 |
| Dairyland | $170 | $298 |
| AssuranceAmerica | $180 | $286 |
| GAINSCO | $180 | $200 |
| Bristol West | $204 | $303 |
| National General | $221 | $230 |
| The General | $249 | $361 |
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 $325 per month for liability coverage and $426 per month for full coverage. Find the best coverage options for Spring Hill teenagers below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| GEICO | $110 | $130 |
| State Farm | $115 | $135 |
| Hugo | $120 | $400 |
| Allstate | $208 | $244 |
| Mile Auto | $227 | $318 |
| Mercury | $253 | $305 |
| Travelers | $253 | $296 |
| Liberty Mutual | $258 | $438 |
| Safeco | $265 | $322 |
| Direct Auto | $275 | $495 |
| Progressive | $313 | $442 |
| Infinity | $331 | $459 |
| Dairyland | $341 | $601 |
| Foremost | $356 | $539 |
| GAINSCO | $367 | $408 |
| Bristol West | $422 | $626 |
| AssuranceAmerica | $431 | $685 |
| The General | $477 | $690 |
| National General | $560 | $583 |
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?
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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
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 $211 per month for coverage, while U.S. drivers pay an overall average of $158 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 $200 per month for liability coverage and $262 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 | $248 | $180 |
| Clearwater | $264 | $218 |
| Daytona Beach | $254 | $173 |
| Fort Lauderdale | $325 | $249 |
| Fort Myers | $250 | $174 |
| Gainesville | $216 | $156 |
| Jacksonville | $266 | $187 |
| Jupiter | $234 | $204 |
| Miami | $373 | $258 |
| Orlando | $289 | $202 |
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 $200 per month for liability coverage and $262 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 $70, $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
- 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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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?."
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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.
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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