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How much is car insurance in Spring Hill?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Spring Hill are slightly less expensive than the rest of Florida.
Drivers relocating the Spring Hill should take note of the differences in average rates. It's around $40 more expensive for coverage in Spring Hill than the average rates seen in the rest of the U.S.
Although these are the average car insurance rates in Spring Hill, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Spring Hill and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates begin to go back up in Spring Hill.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While female drivers pay a little bit less than male drivers on their monthly auto coverage, the difference in Spring Hill is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Spring Hill, having a single accident on your record will usually get you rates around $164 a month. In addition, drivers with a single ticket on their record can expect to pay around $114 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$107|
|15 Years or Older||$115|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Spring Hill, with drivers paying around $119 per month for insurance coverage.
Car owners, on the other hand, by and large pay around $122 per month, while truck and van drivers can expect to pay about $121 a month for car insurance.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Spring Hill, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$123|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Spring Hill is no exception, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$177|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $28 a month more than if you own your own home in Spring Hill. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Spring Hill, FL
Recent trends in car insurance for Spring Hill drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Spring Hill, the rates for car insurance declined from 2017-2019, when they reached a low of $103. This changed in 2020, when they began to increase again. They finished down in 2022, at $73 per month
How does Spring Hill compare to neighboring areas?
Why are car insurance rates in Spring Hill different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Amount of drivers in the region
- Off-street parking access
- Frequency of car accidents
- Local regulations
- Regional crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Spring Hill?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Spring Hill.
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Spring Hill Insurance FAQs
What factors affect car insurance quotes in Spring Hill?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Spring Hill different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Spring Hill?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Spring Hill?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Spring Hill or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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