Cheapest Car Insurance Quotes in Citrus

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Citrus Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Citrus

The car insurance rate in Citrus is $1132 for a six-month policy, which is $121 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $719, making it a popular choice for budget-conscious drivers. Rates in Citrus can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Citrus

$1132

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Citrus

1st place: CSAA

At $719 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $912 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $964 for six months, making it the third cheapest auto insurance company in Citrus.

Citrus Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Citrus, CA is CSAA, offering policies at just $719 for a six-month term. This is followed by USAA, which has an average six-month premium of $912.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $865 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Citrus drivers find the best deals.

Cheap Car Insurance Companies in Citrus, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$719	$121
USAA	$912	$153
Mercury	$964	$162
AAA SoCal	$1057	$180
Progressive	$1111	$187
Allstate	$1217	$205
Wawanesa	$1224	$206
AAA NorCal	$1238	$211
Auto Club	$1277	$213
State Farm	$1351	$227
AAA	$1537	$256
Kemper	$1590	$270
Farmers	$1776	$296
Capital Insurance Group	$792	$132
National General	$805	$137
State National	$819	$137
Hartford	$865	$147

Key Takeaways

Way's key takeaways about car insurance in Citrus

The auto insurance costs in Citrus fall around $719 for six months.
The cheapest auto insurance company in Citrus is CSAA.
Teen drivers pay the highest rate in Citrus at $75 per month.

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Cheapest Minimum Liability Car Insurance in Citrus

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Citrus are given below.

CSAA provides the cheapest minimum car insurance coverage in Citrus. Their Average 6 Month Premium is $172. 21st Century is the most expensive at $452 for the same period.

Cheapest Liability Coverage in Citrus, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$172	$29
AAA	$306	$52
USAA	$319	$54
AAA NorCal	$333	$56
AAA SoCal	$380	$65
Progressive	$386	$65
Auto Club	$392	$67
State Farm	$405	$68
Wawanesa	$412	$69
Mercury	$439	$74
Allstate	$473	$80
Farmers	$566	$94
Kemper	$312	$53
Capital Insurance Group	$339	$58
State National	$360	$62
National General	$446	$74
21st Century	$452	$77

Cheapest Full Coverage Car Insurance in Citrus

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Citrus is CSAA at $121 per month and $719 for six months.

Cheapest Full Coverage Car Insurance Quotes in Citrus, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$719	$121
USAA	$912	$153
Mercury	$964	$162
AAA SoCal	$1057	$180
Progressive	$1111	$187
Allstate	$1217	$205
Wawanesa	$1224	$206
AAA NorCal	$1238	$211
Auto Club	$1277	$213
State Farm	$1351	$227
AAA	$1537	$256
Kemper	$1590	$270
Farmers	$1776	$296
Capital Insurance Group	$792	$132
National General	$805	$137
State National	$819	$137
Hartford	$865	$147

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Average Car Insurance in Citrus by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Citrus, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Citrus, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Citrus's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Citrus

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$655
30s	Wawanesa	$529
40s	Wawanesa	$529
50s	Wawanesa	$529
60s	Wawanesa	$529
70s	Wawanesa	$517

Cheapest Car Insurance Rates for Teen Drivers in Citrus,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Citrus at $44 per month. At $439 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$260	$44
Capital Insurance Group	$586	$97
USAA	$1397	$235
Mercury	$1417	$239
Wawanesa	$1557	$264
Progressive	$1630	$274
CSAA	$1962	$330
State Farm	$2328	$392
AAA SoCal	$2521	$429
Allstate	$2701	$455
Auto Club	$2881	$489
AAA NorCal	$3838	$640
Farmers	$3919	$666
State National	$419	$69
Marcury	$439	$75

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Citrus.

As young drivers face the highest rates in Citrus, Wawanesa offers the cheapest auto insurance rates at $655 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Citrus.

Car Insurance Rates with An Accident in Citrus

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Citrus, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Citrus

The cheapest car insurance companies after an at-fault accident in Citrus include AAA and Capital Insurance Group, offering $426 and $612, respectively. 21st Century is an expensive provider with an average six-month premium of $765.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$426	$72
Capital Insurance Group	$612	$104
CSAA	$819	$138
USAA	$1224	$206
Progressive	$1417	$239
Mercury	$1503	$255
Wawanesa	$1729	$288
AAA SoCal	$1817	$309
Auto Club	$1916	$319
Farmers	$1969	$332
State Farm	$2342	$394
AAA NorCal	$2508	$427
Allstate	$3014	$507
State National	$505	$84
Hartford	$586	$100
National General	$672	$112
Nationwide	$725	$123
21st Century	$765	$128

Citrus Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Citrus CA. For example, the car insurance in Citrus after a DUI increases to $1949 for a six month policy. While the rate increases by $512 for a six-month policy in the case of a speeding ticket.

Citrus auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1217	$203
Not-at-fault accident	$1217	$207
One comp claim	$1217	$203
One Med/PIP claim	$1217	$207
Two comp claims	$1217	$203
Two Med/PIP claims	$1217	$207
At-fault accident - less than $1000	$1244	$207
Failure to show documents	$1604	$272
Driving with expired registration	$1636	$273
Driving without lights	$1636	$278
Failure to wear a seat belt	$1643	$274
Child safety restraint	$1656	$281
Speeding 11 - 15 MPH over limit	$1723	$287
Speeding 16 - 20 MPH over limit	$1723	$293
Driving too slowly	$1729	$288
Failure to stop at a red light	$1729	$295
Failure to yield	$1729	$288
Following too closely	$1729	$295
Illegal turn	$1729	$288
In 65 MPH zone	$1729	$295
Speeding 21 - 25 MPH over limit	$1729	$288
Speeding 6 - 10 MPH over limit	$1729	$295
Speeding in school zone	$1729	$288
Improper passing	$1736	$296
Cell phone violation	$1743	$290
Texting while driving	$1743	$297
Passing school bus	$1763	$293
Wrong way/wrong lane	$2062	$351
Operating a vehicle without permission	$2109	$352
At-fault accident - $1000-$2000	$2122	$361
At-fault accident - greater than $2000	$2122	$354
Open container	$2129	$362
Driving with a suspended license	$2468	$411
Reckless driving	$3007	$512
Racing	$3041	$506
Leaving scene of an accident/hit and run	$3053	$520
DUI	$3166	$528
Refusal to submit to a chemical test	$3166	$539

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Citrus after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Citrus.

The cheapest car insurance premiums in Citrus are offered by AAA at $838 for a six-month policy. However, it can be as expensive as $706 with companies like Kemper.

Citrus car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$838	$142
Capital Insurance Group	$912	$152
Mercury	$1084	$183
Progressive	$1604	$270
Wawanesa	$1949	$332
Farmers	$2069	$348
USAA	$2202	$371
CSAA	$2328	$392
AAA SoCal	$3367	$572
Auto Club	$3852	$642
AAA NorCal	$4437	$755
State Farm	$4736	$797
Allstate	$4876	$821
Travelers	$939	$157
National General	$439	$73
Kemper	$706	$118

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Citrus are offered by CSAA at $106. However, it can be as expensive as $505 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Citrus after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$106	$18
Capital Insurance Group	$586	$97
Mercury	$998	$168
USAA	$1045	$174
Progressive	$1124	$189
AAA NorCal	$1557	$260
AAA SoCal	$1670	$284
Allstate	$1717	$286
State Farm	$1817	$309
Farmers	$2514	$419
AAA	$326	$55
Kemper	$412	$71
National General	$439	$73
State National	$505	$86

Car Insurance Price Trends in Citrus, California

Car insurance rates in Citrus have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Citrus rose by $215 in December compared to $213 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Citrus rose to $60 in December, compared to $58 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Citrus?

The car insurance in Citrus is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Citrus?

The cheapest car insurance in Citrus is $121 per month for full coverage.

How much is car insurance in Citrus for teenagers?

Car insurance for teenagers costs $260 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Citrus?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $190 per month to insure your car in Citrus.

Is car insurance expensive in Citrus?

Car insurance can be expensive in Citrus if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Citrus can be affordable.

Cheapest Car Insurance Quotes in Citrus

Why you can trust Way?

How Much Is Car Insurance in Citrus

Avg. Car Insurance in Citrus

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Citrus

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Citrus Car Insurance Rates by Company

Cheap Car Insurance Companies in Citrus, CA

Way's key takeaways about car insurance in Citrus

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Citrus

Cheapest Liability Coverage in Citrus, CA

Cheapest Full Coverage Car Insurance in Citrus

Cheapest Full Coverage Car Insurance Quotes in Citrus, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Citrus by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Citrus, CA increasing?

Car Insurance Premiums by Age in Citrus

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Citrus,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Citrus.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Citrus

Cheapest Car Insurance Companies after an At-Fault Accident in Citrus

Citrus Car Insurance Rates by Violation

Citrus auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Citrus after a DUI

Citrus car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Citrus after Speeding ticket

Car Insurance Price Trends in Citrus, California

Average Car Insurance Cost in Citrus by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Citrus, CA

Car Insurance Rates by State in the USA (2025 Update)

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