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Citra Car Insurance
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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.
The car insurance rate in Citra is $1393 for a six-month policy, which is $208 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $889, making it a popular choice for budget-conscious drivers. Rates in Citra 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.
At $889 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.
State Farm offers auto insurance rates at $946 for a six-month policy, making it one of the cheapest to insure with.
Nationwide offers auto insurance rates at $1101 for six months, making it the third cheapest auto insurance company in Citra.
Based on our research, the cheapest car insurance company in Citra, FL is Travelers, offering policies at just $889 for a six-month term. This is followed by State Farm, which has an average six-month premium of $946.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $832 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Citra drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $889 | $150 |
| State Farm | $946 | $159 |
| Nationwide | $1101 | $185 |
| United Automobile Ins Group | $1188 | $198 |
| Progressive | $1241 | $209 |
| UAIC | $1241 | $207 |
| MetLife | $1308 | $223 |
| Farmers | $2078 | $346 |
| Mercury | $2243 | $381 |
| Allstate | $2259 | $380 |
| Metropolitan Group | $832 | $138 |
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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 Citra are given below.
Patrons Insurance provides the cheapest minimum car insurance coverage in Citra. Their Average 6 Month Premium is $109. Metropolitan Group is the most expensive at $331 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Patrons Insurance | $109 | $18 |
| Travelers | $331 | $56 |
| State Farm | $351 | $59 |
| Mercury | $372 | $63 |
| Nationwide | $413 | $70 |
| Farmers | $573 | $96 |
| AIG | $584 | $99 |
| Progressive | $610 | $103 |
| United Automobile Ins Group | $626 | $106 |
| UAIC | $677 | $113 |
| Allstate | $780 | $131 |
| Metropolitan Group | $331 | $55 |
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 Citra is Travelers at $150 per month and $889 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $889 | $150 |
| State Farm | $946 | $159 |
| Nationwide | $1101 | $185 |
| United Automobile Ins Group | $1188 | $198 |
| Progressive | $1241 | $209 |
| UAIC | $1241 | $207 |
| MetLife | $1308 | $223 |
| Farmers | $2078 | $346 |
| Mercury | $2243 | $381 |
| Allstate | $2259 | $380 |
| Metropolitan Group | $832 | $138 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Citra, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Citra's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Travelers | $1128 |
| 40s | Travelers | $852 |
| 50s | Travelers | $794 |
| 60s | Travelers | $783 |
If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Citra at $78 per month. At $7064 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $471 | $78 |
| AIG | $636 | $108 |
| Travelers | $1442 | $243 |
| State Farm | $1897 | $319 |
| UAIC | $2821 | $471 |
| United Automobile Ins Group | $2930 | $499 |
| Allstate | $4444 | $748 |
| Mercury | $5509 | $927 |
| Progressive | $5886 | $991 |
| Farmers | $7064 | $1201 |
Teen Car Insurance Rates in FL by Age
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.
For those with poor credit scores in Citra, Nationwide is the cheapest car insurance provider. At $563 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Citra is Allstate, offering rates of around $4517 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $563 | $96 |
| Mercury | $615 | $103 |
| Direct General Insurance | $641 | $109 |
| Travelers | $1220 | $205 |
| UAIC | $1241 | $211 |
| Progressive | $2398 | $399 |
| Farmers | $2874 | $489 |
| State Farm | $4305 | $718 |
| Allstate | $4517 | $768 |
Save up to $971/yr on car insurance rates in Citra.
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 Citra, FL, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Citra include Nationwide and AIG, offering $594 and $760, respectively. National General is an expensive provider with an average six-month premium of $920.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $594 | $99 |
| AIG | $760 | $129 |
| Travelers | $858 | $144 |
| State Farm | $884 | $149 |
| United Automobile Ins Group | $1545 | $258 |
| Mercury | $1596 | $269 |
| UAIC | $1617 | $270 |
| Progressive | $2118 | $357 |
| Farmers | $2899 | $483 |
| Allstate | $3922 | $660 |
| National General | $920 | $157 |
Here is a list of driving violations that can increase your car insurance rates in Citra FL. For example, the car insurance in Citra after a DUI increases to $816 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1587 | $264 |
| One Med/PIP claim | $1587 | $270 |
| Not-at-fault accident | $1716 | $286 |
| Two Med/PIP claims | $1763 | $299 |
| One comp claim | $1788 | $298 |
| Child safety restraint | $1793 | $305 |
| Failure to wear a seat belt | $1793 | $299 |
| Driving without lights | $1798 | $305 |
| Failure to show documents | $1798 | $300 |
| Speeding 6 - 10 MPH over limit | $1835 | $312 |
| Improper passing | $1840 | $306 |
| Passing school bus | $1840 | $313 |
| Wrong way/wrong lane | $1840 | $306 |
| Failure to stop at a red light | $1845 | $314 |
| Failure to yield | $1845 | $307 |
| Illegal turn | $1845 | $314 |
| Cell phone violation | $1850 | $308 |
| Driving with expired registration | $1850 | $315 |
| Following too closely | $1850 | $308 |
| Texting while driving | $1855 | $316 |
| Two comp claims | $1897 | $316 |
| Driving too slowly | $1907 | $325 |
| Speeding in school zone | $1907 | $318 |
| Speeding 11 - 15 MPH over limit | $1912 | $325 |
| In 65 MPH zone | $1979 | $330 |
| Speeding 16 - 20 MPH over limit | $1979 | $337 |
| Speeding 21 - 25 MPH over limit | $1990 | $331 |
| Open container | $2011 | $342 |
| Operating a vehicle without permission | $2011 | $335 |
| At-fault accident - less than $1000 | $2181 | $371 |
| At-fault accident - $1000-$2000 | $2217 | $370 |
| At-fault accident - greater than $2000 | $2217 | $377 |
| Racing | $2398 | $399 |
| DUI | $2403 | $409 |
| Refusal to submit to a chemical test | $2403 | $400 |
| Driving with a suspended license | $2445 | $416 |
| Reckless driving | $2496 | $416 |
| Leaving scene of an accident/hit and run | $2522 | $429 |
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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.
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 Citra.
The cheapest car insurance premiums in Citra are offered by AIG at $559 for a six-month policy. However, it can be as expensive as $693 with companies like National General.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AIG | $559 | $93 |
| Travelers | $889 | $150 |
| State Farm | $1080 | $182 |
| Progressive | $1090 | $184 |
| Allstate | $1984 | $334 |
| UAIC | $2186 | $371 |
| Farmers | $2362 | $393 |
| National General | $693 | $116 |
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 Citra are offered by Nationwide at $485. However, it can be as expensive as $2522 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $485 | $83 |
| State Farm | $626 | $105 |
| Travelers | $749 | $126 |
| UAIC | $1241 | $207 |
| Allstate | $1422 | $239 |
| Progressive | $2051 | $342 |
| Farmers | $2522 | $429 |
Car insurance rates in Citra have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Citra remained steady at $240 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Citra remained steady at $73 in both December and November, indicating no change over the two month period.
How much is car insurance in Citra?
The car insurance in Citra is $18 per month, which is lower than the national average.
What is the cheapest car insurance in Citra?
The cheapest car insurance in Citra is $150 per month for full coverage.
How much is car insurance in Citra for teenagers?
Car insurance for teenagers costs $471 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 Citra?
The average cost of car insurance is $1601 for a six-month policy. It will cost around $234 per month to insure your car in Citra.
Is car insurance expensive in Citra?
Car insurance can be expensive in Citra if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Citra can be affordable.
What is the best car insurance in Citra, FL?
The best car insurance company in Citra FL is Travelers, offering $889 for a six-month policy.
Cut auto insurance costs in Citra right now.