Cheapest Car Insurance Quotes in Citrus Hills

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Citrus Hills Car Insurance

^$ 51

/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 Hills

The car insurance rate in Citrus Hills is $1381 for a six-month policy, which is $244 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $823, making it a popular choice for budget-conscious drivers. Rates in Citrus Hills 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 Hills

$1381

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Citrus Hills

1st place: Travelers

At $823 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $919 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1005 for six months, making it the third cheapest auto insurance company in Citrus Hills.

Citrus Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Citrus Hills, FL is Travelers, offering policies at just $823 for a six-month term. This is followed by State Farm, which has an average six-month premium of $919.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2030 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Citrus Hills drivers find the best deals.

Cheap Car Insurance Companies in Citrus Hills, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$823	$139
State Farm	$919	$155
Nationwide	$1005	$169
Progressive	$1065	$179
United Automobile Ins Group	$1161	$194
UAIC	$1272	$217
Allstate	$2075	$346
Mercury	$2191	$372
MetLife	$1278	$218
Farmers	$2030	$338

Key Takeaways

Way's key takeaways about car insurance in Citrus Hills

The auto insurance costs in Citrus Hills fall around $823 for six months.
The cheapest auto insurance company in Citrus Hills is Travelers.
Teen drivers pay the highest rate in Citrus Hills at $1174 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Citrus Hills

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 Hills are given below.

Travelers provides the cheapest minimum car insurance coverage in Citrus Hills. Their Average 6 Month Premium is $303. Farmers is the most expensive at $560 for the same period.

Cheapest Liability Coverage in Citrus Hills, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$303	$51
State Farm	$328	$55
Mercury	$364	$61
Nationwide	$404	$69
MetLife	$424	$71
AIG	$474	$81
Progressive	$596	$100
United Automobile Ins Group	$611	$104
UAIC	$661	$111
Allstate	$757	$128
Patrons Insurance	$106	$18
Farmers	$560	$94

Cheapest Full Coverage Car Insurance in Citrus Hills

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 Hills is Travelers at $139 per month and $823 for six months.

Cheapest Full Coverage Car Insurance Quotes in Citrus Hills, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$823	$139
State Farm	$919	$155
Nationwide	$1005	$169
Progressive	$1065	$179
United Automobile Ins Group	$1161	$194
UAIC	$1272	$217
Allstate	$2075	$346
Mercury	$2191	$372
MetLife	$1278	$218
Farmers	$2030	$338

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Average Car Insurance in Citrus Hills 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 Hills, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Citrus Hills, 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, Citrus Hills'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 Hills

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

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Cheapest Car Insurance Rates for Teen Drivers in Citrus Hills,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Citrus Hills at $77 per month. At $6902 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$460	$77
AIG	$621	$105
Travelers	$1353	$228
State Farm	$1626	$274
UAIC	$2166	$365
United Automobile Ins Group	$2863	$487
Allstate	$3534	$595
Progressive	$4549	$766
Mercury	$5382	$906
Farmers	$6902	$1174

Teen Car Insurance Rates in FL by Age

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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Citrus Hills, Nationwide is the cheapest car insurance provider. At $550 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 Citrus Hills is Farmers, offering rates of around $2808 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$550	$94
Mercury	$601	$100
Direct General Insurance	$626	$106
UAIC	$1217	$203
Travelers	$1333	$224
Progressive	$2343	$390
Allstate	$4110	$699
State Farm	$4206	$701
Farmers	$2808	$478

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Car Insurance Rates with An Accident in Citrus Hills

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 Hills, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Citrus Hills include Nationwide and AIG, offering $581 and $742, respectively. Farmers is an expensive provider with an average six-month premium of $2832.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$581	$97
AIG	$742	$126
State Farm	$864	$145
Travelers	$879	$148
United Automobile Ins Group	$1510	$252
Mercury	$1560	$263
UAIC	$1580	$264
Progressive	$2070	$349
Allstate	$3686	$621
Farmers	$2832	$472

Citrus Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Citrus Hills FL. For example, the car insurance in Citrus Hills after a DUI increases to $798 for a six month policy. While the rate increases by $243 for a six-month policy in the case of a speeding ticket.

Citrus Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1550	$258
One Med/PIP claim	$1550	$264
Not-at-fault accident	$1676	$280
Two Med/PIP claims	$1722	$292
One comp claim	$1747	$292
Child safety restraint	$1752	$298
Failure to wear a seat belt	$1752	$292
Driving without lights	$1757	$298
Failure to show documents	$1757	$293
Speeding 6 - 10 MPH over limit	$1793	$305
Improper passing	$1798	$299
Passing school bus	$1798	$306
Wrong way/wrong lane	$1798	$299
Failure to stop at a red light	$1803	$307
Failure to yield	$1803	$300
Illegal turn	$1803	$307
Cell phone violation	$1808	$301
Driving with expired registration	$1808	$308
Following too closely	$1808	$301
Texting while driving	$1812	$309
Two comp claims	$1853	$309
Driving too slowly	$1863	$317
Speeding in school zone	$1863	$310
Speeding 11 - 15 MPH over limit	$1868	$318
In 65 MPH zone	$1934	$322
Speeding 16 - 20 MPH over limit	$1934	$329
Speeding 21 - 25 MPH over limit	$1944	$324
Open container	$1964	$334
Operating a vehicle without permission	$1964	$327
At-fault accident - less than $1000	$2131	$362
At-fault accident - $1000-$2000	$2166	$361
At-fault accident - greater than $2000	$2166	$368
Racing	$2343	$390
DUI	$2348	$400
Refusal to submit to a chemical test	$2348	$391
Driving with a suspended license	$2389	$406
Reckless driving	$2439	$406
Leaving scene of an accident/hit and run	$2464	$419

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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 Hills 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 Hills.

The cheapest car insurance premiums in Citrus Hills are offered by AIG at $546 for a six-month policy. However, it can be as expensive as $2308 with companies like Farmers.

Citrus Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$546	$93
Travelers	$893	$150
Progressive	$1025	$173
State Farm	$1232	$207
Allstate	$1666	$281
UAIC	$2141	$357
Farmers	$2308	$384

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 Hills are offered by Nationwide at $474. However, it can be as expensive as $2464 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Citrus Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$474	$79
State Farm	$601	$101
Travelers	$682	$115
Allstate	$1788	$301
UAIC	$1954	$326
Progressive	$2394	$407
Farmers	$2464	$419

Car Insurance Price Trends in Citrus Hills, Florida

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

The average cost of full coverage in the Citrus Hills dipped by $218 in January compared to $235 of December. In other words, there has been an decrease by $17 when you compare January and December.

The average cost of liability insurance in the Citrus Hills remained steady at $71 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Citrus Hills?

The car insurance in Citrus Hills is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Citrus Hills?

The cheapest car insurance in Citrus Hills is $139 per month for full coverage.

How much is car insurance in Citrus Hills for teenagers?

Car insurance for teenagers costs $460 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 Hills?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $232 per month to insure your car in Citrus Hills.

Is car insurance expensive in Citrus Hills?

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

Cheapest Car Insurance Quotes in Citrus Hills

Why you can trust Way?

How Much Is Car Insurance in Citrus Hills

Avg. Car Insurance in Citrus Hills

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Citrus Hills

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Citrus Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Citrus Hills, FL

Way's key takeaways about car insurance in Citrus Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Citrus Hills

Cheapest Liability Coverage in Citrus Hills, FL

Cheapest Full Coverage Car Insurance in Citrus Hills

Cheapest Full Coverage Car Insurance Quotes in Citrus Hills, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Citrus Hills by Rating Factor

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

Car Insurance Premiums by Age in Citrus Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Citrus Hills,FL

If you are in your twenties N/A is the best choice for car insurance in Citrus Hills.

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 Hills

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

Citrus Hills Car Insurance Rates by Violation

Citrus Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Citrus Hills after a DUI

Citrus Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Citrus Hills after Speeding ticket

Car Insurance Price Trends in Citrus Hills, Florida

Average Car Insurance Cost in Citrus Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Citrus Hills, FL

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

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