Cheapest Car Insurance Quotes in Citrus Hills

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Citrus Hills Car Insurance

^$ 60

/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 $1420 for a six-month policy, which is $291 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $897, 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

$1420

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Citrus Hills

1st place: Travelers

At $897 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 $937 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $981 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 $897 for a six-month term. This is followed by State Farm, which has an average six-month premium of $937.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1982 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	$897	$151
State Farm	$937	$158
Nationwide	$981	$165
United Automobile Ins Group	$1134	$193
UAIC	$1252	$211
Progressive	$1479	$249
Mercury	$2140	$357
Allstate	$2155	$363
MetLife	$1247	$212
Farmers	$1982	$330

Key Takeaways

Way's key takeaways about car insurance in Citrus Hills

The auto insurance costs in Citrus Hills fall around $897 for six months.
The cheapest auto insurance company in Citrus Hills is Mercury.
Teen drivers pay the highest rate in Citrus Hills at $1146 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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.

Mercury provides the cheapest minimum car insurance coverage in Citrus Hills. Their Average 6 Month Premium is $355. Farmers is the most expensive at $547 for the same period.

Cheapest Liability Coverage in Citrus Hills, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$355	$60
Nationwide	$394	$67
MetLife	$414	$69
AIG	$463	$79
United Automobile Ins Group	$597	$100
Travelers	$691	$116
State Farm	$1021	$172
Progressive	$1706	$287
Allstate	$1913	$322
UAIC	$2234	$380
Patrons Insurance	$104	$17
Farmers	$547	$91

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 $151 per month and $897 for six months.

Cheapest Full Coverage Car Insurance Quotes in Citrus Hills, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$897	$151
State Farm	$937	$158
Nationwide	$981	$165
United Automobile Ins Group	$1134	$193
UAIC	$1252	$211
Progressive	$1479	$249
Mercury	$2140	$357
Allstate	$2155	$363
MetLife	$1247	$212
Farmers	$1982	$330

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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 $75 per month. At $6740 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$449	$75
AIG	$607	$103
Travelers	$1622	$273
State Farm	$2002	$337
United Automobile Ins Group	$2795	$466
UAIC	$2864	$487
Allstate	$4260	$717
Mercury	$5256	$885
Progressive	$7726	$1301
Farmers	$6740	$1146

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 $537 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 $2741 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$537	$91
Mercury	$587	$98
Direct General Insurance	$612	$104
UAIC	$1257	$209
Travelers	$1489	$251
Progressive	$3979	$663
Allstate	$4260	$725
State Farm	$5334	$889
Farmers	$2741	$466

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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 $567 and $725, respectively. Farmers is an expensive provider with an average six-month premium of $2766.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$567	$95
AIG	$725	$123
State Farm	$917	$154
Travelers	$932	$157
United Automobile Ins Group	$1474	$246
Mercury	$1523	$256
UAIC	$1647	$275
Progressive	$2717	$457
Allstate	$3767	$634
Farmers	$2766	$461

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 $778 for a six month policy. While the rate increases by $236 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	$1514	$252
One Med/PIP claim	$1514	$257
Not-at-fault accident	$1637	$273
Two Med/PIP claims	$1682	$286
One comp claim	$1706	$285
Child safety restraint	$1711	$291
Failure to wear a seat belt	$1711	$286
Driving without lights	$1716	$291
Failure to show documents	$1716	$286
Speeding 6 - 10 MPH over limit	$1750	$298
Improper passing	$1755	$292
Passing school bus	$1755	$299
Wrong way/wrong lane	$1755	$292
Failure to stop at a red light	$1760	$300
Failure to yield	$1760	$293
Illegal turn	$1760	$300
Cell phone violation	$1765	$294
Driving with expired registration	$1765	$300
Following too closely	$1765	$294
Texting while driving	$1770	$301
Two comp claims	$1809	$301
Driving too slowly	$1819	$310
Speeding in school zone	$1819	$303
Speeding 11 - 15 MPH over limit	$1824	$310
In 65 MPH zone	$1888	$315
Speeding 16 - 20 MPH over limit	$1888	$321
Speeding 21 - 25 MPH over limit	$1898	$316
Open container	$1918	$326
Operating a vehicle without permission	$1918	$320
At-fault accident - less than $1000	$2081	$354
At-fault accident - $1000-$2000	$2115	$353
At-fault accident - greater than $2000	$2115	$359
Racing	$2287	$381
DUI	$2292	$390
Refusal to submit to a chemical test	$2292	$382
Driving with a suspended license	$2332	$397
Reckless driving	$2381	$397
Leaving scene of an accident/hit and run	$2406	$409

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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 $533 for a six-month policy. However, it can be as expensive as $2253 with companies like Farmers.

Citrus Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$533	$90
Travelers	$1021	$172
State Farm	$1267	$213
Progressive	$1405	$237
Allstate	$1903	$320
UAIC	$2234	$372
Farmers	$2253	$375

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 $463. However, it can be as expensive as $2406 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	$463	$77
State Farm	$740	$125
Travelers	$912	$154
UAIC	$1257	$214
Allstate	$1360	$229
Progressive	$3195	$543
Farmers	$2406	$409

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 rose by $235 in March compared to $212 of February. In other words, there has been an increase by $23 when you compare March and February.

The average cost of liability insurance in the Citrus Hills rose to $159 in March, compared to $69 in February. This represents an increase of $90 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Citrus Hills?

The car insurance in Citrus Hills is $60 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 $151 per month for full coverage.

How much is car insurance in Citrus Hills for teenagers?

Car insurance for teenagers costs $449 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 $1711 for a six-month policy. It will cost around $238 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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