Cheapest Car Insurance Quotes in Citrus Springs

Finding the cheapest car insurance quotes in Citrus Springs shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Citrus Springs Car Insurance

^$ 59

/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 Springs

The car insurance rate in Citrus Springs is $1403 for a six-month policy, which is $308 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $886, making it a popular choice for budget-conscious drivers. Rates in Citrus Springs 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 Springs

$1403

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Citrus Springs

1st place: Travelers

At $886 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 $926 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $969 for six months, making it the third cheapest auto insurance company in Citrus Springs.

Citrus Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Citrus Springs, FL is Travelers, offering policies at just $886 for a six-month term. This is followed by State Farm, which has an average six-month premium of $926.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1958 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Citrus Springs drivers find the best deals.

Cheap Car Insurance Companies in Citrus Springs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$886	$149
State Farm	$926	$156
Nationwide	$969	$163
United Automobile Ins Group	$1120	$190
UAIC	$1237	$208
Progressive	$1461	$246
Mercury	$2114	$353
Allstate	$2129	$358
MetLife	$1232	$210
Farmers	$1958	$326

Key Takeaways

Way's key takeaways about car insurance in Citrus Springs

The auto insurance costs in Citrus Springs fall around $886 for six months.
The cheapest auto insurance company in Citrus Springs is Mercury.
Teen drivers pay the highest rate in Citrus Springs at $1132 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 Springs

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 Springs are given below.

Mercury provides the cheapest minimum car insurance coverage in Citrus Springs. Their Average 6 Month Premium is $351. Farmers is the most expensive at $540 for the same period.

Cheapest Liability Coverage in Citrus Springs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$351	$59
Nationwide	$390	$66
MetLife	$409	$68
AIG	$458	$78
United Automobile Ins Group	$590	$98
Travelers	$682	$115
State Farm	$1009	$170
Progressive	$1685	$284
Allstate	$1890	$318
UAIC	$2207	$376
Patrons Insurance	$103	$17
Farmers	$540	$90

Cheapest Full Coverage Car Insurance in Citrus Springs

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 Springs is Travelers at $149 per month and $886 for six months.

Cheapest Full Coverage Car Insurance Quotes in Citrus Springs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$886	$149
State Farm	$926	$156
Nationwide	$969	$163
United Automobile Ins Group	$1120	$190
UAIC	$1237	$208
Progressive	$1461	$246
Mercury	$2114	$353
Allstate	$2129	$358
MetLife	$1232	$210
Farmers	$1958	$326

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Average Car Insurance in Citrus Springs 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 Springs, FL increasing?

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

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 Springs,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Citrus Springs at $74 per month. At $6658 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$444	$74
AIG	$599	$102
Travelers	$1602	$270
State Farm	$1978	$333
United Automobile Ins Group	$2762	$460
UAIC	$2830	$481
Allstate	$4208	$708
Mercury	$5192	$874
Progressive	$7633	$1285
Farmers	$6658	$1132

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 Springs, Nationwide is the cheapest car insurance provider. At $531 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 Springs is Farmers, offering rates of around $2708 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$531	$90
Mercury	$580	$97
Direct General Insurance	$604	$103
UAIC	$1242	$207
Travelers	$1471	$248
Progressive	$3931	$655
Allstate	$4208	$716
State Farm	$5270	$878
Farmers	$2708	$461

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Car Insurance Rates with An Accident in Citrus Springs

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

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

The cheapest car insurance companies after an at-fault accident in Citrus Springs include Nationwide and AIG, offering $560 and $716, respectively. Farmers is an expensive provider with an average six-month premium of $2732.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$560	$93
AIG	$716	$121
State Farm	$906	$153
Travelers	$921	$155
United Automobile Ins Group	$1456	$243
Mercury	$1505	$253
UAIC	$1627	$271
Progressive	$2684	$452
Allstate	$3721	$626
Farmers	$2732	$455

Citrus Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Citrus Springs FL. For example, the car insurance in Citrus Springs after a DUI increases to $769 for a six month policy. While the rate increases by $233 for a six-month policy in the case of a speeding ticket.

Citrus Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1496	$249
One Med/PIP claim	$1496	$254
Not-at-fault accident	$1617	$270
Two Med/PIP claims	$1661	$282
One comp claim	$1685	$281
Child safety restraint	$1690	$287
Failure to wear a seat belt	$1690	$282
Driving without lights	$1695	$288
Failure to show documents	$1695	$283
Speeding 6 - 10 MPH over limit	$1729	$294
Improper passing	$1734	$289
Passing school bus	$1734	$295
Wrong way/wrong lane	$1734	$289
Failure to stop at a red light	$1739	$296
Failure to yield	$1739	$289
Illegal turn	$1739	$296
Cell phone violation	$1744	$290
Driving with expired registration	$1744	$297
Following too closely	$1744	$290
Texting while driving	$1748	$298
Two comp claims	$1788	$298
Driving too slowly	$1797	$306
Speeding in school zone	$1797	$299
Speeding 11 - 15 MPH over limit	$1802	$307
In 65 MPH zone	$1866	$311
Speeding 16 - 20 MPH over limit	$1866	$317
Speeding 21 - 25 MPH over limit	$1875	$312
Open container	$1895	$322
Operating a vehicle without permission	$1895	$316
At-fault accident - less than $1000	$2056	$349
At-fault accident - $1000-$2000	$2089	$349
At-fault accident - greater than $2000	$2089	$355
Racing	$2260	$376
DUI	$2265	$385
Refusal to submit to a chemical test	$2265	$377
Driving with a suspended license	$2304	$392
Reckless driving	$2353	$392
Leaving scene of an accident/hit and run	$2377	$404

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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 Springs 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 Springs.

The cheapest car insurance premiums in Citrus Springs are offered by AIG at $526 for a six-month policy. However, it can be as expensive as $2226 with companies like Farmers.

Citrus Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$526	$89
Travelers	$1009	$170
State Farm	$1252	$211
Progressive	$1388	$234
Allstate	$1880	$317
UAIC	$2207	$367
Farmers	$2226	$371

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 Springs are offered by Nationwide at $458. However, it can be as expensive as $2377 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Citrus Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$458	$76
State Farm	$731	$123
Travelers	$901	$152
UAIC	$1242	$212
Allstate	$1344	$226
Progressive	$3156	$536
Farmers	$2377	$404

Car Insurance Price Trends in Citrus Springs, Florida

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

The average cost of full coverage in the Citrus Springs rose by $232 in March compared to $210 of February. In other words, there has been an increase by $22 when you compare March and February.

The average cost of liability insurance in the Citrus Springs rose to $157 in March, compared to $68 in February. This represents an increase of $89 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Citrus Springs?

The car insurance in Citrus Springs is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Citrus Springs?

The cheapest car insurance in Citrus Springs is $149 per month for full coverage.

How much is car insurance in Citrus Springs for teenagers?

Car insurance for teenagers costs $444 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 Springs?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $235 per month to insure your car in Citrus Springs.

Is car insurance expensive in Citrus Springs?

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

Cheapest Car Insurance Quotes in Citrus Springs

Why you can trust Way?

How Much Is Car Insurance in Citrus Springs

Avg. Car Insurance in Citrus Springs

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Citrus Springs

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Citrus Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Citrus Springs, FL

Way's key takeaways about car insurance in Citrus Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Citrus Springs

Cheapest Liability Coverage in Citrus Springs, FL

Cheapest Full Coverage Car Insurance in Citrus Springs

Cheapest Full Coverage Car Insurance Quotes in Citrus Springs, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Citrus Springs by Rating Factor

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

Car Insurance Premiums by Age in Citrus Springs

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Springs

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

Citrus Springs Car Insurance Rates by Violation

Citrus Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Citrus Springs after a DUI

Citrus Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Citrus Springs after Speeding ticket

Car Insurance Price Trends in Citrus Springs, Florida

Average Car Insurance Cost in Citrus Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Citrus Springs, FL

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

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