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Cheapest Car Insurance Rates in Spring Hill, florida

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Driving Conditions in Spring Hill, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

112Rainy Days a Year
53 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Spring Hill, florida Car Insurance Rates by Provider

With a variety of car insurance providers to choose from in Spring Hill, Florida, such as Geico, Progressive, State Farm, Allstate, and USAA, it is crucial to compare rates and coverage options to ensure you are receiving the best policy possible. White Chip Insurance has existing relationships with each of these carriers and is able to ensure you will be quoted the cheapest car insurance rates in all of Spring Hill. White Chip Insurance offers a free quote service, so you can compare rates without any obligation.

ProviderAverage Annual Rate
State Farm$1,524

Spring Hill, florida Car Insurance Rates by Age

Depending on the age of the driver, car insurance rates in Spring Hill can vary. On average, insurance companies require younger drivers to pay higher rates than older drivers due to age being considered a risk factor when qualifying for insurance rates. White Chip Insurance is committed to providing cheap insurance rates to all drivers, despite their age. If you are looking for cheap car insurance in Spring Hill, contact a White Chip Insurance agent today.

AgeAverage Annual Rate

Spring Hill, florida Car Insurance Rates by Gender and Marital Status

In Spring Hill, Florida, car insurance rates do not typically differ based on gender. This is because car insurance companies cannot use gender as a factor in their pricing models. Some states have laws that prohibit insurers from using gender as a factor when setting rates. In Spring Hill, Florida, female drivers pay slightly more than male drivers on average. Marital status can affect car insurance rates. Married couples generally pay less for car insurance than single drivers because they are seen as more responsible and less likely to take risks behind the wheel. In Spring Hill, Florida, divorced or widowed drivers can expect to pay slightly higher rates than single or married drivers. Our team is dedicated to provide you with affordable car insurance in Spring Hill.

Gender and Marital StatusAverage Annual Rate

Spring Hill, florida Car Insurance Rates by Driving Record

Driving records are a huge consideration for insurance companies when it comes to determining rates. A clean driving record can lend discounts and lower premiums, while a faulty driving record can, in some cases, double the cost. On average, Spring Hill, Florida offers a rate of $1,420 for a clean driving record and can go as high as $3,210 for a faulty driving record. Contact a White Chip Insurance agent today to compare rates from a variety of providers to get you the cheapest car insurance possible.

Driving RecordAverage Annual Rate
Reckless Driving$2,708
At-fault Accident (damages less than $1,000)$2,495
At-fault Accident (damages greater than $2,000)$2,495
Speeding Ticket (16-20mph over speed limit)$2,254

Spring Hill, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Spring Hill, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 570$3,560
580 - 669$2,174
670 - 739$1,776
740 - 799$1,632
800 - 850$1,425

Cheapest Area Codes in Spring Hill, florida

Spring Hill, Florida car insurance can be more expensive depending on where the company is located and if it's in close proximity to affluent amenities. If the surrounding area has safe neighborhoods, top-tier education options, and/or elite job opportunities, the insurance rates can be affected. The most expensive zip code in Spring Hill, Florida is 34609 with an average home value of $435,000, and the least expensive zip code is 34604 with an average home value of $225,000.

Most Expensive Spring Hill, florida ZIP Codes

34604, 34605, 34613, 34614, 34615

Least Expensive Spring Hill, florida ZIP Codes

34606, 34609, 34610, 34611, 34612

Local Amenities in Spring Hill, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Spring Hill, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institute, the average cost of car insurance in Florida is $2,309 per year, which is almost $1,000 more than the national average. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Spring Hill is $1,853. It is important to contact a White Chip Insurance agent to compare quotes from multiple insurers to ensure you get the cheapest car insurance rate possible.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, such as hurricanes and floods, as well as a high rate of car theft. Additionally, Florida is a no fault state, meaning that drivers are personally responsible for their own medical expenses regardless of who is at fault in an auto accident. All of this leads to an increase in the cost of various insurance rates in the state of Florida.

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How much is car insurance near Spring Hill, FL?
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Find the Cheapest Car Insurance Rates