For a 40-year-old driver with a clean record, Spring Hill car insurance averages about $346 a month ($4,154 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% above the Florida average of $331 a month. Travelers has the lowest full-coverage average of the four major insurers we compared (Allstate, GEICO, Progressive and Travelers), at about $199 a month.
Spring Hill, in Hernando County north of Tampa, is a census-designated place rather than an incorporated city. Our benchmark driver pays about $346 a month for full coverage here, about $15 more than the statewide average on our Florida car insurance rates page.
Our data covers the five ZIP codes with a Spring Hill mailing address. Four are in Hernando County; the fifth, 34610, is on the Pasco County side of the Spring Hill mailing area, outside the Census Bureau’s Spring Hill boundary.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Spring Hill ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Spring Hill averages $4,154 a year, or about $346 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,607 a year ($134 a month), and 50/100/50 liability with comprehensive and collision averages $3,517 ($293 a month).
Travelers has the lowest full-coverage average among the four insurers in our Spring Hill rate data. Among the published 2026 statewide Florida rate studies we reviewed, there is no agreement on the cheapest insurer for full coverage. Of the eight that rank insurers, three name State Farm, three name GEICO and two name Travelers. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average among these four insurers, at about $86 a month, with Travelers close behind at $93.
Full-coverage averages by insurer in Spring Hill
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $1,116 | $93 | $2,386 | $199 |
| GEICO | $1,032 | $86 | $3,105 | $259 |
| Allstate | $1,665 | $139 | $5,012 | $418 |
| Progressive | $2,517 | $210 | $5,759 | $480 |
| State Farm (Nov. 2025 rates)* | $1,242 | $104 | $2,768 | $231 |
| United Automobile Insurance* | $2,219 | $185 | $3,121 | $260 |
| Nationwide* | $1,787 | $149 | $3,628 | $302 |
| Mercury Insurance* | $1,231 | $103 | $4,026 | $336 |
| Farmers* | $1,651 | $138 | $5,169 | $431 |
| National General* | $1,884 | $157 | $5,441 | $453 |
| Spring Hill average | $1,607 | $134 | $4,154 | $346 |
This table uses Spring Hill ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the five Spring Hill ZIP codes we price, full coverage for our driver ranges from about $335 a month in 34606 and 34609 to $381 in 34607, a gap of $552 a year. Travelers isn’t priced in 34607, in the west, so its average covers the other three insurers and is the highest in our data, about $381 a month. Of the other four, 34606 and 34609 are the least expensive, at about $335, and 34610, the Pasco County ZIP code, the most expensive, at $352.
Lowest-priced Spring Hill ZIP codes
Highest-priced Spring Hill ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Spring Hill’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 34606 | $1,571 | $131 | $4,017 | $335 | -3% |
| 34607 | $1,726 | $144 | $4,569 | $381 | +10% |
| 34608 | $1,576 | $131 | $4,040 | $337 | -3% |
| 34609 | $1,576 | $131 | $4,021 | $335 | -3% |
| 34610 | $1,618 | $135 | $4,226 | $352 | +2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $637 a year on average in our Spring Hill data, with the same $500 deductibles. That’s about $53 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Spring Hill ZIP codes, their full-coverage average fell from $5,208 a year nine months earlier to $4,625 in rates as of Aug. 31, 2026, an 11.2% drop. Progressive’s Spring Hill average dropped 18.8%, GEICO’s 5.6% and Allstate’s 4.4%. Travelers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Spring Hill average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 11.3%, led by Progressive, which cut its liability-only average 16.0%.
Hernando County averages about $337 a month for full coverage, the seventh-most expensive of the 66 Florida counties we price, and Pasco County, to the south, $371. Brooksville, the other Hernando County town we price, to the northeast, averages about $332 a month, and Hudson, across the county line in Pasco County, $376.
Where it’s priced, Travelers has the lowest full-coverage average of these four insurers in Spring Hill, about $199 a month, and GEICO is next at $259. Allstate and Progressive average about $418 and $480.
More Florida cities and towns are in the Florida rates by city table, and you can compare states on our car insurance rates by state page.
Tampa and Clearwater, both about 37 miles to the south, average $411 and $367 a month. To the north, Gainesville, about 82 miles away, averages $257.
Drivers in Spring Hill follow Florida’s rules. Every vehicle registered in Florida must carry at least:
Bodily injury liability isn’t required for most Florida drivers. You need it after certain at-fault injury crashes, at 10/20 with an SR-22 filing for three years, according to the Florida Department of Highway Safety and Motor Vehicles, or after a DUI conviction, at 100/300/50 with an FR-44 filing for at least three years, under Florida Statutes section 324.023. Uninsured motorist coverage comes with any bodily injury liability policy unless you reject it in writing, under section 627.727.
Florida’s no-fault law is still in place. The 2026 bills that would have repealed it, S.B. 522 and H.B. 769, died in committee on March 13, 2026. Our Florida requirements guide covers the no-fault rules and the penalties for letting coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Spring Hill averages about $346 a month ($4,154 a year) and liability-only coverage at 15/30/10 limits about $134 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 5% above the Florida average of $331 a month.
Travelers has the lowest full-coverage average in our Spring Hill rate data, at about $199 a month, followed by GEICO at $259 among the four major insurers we compared. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average in our Spring Hill rate data, at about $86 a month. The published 2026 statewide Florida rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight that rank insurers, three put State Farm first, three GEICO and two Travelers. Rates vary by driver, so compare quotes for your own car and ZIP code.
Brooksville, for our benchmark driver. Spring Hill full coverage averages about $346 a month and Brooksville about $332, a difference of about $14 a month for the same driver and car.
In our data, 34606 and 34609 share the lowest full-coverage average in Spring Hill, at about $335 a month. 34607 has the highest, about $381, but Travelers isn’t priced there, so that average covers three insurers; among the ZIP codes all four insurers price, 34610, on the Pasco County side, is the most expensive, at $352. The ZIP code table on this page lists all five.
In our Spring Hill data, full coverage (100/300/100 with $500 deductibles) averages about $346 a month and liability-only coverage at 15/30/10 limits about $134, a difference of about $212 a month ($2,547 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Florida law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the three insurers in both sets of rates (Travelers is new over the past nine months), their Spring Hill full-coverage average fell 11.2%, from about $5,208 to $4,625 a year. That’s higher than the Spring Hill average of $4,154 because it leaves out Travelers. Progressive cut its Spring Hill average 18.8%, GEICO 5.6% and Allstate 4.4%. Liability-only coverage at 15/30/10 limits fell 11.3%.
For our benchmark driver, full coverage in Spring Hill averages about $346 a month. Nearby, Tampa averages about $411, Clearwater about $367 and St. Petersburg about $381. Spring Hill is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
