Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Citrus County, FL

We monitor insurance prices, helping the average driver in Citrus County save up to 34.6% on car insurance.

 

Start Saving

;

The Cheapest Minimum Coverage in Citrus County

The chart below shows the cheapest car insurance company in Citrus County for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.

 
Citrus County Insurer Monthly Cost
Geico $115
State Farm $122
Gainsco $159
Bristol West $159

Savings for Every Kind of Citrus County Driver

The table shows how much the average auto insurance customer in Citrus County might save by following our recommendations.

Based on our extensive insurance data, we know the average Citrus County driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $704 per year by choosing the right vehicle insurance company. Some Citrus County residents are paying out over $2,407 extra every year for auto insurance in Citrus County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Citrus County, FL Savings / Yr.
Drivers with good records
$704
Drivers with accidents
$1,034
Drivers with speeding tickets
$795
Drivers with a DUI conviction
$787
Young drivers
$2,501
Married drivers
$683
Drivers with bad credit
$996

Citrus County Car Insurance vs. Florida

People living in Citrus County pay an average of 8.88% less than the typical driver in the state. The average driver in Citrus County can expect to pay about $2,198 per year, or $2,407 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Citrus County for most people.

Car Insurance Prices by Citrus County Neighborhood

Citrus County, FL map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Citrus County?

The map shows insurance prices in and around Citrus County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $452 per year within the county boundaries, with insurance premiums ranging from a high of $2,714 to a low of $2,262. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of Citrus County.

Pick the Best Car Insurance Company for You in Citrus County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Citrus County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Citrus County

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $704 over the average Citrus County car insurance company.

Visit Site

We use the average good driver, paying $142 per month, as our baseline for pricing in Citrus County. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Citrus County drivers with accidents on their records

In Citrus County getting into an accident will raise premiums an average 28% for a yearly cost of $3,342. That's $935 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,034 over the competition.

Visit Site

The best car insurance company for Citrus County drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $795 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Citrus County, tickets raise premiums on new quotes about $671. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,078 per year.

The best auto insurance for Citrus County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,286 per year in auto insurance premiums, which was $878 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $787 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Citrus County

In Citrus County, Geico costs young drivers $2,501 less each year versus the average auto insurance bill.

Visit Site

Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Citrus County. With an average cost of $7,224 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Citrus County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $169. State Farm, Geico, and Progressive provided the largest discounts to couples living in Citrus County.

Geico gave the largest car insurance discounts to married couples, averaging $683 saved each year compared to an average Citrus County couple's premiums.

Visit Site

The cheapest car insurance in Citrus County for drivers with bad credit

People with poor credit saved an average of $996 with Geico.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,151 every year. Premiums for people with poor credit were about $3,558 in Citrus County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best Citrus County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Citrus County, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Citrus County.

Allstate was the best company for customer service in Citrus County according to the NAIC.

Visit Site

Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Citrus County, which was better than other insurers.

Visit Site

During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Citrus County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Citrus County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 17% of Citrus County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Citrus County driver can expect to pay about $156 per month.

Visit Site

What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Citrus County, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Citrus County

What Influences the Cost of Car Insurance in Citrus County?

On average, car insurance in Citrus County is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Citrus County is 32 minutes, which is about the national average for a driver in the state.
  • Florida state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Citrus County are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Citrus County has an average population density in the state. The county’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Citrus County is $183 per month for minimum coverage and $201 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Citrus County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Citrus County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.