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Get Cheap Car Insurance in Zephyrhills, FL
We monitor insurance prices, helping the average driver in Zephyrhills save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Zephyrhills
The chart below shows the cheapest car insurance company in Zephyrhills 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.
| Zephyrhills Insurer | Monthly Cost |
|---|---|
| Geico | $130 |
| State Farm | $138 |
| Gainsco | $180 |
| Bristol West | $180 |
Savings for Every Kind of Zephyrhills Driver
Based on our extensive insurance data, we know the average Zephyrhills 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 $797 per year by choosing the right vehicle insurance company. Some Zephyrhills residents are paying out over $2,724 extra every year for auto insurance in Zephyrhills. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Zephyrhills, FL Savings / Yr. |
|---|---|
$797 |
|
$1,170 |
|
$900 |
|
$891 |
|
$2,830 |
|
$773 |
|
$1,127 |
Zephyrhills Car Insurance vs. Florida
People living in Zephyrhills pay an average of 3.09% more than the typical driver in the state. The average driver in Zephyrhills can expect to pay about $2,487 per year, or $2,724 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Zephyrhills for most people.
Car Insurance Prices by Zephyrhills Neighborhood
Insurance Prices
Where is insurance cheapest within Zephyrhills?
The map shows insurance prices in and around Zephyrhills, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $412 per year within the city boundaries, with insurance premiums ranging from a high of $2,924 to a low of $2,512. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of Zephyrhills.Pick the Best Car Insurance Company for You in Zephyrhills
The best car insurance provider for most drivers in Zephyrhills
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $797 over the average Zephyrhills car insurance company.
The best car insurance provider for Zephyrhills drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,170 over the competition.
The best car insurance company for Zephyrhills drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $900 better than other car insurance companies.
The best auto insurance for Zephyrhills drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $891 less each year.
The least expensive car insurance company for new and young drivers in Zephyrhills
In Zephyrhills, Geico costs young drivers $2,830 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Zephyrhills
Geico gave the largest car insurance discounts to married couples, averaging $773 saved each year compared to an average Zephyrhills couple's premiums.
The cheapest car insurance in Zephyrhills for drivers with bad credit
The best Zephyrhills car insurance company for customer service
Recent price drops
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The cheapest large national provider in Zephyrhills
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Zephyrhills driver can expect to pay about $156 per month.
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 Zephyrhills, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Zephyrhills
What Influences the Cost of Car Insurance in Zephyrhills?
On average, car insurance in Zephyrhills is more expensive than the rest of the state. These high 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 city are influenced by the following factors:
- The average commute time in Zephyrhills is 39 minutes, which is a little more than 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 Zephyrhills are about 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.
- Zephyrhills is a fairly densely populated area in the state. The city’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 Zephyrhills is $207 per month for minimum coverage and $227 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 Cities
- Zephyrhills West: Insurance costs 1.06% less
- Pasadena Hills: Insurance costs 2.72% less
- Zephyrhills South: Insurance costs 1.58% less
- Crystal Springs: Insurance costs 2.46% less
- Wesley Chapel: Insurance costs 4.37% more
- St. Leo: Insurance costs 3.05% less
- San Antonio: Insurance costs 2.35% less
- Dade City: Insurance costs 0.70% less
- St. Joseph: Insurance costs 4.77% less
- Darby: Insurance costs 4.74% less
Cities with Similar Populations
- Wauwatosa: Insurance costs 57.86% less
- Grand Blanc: Insurance costs 8.22% more
- Granada Hills: Insurance costs 10.57% less
- Frankfort: Insurance costs 23.79% less
- Everett: Insurance costs 20.56% less
- Euclid: Insurance costs 52.28% less
- Dacula: Insurance costs 27.90% less
- Cypress: Insurance costs 19.90% less
- Cuyahoga Falls: Insurance costs 59.58% less
- Converse: Insurance costs 31.86% less