Spring Hill drivers pay an average of $1,913/year — $142 more than the national average. With 651 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $377/year.
(888) 217-6781Estimated full coverage auto insurance rates for Spring Hill, TN from top carriers. Rates are adjusted for Spring Hill's 651 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $727 | $121/mo |
| Tennessee Farmers | $790 | $132/mo |
| Progressive | $818 | $136/mo |
| State Farm | $892 | $149/mo |
| Allstate | $1,091 | $182/mo |
Estimates based on 2026 rate filings for ZIP 38313. GEICO is cheapest at ~$121/mo. Actual rates vary by driver profile and exact Spring Hill location.
These Spring Hill-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Spring Hill, TN. Takes under 2 minutes.
(888) 217-6781With 50,005 residents, Spring Hill is a growing community in Tennessee where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like severe thunderstorms, tornadoes, flooding, ice storms and commuter corridors still influence premiums. Spring Hill drivers often find rates slightly below the Tennessee state average.
For official Tennessee insurance regulations, visit the Tennessee Department of Commerce and Insurance. For driver licensing, see the Tennessee Driver Services.
Your specific ZIP code within Spring Hill can swing your premium by hundreds of dollars. Here's how rates compare across Spring Hill neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 38316 | Spring Hill South Side | $1,808/yr | $151/mo |
| 38316 | Spring Hill North Side | $1,818/yr | $152/mo |
| 38333 | Spring Hill West Side | $1,864/yr | $155/mo |
| 38317 | Spring Hill East Side | $1,941/yr | $162/mo |
| 38313 | Spring Hill Downtown/Central | $2,101/yr | $175/mo |
The cheapest ZIP is 38316 (Spring Hill South Side) at $1,808/yr. The most expensive is 38313 (Spring Hill Downtown/Central) at $2,101/yr — a $293/year difference for the same driver.
Your Spring Hill ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Spring Hill. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,017/yr | $335/mo | +110% vs avg |
| Young Adult (20-25) | $2,678/yr | $223/mo | +40% vs avg |
| Adult (26-35) | $1,913/yr | $159/mo | 0% vs avg |
| Mid-Career (36-50) | $1,683/yr | $140/mo | -12% vs avg |
| Senior (51-65) | $1,588/yr | $132/mo | -17% vs avg |
| 65+ | $1,703/yr | $142/mo | -11% vs avg |
Teens in Spring Hill pay an average of $4,017/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,588/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Tennessee cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Spring Hill drivers can save up to $377/year. ZIP 38316 (Spring Hill South Side) has the lowest rates starting at $1,808/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes