Cheapest Auto Insurance in Gainesville, Florida (2026)
State Farm offers the cheapest car insurance in Gainesville, with minimum-coverage policies as low as $91 per month.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
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Courtney MikulskiSenior Editor, Auto
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Table of contents
Although Florida is one of the most expensive states for car insurance, according to Insurify data, car insurance in Gainesville costs a bit less than the state averages. Full coverage averages $180 per month in Gainesville, and the average for minimum coverage is $131. The state-level averages are $203 for full coverage and $162 for liability-only policies.
It’s important to note that location, down to your ZIP code, significantly influences insurance costs. Gainesville’s inland location in Florida could contribute to its lower average car insurance rates.
Here’s how you can find affordable car insurance for your coverage needs in Gainesville.
Quick Facts
State Farm, Mile Auto, and Progressive have the cheapest car insurance in Gainesville.
Gainesville police reported more than 24,800 accidents in the city in 2023, according to City of Gainesville data.
Home to the University of Florida, Gainesville is the 13th largest city in the state.
7 of the cheapest car insurance companies in Gainesville
When searching for the right car insurance company in Gainesville, it’s crucial to assess your individual insurance needs and circumstances. The cheapest car insurance company can vary depending on factors such as your driving history, vehicle type, and coverage level needs.
Here’s a closer look at some affordable car insurance companies in Gainesville and what sets them apart.
 |  |  |  |  |  |  |
|---|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $112/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $172/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $139/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $195/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $161/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $168/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $217/mo* |
Overall rating 4.1 | Overall rating 4.0 | Overall rating 4.3 | Overall rating 3.8 | Overall rating 3.8 | Overall rating 3.2 | Overall rating 3.4 |
Value for money 3.6/5 | Value for money 3.7/5 | Value for money 3.7/5 | Value for money 3.3/5 | Value for money 3.2/5 | Value for money 3.0/5 | Value for money 3.0/5 |
Customer service 4.2/5 | Customer service 4.0/5 | Customer service 4.1/5 | Customer service 3.8/5 | Customer service 3.7/5 | Customer service 3.3/5 | Customer service 3.1/5 |
Claims handling 4.1/5 | Claims handling 4.1/5 | Claims handling 4.3/5 | Claims handling 3.8/5 | Claims handling 3.9/5 | Claims handling 3.4/5 | Claims handling 3.2/5 |
Special highlight Customer serviceAI-generated from 6855 user reviews | Special highlight Teen driversAI-generated from 7166 user reviews | Special highlight Usage-based savingsAI-generated from 504 user reviews | Special highlight Accident forgivenessAI-generated from 4097 user reviews | Special highlight Bundling discountsAI-generated from 1116 user reviews | Special highlight Competitive ratesAI-generated from 7805 user reviews | Special highlight High-risk driversAI-generated from 515 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for full coverage: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |
4.1
Best choiceBased on 13,918 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,855)
Robert
Verified Review
State Farm is not there for you
Reviewed in California on January 2026
I had no problem until I had a problem. I hit a fast track divider post to avoid getting into an accident. They said I was 51% at fault and paid nothing.
Geoffrey
Verified Review
State Farm: Great Company
Reviewed in Florida on January 2026
They’ve been fantastic, just trying to find lower rates.
Jim
Verified Review
My Response
Reviewed in Ohio on January 2026
Okay. Online tools are not user-friendly. The monthly statement does not reflect the balance due or the amount paid for the prior month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers extensive coverage options, like liability insurance, collision insurance, and comprehensive insurance. It also offers coverage for medical payments, uninsured and underinsured motorists, rental car reimbursement, and roadside assistance.
Pros
Variety of discounts
Top J.D. Power customer satisfaction rating in Florida
Cons
Received negative reviews from the Better Business Bureau (BBB)
No gap insurance
Best insurer for senior drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $155/mo |
4.0
Best choiceBased on 14,344 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (7,166)
Candi
Verified Review
Good at first but then...
Reviewed in Virginia on January 2026
At first, Geico was good, but then my payments began to get higher and higher.
Tyler
Verified Review
Awful. Cannot wait to leave them
Reviewed in New Jersey on January 2026
They are rude, make changes without notifying you, and when you find out, they are unable to make anything right. They are expensive and often remove discounts without reason, and you have to fight hard to have them reinstated.
Herbert
Verified Review
Geico is one of the best insurance companies to work with.
Reviewed in Pennsylvania on January 2026
With insurance, I am so comfortable with their customer service. I feel comfortable working with them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO supports senior drivers by offering car insurance with affordable rates and personalized service. With 85 years of industry experience, GEICO provides seniors with the peace of mind they deserve. It offers free car insurance quotes and opportunities for car insurance savings through various discounts.
Pros
Senior driver discounts
Policy bundling available
Cons
Negative BBB reviews
No gap insurance
Best insurer for drivers with an accident: Allstate
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $176/mo |
3.8
A solid optionBased on 8,353 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (4,097)
Joe
Verified Review
Allstate good but expensive
Reviewed in Arkansas on January 2026
Allstate was good until the rates got too high.
Todd
Verified Review
I'm looking for a cheaper company
Reviewed in Connecticut on January 2026
They are okay, but they raise your rates without notice.
Bevley
Verified Review
Auto and Home Insurance with Allstate
Reviewed in Oklahoma on January 2026
The price of insurance started very reasonably when I began my car, pickup, and home insurance. In fact, I got the $250 deductible cheaper than my old policy with a $500 deductible. After the first 6 months, my auto insurance jumped over $50/month. I finally had to change my policy to a $1000 deductible to get my payments close to the original amount. I traded my 2019 pickup for a new 2025 model, and the insurance coverage is much cheaper on the new pickup than my wife’s 2019 Lexus RX, which is worth about a third of the value of the new truck. That doesn’t make sense to me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate understands the needs of drivers facing higher insurance rates following an accident. It prioritizes customer support by offering easy access to knowledgeable agents and innovative tools, like Drivewise, enabling safe drivers to save money on their premiums.
Pros
Offers various discounts
Coverage for hybrid and classic cars available
Cons
Not accredited by BBB
Higher average premiums than competing insurers
How to get the cheapest car insurance in Gainesville
If you’re in the market for the cheapest car insurance in Gainesville, Florida, keep these tips in mind to help you save on premiums:
Explore available discounts. Ask about potential discounts for things like good driving or having a car with advanced safety features. If you have a teen in the house, you can ask if the insurance company offers a good student discount.
Drive safely. Prioritize safe driving habits, adhere to traffic laws, and minimize accidents and violations to maintain a clean driving record, which can contribute to lower insurance rates.
Shop around. Conduct thorough research on the best car insurance in Gainesville, Florida, and compare quotes from different companies to see which one can offer the best coverage for the best price.
Bundle different policies. Maximize your savings by bundling your car insurance with other policies, such as renters or home insurance, and inquire about potential multi-policy discounts.
Find Cheap Car Insurance in Gainesville
Liability rates start at $91 per month
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Cheapest liability-only car insurance in Gainesville: State Farm
Liability-only car insurance is the state-minimum requirement that Florida sets for all drivers. It covers damages that the insured driver causes to others in an accident. Liability coverage is typically cheaper because it’s the bare-minimum coverage to legally drive.
Gainesville drivers pay $131 per month for liability coverage, on average. Here are some of the cheapest car insurance companies in Gainesville for liability-only policies.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $91 |
| Mile Auto | $107 |
| Progressive | $112 |
| Direct Auto | $129 |
| Mercury | $135 |
| GAINSCO | $137 |
| GEICO | $139 |
| The General | $148 |
| Infinity | $152 |
| Bristol West | $153 |
| National General | $153 |
| Allstate | $158 |
| AssuranceAmerica | $178 |
| Root | $182 |
| Travelers | $188 |
| Dairyland | $251 |
| Liberty Mutual | $302 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Gainesville: State Farm
When it comes to car insurance, liability-only coverage is essential for protecting against damages and injuries you cause to others in an accident. Conversely, full-coverage car insurance offers broader protection and includes more coverage types. As such, it’s more expensive. The average rate for full-coverage insurance in Gainesville is $180 per month.
Full coverage is a good idea for drivers with high-value vehicles, people who live in accident-prone and theft-prone areas, or anyone who wants extensive coverage for personal and third-party damages.
If you’re interested in finding affordable full-coverage policies in Gainesville, refer to the table below.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $101 |
| Mile Auto | $140 |
| GEICO | $155 |
| Mercury | $170 |
| Progressive | $175 |
| Allstate | $176 |
| National General | $184 |
| Direct Auto | $190 |
| Travelers | $209 |
| Bristol West | $213 |
| Infinity | $222 |
| The General | $223 |
| GAINSCO | $248 |
| Root | $253 |
| AssuranceAmerica | $302 |
| Liberty Mutual | $310 |
| Dairyland | $428 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Gainesville, Florida
Recent Gainesville, Florida car insurance prices for Nissan, Dodge, Cadillac , and more.
*Quotes generated for Insurify users in and around Gainesville, Florida within the last 10 days. Last updated on January 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Gainesville, Florida within the last 10 days. Last updated on January 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Florida
In Florida, drivers must show proof of insurance for personal injury protection (PIP) and property damage liability in order to drive legally. PIP covers 80% of medical expenses, up to $10,000, for covered injuries, regardless of who’s at fault. Property damage liability, on the other hand, covers property damage the insured driver causes.
Here are Florida’s minimum auto insurance requirements for drivers:[1]
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | $10,000 per accident |
| Property damage liability | $10,000 per accident |
While buying liability coverage may get you cheap auto insurance, it may not cover all your medical bills or car repairs from a car accident. You can enhance your auto insurance policy with these optional coverages that can provide added security and peace of mind:
Collision coverage
Collision coverage pays for damages from collisions — as the name suggests — with an object or another vehicle, regardless of fault.
Comprehensive coverage
Comprehensive coverage includes coverage for theft and damages from incidents like fire, vandalism, theft, falling objects, and natural disasters.
Gap coverage
Gap coverage comes into play if you have a financed or leased vehicle and helps bridge the gap between your remaining loan balance and the insurance settlement in case of a total loss.
Glass coverage
You can turn to glass coverage to specifically cover damages to your windshield and other glass components. This coverage sometimes offers no-deductible coverage for side windows, rear windows, and glass sunroofs.
)
Keep Reading: How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
For drivers with a history of incidents like at-fault accidents, speeding tickets, driving under the influence (DUI) charges, or other moving violations, finding affordable car insurance becomes crucial. These incidents generally lead to higher insurance premiums, as they indicate a greater likelihood of future claims.[2]
Find Car Insurance in Gainesville, FL
Minimum coverage starts at $108/mo. for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Alachua County reported 12,000 speed-related moving violations in 2022, and your car insurance rates can increase when you receive a speeding ticket, even if you didn’t cause an accident.[3] Insurance companies consider speeding violations to be an indication of reckless driving, which raises the probability of accidents and claims. Therefore, insurance premiums tend to rise after a speeding ticket.
Speeding in Gainesville pushes the average cost of car insurance to $206 per month for full coverage and $150 for minimum coverage. The table below shows the cheapest average car insurance companies for Gainesville drivers with a speeding ticket.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $91 | $110 |
| Mile Auto | $107 | $125 |
| Progressive | $112 | $128 |
| Direct Auto | $129 | $154 |
| Mercury | $135 | $181 |
| GAINSCO | $137 | $156 |
| GEICO | $139 | $174 |
| The General | $148 | $189 |
| Infinity | $152 | $185 |
| Bristol West | $153 | $184 |
| National General | $153 | $182 |
| Allstate | $158 | $196 |
| AssuranceAmerica | $178 | $217 |
| Root | $182 | $232 |
| Travelers | $188 | $233 |
| Dairyland | $251 | $298 |
| Liberty Mutual | $302 | $367 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
An at-fault accident can have a lasting effect on your car insurance rates. Like with speeding tickets, insurance companies view at-fault accidents as signs of higher risk, which means your premiums are likely to rise. It’s essential to drive defensively and avoid accidents to maintain a clean driving record.[2]
The average cost of car insurance in Gainesville rises to $226 per month for full coverage and $164 for liability if you have an accident. If you’re a Gainesville driver with an at-fault accident in your driving history, check out the cheapest car insurance companies for your situation below.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $91 | $117 |
| Mile Auto | $107 | $140 |
| Progressive | $112 | $141 |
| Direct Auto | $129 | $172 |
| Mercury | $135 | $198 |
| GAINSCO | $137 | $171 |
| GEICO | $139 | $175 |
| The General | $148 | $198 |
| Infinity | $152 | $191 |
| Bristol West | $153 | $196 |
| National General | $153 | $197 |
| Allstate | $158 | $205 |
| AssuranceAmerica | $178 | $231 |
| Root | $182 | $235 |
| Travelers | $188 | $245 |
| Dairyland | $251 | $321 |
| Liberty Mutual | $302 | $392 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Your car insurance rates can skyrocket following a DUI conviction because insurance companies perceive DUIs as a significant risk, indicating an increased likelihood of accidents and claims. As a result, your insurance premiums are likely to surge post-DUI.[2] Furthermore, Florida may require you to file an FR-44 insurance form after a DUI, which will increase your rates for three years or longer.[4]
Gainesville drivers with a DUI pay very high monthly rates, averaging $257 for full coverage and $187 for liability only. For Gainesville drivers seeking the cheapest average car insurance companies despite having a DUI on their record, consult the table below.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $91 | $132 |
| Mile Auto | $107 | $155 |
| Progressive | $112 | $160 |
| Direct Auto | $129 | $187 |
| Mercury | $135 | $205 |
| GAINSCO | $137 | $199 |
| GEICO | $139 | $199 |
| The General | $148 | $214 |
| Infinity | $152 | $220 |
| Bristol West | $153 | $222 |
| National General | $153 | $222 |
| Allstate | $158 | $229 |
| AssuranceAmerica | $178 | $258 |
| Root | $182 | $265 |
| Travelers | $188 | $272 |
| Dairyland | $251 | $364 |
| Liberty Mutual | $302 | $438 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Age is a key determiner when it comes to car insurance rates. As drivers progress in their experience and enter their mid-30s, rates tend to decrease. But around age 70, premiums might have a minor upturn due to factors like potential health risks and heightened accident vulnerability.[5]
The average cost of car insurance for senior drivers in Gainesville is $161 per month for full coverage and $117 for liability-only insurance. If you’re a senior driver in Gainesville, this table lists car insurance companies offering some of the most affordable average quotes.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $81 | $73 |
| Mile Auto | $112 | $86 |
| GEICO | $126 | $113 |
| Mercury | $140 | $111 |
| Allstate | $146 | $131 |
| National General | $148 | $123 |
| Direct Auto | $156 | $106 |
| Progressive | $157 | $100 |
| Infinity | $166 | $114 |
| Travelers | $171 | $154 |
| Bristol West | $181 | $130 |
| The General | $191 | $126 |
| GAINSCO | $214 | $118 |
| Root | $217 | $156 |
| AssuranceAmerica | $242 | $143 |
| Liberty Mutual | $264 | $257 |
| Dairyland | $371 | $218 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenagers and young adults frequently encounter much higher car insurance rates compared to older drivers, primarily due to their limited road experience and higher risks associated with their age group.[6]
As a teenager, one practical strategy for finding affordable car insurance is to stay on a parent’s insurance policy, as it often results in more favorable premiums. Selecting a safe and dependable vehicle equipped with advanced safety features and maintaining good academic performance to qualify for good student discounts can help keep premiums lower.
Gainesville teens with their own car insurance policies pay average monthly rates of $311 for full coverage and $227 for liability-only policies. Refer to the table below for a glimpse of the lowest average car insurance quotes for teen drivers and young adults in Gainesville, based on Insurify data.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $191 | $172 |
| GEICO | $272 | $244 |
| Mile Auto | $281 | $215 |
| Progressive | $303 | $194 |
| Mercury | $306 | $243 |
| Allstate | $341 | $306 |
| Direct Auto | $360 | $245 |
| National General | $364 | $303 |
| Bristol West | $371 | $266 |
| The General | $380 | $252 |
| Infinity | $405 | $277 |
| Travelers | $423 | $381 |
| Root | $428 | $308 |
| GAINSCO | $447 | $247 |
| Liberty Mutual | $534 | $520 |
| AssuranceAmerica | $605 | $357 |
| Dairyland | $701 | $411 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Gainesville car insurance quotes by credit tier
Florida allows auto insurance companies to consider credit history when determining insurance rates, but it can’t be the only factor they take into consideration.[7] Because of this, drivers with excellent or good credit scores generally pay lower premiums. Conversely, people with poor credit scores may face higher premiums.
The following chart outlines the average monthly quotes for Gainesville drivers by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Gainesville?
The national average for full-coverage car insurance is $175 per month, and the Florida state average is $203 per month. Gainesville residents pay an average monthly premium of $180 for the same level of coverage.
It’s essential to remember that car insurance rates can differ significantly based on factors such as weather conditions, crime rates, and traffic volume within a city.
More cities in Florida
In Gainesville, car insurance rates are generally much more affordable than in other Florida cities. Cities such as Miami have higher rates, which makes sense considering this city has significantly higher rates of reckless driving incidents compared to Gainesville.[3]
Here’s a comparison of average monthly car insurance quotes in other major cities throughout Florida.
City | Full Coverage | Liability Only |
|---|---|---|
| Fort Lauderdale | $222 | $186 |
| Fort Myers | $194 | $146 |
| Jacksonville | $206 | $163 |
| Lakeland | $203 | $156 |
| Miami | $260 | $204 |
| Ocala | $189 | $163 |
| Orlando | $229 | $182 |
| Pompano Beach | $226 | $176 |
| Saint Petersburg | $194 | $155 |
| Tampa | $262 | $205 |
| West Palm Beach | $224 | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Gainesville car insurance FAQs
Insurify answered the most common questions about car insurance in Gainesville, Florida. You can also check out Insurify’s insights on why car insurance rates are rising.
How much is car insurance in Gainesville?
Gainesville drivers face average car insurance rates of $180 per month for full coverage and $131 for liability-only policies.
While car insurance rates have increased across the country in the past year, Florida ranks as the third-most-expensive state for coverage, according to Insurify data. Only New York and Nevada drivers pay more, on average, for car insurance.
What are the cheapest car insurance companies in Gainesville, Florida?
State Farm offers the cheapest car insurance for Gainesville drivers, with minimum-coverage rates that start at $91 per month. Mile Auto and Progressive are the city’s second- and third-cheapest insurers, with monthly liability-only rates as low as $107 and $112, respectively.
What are the best car insurance companies in Gainesville?
Some of the best car insurance companies in Gainesville include Allstate, GEICO, and State Farm. These insurers have above-average J.D. Power customer satisfaction ratings in Florida, strong financial stability ratings, and high Insurify Quality Scores.
Gainesville drivers should always shop and compare car insurance quotes from multiple top companies at the same coverage level to find the best car insurance that meets their specific needs.
How do you compare car insurance rates in Gainesville?
You can go to multiple insurance company websites and fill out their quote forms individually to get all your car insurance quotes and then compare prices. For a quicker process, you can use a quote-comparison tool to gather multiple quotes for car insurance rates in Gainesville and compare them all at once. Make sure you choose the same coverage levels for every quote so you can see how much you’ll pay for the same coverage at each company you compare.
How much car insurance do you need in Florida?
Florida requires drivers to purchase $10,000 in personal injury protection and $10,000 for property damage liability coverage to drive legally in the state.[1] But you may need additional coverages, like collision insurance and comprehensive insurance, for more protection on the road.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "Do auto insurance premiums go up after a claim?."
- Florida Department of Highway Safety and Motor Vehicles. "Annual Uniform Traffic Citation Report."
- Florida Department of Highway Safety and Motor Vehicles. "DUI Frequently Asked Questions."
- III. "Senior driving safety and insurance tips."
- III. "What determines the price of an auto insurance policy?."
- The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.