13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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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Cheapest recent rates near Gainesville, Florida
Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $72/mo for full coverage in Gainesville and other Florida cities.
*Quotes generated for Insurify users in and around Gainesville, Florida within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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, 2025. 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, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $182 per month in Gainesville, and the average for minimum coverage is $118. The state-level averages are $241 for full coverage and $154 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.
State Farm, GEICO, and Mile Auto 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.
3 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.
Insurance Company
▲▼
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.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
State Farm
9.3
$84
$69
Full coverage
GEICO
9.0
$86
$71
Senior drivers
Allstate
8.9
$146
$119
Drivers with an accident
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.
$64/mo
4.2
Best choiceBased on 9,440 verified guest reviews and ratings
▲
State Farm's score
▲▼
Industry average
▲▼
Coverage options
4.2
3.2
Customer service
4.1
3.6
Discounts
4
2.9
Policy transparency
4
3.1
Value
4
2.9
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,195)
Graylin
January 18, 2025
Verified Review
The service is good, but the price is a bit high for my age and clean driving record. I haven't had any DUIs or tickets for over 6 years.
The service is good, but the price is a bit high for my age and clean driving record. I haven't had any DUIs or tickets for over 6 years.
Chris
January 18, 2025
Verified Review
Dishonest and Untrustworthy
Mediocre at best, they keep changing their rates. They keep raising their income to help themselves, never explaining what their issues are. They trap you in, making you think you have no choice.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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)
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.
9.0 /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.
$65/mo
4.0
Best choiceBased on 10,621 verified guest reviews and ratings
▲
GEICO's score
▲▼
Industry average
▲▼
Coverage options
4
3.2
Customer service
3.9
3.6
Discounts
3.8
2.9
Policy transparency
3.9
3.1
Value
3.8
2.9
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,845)
Zenell
January 17, 2025
Verified Review
Overpriced for Certain Car Brands
If you own a Kia or Hyundai car, be prepared to pay a hefty amount. Despite having no tickets or accidents, the pricing is still unreasonable. Insurance companies should reconsider their pricing strategies.
Margie
January 17, 2025
Verified Review
Almost Chose Another Insurance, but Stayed with GEICO
They are very reliable.
Jerome
January 16, 2025
Verified Review
Poor Service
I had a car accident several years ago and I was not at fault. The other driver was issued a citation for the accident. My deductible was $500.00, but my agent only managed to get me back $400.00. When I asked why, she couldn't explain. I requested to speak to her supervisor who wasn't available at the time. I was told I would receive a call back, but I never heard back from them.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.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
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.
$111/mo
4.0
Best choiceBased on 5,858 verified guest reviews and ratings
▲
Allstate's score
▲▼
Industry average
▲▼
Coverage options
4
3.2
Customer service
3.9
3.6
Discounts
4
2.9
Policy transparency
3.9
3.1
Value
3.7
2.9
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
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 initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,196)
Billy
January 18, 2025
Verified Review
Looking for Better Rates
I have been with Allstate for over 50 years, but their extremely high rates are turning me towards other companies.
Gloria
January 17, 2025
Verified Review
Worst Insurance Company Ever
They doubled their policy for the following year. When I called them about it, they said there was nothing they could do. That's just the way it is.
Patricia
January 15, 2025
Verified Review
I had a bad experience. My agent doesn't call back. I've been trying to get in touch with this person for a year, leaving messages, trying to inform him that my car is being vandalized, but still no callbacks. It's hard to get another agent with this company. I have to fill out paperwork, which is too much of a hassle. It's a waste of time!
I had a bad experience. My agent doesn't call back. I've been trying to get in touch with this person for a year, leaving messages, trying to inform him that my car is being vandalized, but still no callbacks. It's hard to get another agent with this company. I have to fill out paperwork, which is too much of a hassle. It's a waste of time!
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.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 $52 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $118 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$52
GEICO
$54
Mile Auto
$86
Allstate
$90
Root
$108
Travelers
$108
Direct Auto
$121
Mercury
$121
Progressive
$137
Infinity
$148
Foremost
$158
GAINSCO
$172
Dairyland
$176
Bristol West
$183
National General
$206
The General
$227
AssuranceAmerica
$329
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $182 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$64
GEICO
$65
Mile Auto
$110
Allstate
$111
Travelers
$132
Mercury
$148
Root
$180
Infinity
$206
Progressive
$206
National General
$211
Direct Auto
$237
Foremost
$239
GAINSCO
$246
Bristol West
$259
Dairyland
$310
The General
$317
AssuranceAmerica
$436
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $72/mo for full coverage in Gainesville and other Florida cities.
*Quotes generated for Insurify users in and around Gainesville, Florida within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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, 2025. 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, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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, 2025. 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.
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 $60/mo. for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $222 per month for full coverage and $144 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$52
$62
GEICO
$54
$65
Mile Auto
$86
$104
Allstate
$90
$109
Root
$108
$142
Travelers
$108
$132
Direct Auto
$121
$147
Mercury
$121
$157
Progressive
$137
$165
Infinity
$148
$185
Foremost
$158
$206
GAINSCO
$172
$224
Dairyland
$176
$213
Bristol West
$183
$223
National General
$206
$250
The General
$227
$282
AssuranceAmerica
$329
$394
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $240 per month for full coverage and $155 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$52
$67
GEICO
$54
$70
Mile Auto
$86
$113
Allstate
$90
$117
Root
$108
$151
Travelers
$108
$141
Direct Auto
$121
$161
Mercury
$121
$169
Progressive
$137
$180
Infinity
$148
$187
Foremost
$158
$218
GAINSCO
$172
$213
Dairyland
$176
$226
Bristol West
$183
$237
National General
$206
$266
The General
$227
$301
AssuranceAmerica
$329
$412
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $276 for full coverage and $179 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$52
$82
GEICO
$54
$85
Mile Auto
$86
$136
Allstate
$90
$142
Root
$108
$154
Travelers
$108
$171
Direct Auto
$121
$191
Mercury
$121
$178
Progressive
$137
$217
Infinity
$148
$234
Foremost
$158
$250
GAINSCO
$172
$272
Dairyland
$176
$278
Bristol West
$183
$289
National General
$206
$326
The General
$227
$359
AssuranceAmerica
$329
$520
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $147 per month for full coverage and $95 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$49
$40
GEICO
$51
$42
Mile Auto
$82
$64
Allstate
$88
$71
Travelers
$102
$83
Mercury
$117
$96
Progressive
$147
$98
Root
$151
$90
Infinity
$158
$113
National General
$159
$155
Direct Auto
$182
$93
Foremost
$189
$125
GAINSCO
$204
$142
Bristol West
$205
$145
Dairyland
$245
$139
The General
$252
$180
AssuranceAmerica
$327
$247
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: GEICO
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 $305 for full coverage and $197 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
GEICO
$104
$87
State Farm
$110
$90
Allstate
$199
$161
Mile Auto
$213
$166
Travelers
$239
$196
Mercury
$259
$212
Root
$267
$160
Progressive
$359
$239
Infinity
$366
$263
National General
$414
$405
GAINSCO
$421
$294
Foremost
$424
$281
Direct Auto
$433
$221
Bristol West
$434
$307
Dairyland
$494
$280
The General
$501
$359
AssuranceAmerica
$795
$600
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Gainesville, FL
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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
Category
▲▼
Price
▲▼
Excellent
241
Good
285
Fair
313
Poor
485
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 $199 per month, and the Florida state average is $241 per month. Gainesville residents pay an average monthly premium of $182 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.
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.
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 $182 per month for full coverage and $118 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 $52 per month. GEICO and Mile Auto are the city’s second- and third-cheapest insurers, with monthly liability-only rates as low as $54 and $86, 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
III. "What determines the price of an auto insurance policy?."
The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
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.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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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