Cheapest Auto Insurance in Gainesville, Florida (2024)

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 $243 per month in Gainesville, and the average for minimum coverage is $158. The state-level averages are $299 for full coverage and $213 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.

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.

Best insurer for full coverage: State Farm

Best insurer for senior drivers: GEICO

Best insurer for drivers with an accident: Allstate

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.

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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 $158 per month for liability coverage, on average. Here are some of the cheapest car insurance companies in Gainesville for liability-only policies.

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 $243 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.

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]

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]

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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 $287 per month for full coverage and $187 for minimum coverage. The table below shows the cheapest average car insurance companies for Gainesville drivers with a speeding ticket.

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 $310 per month for full coverage and $201 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.

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 $358 for full coverage and $233 for liability only. For Gainesville drivers seeking the cheapest average car insurance companies despite having a DUI on their record, consult the table below.

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 $202 per month for full coverage and $132 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.

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 $373 for full coverage and $242 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.

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.

Is car insurance more expensive in Gainesville?

The national average for full-coverage car insurance is $213 per month, and the Florida state average is $299 per month. Gainesville residents pay an average monthly premium of $243 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.

Gainesville car insurance FAQs