Cheapest Auto Insurance in Gainesville, Florida (2025)

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 $184 per month in Gainesville, and the average for minimum coverage is $115. The state-level averages are $224 for full coverage and $150 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.

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.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $79/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $81/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $133/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $138/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $169/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $228/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $338/mo*
Overall rating 4.2 5,929 reviews	Overall rating 4.1 6,355 reviews	Overall rating 4.4 480 reviews	Overall rating 4.0 3,602 reviews	Overall rating 4.0 1,155 reviews	Overall rating 3.5 6,791 reviews	Overall rating 3.6 462 reviews
Value for money 3.9/5	Value for money 3.9/5	Value for money 4.2/5	Value for money 3.7/5	Value for money 3.8/5	Value for money 3.5/5	Value for money 3.3/5
Customer service 4.2/5	Customer service 4.0/5	Customer service 4.2/5	Customer service 3.9/5	Customer service 3.9/5	Customer service 3.5/5	Customer service 3.2/5
Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.4/5	Claims handling 3.9/5	Claims handling 4.1/5	Claims handling 3.5/5	Claims handling 3.3/5
Special highlight AI-generated from 5929 user reviews Customer service	Special highlight AI-generated from 6355 user reviews Teen drivers	Special highlight AI-generated from 480 user reviews Usage-based savings	Special highlight AI-generated from 3602 user reviews Accident forgiveness	Special highlight AI-generated from 1155 user reviews Bundling discounts	Special highlight AI-generated from 6791 user reviews Competitive rates	Special highlight AI-generated from 462 user reviews High-risk drivers

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

Full Coverage

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User Reviews	4.2 5,929 reviews
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.	$69/mo

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Driver Reviews

4.2

Best choiceBased on 10,903 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 (5,929)

Georgia

May 5, 2025

Verified Review

I am a long-time customer. They could have given me more discounts as I don't drive the car much, maybe 1000 or fewer miles a year. I hope they will do so in the next 6 months.

I am a long-time customer. They could have given me more discounts as I don't drive the car much, maybe 1000 or fewer miles a year. I hope they will do so in the next 6 months.

Carolyn

May 5, 2025

Verified Review

We must think they are good... we have been with them for 50 years! They do not insure dwellings over 20 years old, and that is why I am looking. Nothing wrong with them. Just renewed my car insurance with them this week.

We must think they are good... we have been with them for 50 years! They do not insure dwellings over 20 years old, and that is why I am looking. Nothing wrong with them. Just renewed my car insurance with them this week.

Randall

May 5, 2025

Verified Review

Valued

I've had great service on two claims. It went very smoothly.

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Our Advice

JD Power

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)

• No gap insurance

Best insurer for senior drivers: GEICO

Senior Drivers

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User Reviews	4.1 6,355 reviews
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 /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.	$71/mo

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Driver Reviews

4.1

Best choiceBased on 11,722 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 (6,355)

Wilson

May 5, 2025

Verified Review

After 11 years with the company they punish

After 11 years with the company, they punish customers for reporting a claim, but they never paid for the claim because I paid with my own money. Even when I paid, they still used the report to increase my premiums. That's why I canceled my 11-year auto insurance and my house policy too.

Laurie

May 5, 2025

Verified Review

My Geico Experience

It was affordable for me.

Randy

May 5, 2025

Verified Review

I just canceled because State Farm is $38 a month less expensive for auto and $5 less for renters. You guys should be aware of this.

I just canceled because State Farm is $38 a month less expensive for auto and $5 less for renters. You guys should be aware of this.

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Our Advice

JD Power

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

Drivers with an Accident

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User Reviews	4.0 3,602 reviews
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.	$120/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 6,678 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 (3,602)

Haakayoo

May 5, 2025

Verified Review

Allstate is getting too expensive

I am not sure I would recommend Allstate to anyone at this time. Although their bundles are still better than those offered by many of their competitors, they raise their auto premiums by huge margins every premium cycle under the guise that there are a lot of claims filed by drivers in Georgia. Although that is true, it does not justify the 30% to 35% premium increases I have seen in the last year alone. I suspect the four accidents I have had since March 21, 2024. Although I was absolved of fault by the police reports in as many as three of them, my six-monthly premiums jumped from $870 before March 21, 2024, to $1,395 in the most recent renewal. That is a whopping 60% increase in a single year!

Yolanda

May 5, 2025

Verified Review

Awesome Agents

I never had to file a claim, so I don't know how that works. However, I have needed to make late payments, and my guy Lyle is awesome and very understanding. The one thing that is confusing is the safe driver's discount. My first month, I saved like $166, and it was applied to my bill, which I love. Then, like 3 months went by with no savings, and I know I didn't change my driving habits. Then another time, I saved over $100. But otherwise, it's a great company. They actually email back the same day or the next day.

John

May 5, 2025

Verified Review

SCAM

Great company. Easy to do business with. They love your premiums. Once you become a number with any insurance company, you're part of their revenue stream. Which is to say you're there for no other reason than to generate revenue. NOT MAKE A CLAIM: GOD FORBID YOUR WINDSHIELD CRACKS... They will hold that against you and want/take every cent back, and guess what? After they get the money back, they will keep your rates nice and high so they get even more money from you. Insurance is the biggest SCAM going, and politicians allow them to reach into our pockets and reap enormous rewards in profits. Other than that, Allstate is a fine company.

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Our Advice

JD Power

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 $54 per month

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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 $115 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: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$54
GEICO	$55
Mile Auto	$88
Allstate	$94
Travelers	$111
Direct Auto	$122
Mercury	$126
Root	$133
Progressive	$141
Infinity	$152
Foremost	$162
GAINSCO	$179
Bristol West	$183
Dairyland	$185
National General	$208
The General	$226

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 $184 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: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$69
GEICO	$71
Mile Auto	$113
Allstate	$120
Travelers	$142
Mercury	$162
Root	$204
Progressive	$212
Infinity	$212
National General	$214
Direct Auto	$232
Foremost	$245
Bristol West	$256
GAINSCO	$270
The General	$299
Dairyland	$326

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.

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 $62/mo. for drivers with an incident

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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 $223 per month for full coverage and $139 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: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$54	$65
Mile Auto	$88	$104
Allstate	$94	$114
Travelers	$111	$136
Direct Auto	$122	$149
Mercury	$126	$165
Root	$133	$177
Progressive	$141	$172
Infinity	$152	$190
Foremost	$162	$209
GAINSCO	$179	$231
Bristol West	$183	$225
Dairyland	$185	$224
National General	$208	$251
The General	$226	$286

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 $238 per month for full coverage and $149 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: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$54	$68
Mile Auto	$88	$114
Allstate	$94	$120
Travelers	$111	$143
Direct Auto	$122	$160
Mercury	$126	$176
Root	$133	$185
Progressive	$141	$186
Infinity	$152	$191
Foremost	$162	$219
GAINSCO	$179	$221
Bristol West	$183	$235
Dairyland	$185	$236
National General	$208	$262
The General	$226	$298

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 $275 for full coverage and $172 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: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$54	$84
Mile Auto	$88	$137
Allstate	$94	$146
Travelers	$111	$172
Direct Auto	$122	$189
Mercury	$126	$188
Root	$133	$189
Progressive	$141	$219
Infinity	$152	$236
Foremost	$162	$251
GAINSCO	$179	$278
Bristol West	$183	$284
Dairyland	$185	$287
National General	$208	$323
The General	$226	$351

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 $152 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: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$53	$42
Mile Auto	$85	$66
Allstate	$96	$75
Travelers	$110	$86
Mercury	$130	$101
Progressive	$151	$100
Infinity	$162	$116
National General	$162	$157
Root	$174	$113
Direct Auto	$179	$94
Foremost	$197	$130
Bristol West	$205	$147
GAINSCO	$222	$147
The General	$238	$180
Dairyland	$261	$148

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: 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 $314 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: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$123	$96
Allstate	$223	$175
Mile Auto	$224	$175
Travelers	$264	$206
Mercury	$291	$226
Root	$312	$204
Progressive	$378	$251
Infinity	$384	$276
National General	$419	$408
Direct Auto	$437	$230
Bristol West	$439	$314
Foremost	$443	$293
GAINSCO	$478	$317
The General	$481	$363
Dairyland	$519	$295

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.

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 $195 per month, and the Florida state average is $224 per month. Gainesville residents pay an average monthly premium of $184 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	$292	$192
Fort Myers	$219	$137
Jacksonville	$233	$146
Lakeland	$213	$141
Miami	$330	$208
Ocala	$206	$128
Orlando	$248	$162
Pompano Beach	$283	$197
Saint Petersburg	$251	$169
Tampa	$310	$216
West Palm Beach	$288	$200

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