Cheap Auto Insurance Quotes in Gainesville, FL, for 2023

Car Insurance in Gainesville, FL

Compared to most Florida metros, cheap car insurance isn’t all that hard to find in Gainesville. Thankfully, most Gainesville drivers can get affordable insurance coverage at an average of $198 per month, but you can always save more on car insurance by comparing car insurance quotes. Try it with Insurify and start saving today! It’s free and only takes five minutes.

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Cheap Car Insurance in Florida

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Cheapest Car Insurance in Gainesville, FL

This table shows average car insurance quotes specific to Gainesville from various insurance companies. You’ll see Hugo, which offers pay-as-you-go auto insurance, coming in with a very low average quote, but if you drive daily, the average cheap auto insurance policy costs more in the $200 range.

Best Car Insurance in Gainesville, FL

Your auto insurance company should give you cheap rates—but don’t you want more than that? The Insurify Composite Score (ICS) helps you evaluate companies beyond their insurance quotes. It captures financial stability, the claims experience, accessibility, and customer service along with affordability. In this list, Safeco’s high ICS and low insurance premiums stand out.

Minimum Car Insurance Requirements in Florida

Gainesville Car Insurance Rates by Driver Age

Here’s where students at UF might be concerned. Teens in Florida—note that this table shows state-level average rates—pay over $500 per month for auto insurance, a devastating average that is tough to bring down. Once you hit your second decade, your wallet will breathe a sigh of relief—and Florida’s seniors and retirees enjoy relatively low auto insurance rates.

Gainesville Car Insurance Rates by Driving and Accident History

Gainesville drivers can find cheaper insurance if they have a clean driving record. Insurance agencies price auto insurance based on your likelihood of getting in a car accident. So if you have violations on your driving record, your insurance quotes will typically climb. You can see this in the average rates Gainesville drivers pay based on past violations and accidents.

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Gainesville Car Insurance Rates by Credit Tier

In Gainesville, the numbers show that a great credit score will typically fast-track you to cheap auto insurance. You can see in the table below that having excellent credit can help you save money while having poor credit can result in very high insurance rates. It’s much harder to find cheap car insurance as a teenager than it is as a safe driver with bad credit.

How to Get the Cheapest Car Insurance in Gainesville

Floridians drive a lot. So when you’re building your auto insurance policy, you’ll want affordable insurance that includes important coverage options. Full coverage, which includes comprehensive coverage and collision insurance, is your best bet for auto insurance that will actually help you out in a car accident. Otherwise, the financial impacts can be horrible.

Having it all—affordable auto insurance and solid coverage—takes some finesse. That’s where Insurify comes in. As your personal insurance agent, it hunts through the internet and pulls free quotes from the best insurance companies in your area for you all in one place. Car insurance comparison is more work than anyone should do on their own, so count on Insurify to help.

For more detailed Florida city guides, check out these below