Cheapest Auto Insurance in Gainesville, Florida (2024)

GEICO offers the cheapest car insurance in Gainesville, with minimum-coverage policies as low as $57 per month.

Jacqueline DeMarco
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Courtney Mikulski
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Updated May 29, 2024

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Cheapest recent rates near Gainesville, Florida

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $97/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 May 28, 2024

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 May 28, 2024. 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 May 28, 2024

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 May 28, 2024. 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 $237 per month in Gainesville, and the average for minimum coverage is $163. The state-level averages are $295 for full coverage and $216 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
  • GEICO, State Farm, and Hugo 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$83$71Full coverage
GEICO4.4$85$73Senior drivers
Allstate4.4$143$124Drivers 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for full coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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++
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

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

Read our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

Best insurer for senior drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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++
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.
$67/mo

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

Read our GEICO review
Diana - May 29, 2024
Verified

Too Expensive!

Way too expensive.

Andrew - May 29, 2024
Verified

Too Expensive

Too expensive. $115 a month for basic liability.

Kennethkenneth - May 29, 2024
Verified

I Want Out

They are too expensive.

Best insurer for drivers with an accident: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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-
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.
$113/mo

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

Read our Allstate review
Sandra - May 29, 2024
Verified

Discussed with Auto Insurance Supplier

It's extremely expensive, even though I have no points against my driver's license. I've never had an accident that was my fault, and I even have renters insurance included. Plus, I have great credit!

David - May 29, 2024
Verified

Upset!

I have sent numerous emails about my rates being raised and no one has gotten back to me! I am currently looking for another company.

Robert F - May 29, 2024
Verified

Upset and shocked

I'm not happy with Allstate since they raised my premium to $282 from $166 through no fault of my own. It was a woman from Delaware who rear-ended me very hard and she had no insurance at the time. I am disgusted with them.

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 $57 per month

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Cheapest liability-only car insurance in Gainesville: GEICO

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 $163 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 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
GEICO57
State Farm57
Hugo61
Allstate98
Safeco103
Mile Auto104
Mercury116
Travelers117
Liberty Mutual120
Direct Auto125
Midvale Home & Auto137
Progressive143
Infinity156
Foremost165
Dairyland172
GAINSCO175
AssuranceAmerica191
Bristol West214
National General241
The General251
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 $237 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 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm65
GEICO67
Hugo109
Allstate113
Safeco130
Travelers135
Mercury139
Mile Auto143
GAINSCO183
Liberty Mutual199
Progressive204
Midvale Home & Auto207
Infinity208
Direct Auto217
Foremost248
National General248
AssuranceAmerica283
Dairyland303
Bristol West313
The General363
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.

How Much Other Insurify Customers Pay in and around Gainesville, Florida

Recent Gainesville, Florida car insurance prices for Nissan, Ford, Jeep , and more.

*Quotes generated for Insurify users in and around Gainesville, Florida within the last 10 days. Last updated on May 28, 2024

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 May 28, 2024. 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 May 28, 2024

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 May 28, 2024. 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for damages from collisions — as the name suggests — with an object or another vehicle, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage includes coverage for theft and damages from incidents like fire, vandalism, theft, falling objects, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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?

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 $66/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 $282 per month for full coverage and $194 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 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
GEICO5767
State Farm5767
Hugo6176
Allstate98115
Safeco103123
Mile Auto104133
Mercury116147
Travelers117139
Liberty Mutual120157
Direct Auto125149
Midvale Home & Auto137167
Progressive143169
Infinity156192
Foremost165216
Dairyland172204
GAINSCO175229
AssuranceAmerica191230
Bristol West214250
National General241316
The General251299
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: GEICO

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 $306 per month for full coverage and $210 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 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
GEICO5772
State Farm5772
Hugo6175
Allstate98124
Safeco103126
Mile Auto104145
Mercury116156
Travelers117149
Liberty Mutual120166
Direct Auto125162
Midvale Home & Auto137183
Progressive143184
Infinity156194
Foremost165229
Dairyland172217
GAINSCO175213
AssuranceAmerica191242
Bristol West214265
National General241302
The General251323
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: GEICO

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 $353 for full coverage and $243 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 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
GEICO5790
State Farm5790
Hugo6197
Allstate98155
Safeco103163
Mile Auto104149
Mercury116165
Travelers117185
Liberty Mutual120190
Direct Auto125198
Midvale Home & Auto137217
Progressive143227
Infinity156247
Foremost165261
Dairyland172273
GAINSCO175277
AssuranceAmerica191303
Bristol West214339
National General241382
The General251398
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: Hugo

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 $197 per month for full coverage and $136 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 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm5044
GEICO5345
Hugo7844
Allstate9179
Mercury10588
Safeco10583
Travelers10692
Mile Auto10979
Progressive147103
GAINSCO150143
Infinity157118
Liberty Mutual15795
Midvale Home & Auto158104
Direct Auto16796
Foremost194129
National General200194
AssuranceAmerica216146
Dairyland243138
Bristol West251172
The General298206
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 $365 for full coverage and $251 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 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
GEICO9782
State Farm10289
Hugo17698
Allstate183158
Travelers225195
Mercury235196
Safeco255202
Mile Auto258188
GAINSCO303290
Midvale Home & Auto333220
Progressive342240
Liberty Mutual344208
Infinity353265
Direct Auto367212
Foremost406270
National General430418
Dairyland469266
AssuranceAmerica488329
Bristol West492336
The General540374
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.

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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 $215 per month, and the Florida state average is $295 per month. Gainesville residents pay an average monthly premium of $237 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.

CityFull CoverageLiability Only
Fort Lauderdale$348$264
Fort Myers$274$194
Jacksonville$287$205
Lakeland$275$193
Miami$387$283
Ocala$257$179
Orlando$306$222
Pompano Beach$345$262
Saint Petersburg$298$239
Tampa$380$316
West Palm Beach$364$303
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 $237 per month for full coverage and $163 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?

    GEICO offers the cheapest car insurance for Gainesville drivers, with minimum-coverage rates that start at $57 per month. State Farm and Hugo are the citys second- and third-cheapest insurers, with monthly liability-only rates as low as $57 and $61, 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.

Sources

  1. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  2. III. "Do auto insurance premiums go up after a claim?."
  3. Florida Department of Highway Safety and Motor Vehicles. "Annual Uniform Traffic Citation Report."
  4. Florida Department of Highway Safety and Motor Vehicles. "DUI Frequently Asked Questions."
  5. III. "Senior driving safety and insurance tips."
  6. III. "What determines the price of an auto insurance policy?."
  7. The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
Jacqueline DeMarco
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 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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