In Gainesville, the average household has two cars. Even though public transportation is accessible in the city, most people rely on their cars to get to work. If your car is essential to maintaining your job, you should purchase a full coverage insurance policy.
All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.
The state minimum amount of property damage liability coverag required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.
A popular area for seniors to retire, Gainesville offers more than just fun in the sun. Those in their 80s pay quite low car insurance rates, at an average of $117, compared to over three times that amount for drivers under the age of 20. Most motorists enjoy declining rates decade after decade, although individuals in their 40s and 50s see prices rising to $243 and $206, respectively, before dropping back down.
|Failure to Stop for Red Light / Stop Sign||$179|
Having a clean driving record pays off in Gainesville, as individuals pay an average of $202 for their coverage. For the most part, a moving violation will cause your car insurance prices to soar. A speeding ticket pushes premiums to $248, and an at-fault accident on your record will result in roughly a $41 increase compared to those whose driving history is clear.
Working on your credit will pay off handsomely if you’re a Gainesville resident, as drivers here enjoy lower and lower rates as their scores increase. If you have poor credit, expect to pay around $248 for coverage. Those with average credit see a savings of $27, while individuals in the good credit tier pay around $215. The most savings are enjoyed by drivers in the excellent tier, as they pay a mere $182.
Gainesville has one full-service outpost and two other DMV locations that can help with registering your vehicle. The Florida DMV also has many online services for Alachua County residents. If you need proof of insurance to bring to the DMV, it’s easy to get a policy online. Just use Insurify to identify the lowest rate and apply for car insurance in minutes.
The Gainesville Regional Transit System runs seven days per week, and about 7 percent of workers use the system to get to work. You can also catch an Uber, Lyft, or traditional taxi service in Gainesville. But the majority of Gainesville residents (about 78 percent) drive to work, commuting an average of 18 minutes to get there.
If you’re caught driving uninsured in Florida, you face a $150 fine and the suspension of your license and registration. And if you get in an accident without insurance, it could devastate your finances.
An estimated 27 percent of drivers in Florida don’t have car insurance, and they’re vulnerable to serious consequences in the event of an accident. To ensure you are driving legally and to protect your vehicle, you’ll need to carry a minimum of: $10,000 in property damage liability coverage $10,000 in personal injury protection $10,000 per person and $20,000 per accident in bodily injury coverage But you don’t have to drain your bank account to pay for car insurance, and you may even be able to get a full coverage policy for less than you think. Use Insurify to compare customized quotes from up to 20 different insurers. You can toggle between coverage amounts to see the best deal for the policy you want. It’s so easy to get affordable car insurance through Insurify, there’s no reason to risk driving uninsured.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Gainesville drivers measure up to their fellow Florida motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Gainesville drivers rank 17 in the number of car accidents per driver across all cities in Florida.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Gainesville drivers rank 4 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Gainesville drivers rank 80 in the number of DUI’s per driver across all cities in Florida.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Gainesville is the Toyota Corolla.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Gainesville drivers rank 59 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Gainesville drivers rank 90 in clean driving records across all cities in Florida.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Gainesville drivers rank 66 in failure to yield violations per driver across all cities in Florida.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Gainesville drivers rank 89 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Gainesville drivers rank 63 in hybrid and electric vehicle ownership across all cities in Florida.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.