Cheap Auto Insurance Quotes in Gainesville, FL (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

Car Insurance in Gainesville, FL

The average cost of Florida car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Gainesville, FL to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Gainesville, FL

Here are the cheapest carriers in Gainesville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Gainesville, FL

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Gainesville. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Gainesville, FL Driving Facts

Minimum Car Insurance Requirements in FL

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:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:

  • $10,000 no-fault or personal injury protection (PIP) insurance

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.

  • $10,000 property damage liability (PDL) insurance

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.

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Gainesville Car Insurance Rates by Driver Age

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.

Driver's AgeAvg. Monthly Cost
teens$364
20s$229
30s$184
40s$244
50s$207
60s$172
70s$196
80s$118
Driving HistoryAvg. Monthly Cost
No Violation$202
Speeding Ticket$249
At-Fault Accident$244
Failure to Stop for Red Light / Stop Sign$179

Gainesville Car Insurance Rates by Driving and Accident History

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.

Gainesville Car Insurance Rates by Credit Tier

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.

Credit TieAvg. Monthly Cost
Excellent$183
Good$216
Average$222
Poor$249

Gainesville, FL DMV Information

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.

Public Transportation in Gainesville, FL

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.

Conclusion: How to get the best and cheapest car insurance in Gainesville, FL

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Gainesville stacks up for the state of Florida:

toyota
Toyota Corolla
Most Popular Car in
Gainesville, FL
suspended licenses
#50
Cities with Most
Suspended Licenses Rank

FAQs - Gainesville, FL Car Insurance

Is Florida a no-fault state for car insurance?

Yes. In the event of an accident, both drivers make claims with their own insurance companies, no matter who was at fault. That means that your insurance company pays for any injuries you sustain, regardless of fault.

How much does auto insurance in Gainesville cost?

Car insurance in Gainesville costs an average of $182 per month. While that’s significantly less than the state average of $313 per month, it can still be difficult for many families to afford. Luckily, some providers are able to offer quotes as low as $65 per month to drivers with a clean record. And if you use Insurify to compare rates, you can easily locate the best deal for the coverage you need.

Will my credit score impact my premium in Florida?

Yes. Having no credit in Florida can mean up to an 111 percent increase in car insurance costs when compared to someone with excellent credit. But every insurance provider weighs credit information differently; at some companies, there may not be a premium difference at all. That’s why it’s so important to compare customized quotes from different insurers.