6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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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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Updated November 7, 2024
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Table of contents
Located north of Atlanta, Gainesville has an overall average monthly car insurance cost of $184. Not to be confused with the city of the same name in Florida, Gainesville, Georgia, is a smaller town off of Interstate 985 with a population of fewer than 50,000 people.
Despite having few residents, Gainesville car insurance costs are cheaper than the state average of $196 and more expensive than the national average of $158. However, drivers in the area may find the cheapest car insurance rates with companies like Auto-Owners, COUNTRY Financial, and State Farm. Comparing car insurance rates can help you find the best coverage at the right price for you.
Hugo, Auto-Owners, and State Farm are the cheapest insurers in Gainesville.
New Georgia legislation closes a loophole insurers used to increase rates by as much as 25% per rate filing.
Gainesville has cheaper average rates than nearby Atlanta and Stone Mountain.
3 of the cheapest car insurance companies in Gainesville
The best way to find the cheapest car insurance in Gainesville is to identify the insurer that can meet your insurance needs as well as your budget. Insurers take various factors into account when deciding on rates, including age, location, vehicle, credit history, and driving record. Consider comparing prices with insurers like Auto-Owners, State Farm, and COUNTRY Financial, all of which have affordable rates.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
---|---|---|---|---|
Auto-Owners | 8.5 | $94 | $59 | Liability-only coverage |
State Farm | 9.3 | $101 | $64 | Families |
COUNTRY Financial | 8.8 | $102 | $65 | Bundling |
Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Auto-Owners
User Reviews | 4.0 |
---|---|
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. | 8.5 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
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. | $92/mo |
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Debra
November 3, 2024
Excellent
Scotty
November 2, 2024
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Average
Auto-Owners may only serve half of the country, but drivers in Gainesville can benefit from its presence both in terms of coverage and budget. It offers coverages like roadside assistance, rental car coverage, purchase price guarantee, gap insurance, and more. This insurer uses independent agents, so Gainesville drivers may appreciate the locally based service.
Lower average rates than competitors
Insurance for classic, modified, and converted cars available
Online policy purchasing not available
High number of National Association of Insurance Commissioners (NAIC) complaints
Best insurer for families: State Farm
User Reviews | 4.2 |
---|---|
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 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
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. | $99/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Bonnie
November 7, 2024
Solid Offering
Fred
November 7, 2024
Unfair Treatment by State Farm
Dianne
November 7, 2024
A Royal Rip-Off
Whether you have young drivers getting comfortable behind the wheel or children attending local colleges, Gainesville drivers with families can benefit from State Farm’s diverse coverage options and discounts. Discounts are available for students both in high school and college. As a national brand, State Farm’s long industry history is well-known, and it holds high standings with AM Best and S&P.
Discounts available for students
Rideshare insurance available
Online policy purchasing not available
Gap insurance not available
Best insurer for bundling: COUNTRY Financial
User Reviews | 3.6 |
---|---|
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. | 8.8 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $67/mo |
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. | $101/mo |
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
Drivers appreciate the great customer service and initial low prices but dislike the frequent rate increases and poor roadside assistance.
Chloe
October 19, 2024
Unaffordable Rates That Increase Monthly
James
October 8, 2024
Insurance Cost
Dayna
September 17, 2024
Goodbye, Country Financial
Some Gainesville drivers need more insurance products than just auto insurance. COUNTRY has an AM Best financial strength rating of A+ (Superior) and a 95-year history, not to mention some of the lowest rates in Gainesville. Drivers can bundle their auto insurance with home insurance, life insurance, or a COUNTRY bank account.
Plenty of available add-on coverages
Unique discounts
Rideshare insurance not available in Georgia
Legacy discounts require multiple policies
How to get the cheapest car insurance in Gainesville
From marital status and age to ZIP codes and vehicle type, many factors influence your premium. To potentially lower your monthly bill and find the cheapest car insurance in Gainesville, consider these tips:
Look for discounts. Insurers offer discounts that drivers can take advantage of. Look for companies that have discounts for attending college away from home, taking a defensive driving course, vehicle safety features, paying premiums in full, and more.
Bundle policies. Many insurers have discounts when you buy more than one insurance product from them. For example, you can bundle auto insurance with home insurance, boat insurance, life insurance, renters insurance, and more to save money on both policies.
Improve your credit. Your credit history can affect your car insurance rates, so improve your credit by paying credit cards and loans on time and keeping your credit utilization ratio below 30%.
Cheapest liability-only car insurance in Gainesville: Hugo
If you’re searching for the cheapest car insurance in Gainesville, liability-only policies typically have the lowest rates. Liability-only insurance doesn’t cover your injuries or vehicle damages. Instead, it provides bodily injury and property damage liability insurance that cover the damages and injuries you cause another person in an at-fault accident. Gainesville drivers can find liability-only coverage at an average cost of $139 per month.
Here are the cheapest companies for liability insurance in Gainesville.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Hugo | $54 |
Auto-Owners | $61 |
State Farm | $66 |
COUNTRY Financial | $67 |
Allstate | $72 |
Mile Auto | $72 |
USAA | $76 |
Progressive | $89 |
Safeco | $93 |
GEICO | $106 |
Mercury | $110 |
Clearcover | $115 |
Direct Auto | $133 |
Elephant | $133 |
Liberty Mutual | $133 |
AssuranceAmerica | $135 |
GAINSCO | $148 |
Midvale Home & Auto | $148 |
National General | $154 |
Nationwide | $158 |
Infinity | $194 |
The General | $201 |
Bristol West | $223 |
Foremost | $240 |
Cheapest full-coverage car insurance in Gainesville: Auto-Owners
No matter if you speak to an independent insurance agency or call an insurance agent representing a national brand, you likely won’t receive an industry-standard definition of full-coverage car insurance.
In most cases, full-coverage car insurance includes liability coverage and combines it with coverage options that protect your vehicle, such as collision and comprehensive insurance. It can also include medical payments (MedPay) or personal injury protection (PIP), which cover your medical expenses after an accident, regardless of fault. Drivers in Gainesville pay an average of $230 per month for full-coverage insurance.
Here are Gainesville’s cheapest full-coverage car insurance companies.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $92 |
State Farm | $99 |
COUNTRY Financial | $101 |
Allstate | $109 |
USAA | $116 |
Mile Auto | $122 |
Safeco | $152 |
Progressive | $154 |
GEICO | $160 |
Mercury | $172 |
Elephant | $190 |
State Auto | $208 |
Clearcover | $216 |
Hugo | $217 |
Midvale Home & Auto | $227 |
AssuranceAmerica | $235 |
Liberty Mutual | $239 |
Nationwide | $239 |
Direct Auto | $244 |
National General | $261 |
Foremost | $299 |
GAINSCO | $300 |
The General | $345 |
Infinity | $366 |
Bristol West | $434 |
Cheapest recent rates near Gainesville, Georgia
Recent Gainesville, Georgia car insurance prices for Hyundai, Honda, Ford , and more.
*Quotes generated for Insurify users in and around Gainesville, Georgia within the last 10 days. Last updated on November 7, 2024
*Quotes generated for Insurify users in and around Gainesville, Georgia within the last 10 days. Last updated on November 7, 2024
Car insurance requirements in Georgia
Georgia is an at-fault state, unlike its neighbor Florida, which is a no-fault state. At-fault states require basic types of insurance under their tort systems: bodily injury liability insurance, property damage liability insurance, and sometimes uninsured motorist coverage. Georgia doesn’t require uninsured motorist coverage, but the state recommends it for people concerned about uninsured drivers on the road.
Georgia state law requires that all Gainesville drivers maintain the following minimum levels of auto insurance coverage:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person $50,000 per incident |
Property damage liability | $25,000 per incident |
Gainesville drivers can also purchase as much additional coverage as they desire to protect themselves and their property from injuries and damage. Consider these optional coverages:
Collision coverage
Collision coverage pays for vehicle damages if you hit a stationary object or another vehicle with your car, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for vehicle damages and repairs from non-collision events, like falling objects, severe weather, theft, and vandalism.
Medical payments coverage
Medical payments coverage pays for your and your passenger’s medical and funeral expenses from a car accident, regardless of fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages and injuries you’ve sustained from an at-fault driver who doesn’t have proper insurance coverage.
Rental reimbursement coverage
Rental reimbursement coverage pays for rental car expenses when your vehicle is in the repair shop.
Towing and labor coverage
Towing and labor coverage pays for towing and roadside assistance when your car breaks down.
Georgia House Bill 221
Overpaying for car insurance can hamper your finances and make it difficult to afford the coverage you need to have the right protections while driving. Unfortunately, some companies raise rates frequently to compensate for overall losses.
Georgia Gov. Brian Kemp passed legislation in May 2023 that gave the state’s insurance and safety fire commissioner the ability to review all car insurance rate filings before it raises Georgia policyholders’ premiums.[2]
On July 1, 2023, this legislation went into effect, now preventing insurers from exploiting a loophole that allowed them to raise auto insurance rates up to 25% during a single filing.
Cheapest car insurance for drivers with an incident
If you received a speeding ticket or caused an accident with another driver, it’s likely your insurance premiums increased. Speeding tickets, driving under the influence, certain moving violations, and at-fault accidents are all incidents that can cause insurers to increase your rates.
Here are average monthly quotes from car insurers in Gainesville, based on driving record.
Cheapest car insurance for drivers with a speeding ticket: Hugo
With I-985 cutting through Gainesville, it may be easy to pull off the highway and forget to slow to the city’s lower speed limits. Unfortunately, a speeding ticket could increase your car insurance rate. Speed is a common factor in fatal car accidents, and insurers consider speeding to be a risky behavior.[3]
The average cost of car insurance for drivers with a speeding ticket in Gainesville is $318 per month for full coverage and $192 for liability only.
If you want affordable car insurance after a speeding ticket in Gainesville, check out the table below, which shows liability-only quotes from the cheapest insurers.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
---|---|---|
Hugo | $54 | $69 |
Auto-Owners | $61 | $79 |
State Farm | $66 | $84 |
COUNTRY Financial | $67 | $88 |
Allstate | $72 | $92 |
Mile Auto | $72 | $95 |
USAA | $76 | $97 |
Progressive | $89 | $114 |
Safeco | $93 | $121 |
GEICO | $106 | $136 |
Mercury | $110 | $151 |
Clearcover | $115 | $150 |
Direct Auto | $133 | $170 |
Elephant | $133 | $185 |
Liberty Mutual | $133 | $185 |
AssuranceAmerica | $135 | $175 |
GAINSCO | $148 | $206 |
National General | $154 | $199 |
Nationwide | $158 | $205 |
Infinity | $194 | $259 |
The General | $201 | $261 |
Bristol West | $223 | $286 |
Foremost | $240 | $334 |
Cheapest car insurance for drivers with an at-fault accident: Hugo
Maybe you’re rushing to make your flight out of Lee Gilmer Memorial Airport, or you backed into a parked car at the Atlanta Botanical Garden. Mistakes happen to many Gainesville drivers, but these incidents can be costly. At-fault traffic accidents often trigger a rate increase, even if it’s your first one.
While some auto insurance coverage policies include an accident-forgiveness component, many don’t. Rates will likely increase because your accident caused your insurer to pay for the damages or injuries.[4] In Gainesville, the average cost of car insurance for drivers with an accident is $333 per month for full coverage and $201 for liability only.
Here are the cheapest liability-only auto quotes in Gainesville for drivers with an at-fault accident on their records.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
---|---|---|
Hugo | $54 | $78 |
Auto-Owners | $61 | $83 |
State Farm | $66 | $89 |
COUNTRY Financial | $67 | $94 |
Allstate | $72 | $97 |
Mile Auto | $72 | $102 |
USAA | $76 | $103 |
Progressive | $89 | $122 |
Safeco | $93 | $123 |
GEICO | $106 | $144 |
Mercury | $110 | $159 |
Clearcover | $115 | $167 |
Direct Auto | $133 | $184 |
Elephant | $133 | $176 |
Liberty Mutual | $133 | $193 |
AssuranceAmerica | $135 | $181 |
GAINSCO | $148 | $192 |
National General | $154 | $210 |
Nationwide | $158 | $216 |
Infinity | $194 | $258 |
The General | $201 | $276 |
Bristol West | $223 | $300 |
Foremost | $240 | $348 |
Cheapest car insurance for drivers with a DUI: Hugo
Between 2017 and 2020, more than 2,000 drivers received a DUI conviction in Georgia’s Hall County.[5] Driving under the influence of alcohol or drugs can lead to some of the highest auto insurance rates, as well as your insurance company not renewing your policy at the end of its term. Georgia may even require you to file SR-22 insurance and maintain its coverage for three years.
Gainesville drivers can expect to pay an average of $379 per month for full coverage and $229 for liability only after a DUI conviction.
Here are the most affordable car insurance companies offering minimum coverage for Gainesville drivers with a DUI.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
---|---|---|
Hugo | $54 | $89 |
Auto-Owners | $61 | $101 |
State Farm | $66 | $109 |
COUNTRY Financial | $67 | $110 |
Allstate | $72 | $119 |
Mile Auto | $72 | $119 |
USAA | $76 | $125 |
Progressive | $89 | $147 |
Safeco | $93 | $153 |
GEICO | $106 | $175 |
Mercury | $110 | $166 |
Clearcover | $115 | $190 |
Direct Auto | $133 | $219 |
Elephant | $133 | $219 |
Liberty Mutual | $133 | $219 |
AssuranceAmerica | $135 | $223 |
GAINSCO | $148 | $244 |
National General | $154 | $254 |
Nationwide | $158 | $260 |
Infinity | $194 | $320 |
The General | $201 | $331 |
Bristol West | $223 | $368 |
Foremost | $240 | $396 |
Cheapest car insurance for seniors: Hugo
As drivers age, their experience earns them cheaper car insurance rates, starting around age 35. Unfortunately, fatal crash rates increase substantially for drivers after age 70, which then leads to an increase in rates around the age of 75. Health problems and an increased susceptibility to injury increase the likelihood of causing an accident and sustaining major injuries in an accident.[6]
Senior drivers often have lower-than-average premiums compared to many other age groups. The average cost of car insurance for senior drivers in Gainesville is $182 per month for full coverage and $110 for liability only.
The table below shows the cheapest auto insurers for older adults in Gainesville.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲ |
---|