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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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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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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 $193 and more expensive than the national average of $160. 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.
Quick Facts
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
$97
$64
Liability-only coverage
State Farm
9.3
$104
$69
Families
COUNTRY Financial
8.8
$106
$70
Bundling
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.
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
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
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.
Pros
Lower average rates than competitors
Insurance for classic, modified, and converted cars available
Cons
Online policy purchasing not available
High number of National Association of Insurance Commissioners (NAIC) complaints
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
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.
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
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
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.
The rate was increased to $950 every three months. I called twice about getting a lower rate and was told they would call me back. They never did.
Linda - July 15, 2024
Verified
Great Customer Service
I have loved Country Financial, but my rates keep going up. I can get better prices elsewhere.
Brian - July 15, 2024
Verified
Great until complications arose...
Country's coverage was initially satisfactory, but they made it a full-time job to account for what I was covered for. I understand they needed a list of my losses after a home fire. I took 3 days off work to provide them with a list, which totaled over 50k. Then, they required receipts to replace those losses! I had to start buying replacements for the things I lost out of my own pocket. I only managed to purchase 18.6k worth of items and provide the receipts from my own resources. Then I was told, 'Oh, you need to match those receipts to our itemized list of your losses that you paid for?' I don't own a computer anymore and where I'm living now has no internet. How am I supposed to do this? I gave Country a 3-day report of my losses and they had me spending my OWN money to replace my losses! They initially covered me well, which is what I thought I paid for, but this deteriorated from there. Now, I'm not only dealing with over 50k in losses, but I'm also caught up in their replacement receipt scheme for over 15.6k out of my own pocket! Something is wrong and needs to be corrected!
…
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.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
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
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: 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.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
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
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.
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 coveragepays for vehicle damages if you hit a stationary object or another vehicle with your car, regardless of fault.
Comprehensive coverage
Comprehensive coveragepays 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.
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.
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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 $330 per month for full coverage and $199 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.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Hugo
$54
$74
Auto-Owners
$61
$80
State Farm
$66
$85
COUNTRY Financial
$67
$89
Allstate
$72
$94
Mile Auto
$72
$99
USAA
$76
$99
Progressive
$89
$116
Safeco
$93
$123
GEICO
$106
$138
Mercury
$110
$154
Clearcover
$115
$152
Direct Auto
$133
$174
Elephant
$133
$190
Liberty Mutual
$133
$190
AssuranceAmerica
$135
$179
GAINSCO
$148
$211
Midvale Home & Auto
$148
$200
National General
$154
$200
Nationwide
$158
$208
Infinity
$194
$263
The General
$201
$265
Bristol West
$223
$289
Foremost
$240
$343
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: 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 $350 per month for full coverage and $211 for liability only.
Here are the cheapest liability-only auto quotes in Gainesville for drivers with an at-fault accident on their records.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Hugo
$54
$72
Auto-Owners
$61
$84
State Farm
$66
$91
COUNTRY Financial
$67
$96
Allstate
$72
$100
Mile Auto
$72
$107
USAA
$76
$105
Progressive
$89
$125
Safeco
$93
$125
GEICO
$106
$147
Mercury
$110
$161
Clearcover
$115
$170
Direct Auto
$133
$188
Elephant
$133
$180
Liberty Mutual
$133
$200
AssuranceAmerica
$135
$187
GAINSCO
$148
$197
Midvale Home & Auto
$148
$216
National General
$154
$215
Nationwide
$158
$220
Infinity
$194
$265
The General
$201
$283
Bristol West
$223
$305
Foremost
$240
$361
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: 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 $396 per month for full coverage and $239 for liability only after a DUI conviction.
Here are the most affordable car insurance companies offering minimum coverage for Gainesville drivers with a DUI.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Hugo
$54
$82
Auto-Owners
$61
$104
State Farm
$66
$112
COUNTRY Financial
$67
$114
Allstate
$72
$123
Mile Auto
$72
$110
USAA
$76
$129
Progressive
$89
$152
Safeco
$93
$158
GEICO
$106
$180
Mercury
$110
$169
Clearcover
$115
$196
Direct Auto
$133
$226
Elephant
$133
$226
Liberty Mutual
$133
$226
AssuranceAmerica
$135
$230
GAINSCO
$148
$252
Midvale Home & Auto
$148
$252
National General
$154
$262
Nationwide
$158
$269
Infinity
$194
$330
The General
$201
$342
Bristol West
$223
$380
Foremost
$240
$409
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
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 $177 per month for full coverage and $107 for liability only.
The table below shows the cheapest auto insurers for older adults in Gainesville.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Hugo
$31
$123
Auto-Owners
$35
$53
State Farm
$37
$56
COUNTRY Financial
$38
$58
Mile Auto
$43
$72
Progressive
$44
$77
Allstate
$45
$68
USAA
$48
$73
Safeco
$62
$102
GEICO
$65
$98
Mercury
$66
$103
Clearcover
$75
$142
AssuranceAmerica
$81
$141
Direct Auto
$81
$149
Liberty Mutual
$84
$150
Nationwide
$84
$128
Elephant
$86
$123
Midvale Home & Auto
$87
$133
National General
$98
$166
GAINSCO
$109
$220
Infinity
$115
$217
The General
$136
$233
Bristol West
$143
$278
Foremost
$149
$185
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: Hugo
Rates for teen drivers skew much higher than adults because young drivers lack the experience to recognize and react to road hazards. Between 2015 and 2019, speeding was a factor in 43% of U.S. teen driver and passenger car-crash fatalities.[7]
Not only do teen drivers have higher death rates, but they also increase the risk of injury or death for their passengers, other drivers, pedestrians, and cyclists. Young drivers should practice safe driving habits, drive safe vehicles, and seek discounts or policy incentives on their parents’ plans to get the cheapest rates in Gainesville.
Teen drivers in Gainesville pay an average of $423 per month for full coverage and $256 for liability only.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Hugo
$95
$383
COUNTRY Financial
$100
$151
Auto-Owners
$106
$160
State Farm
$114
$170
Allstate
$128
$194
USAA
$128
$196
Mile Auto
$141
$240
Progressive
$163
$281
GEICO
$170
$256
Safeco
$195
$318
Mercury
$202
$316
Elephant
$223
$318
Clearcover
$226
$424
Direct Auto
$245
$450
Liberty Mutual
$247
$445
AssuranceAmerica
$254
$442
Midvale Home & Auto
$259
$397
GAINSCO
$266
$539
Nationwide
$275
$415
National General
$301
$510
The General
$329
$565
Infinity
$360
$680
Bristol West
$385
$749
Foremost
$432
$538
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.
Compare Auto Insurance in Gainesville
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Gainesville car insurance quotes by credit tier
Even with a clean driving record, Gainesville drivers may not get the lowest rates available if they have an unfavorable credit history. Georgia auto insurance companies are legally allowed to check your credit report and use that information as one of many factors influencing your policy eligibility and rate.[8]
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?
Car insurance is more expensive in Gainesville compared to the national average of $105 per month for liability insurance and $214 per month for full coverage. However, Gainesville has cheaper rates compared to major Georgia cities, like Atlanta and Savannah.
This could be because Gainesville has fewer residents than these cities, and insurance companies consider an area’s population when determining car insurance premiums.[9] Also, Gainesville reported fewer car accidents in 2022 than Atlanta and Savannah.[10]
More cities in Georgia
Here’s how the average cost of car insurance in Gainesville compares to rates in other Georgia cities.
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.
How much is car insurance in Gainesville, Georgia?
The average cost of car insurance in Gainesville is $139 per month for liability-only insurance and $230 per month for full coverage.
Which companies have the cheapest car insurance in Gainesville?
Hugo has the cheapest car insurance in Gainesville, with a liability-only rate of $54 per month. Other affordable insurers include Auto-Owners and State Farm, with monthly liability rates of $61 and $66, respectively. The cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and vehicle.
What are the best car insurance companies in Gainesville?
Some of the best car insurance companies in Gainesville include Auto-Owners, State Farm, and COUNTRY Financial. These insurance companies have high Insurify Quality (IQ) Scores, solid AM Best ratings, and plenty of coverage options for drivers to choose from. But you should always compare quotes from different insurers to find the company that offers the right coverage at the best price for your budget.
What factors influence the cost of car insurance in Gainesville, Georgia?
Factors outside of your control that influence the cost of your car insurance in Gainesville include the city’s accident and car theft rates, the number of claims in the area, and your age. However, factors within your control are your driving record, credit score, vehicle type, and coverage options.
How much car insurance do you need in Gainesville, Georgia?
Georgia requires 25/50/25 minimum liability limits. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[1]
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.
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
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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Auto-Owners
State Farm
Country Financial
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