Best Cheap Auto Insurance in Gainesville, Georgia (2023)

Located north of Atlanta, Gainesville, Georgia, has an average monthly car insurance cost of $216 for liability insurance and $334 for full coverage. 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 only slightly cheaper than the state average and more expensive than the national average. However, drivers in the area may find the cheapest car insurance rates with companies like Auto-Owners, COUNTRY Financial, and State Farm.

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Best 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. Consider comparing prices with insurers like Auto-Owners, State Farm, and COUNTRY Financial, all of which have affordable rates.

Best insurer for liability-only coverage: Auto-Owners

Best insurer for families: State Farm

Best insurer for bundling: COUNTRY Financial

Cheapest liability-only car insurance in Gainesville

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.

Here are the cheapest companies for liability insurance in Gainesville.

Cheapest full-coverage car insurance in Gainesville

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.

Here are Gainesville’s cheapest full-coverage car insurance companies.

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 damage liability insurance and 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]

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.

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Cheapest car insurance for drivers with a speeding ticket

With I-985 cutting through Gainesville, it may be easy to pull off of the highway and forget to slow to the city’s slower speed limits. Unfortunately, a speeding ticket could increase your car insurance rate. Speed is a common factor in fatal car accidents, and insurers consider it dangerous to drive faster than the speed limit.^[3]

If you want affordable car insurance after a speeding ticket in Gainesville, check out the table below for the cheapest insurers.

Cheapest car insurance for drivers with an at-fault accident

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]

Here are the cheapest auto insurers in Gainesville for drivers with an at-fault accident on their records.

Cheapest car insurance for drivers with a DUI

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.

Here are the most affordable car insurance companies in Gainesville for drivers with a DUI.

Cheapest car insurance for seniors

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, and the table below shows the cheapest auto insurers in Gainesville for older adults.

Cheapest car insurance for teens

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 out discounts or policy incentives on their parents’ plans to get the cheapest rates in Gainesville.

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 score. Your credit score 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%.

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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 unfavorable credit scores. 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]

Drivers with excellent or good credit scores usually pay cheaper rates than drivers with poor credit scores.

Is car insurance more expensive in Gainesville?

Car insurance is more expensive in Gainesville compared to the national average of $106 a month for liability insurance and $172 a 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 other Georgia cities’ rates.

Gainesville car insurance FAQs