Cheapest Auto Insurance in Gainesville, Georgia (2026)

Auto-Owners offers the cheapest car insurance in Gainesville, with minimum-coverage policies as low as $70 per month.

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Writer: Nick DaukInsurance Writer

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Located north of Atlanta, Gainesville has an overall average monthly car insurance cost of $186. 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 $208 and more expensive than the national average of $143. 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
  • Auto-Owners, State Farm, and Country Financial 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-Owners8.2$140$78Liability-only coverage
State Farm9.3$150$84Families
COUNTRY FinancialN/A$152$85Bundling
Disclaimer: Table data is based on real-time Gainesville quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How Insurify rates insurance companiesexpand/collapse

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 55,000 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
4.3
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.
8.2 /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.
$70/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.
$125/mo
Details
4.3
Best choice in Gainesville, GABased on 370 verified driver reviews and ratings
Auto-Owners's score
Industry average
Coverage options4.03.2
Customer service3.73.6
Discounts3.52.9
Policy transparency3.93.1
Value3.52.9
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

Based on analysis of verified reviews collected by Insurify

Best in Gainesville for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviewsSee all 158 Auto-Owners reviews
Gregory
Verified Review
Excellent
An excellent company that responds!!
Nannette G
Verified Review
Very Good
We’re very happy, especially since we pay annually. However, the price has gone up a lot.
David
Verified Review
Good service, but high prices.
I’m not happy about a sudden rate hike of more than 20%.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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

Best insurer for families: State Farm

User Reviews
4.1
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.
$75/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.
$134/mo
Details
4.1
Best choice in Gainesville, GABased on 21,661 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.43.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in Gainesville for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Georgia reviews for Gainesville driversSee all 8,226 State Farm reviews
Robbie
Verified Review
Poor
My rate went up quickly.
Debra
Verified Review
State Farm Insurance
Very happy with my car insurance with Progressive. I was paying almost $1,400 every six months for my car, but now I’m paying $520 for the same coverage.
Bonnie
Verified Review
They immediately gave me a lower price than what I had to ask for from my previous insurance carrier.
They immediately gave me a lower price than what I had to ask for from my previous insurance carrier.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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.

Pros
  • Discounts available for students

  • Rideshare insurance available

Cons
  • Online policy purchasing not available

  • Gap insurance not available

Best insurer for bundling: COUNTRY Financial

User Reviews
4.0
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.
$76/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.
$136/mo
Details
4.0
Best choice in Gainesville, GABased on 71 verified driver reviews and ratings
Country Financial's score
Industry average
Coverage options3.93.2
Customer service3.53.6
Discounts3.42.9
Policy transparency3.83.1
Value3.12.9
How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

Based on analysis of verified reviews collected by Insurify

Best in Gainesville for
Cheap rates
Good claims process
High customer satisfaction
Showing recent national reviewsSee all 39 Country Financial reviews
Charles
Verified Review
Excellent
Insurance is good; I'm just trying to save some money.
Beverly
Verified Review
It's Bad Business
Unless I call them to request a callback, I never hear from them. They only find discounts for me when I tell them I'm switching companies. My premium goes up every six months with no explanation.
Larry
Verified Review
Good Customer Service, Poor Customer Care From the Company
It’s expensive. While the office staff is great, the company overall seems mostly interested in the money.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

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.

Pros
  • Plenty of available add-on coverages

  • Unique discounts

Cons
  • 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: Auto-Owners

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 $147 per month.

Here are the cheapest companies for liability insurance in Gainesville.

The below rates in Gainesville, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Average Monthly Quote
Auto-Owners$70
State Farm$75
Country Financial$76
Mile Auto$81
Progressive$86
USAA$88
Mercury$114
Root$125
Bristol West$126
GEICO$127
Clearcover$131
GAINSCO$138
Allstate$140
AssuranceAmerica$140
Direct Auto$140
The General$142
Safeco$155
National General$157
Trexis One$158
Mendota$166
First Acceptance$169
Insurify Car$171
Trexis$171
Excepsure$178
Hugo$245
Liberty Mutual$275
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville 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 $224 per month for full-coverage insurance.

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

The below rates in Gainesville, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Average Monthly Quote
Auto-Owners$125
State Farm$134
Country Financial$136
Mile Auto$147
USAA$157
Progressive$170
Root$190
Mercury$194
Safeco$206
AssuranceAmerica$224
GEICO$228
Allstate$240
Bristol West$242
Clearcover$242
Direct Auto$242
National General$249
GAINSCO$283
Trexis One$301
The General$302
Mendota$305
Trexis$333
First Acceptance$334
Liberty Mutual$334
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.

Recent Insurify quotes for Gainesville, Georgia drivers

Recent Gainesville, Georgia car insurance prices for Acura, Honda, Nissan, and more.

*Quotes generated for Insurify users in and around Gainesville, Georgia within the last 10 days. Last updated on October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Gainesville, Georgia within the last 10 days. Last updated on October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 9, 2026. 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for vehicle damages if you hit a stationary object or another vehicle with your car, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle damages and repairs from non-collision events, like falling objects, severe weather, theft, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for your and your passenger’s medical and funeral expenses from a car accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    Rental reimbursement coverage pays for rental car expenses when your vehicle is in the repair shop.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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: Auto-Owners

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 $280 per month for full coverage and $184 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 in Gainesville, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Clean Driving Record
With Speeding Ticket
Auto-Owners$70$90
State Farm$75$95
Mile Auto$81$98
Country Financial$76$101
Progressive$86$108
USAA$88$113
Root$125$149
Mercury$114$157
Bristol West$126$159
GAINSCO$138$165
GEICO$127$166
Clearcover$131$166
Allstate$140$175
Direct Auto$140$176
AssuranceAmerica$140$178
The General$142$190
National General$157$195
Trexis One$158$198
Safeco$155$204
Mendota$166$208
First Acceptance$169$211
Insurify Car$171$214
Trexis$171$214
Excepsure$178$223
Hugo$245$306
Liberty Mutual$275$350
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

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 $308 per month for full coverage and $202 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 in Gainesville, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Clean Driving Record
With Accident
Auto-Owners$70$95
State Farm$75$102
Country Financial$76$107
Mile Auto$81$112
Progressive$86$118
USAA$88$121
Root$125$160
Bristol West$126$171
GEICO$127$172
Mercury$114$173
GAINSCO$138$181
Clearcover$131$190
AssuranceAmerica$140$190
Allstate$140$193
Direct Auto$140$195
The General$142$199
National General$157$213
Trexis One$158$218
Safeco$155$220
Mendota$166$229
First Acceptance$169$233
Insurify Car$171$235
Trexis$171$235
Excepsure$178$245
Hugo$245$337
Liberty Mutual$275$374
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

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 $273 per month for full coverage and $179 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 in Gainesville, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Clean Driving Record
With DUI
Auto-Owners$70$88
Country Financial$76$98
State Farm$75$99
Progressive$86$105
Mile Auto$81$107
USAA$88$116
Mercury$114$161
Root$125$165
Bristol West$126$167
Clearcover$131$168
GEICO$127$170
Allstate$140$171
The General$142$183
GAINSCO$138$183
AssuranceAmerica$140$185
Direct Auto$140$185
Trexis One$158$193
Mendota$166$203
First Acceptance$169$206
National General$157$208
Insurify Car$171$209
Trexis$171$209
Excepsure$178$217
Safeco$155$229
Hugo$245$299
Liberty Mutual$275$364
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

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 $200 per month for full coverage and $131 for liability only.

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

The below rates in Gainesville, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Liability Only
Full Coverage
Auto-Owners$46$83
State Farm$48$86
Country Financial$50$89
Mile Auto$56$102
USAA$63$112
Progressive$74$146
Mercury$78$133
GEICO$85$153
Bristol West$95$182
AssuranceAmerica$99$159
Direct Auto$103$178
National General$106$169
Clearcover$112$206
The General$113$239
GAINSCO$114$233
Root$118$179
Allstate$121$207
Safeco$127$169
Trexis One$136$259
Mendota$143$263
First Acceptance$146$288
Trexis$147$287
Liberty Mutual$201$244
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

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 $390 per month for full coverage and $256 for liability only.

The below rates in Gainesville, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Liability Only
Full Coverage
Country Financial$116$207
Auto-Owners$137$245
State Farm$141$252
Progressive$150$296
USAA$156$279
Mile Auto$162$294
Root$183$278
Mercury$202$343
Clearcover$207$383
Bristol West$216$416
GEICO$224$402
GAINSCO$235$481
Allstate$243$417
The General$249$530
Direct Auto$266$459
Trexis One$275$523
AssuranceAmerica$282$451
Mendota$289$530
First Acceptance$294$581
Trexis$297$579
National General$302$479
Safeco$309$411
Liberty Mutual$468$568
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.

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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]

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

Rates by Credit Tier

Category
Price
Excellent$257
Good$304
Fair$334
Poor$517

Is car insurance more expensive in Gainesville?

Car insurance is more expensive in Gainesville compared to the national average of $99 per month for liability insurance and $187 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.

The below rates in Gainesville, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
City
Average Monthly Quote
La Fayette$126
Elberton$133
Chickamauga$135
Hartwell$135
Dalton$136
Chatsworth$137
Baxley$138
Waycross$138
Rossville$140
Valdosta$140
Toccoa$141
Eastman$144
Ringgold$144
Tifton$144
Ellijay$145
Hazlehurst$145
Moultrie$145
Brunswick$146
Blackshear$148
Kingsland$148
Sylvania$149
Douglas$150
Adairsville$153
Perry$153
Tunnel Hill$153
Thomson$155
Jesup$156
Thomasville$158
Cleveland$159
Calhoun$161
Waynesboro$161
Dahlonega$163
Jasper$163
Americus$165
Summerville$165
Dawsonville$167
Eatonton$167
Commerce$168
Athens$169
Cedartown$169
Dublin$172
Evans$172
Cordele$173
Grovetown$174
Canton$175
Flowery Branch$175
Richmond Hill$175
Hinesville$176
Leesburg$176
Lula$176
Rome$176
Statesboro$176
Byron$177
Peachtree City$178
Rincon$178
Sharpsburg$178
Columbus$179
Albany$181
Tallapoosa$182
Augusta$184
Hephzibah$184
Lagrange$184
Fort Valley$185
Jefferson$185
Montezuma$185
Rockmart$186
Thomaston$186
Cartersville$187
Hoschton$187
Hull$188
Milledgeville$188
Warner Robins$188
Franklin$189
Cumming$190
Winder$190
Newnan$191
Carrollton$192
Guyton$194
Acworth$195
Alpharetta$196
Bremen$196
Woodstock$196
Barnesville$197
Jackson$198
Pooler$199
Temple$199
Braselton$202
Monroe$202
Kennesaw$204
Port Wentworth$208
Savannah$212
Villa Rica$212
Bethlehem$213
Griffin$213
Hiram$215
Buford$217
Roswell$217
Auburn$221
Fayetteville$221
Smyrna$225
Dacula$226
Marietta$226
Suwanee$227
Dallas$229
Oxford$229
Macon$232
Locust Grove$233
Peachtree Corners$234
Mableton$237
Lithia Springs$238
Lawrenceville$240
Loganville$241
Tucker$242
Douglasville$243
Duluth$245
Powder Springs$245
Mcdonough$246
Norcross$246
Lilburn$249
Grayson$251
Hampton$254
Snellville$259
Stockbridge$259
Conyers$263
Covington$264
Conley$267
Austell$268
Fairburn$268
Atlanta$270
Jonesboro$273
Ellenwood$279
Rex$280
Morrow$281
Union City$282
Forest Park$292
Riverdale$298
Stone Mountain$308
Decatur$313
Clarkston$318
Lithonia$320
Disclaimer: Table data sourced from real-time Gainesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Gainesville may vary based on the policy buyer's unique driver profile.

Gainesville car insurance FAQs

Learn why car insurance rates are increasing, and check out Insurify’s answers to common questions about auto coverage in Gainesville.

How much is car insurance in Gainesville, Georgia?

The average cost of car insurance in Gainesville is $147 per month for liability-only insurance and $224 per month for full coverage.

Which companies have the cheapest car insurance in Gainesville?

Auto-Owners has the cheapest car insurance in Gainesville, with a liability-only rate of $70 per month. Other affordable insurers include State Farm and Country Financial, with monthly liability rates of $75 and $76, 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]

Sources

  1. Georgia Office of Insurance and Safety Fire Commissioner. "Auto."
  2. Georgia Office of Insurance and Safety Fire Commissioner. "Governor Kemp Signs Legislation Giving Insurance Commissioner More Authority Over Auto Rates."
  3. NHTSA. "Speeding and Aggressive Driving Prevention."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. Georgia Department of Driver Services. "DUI Data Reports."
  6. Insurance Institute for Highway Safety. "Fatality Facts 2021: Older people."
  7. Governors Highway Safety Association. "Teens and Speeding: Breaking the Deadly Cycle."
  8. Georgia Attorney General's Consumer Protection Division. "Credit and Debt."
  9. U.S. Census Bureau. "QuickFacts: Savannah city, Georgia; Atlanta city, Georgia; Gainesville city, Georgia."
  10. Georgia Department of Transportation. "Georgia Crash Data."

Methodology

Insurify data scientists analyzed more than 250 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 500+ 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
Nick Dauk
Writer: Nick DaukInsurance Writer

Qualifications:
  • 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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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor

Qualifications:
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519


Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

MacKenzie Korris
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor

Qualifications:
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969


MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.