Cheapest Auto Insurance in Gainesville, Georgia (2024)

Hugo offers the cheapest car insurance in Gainesville, with minimum-coverage policies as low as $54 per month.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 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.

Featured in

media logomedia logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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.

Featured in

media logomedia logo

Updated July 11, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Gainesville, Georgia

Drivers in and around Gainesville, Georgia have found policies from Mercury, InsureMax, The General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Gainesville, Georgia within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 CompanyIQ 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 CoverageLiability OnlyBest For
Auto-Owners8.5$97$64Liability-only coverage
State Farm9.3$104$69Families
COUNTRY Financial8.8$106$70Bundling
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

Compare personalized, real-time quotes
User Reviews
3.8
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

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

Read more driver reviews of Auto-Owners
Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Nancy - June 27, 2024
Verified

Excellent

They have beaten all insurance quotes for the coverage I have.

Ronald - June 21, 2024
Verified

Rate Increases Too Much for Someone on a Fixed Income

There's always someone else who is cheaper.

Best insurer for families: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
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.
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.

Pros
  • Discounts available for students

  • Rideshare insurance available

Cons
  • Online policy purchasing not available

  • Gap insurance not available

Read more driver reviews of State Farm
Kharlos - July 7, 2024
Verified

Horrible

The Underwriter Crew is the worst ever! They unnecessarily added someone to my policy after I had already paid, then increased my policy. The person they added had a claim. They found out the claim was not mine and still refused to resolve the situation even after receiving all the information they asked for. They are the worst ever!

Kay - July 7, 2024
Verified

Unreliable

They are not trustworthy. They keep dropping coverage for no apparent reason.

Grace - July 7, 2024
Verified

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

Best insurer for bundling: COUNTRY Financial

Compare personalized, real-time quotes
User Reviews
3.1
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.
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.

Pros
  • Plenty of available add-on coverages

  • Unique discounts

Cons
  • Rideshare insurance not available in Georgia

  • Legacy discounts require multiple policies

Read more driver reviews of Country Financial
Richard - June 18, 2024
Verified

Poor

It's expensive.

Abdifatah - June 10, 2024
Verified

Excellent

I liked Country Financial.

Margaret - April 2, 2024
Verified

Poor

They constantly raise your rates.

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 CompanyAverage 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 CompanyAverage 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.

Cheapest recent rates near Gainesville, Georgia

Drivers in and around Gainesville, Georgia have found policies from Mile Auto, Bristol West, GEICO, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Gainesville, Georgia within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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]

CoverageMinimum 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.

Shop for Car Insurance in Gainesville, GA

Insurify partners with top insurance companies to provide free quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 CompanyClean Driving RecordWith 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 CompanyClean Driving RecordWith 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 CompanyClean Driving RecordWith 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 CompanyLiability OnlyFull 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 CompanyLiability OnlyFull 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

Insurify partners with top insurance companies to provide free quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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

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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Athens$133$209
Atlanta$222$274
Augusta$143$227
Columbus$140$239
Lawrenceville$175$267
Marietta$174$246
Savannah$179$258
Woodstock$163$248
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.

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 $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.

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."
Nick Dauk
Nick Dauk

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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all