Buy Cheap Gainesville, FL Auto Insurance in 2024
Gainesville, FL auto insurance rates average $291 a month. Minimum auto insurance requirements in Gainesville, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Gainesville, FL, compare Gainesville auto insurance quotes from top companies.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Gainesville, FL after a DUI are $4,174/year
- The most expensive auto insurance company in Gainesville after a DUI is Allstate
- Average auto insurance rates in Gainesville, FL for teens drivers are $6,213/year
Finding affordable Gainesville, Florida auto insurance can be challenging, but everything you need to know to buy cheap Gainesville, FL auto insurance with confidence is right here. Auto insurance rates in Gainesville are affected by local factors as well as personal ones like your driving record.
See how Gainesville, FL car insurance rates compare to Tallahassee auto insurance rates, Tampa auto insurance rates, and Jacksonville auto insurance rates before you read more about the cost of auto insurance in Gainesville.
Don’t buy Gainesville, FL auto insurance until you’ve compared rates. Get free Gainesville, Florida auto insurance quotes when you enter your ZIP code above.
Gainesville, FL Minimum Auto Insurance Requirements
The required auto insurance in Gainesville, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Gainesville, Florida is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Find Cheap Gainesville, FL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Gainesville, FL. Take a look at Gainesville, Florida auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,908 | $5,012 | $4,079 |
| Geico | $4,357 | $2,625 | $1,963 |
| Liberty Mutual | $4,981 | $3,699 | $3,030 |
| Nationwide | $3,983 | $2,953 | $2,683 |
| Progressive | $5,077 | $3,584 | $2,999 |
| State Farm | $3,654 | $2,413 | $1,988 |
| USAA | $3,453 | $1,696 | $1,238 |
Buy Cheap Gainesville, FL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Gainesville, Florida auto insurance rates? Find out how car insurance rates in Gainesville, FL are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,570 | $3,411 | $3,097 | $3,144 | $11,969 | $12,898 | $3,591 | $3,650 |
| Geico | $2,345 | $2,353 | $2,199 | $2,199 | $4,228 | $5,325 | $2,584 | $2,621 |
| Liberty Mutual | $2,753 | $2,753 | $2,536 | $2,536 | $5,633 | $8,588 | $2,753 | $3,673 |
| Nationwide | $2,251 | $2,231 | $2,017 | $2,086 | $5,363 | $6,630 | $2,478 | $2,591 |
| Progressive | $2,610 | $2,484 | $2,278 | $2,423 | $7,211 | $7,912 | $3,132 | $3,044 |
| State Farm | $1,685 | $1,685 | $1,533 | $1,533 | $4,897 | $6,274 | $1,863 | $2,012 |
| USAA | $1,237 | $1,217 | $1,152 | $1,144 | $4,186 | $4,885 | $1,543 | $1,667 |
Buy Cheap Gainesville, FL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Gainesville can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Gainesville, FL are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,969 | $12,898 |
| Geico | $4,228 | $5,325 |
| Liberty Mutual | $5,633 | $8,588 |
| Nationwide | $5,363 | $6,630 |
| Progressive | $7,211 | $7,912 |
| State Farm | $4,897 | $6,274 |
| USAA | $4,186 | $4,885 |
Buy Cheap Gainesville, FL Auto Insurance for Seniors
You can save on senior auto insurance rates in Gainesville, Florida by comparing Gainesville senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Gainesville, FL here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,097 | $3,144 |
| Geico | $2,199 | $2,199 |
| Liberty Mutual | $2,536 | $2,536 |
| Nationwide | $2,017 | $2,086 |
| Progressive | $2,278 | $2,423 |
| State Farm | $1,533 | $1,533 |
| USAA | $1,152 | $1,144 |
Find Cheap Auto Insurance Rates in Gainesville, FL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Gainesville, Florida auto insurance. Compare Gainesville, FL auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,553 | $5,918 | $6,528 |
| Geico | $2,489 | $3,080 | $3,376 |
| Liberty Mutual | $3,571 | $3,959 | $4,179 |
| Nationwide | $2,537 | $3,332 | $3,749 |
| Progressive | $3,317 | $3,969 | $4,373 |
| State Farm | $2,290 | $2,748 | $3,018 |
| USAA | $1,865 | $2,198 | $2,325 |
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Find Cheap Gainesville, FL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Gainesville. Compare auto insurance rates in Gainesville, FL by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,504 | $5,828 |
| Geico | $2,967 | $2,996 |
| Liberty Mutual | $3,782 | $4,024 |
| Nationwide | $3,206 | $3,206 |
| Progressive | $3,887 | $3,887 |
| State Farm | $2,598 | $2,773 |
| USAA | $2,105 | $2,153 |
Find Cheap Gainesville, FL Auto Insurance Rates by ZIP Code
Auto insurance rates in Gainesville, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Gainesville, FL to see how much where you live in Gainesville affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 32601 | $2,696 |
| 32603 | $2,698 |
| 32605 | $2,698 |
| 32606 | $2,698 |
| 32607 | $2,698 |
| 32608 | $2,698 |
| 32609 | $2,696 |
| 32610 | $2,706 |
| 32611 | $2,698 |
| 32612 | $2,697 |
| 32641 | $2,696 |
| 32653 | $2,698 |
Find Cheap Gainesville, FL Auto Insurance Rates by Driving Record
Auto insurance rates in Gainesville, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Gainesville, FL, take a look at the average cost for various violations versus rates for a clean driving record in Gainesville.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,907 | $5,848 | $6,479 | $5,431 |
| Geico | $2,070 | $2,652 | $3,959 | $3,246 |
| Liberty Mutual | $2,878 | $3,670 | $5,218 | $3,847 |
| Nationwide | $2,752 | $3,006 | $4,019 | $3,047 |
| Progressive | $3,097 | $4,519 | $3,819 | $4,111 |
| State Farm | $2,459 | $2,911 | $2,685 | $2,685 |
| USAA | $1,669 | $2,057 | $3,041 | $1,749 |
Find Cheap Gainesville, FL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Gainesville, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Gainesville for less when you shop around and compare rates from multiple Gainesville, FL auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,479 |
| Geico | $3,959 |
| Liberty Mutual | $5,218 |
| Nationwide | $4,019 |
| Progressive | $3,819 |
| State Farm | $2,685 |
| USAA | $3,041 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Gainesville, FL
Compare rates from the cheapest auto insurance companies in Gainesville, FL for your needs. Take a look at how Gainesville, Florida auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Find Cheap Gainesville, Florida Auto Insurance Companies
If you’re looking for the cheapest Gainesville, FL auto insurance companies overall, you can compare them here. Find the best price for Gainesville, Florida car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,666 |
| Geico | $2,982 |
| Liberty Mutual | $3,903 |
| Nationwide | $3,206 |
| Progressive | $3,887 |
| State Farm | $2,685 |
| USAA | $2,129 |
What affects Gainesville, Florida auto insurance rates?
Local factors affect auto insurance rates in Gainesville, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Gainesville auto insurance rates.
Auto Theft in Gainesville
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Gainesville, FL auto theft show a total of 432 vehicle thefts annually.
Commute Times in Gainesville
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Gainesville, FL is 19.1 minutes according to City-Data.
Traffic in Gainesville
How is traffic in Gainesville, Florida? Inrix data shows that Gainesville, FL traffic makes it the 462nd-most congested city compared to other cities worldwide.
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Compare Auto Insurance Quotes in Gainesville, FL
You can buy cheap Gainesville, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Gainesville, Florida auto insurance quotes from top companies.
Frequently Asked Questions
What factors determine the cost of auto insurance in Gainesville, FL?
Several factors can influence the cost of auto insurance, including your driving record, age, type of vehicle, coverage options, deductibles, and even your credit history.
Can I find cheap auto insurance in Gainesville, FL in 2023?
Yes, it is possible to find affordable auto insurance in Gainesville, FL. By comparing quotes from different insurance providers and considering discounts and coverage options, you can find a policy that fits your budget.
What are some ways to save money on auto insurance in Gainesville, FL?
Here are a few strategies to help you save on auto insurance in Gainesville, FL:
- Maintain a good driving record and avoid accidents or traffic violations.
- Consider raising your deductibles, but make sure you can afford the out-of-pocket expenses if you need to file a claim.
- Ask your insurance provider about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for taking defensive driving courses.
- Compare quotes from multiple insurance companies to find the most competitive rates.
Are there any downsides to buying cheap auto insurance?
While cheap auto insurance can save you money upfront, there are a few potential downsides to consider:
- Limited coverage options: Cheaper policies may offer minimal coverage, which might not adequately protect you in certain situations.
- Higher deductibles: Cheap insurance often comes with higher deductibles, meaning you’ll have to pay more out of pocket in the event of a claim.
- Less customer support: Some budget insurance companies may have limited customer service options or slower claims processing.
- Less financial stability: Cheap insurers may have a lower financial rating, potentially making it harder for them to pay out claims if necessary.
Should I prioritize price over coverage when buying auto insurance?
It’s important to strike a balance between price and coverage when buying auto insurance. While affordability is a significant factor, it’s crucial to ensure that your policy provides adequate coverage to protect you and your assets in case of an accident.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.