Car insurance in Gainesville varies based on your circumstances and chosen companies.
Our data indicates that minimum coverage is approximately 66% pricier than the national average.
Periodically exploring different options ensures you secure the best deal.
We’ve assessed low-cost insurance providers in Gainesville, considering factors like minimum and full-coverage costs.
This article aims to assist you in finding affordable car insurance, regardless of your past accident history.
Overview:
Our information underscores that for conscientious drivers in Gainesville, the minimum coverage starts at $40 per month.
Drivers with a favorable driving record can obtain full-coverage insurance starting at $129 per month.
State Farm distinguishes itself as the most cost-effective choice, offering the most economical rates for both minimum and full-coverage policies.
Sure, here’s the information presented in a table format:
| Car Insurance Companies in Gainesville | Our Score | Minimum Coverage Monthly Average | Full Coverage Monthly Average |
|---|---|---|---|
| State Farm | 4.7 | $40 | $129 |
| GEICO | 4.6 | $78 | $226 |
| Travelers | 4.5 | $63 | $150 |
| Progressive | 4.3 | $100 | $188 |
| Farmers | 4.2 | $128 | $312 |
| Allstate | 4.1 | $125 | $286 |
| Mercury | 3.7 | $99 | $265 |
| National General | 3.6 | $88 | $231 |
| AIG | 3.2 | $84 | $292 |
All cost tables within this article represent average car insurance rates for the driving profile of a single, male driver aged 25 to 35 with good credit and a clean driving history.
Rate data was sourced from Quadrant Information Services.
| Cheap Liability Insurance Companies in Gainesville | Monthly Minimum Coverage Average | Annual Minimum Coverage Average |
|---|---|---|
| State Farm | $40 | $474 |
| Travelers | $63 | $756 |
| GEICO | $78 | $940 |
| AIG | $84 | $1,010 |
| National General | $88 | $1,054 |
| Mercury | $99 | $1,185 |
| Progressive | $100 | $1,203 |
| United Automobile | $121 | $1,455 |
| Allstate | $125 | $1,505 |
| Farmers | $128 | $1,533 |
| Cheap Full-Coverage Car Insurance in Gainesville | Monthly Full Coverage Average | Annual Full Coverage Average |
|---|---|---|
| State Farm | $129 | $1,546 |
| Travelers | $150 | $1,800 |
| Progressive | $188 | $2,255 |
| GEICO | $226 | $2,714 |
| National General | $231 | $2,774 |
| United Automobile | $241 | $2,896 |
| Mercury | $265 | $3,181 |
| Allstate | $286 | $3,431 |
| AIG | $292 | $3,502 |
| Farmers | $312 | $3,740 |
How Individual Characteristics Influence Car Insurance Quotes in Gainesville
The amount you spend on car insurance is influenced by your unique circumstances.
Car insurance calculations take into account factors such as your driving history, age, type of vehicle, credit score, and even the ZIP code in Gainesville where you reside.
Different elements are considered by insurance companies when determining individual rates.
Consequently, the insurance provider offering the most economical rates for you may not necessarily be the most cost-effective for your neighbor.
Let’s delve into some examples to illustrate this point further.
Gainesville Car Insurance Rates Based on ZIP Code The rates for car insurance in Gainesville can be subtly affected by variations in accident, vandalism, and theft rates across different ZIP codes. \
These factors play a role in determining your car insurance costs.
The table below illustrates how average rates can either increase by 0.1 percent or decrease by 0.1 percent, contingent on the specific ZIP code in Gainesville.
| Gainesville ZIP Code | Full Coverage Monthly Average | Full Coverage Annual Average | Difference From Gainesville Average |
|---|---|---|---|
| 32608 | $232 | $2,781 | -0% |
| 32607 | $232 | $2,786 | 0% |
Impact of Credit Score on Car Insurance Rates in Gainesville
Your credit score can significantly influence the cost of car insurance in Gainesville.
Generally, if you have a lower credit score, insurance companies in most states, including Gainesville, may consider you a higher risk, leading to potentially higher insurance premiums.
Conversely, individuals with above-average credit scores may enjoy the prospect of lower insurance rates.
Most Affordable Car Insurance in Gainesville for Drivers with Poor Credit
For drivers with less-than-optimal credit scores, it’s advisable to explore insurance options from various providers.
National General, for instance, provides budget-friendly rates for individuals with poor credit, offering coverage at $88 per month for minimum coverage or $231 per month for full coverage.
Monthly Averages for Car Insurance Coverage by Company
| Car Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| National General | $88 | $231 |
| AIG | $90 | $316 |
| State Farm | $100 | $255 |
| United Automobile | $121 | $241 |
| Progressive | $139 | $280 |
| Travelers | $146 | $284 |
| GEICO | $152 | $434 |
| Mercury | $160 | $449 |
| Farmers | $186 | $413 |
| Allstate | $245 | $516 |
Gainesville Car Insurance Expenses: Impact of Age
Car insurance tends to be pricier for teenagers due to their inclination to take more driving risks.
Teenagers often have higher chances of being involved in accidents and receiving traffic violations, prompting insurance companies to impose elevated rates.
In Gainesville, 16-year-olds with their individual insurance policy typically face costs of around $339 per month for minimum coverage or $876 per month for full coverage.
As individuals transition from their teenage years into their 20s and beyond, insurance rates generally decline.
The most budget-friendly car insurance rates are typically found for drivers between the ages of 35 and 55. However, seniors may experience slightly higher rates due to an increased risk of accidents.
This section provides details on varying insurance rates for minimum and full coverage in Gainesville based on different age groups.
Car Insurance Rates in Gainesville Based on Driver Age
| Driver Age | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| 16 | $339 | $876 |
| 25 | $98 | $249 |
| 30 | $93 | $232 |
| 35 | $87 | $215 |
| 45 | $85 | $209 |
| 55 | $80 | $195 |
Most Affordable Auto Insurance Providers in Gainesville for Teen Drivers
While car insurance for teenagers can be expensive, there are some insurance companies that offer more budget-friendly options.
State Farm, for instance, stands out as one of the most economical choices, providing minimum coverage at $143 per month and full coverage at $433 per month for 16-year-olds.
National General and GEICO are also among the more affordable options for young drivers.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| State Farm | $143 | $433 |
| National General | $171 | $434 |
| GEICO | $216 | $669 |
| Travelers | $248 | $605 |
| AIG | $257 | $891 |
| Progressive | $284 | $643 |
| United Automobile | $415 | $711 |
| Farmers | $479 | $1,411 |
| Mercury | $589 | $1,666 |
| Allstate | $591 | $1,294 |
Impact of Driving Records on Car Insurance Expenses in Gainesville
If you’ve been involved in accidents or received speeding tickets, it’s likely that your car insurance costs will rise.
Typically, accidents and tickets contribute to rate increases for a duration of three years.
According to our data, having a speeding ticket can lead to a 26% increase in insurance rates, while an at-fault accident may result in a 45% hike, and a DUI or DWI can cause a 36% increase.
Each insurance company employs its own criteria for determining these price adjustments, resulting in varying rates.
Our data highlights that State Farm, Travelers, and National General offer cost-effective options for drivers with different types of violations.
The following are average rates for drivers with a speeding ticket, at-fault accident, or DUI.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| State Farm | $44 | $141 |
| Travelers | $87 | $198 |
| National General | $105 | $271 |
| AIG | $107 | $371 |
| Progressive | $120 | $238 |
| GEICO | $129 | $376 |
| Mercury | $152 | $379 |
| Farmers | $158 | $388 |
| Allstate | $166 | $386 |
| United Automobile | $187 | $337 |
Most Affordable Car Insurance in Gainesville After a Speeding Ticket
After receiving a speeding ticket, finding the most budget-friendly insurance rates becomes crucial.
According to our rate data, State Farm emerges as the most economical choice, offering low minimum coverage rates at an average of $43 per month and the cheapest full-coverage rates at $138 per month.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| State Farm | $43 | $138 |
| Travelers | $78 | $185 |
| National General | $106 | $270 |
| AIG | $111 | $388 |
| Progressive | $120 | $242 |
| Allstate | $125 | $286 |
| GEICO | $130 | $383 |
| Mercury | $131 | $330 |
| Farmers | $158 | $385 |
| United Automobile | $165 | $301 |
Most Affordable Car Insurance in Gainesville After an At-Fault Accident
At-fault accidents can significantly impact insurance rates, but State Farm remains the most affordable option for minimum coverage, with average monthly rates of $47.
For full-coverage insurance, State Farm continues to offer competitive rates at $147 per month, showcasing substantial differences among the cheapest and priciest companies.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| State Farm | $47 | $147 |
| Travelers | $86 | $199 |
| GEICO | $107 | $310 |
| AIG | $118 | $399 |
| National General | $119 | $297 |
| Progressive | $130 | $265 |
| United Automobile | $165 | $309 |
| Mercury | $170 | $435 |
| Farmers | $181 | $441 |
| Allstate | $218 | $500 |
Most Affordable Car Insurance in Gainesville After a DUI
A DUI conviction can significantly raise insurance costs, but State Farm remains the most cost-effective choice for both minimum coverage (average monthly rates of $43) and full coverage (average monthly rates of $138) in Gainesville.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| State Farm | $43 | $138 |
| National General | $89 | $244 |
| AIG | $93 | $326 |
| Travelers | $96 | $210 |
| Progressive | $109 | $209 |
| Farmers | $136 | $338 |
| GEICO | $149 | $434 |
| Allstate | $155 | $371 |
| Mercury | $156 | $373 |
| United Automobile | $233 | $401 |
Mandatory Car Insurance Guidelines in Gainesville
A basic insurance policy, known as minimum coverage, encompasses bodily injury liability coverage and property damage liability coverage.
To comply with Florida state regulations, drivers are obligated to maintain insurance policies that meet or surpass the following stipulations:
- $10,000 in property damage liability per accident
- $10,000 in personal injury protection
Varieties of Car Insurance Coverage
Liability:
Bodily Injury (BI) liability insurance caters to medical expenses for other drivers and their passengers in an accident where you are at fault.
Property Damage (PD) liability insurance covers damages to other drivers’ vehicles in an accident where you are at fault.
Collision:
Collision insurance covers damages to your vehicle resulting from a collision with another vehicle or a road hazard.
Comprehensive:
Comprehensive insurance covers damages to your vehicle caused by animals, natural disasters, theft, and vandalism.
Medical Payments Coverage (MedPay):
MedPay handles medical bills for you and your passengers after an accident.
Personal Injury Protection (PIP):
PIP also covers medical bills for you and your passengers after an accident and can extend to cover lost wages.
Underinsured/Uninsured Motorist Coverage (UM/UIM):
Uninsured/underinsured motorist coverage covers property damages (UMPD/UIMPD) and bodily injuries (UMBI/UIMBI) for you and your passengers when you are in an accident with a driver who is underinsured or lacks insurance.
Cheap Car Insurance in Gainesville: Our Recommendation
Gainesville drivers, on average, pay approximately 66 percent more than the national average
. However, finding affordable rates is possible with knowledge of the right places to shop.
After comparing full- and minimum-coverage rates for various scenarios, we recommend considering State Farm, GEICO, AIG, and Travelers for obtaining the most economical auto insurance in Gainesville.
To discover the most budget-friendly rates in Florida, compare quotes from different companies. We suggest obtaining at least three quotes each time you shop for insurance.
Cheapest Auto Insurance In Gainesville: FAQs
How much is car insurance in Gainesville?
-
- For good drivers in Gainesville, the average cost is around $93 per month or $1,112 per year for minimum-coverage insurance. Full-coverage insurance rates are approximately $232 per month or $2,784 per year.
Is car insurance higher in Gainesville?
-
- The average cost of full-coverage insurance in Gainesville is about $2,784 per year. This is 19% lower than the Florida average of $3,404 and 26% higher than the national average of $2,216.
How much is car insurance in Florida per month?
-
- Minimum-coverage car insurance in Florida averages $115 per month or $1,379 per year. Full-coverage auto insurance is around $284 per month or $3,404 per year.
What is the best car insurance company in Florida?
-
- State Farm is rated as the best car insurance company in Florida, earning a score of 4.7 out of 5. This score considers factors like costs, coverage, reliability, and service.
Also read: Cheap Car Insurance Amarillo TX
Our Evaluation Process
Our evaluation process is designed to provide consistent and impartial assessments of car insurance providers.
Focusing on aspects we consider crucial for consumers, our review team emphasizes the following key factors:
- Cost:
- Determining the cost score involves assessing insurance rate estimates from Quadrant Information Services, evaluating discount opportunities, and considering consumer reports. Recognizing the variability in individual circumstances, we acknowledge that the cheapest insurer for one driver may not hold the same status for another.
- Coverage:
- The coverage score is derived from an examination of the range of coverage options available, along with considerations for coverage limits and deductible options. Our ratings also account for additional services and benefits, such as roadside assistance.
- Reliability:
- The ability of an auto insurer to fulfill its claims obligations is crucial. Companies with a strong financial strength rating from AM Best excel in this category. Additionally, established insurers with a proven track record of reliable service receive positive evaluations.
- Service:
- Customer experiences play a significant role in our service evaluation. We delve into customer reviews on platforms like the Better Business Bureau (BBB), prioritizing insurers with a low volume of complaints. The claims process is also a focal point, and higher ratings are awarded to car insurance providers offering user-friendly claims apps.