Gainesville's average full coverage car insurance costs $154 per month. Rates range from $151 to $486, depending on driver details and vehicle type. The table below includes average premiums for various driver profiles to help drivers understand potential costs.
Gainesville, FL, Car Insurance
Updated: January 15, 2025
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Cheapest Car Insurance in Gainesville: Key Takeaways
State Farm, Nationwide and GEICO offer the most affordable car insurance in Gainesville.
State Farm offers the cheapest car insurance, with minimum coverage at $43 per month and full coverage at $93 per month.
On average, car insurance in the city costs $69 per month for minimum coverage and $154 for full coverage.
Car Insurance Quotes in Gainesville, FL
| Young Drivers | $81 | $191 |
| Teens | No Data | $486 |
| Seniors | $68 | $151 |
| Drivers With a Speeding Ticket | $85 | $199 |
| Drivers With a DUI | $95 | $223 |
| Drivers With An Accident | $104 | $242 |
| Bad Credit | $107 | $237 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Gainesville vs. State Average
Florida
State Average Full Coverage Rate
$2,567
Gainesville, FL
City Average Full Coverage Rate
$1,845More:$722 saved
This is 28% less expensive.
What Is the Average Car Insurance Rate in Gainesville?
In Gainesville, full coverage car insurance costs about $1,845 per year, while minimum coverage averages $834. These rates are lower than Florida's averages of $2,567 and $1,191, respectively.
| State Average | $1,191 | $2,567 |
| Gainesville Average | $834 | $1,845 |
Cheapest Car Insurance Companies in Gainesville
While car insurance premiums may be rising in the Sunshine State, Gainesville residents can still find affordable options. State Farm offers the cheapest minimum coverage at $43 per month and full coverage at $93.
WHY CAR INSURANCE IN GAINESVILLE IS CHEAPER
While Gainesville is a large city, it's population density is among some of the lowest in the state, leading to lower risks of serious accidents. This makes higher value claims less likely, causing insurers to charge less.
Cheap Car Insurance in Gainesville
State Farm often offers the cheapest car insurance for most drivers, but individual rates vary. To find the most affordable option, get quotes from multiple providers. Below is a table with the lowest rates for different driver profiles.
| State Farm | Minimum Coverage | $43 |
| State Farm | Full Coverage | $93 |
| State Farm | Teens | $242 |
| State Farm | Young Adults | $80 |
| State Farm | Seniors | $63 |
| Nationwide | Bad Credit | $123 |
| State Farm | Drivers With a DUI | $76 |
| State Farm | Drivers With An Accident | $83 |
| State Farm | Drivers With a Speeding Ticket | $76 |
Car Insurance Rates in Gainesville by Company
To find affordable car insurance, compare rates from different companies. Below, we detail the cheapest minimum and full coverage plans in Gainesville.
Cheapest Car Insurance Companies for Minimum Coverage in Gainesville
State Farm offers the cheapest minimum coverage auto insurance at $43 per month. GEICO follows closely with a rate of $47 monthly. See the breakdown of the cheapest options in the table below.
| State Farm | $43 | $27 |
| GEICO | $47 | $22 |
| Travelers | $53 | $17 |
| Nationwide | $62 | $8 |
| Mercury | $66 | $4 |
Cheapest Car Insurance Companies for Full Coverage in Gainesville
State Farm offers the cheapest full coverage car insurance in Gainesville at $93 per month. See the full list of providers below for more options.
| GEICO | $136 | $17 |
| Nationwide | $124 | $30 |
| State Farm | $93 | $61 |
| Travelers | $110 | $44 |
Car Insurance Companies in Gainesville
State Farm offers the cheapest annual premium at $814 and is also the best cheap provider, with a MoneyGeek score of 85. Check the table below for more options.
| State Farm | 85 | $814 |
| Mercury | 80 | $1,417 |
| Nationwide | 75 | $1,117 |
| Travelers | 74 | $976 |
| GEICO | 68 | $1,101 |
| Progressive | 64 | $1,378 |
| Allstate | 62 | $1,441 |
| Farmers | 56 | $1,879 |
| Direct General Insurance | 36 | $1,936 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Gainesville by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,845 per year for 40-year-olds and $1,813 annually for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $4,027 | $278 |
| 17 | $4,001 | $303 |
| 18 | $3,414 | $891 |
| 19 | $3,321 | $983 |
| 20 | $3,425 | $880 |
| 21 | $2,706 | $1,599 |
| 22 | $2,762 | $1,543 |
| 23 | $2,833 | $1,472 |
| 24 | $2,677 | $1,628 |
| 25 | $2,288 | $472 |
| 40 | $1,845 | $914 |
| 65 | $1,813 | $947 |
Cheapest Car Insurance for Teens in Gainesville
Nationwide offers the cheapest overall car insurance for teens in Gainesville at $228 per month, saving $79 compared to the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.
| Nationwide | $228 | $79 | $389 |
| GEICO | $263 | $45 | $285 |
| State Farm | $266 | $42 | $242 |
| Allstate | $336 | $-29 | $951 |
| Travelers | $338 | $-30 | $481 |
| Progressive | $355 | $-47 | $436 |
| Farmers | $367 | $-60 | $617 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Gainesville
State Farm offers the best minimum coverage rate at $49 per month and the most affordable full coverage at $111 monthly for young drivers. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| State Farm | Minimum Coverage | $49 |
| State Farm | Full Coverage | $111 |
| Nationwide | Bad Credit | $144 |
| State Farm | Drivers With a DUI | $90 |
| State Farm | Drivers With An Accident | $98 |
| State Farm | Drivers With a Speeding Ticket | $90 |
Cheapest Car Insurance Companies for Young Drivers in Gainesville
State Farm offers the most affordable auto insurance for young drivers at $80 per month. Nationwide and Travelers also provide competitive rates. The table below shows other companies with competitive rates.
| State Farm | $80 | $55 |
| Travelers | $92 | $43 |
| Nationwide | $108 | $28 |
| GEICO | $128 | $7 |
| Allstate | $129 | $6 |
| Progressive | $132 | $4 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Gainesville
State Farm and Nationwide offer some of the cheapest car insurance rates, but prices depend on individual factors. The table below shows the cheapest providers for different driver and coverage profiles.
| State Farm | Minimum Coverage | $40 |
| State Farm | Full Coverage | $85 |
| Nationwide | Bad Credit | $116 |
| State Farm | Drivers With a DUI | $70 |
| State Farm | Drivers With An Accident | $76 |
| State Farm | Drivers With a Speeding Ticket | $70 |
Cheapest Car Insurance Companies for Seniors in Gainesville
State Farm offers the cheapest monthly premium for seniors at $63 for both minimum and full coverage. Travelers follows with a rate of $79 per month. The table below shows top car insurance options for seniors in Gainesville.
| State Farm | $63 | $47 |
| Travelers | $79 | $31 |
| GEICO | $86 | $24 |
| Nationwide | $88 | $22 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Gainesville
In Gainesville, high-risk drivers pay less for minimum coverage and full coverage than the state average. Bad credit and DUIs significantly increase car insurance costs, while accidents and speeding tickets have a smaller impact.
| State Average | $1,651 | $3,718 |
| Gainesville Average | $1,136 | $2,655 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, such as a not-at-fault accident or a speeding ticket in Gainesville, are typically accounted for by insurers for three to five years. For more serious offenses like a DUI, insurers may take them into account for up to 10 years, and you might need to file an SR-22 or FR-44 to ensure you meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Gainesville
State Farm offers the cheapest minimum coverage for drivers with a DUI at $579 per year in Gainesville. It also provides the most affordable full coverage policy at $1,248 annually. Check out the table below for more low-cost coverage options.
| State Farm | $48 | $104 |
| Progressive | $79 | $179 |
| Travelers | $88 | $186 |
| Allstate | $102 | $231 |
| GEICO | $89 | $279 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Gainesville
State Farm, GEICO and Travelers offer the cheapest auto insurance after an at-fault accident in Gainesville. The table below shows various providers offering affordable coverage.
| State Farm | $52 | $113 |
| Travelers | $77 | $161 |
| Nationwide | $87 | $177 |
| GEICO | $70 | $216 |
| Progressive | $99 | $241 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Gainesville
State Farm is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $48 per month and full coverage at $104 per month in Gainesville. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| State Farm | $48 | $104 |
| Nationwide | $72 | $146 |
| Travelers | $72 | $154 |
| Allstate | $79 | $170 |
| GEICO | $86 | $272 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Gainesville
Nationwide offers the most affordable rates for drivers with bad credit in Gainesville, with minimum coverage at $81 and full coverage at $165 per month. See the table below for other affordable options.
| Nationwide | $81 | $165 |
| Direct General Insurance | $107 | $216 |
| Progressive | $105 | $233 |
| Mercury | $97 | $268 |
| GEICO | $94 | $280 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Gainesville, FL
In Florida, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $10,000 for property damage liability per accident
- $10,000 personal injury protection (PIP) per person
For example, if you're involved in an accident causing $8,000 in property damage, your minimum coverage will protect you without out-of-pocket expenses.
Cheap Car Insurance in Gainesville: Bottom Line
State Farm is Gainesville's most affordable car insurance provider for both state minimum and full coverage. Regardless of your age or credit, affordable options are available. Ensure your policy meets Florida requirements, including bodily injury and property damage liability. Compare providers to secure budget-friendly coverage that complies with state laws.
Gainesville Auto Insurance: FAQ
We answer common questions about finding the cheapest and best car insurance options in Gainesville.
What is the cheapest car insurance company in Gainesville, FL?
The cheapest car insurance provider in Gainesville is State Farm, offering state minimum coverage at about $43 per month, potentially saving you $27.
What is the best car insurance company in Gainesville, FL?
State Farm is the best car insurance provider in Gainesville, with a MoneyGeek score of 85 out of 100. The average annual premium for minimum coverage is $814.
How much does car insurance cost on average in Gainesville, FL?
The average monthly rate for state minimum coverage in Gainesville ranges from $68 to $107.
Best Cheap Car Insurance in Gainesville: Our Methodology
MoneyGeek conducted an analysis of Gainesville auto insurance prices using data from the Florida Department of Insurance and Financial Services and Quadrant Information Services.
Gainesville Driver Profile
To assess the best and most affordable auto insurance options for Gainesville residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Gainesville
In assessing the car insurance quotes for Gainesville, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Florida's mandated liability insurance parameters:
The minimum coverage requirements in Florida are:
- $10,000 for property damage liability per accident.
- $10,000 personal injury protection (PIP) per person
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Florida providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Gainesville
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes from insurance companies in Gainesville for the average driver of various ages who is driving a Toyota Camry with a clean record.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.